23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The second item listed as follows : Original Creditor : private and confidential location Amount in Question : {$3000.00} ; however they are reporting {$4900.00} Date Opened on XX/XX/2020 Account Reported on Credit Reports is under Hunter Warfield Inc Length of Item In Dispute : approximately 3 months The issue is that this account is inaccurate as the CARES ACT released funds to XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, FL and federal funds were utilized to cover the Landlords due to the COVID-19 pandemic. Attached please find copy of Complaint submitted to the FBI and Consumer Financial Protection Bureau for further investigation. In addition, under the CARES ACT attached, NO NEGATIVE INFORMATION SHOULD BE REPORTED AS THIS IS AN ONGING INVESTIGATION. 

I am requesting that the item be removed immediately as it has caused duress and other unwarranted financial and economic hardship on top of the COVID-19. 

Exhibit B, copies of phone calls made to me by this company are voluminous, if you require additional data, this can be readily available through phone company. 

Under Federal Trade Commission, Section 813, Civil Liability, under ( 2 ) ( A ), it states as follows : ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. In this case, they made over 10 phone calls that equals to {$10000.00} so far this debt is not even mine.

The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. Some examples of harassment are : Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone. Obscene or profane language In addition, this company falsely and mislead me into thinking that they were offering me a job as my background is in Law and under the Federal Trade Commission, Section 807, number 3 states as follows : 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

False or misleading representation, they not only made it seem like they were giving me a job and in fact, they acted like a law firm extending me a position and the mere fact that during this time I was unemployed and did not have a job and the misleading lawyer told me that he was interviewing for a position that was available at his law firm and I was so nice and sweet and shared information, then the guy acted as the lawyer and he was not a lawyer. 

The following deceptive acts under the Fair Debt Collection Practices Act : Under this Act ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. Such collectors may not, for example, contact debtors at odd hours, subject them to repeated telephone calls, threaten legal action that is not actually contemplated, or reveal to other persons the existence of debts.
Product: Checking or savings account

On XXXX  XXXX I payed someone on XXXX in the amount of {$150.00} to username " XXXX ''. Turns out the person i was trying to pay sent me the wrong username. The real user name was " XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have traveled to US on XXXX as a tourist and then went back to XXXX to get my documentation and got my renewed SSN ( I first got it 10 years ago when I was in USA for three months as a XXXX  ) on XXXX only. 

I opened my Experian and noticed that somebody took my SSN and opened {$710000.00} mortgage at XXXXXXXX XXXX XXXX on my name. 

I disputed it twice via Experian but they say the dispute was denied by the company. 

I have my I-92 form as a proof that I entered the country as a XXXX  on XXXX until then my SSN was not even active. 

I would really appreciate your help. 

Thanks!
Product: Checking or savings account

I am filing this complaint regarding my recent experience with Capital one. which has caused significant inconvenience and financial stress. 

On XXXX XXXX, I was expecting my direct deposit to be credited to my account as scheduled. However, due to the banks technical difficulties, the funds have not been deposited into my account even after two days. I have contacted the bank multiple times regarding this issue, but I have only been informed that the delay is due to a technical problem on their end, without a clear resolution timeline.

This delay has caused me significant hardship, including : Being unable to pay my bills on time, Facing potential overdraft fees or penalties for missed payments. 

As a customer, I find it unacceptable that the bank has failed to provide timely updates or offer a concrete resolution to this issue. I rely on these funds to meet my financial obligations, and this delay is disrupting my ability to manage my finances effectively.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update the correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates XX/XX/2023, XX/XX/2023, XXXX.Transunion, XXXX and XXXX have completely disobeyed FCRA, they have not removed personal information that needs to be removed immediately such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX. 
I am begging that you rove the following accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. So, I am requesting that all of this inaccurate information and mistaken identity be removed for my credit report immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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. XXXX XXXX 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: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Subject : Update of Personal Information Dear Sir/Madam, I am writing to request an update to my personal information on my credit report. There is a bunch of information that isnt mine reporting on my credit. Please find below my updated details : - - - **FRAUDULENT Information : ** ( BELOW IS ALL THE INFORMATION THAT IS FRAUDULENT AND HAS NO RELATION TO ME AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY ) - Addresses : 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 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 - - - **REAL/NEW Information : ** ( BELOW IS ALL THE NEW/REAL INFORMATION I NEED MY CREDIT REPORT UPDATED TO ; ANY INFORMATION THAT DOES NOT MATCH NEEDS TO BE REMOVED ) - Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - Phone Number : ( XXXX ) XXXX - Email Address : XXXX - - - Attached are copies of documents to verify my identity and the changes requested : 1. Government-issued ID ( drivers license ) 2. Proof of address ( e.g., utility bill, lease agreement ) Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX XXXX -- -
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely examined. In spite of my endeavors, I presently can't seem to get any goal or remedial activity. These mistaken records are seriously harming my credit document and ruining my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused huge difficulties for me, and I'm left with no decision except for to argue for your help with correcting what is going on at the earliest opportunity. I sympathetically demand that you lead an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the precision and respectability of my credit document so I might recover command over my monetary prosperity. I genuinely encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue expeditiously would be enormously valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

I believe my profile has been mixed and I would like to get it cleared up right away.XX/XX/XXXX or XX/XX/XXXXcan not see my equifax score or report cause of this.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of hard inquiries that I never authorized, such as XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX AND XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Student loan

In relation to Navient loans assumed in my behalf from 2009 to present. Through XXXX University, I had requested a LOA due to XXXX ; the Student Advisor never released me from classes and they still charged me. XXXX is still trying to charge to me {$5200.00} for this time period that I requested a medical leave. I did previously sign up as a XXXX student due to my XXXX XXXX and being on XXXX. They refuse to allow to me finish my last XXXX courses to finish my degree. I requested Navient REMOVE the XXXX loans from 2009, these loans were never received by me and XXXX had been sued for this time period. They will not. I had requested numerous times for income based repayment or forebearance, only for it to takes months ; interest and late fees accruing. The last forebearance request was met with an plethora of paperwork demanding doctors visits and XXXX, I already have Social Security and sent them the paperwork. I explained that was not necessary. I never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about XXXX credit bureau. I was tried so many times to talk with this company about my credit report.they are reporting a bad credit score. They improperly used and shared with unknown companies with out any information.becasue of this bureau I have faced lot of problems here in USA. Last month it was XXXX my credit score. This after paid couple of transactions they decreased my credit score to XXXX. They are fraud reporting my credit. They are mis using the law. They are cheating customers as well as us government.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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

I have reach out to transunion so many time they will not update my Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Acct # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

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, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I need all my freeze/block removed ASAP. I am trying to access my credit for business and every vendor and bank keep saying I have a block or freeze on my credit profile. DOB XXXX SS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the Bankruptcy reported on all three credit reports. Both XXXX and XXXX  ( see attached ) removed it. Equifax removed it and then placed it back on the file one week later saying that it was verified through the 3rd party company XXXX ( see attached ). I spoke with a representative at XXXX who confirmed that they have not verified this info with Equifax as my file is suppressed and frozen with XXXX. I asked Equifax several times to provide the method of verification and the response is always XXXX.
Product: Credit card

I Sent an E payment via My Credit union on XX/XX/XXXX XXXX ( a Fri ) Payment was due XXXX ( Sun ) so I was charged XXXX $ late fee for one day ( ok I guess since they don't process on Sun ( I guess ) so I'll accept that. XXXX pay was received on time yet I was told owed them XXXX $ because they would consider that late as well. I asked to speak to the Supervisor for an explanation of the logic and was hung up on, assuming I was disconnected I called back and was once again disconnected. The Bill is with " Synchronicity Bank '' on XXXX letterhead yet when I called them I was lectured on '' Credit Card Reality and the Real World '' by an assistant to the person I usually deal with. Restating : Why am I being charged XXXX $ for being one day late? charging me for being late on Two payments? I guess they say the XXXX Payment was processed to XXXX as a Late payment then The XXXX payment was considered late and are now charging me for that as well even though I made that Payment.Makes no sense?
Product: Checking or savings account

Hi I believe I have been retaliated by PNC Bank for contacting the Consumer Financial Protection Bureau. I called on XX/XX/XXXX and spoke to a woman, XXXX and was told all my checks and I asked her to order them and they would be free and she would call me back on XX/XX/XXXX and tell me why this was not handled correctly in the first place. I never heard back and filed my complaint. I called today to make sure my check were actually order. XXXX told me because I filed my complaint XXXX XXXX was handling this matter. I was never notified that XXXX XXXX was handling it. XXXX did not order my checks and then tried to tell me checks were only free on the the master account which is not disclosed on the fee schedule. All checks are free on the Performance Select Checking. It does not say only the Master Account. This should be disclosed to the consumer. Finally she ordered the checks. XXXX refused to overnight the checks even though the check order was delayed by 2 days as retaliation by XXXX since I contacted the Consumer Financial Protection Bureau. It should be mentioned that I called XXXX Bank and requested that I receive a check order on all my accounts as they are free on the fee disclosure.
Product: Credit card or prepaid card

on XX/XX/XXXX there was an unauthorized charge of {$320.00} to XXXX XXXX on XX/XX/XXXX I notice the fraudulent charge and filled a complaint with the credit card on XX/XX/XXXX credit card said : can find no basis to support the claim and charge the unauthorized charge to me I asked for the facts or basis but, they no answered After called them several times They still refuse resolve this claim
Product: Debt collection

This company appeared on my credit report as a collection account. Besides the fact that they are NOT licensed to collect debts in the State of NY, per the State 's Attorney General 's Office, I have never had an account with them, signed any applications nor contracts with them. 

Moreover, according to 15 U.S.C. 1681e ( b ), all information reported by the credit reporting agencies must be 100 % accurate. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information that is found to be inaccurate or incomplete must be corrected or deleted from my credit report.

This company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 
Did I give written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Upon reviewing my credit report, I have found multiple inaccuracies with the reporting of this account. These inaccuracies include the incorrect reporting of late payments, which do not accurately reflect my payment history. As such, I kindly request that these inaccuracies be thoroughly investigated and resolved by removing the account from my credit report entirely. 
Failure to respond satisfactorily with deletions of the above referenced account from my credit report within 4 days of receipt of this letter, will result in legal action taken against your company, as in litigation under the Fair Credit Reporting Act ( FCRA ) to collect {$1000.00} in damages for each inaccuracy as provided by law for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 USC 1681in ]
Product: Checking or savings account

As a tax paying American, I am angry and disgusted that Bank of America, after accepting billions of tax dollars which helped bail them out after the banks reckless business practices brought their company and the U.S. economy to the brink of disaster, that they are attempting to control public policy by limiting loans and services to pro-firearm individuals and companies. This is revolting and disgraceful behavior and a stop needs to be put to Bank of America and any other company who received Federal assistance and attempts to dictate public policy. What ever happened to free enterprise?