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

I needs this removed from my account its hurting my ability to obtain credit Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following by account : XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay!
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, this was me disputing your non-compliance. So, I am sending it again so they can publish it on the government websites. I also am including a copy of my driver license and utility. That I have mail to you 5X but you keep reporting it been updated. I have also included a copy from the FTC. What I sent to XXXX XXXX XXXX about identity thief.I have been dealing with this issue for sometime. With Experian, XXXX and XXXX XXXX. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of drug overdose last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will kill you. Also, in XXXX on 2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. On XX/XX/2020 I sent a certified letter with return receipt to Experian and XXXX  to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items  must be removed that are listed below. ( I have attached the letter I sent to XXXX  requiring ) Will Experian said that the verified it from XXXX XXXX but XXXX  didn't respond yet. 1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by Experian that put back on without proof. XXXX  deleted it 2 months ago. None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. Also, I am veteran that is XXXX XXXX all my check goes to my children for child support. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a homeless veteran.
Product: Debt collection

This Debt collector : Conserve is not licensed in Texas. 
They are based out of NY.
Product: Credit card or prepaid card

I am on the do not call registry and I keep getting calls from these companies saying that my credit card needs to be updater or my information needs to be updated and I don't have a credit card when I ask to speak to a supervisor I get disconnected. 

If I am on the Do Not Call Registry why do I continue to get these calls.
Product: Debt collection

Transworld added the debt to XXXX and XXXX in XX/XX/XXXX, I reached out to Transworld XXXX on XX/XX/XXXX @ XXXX spoke with Customer Service Rep XXXX  XXXX, requested the original bill and or final bill and proof that they have permission to collect on this debt. I told the Rep that this debt to XXXX was paid and the equipment was returned. I waited the allotted 30 days to receive this information, in which nothing has been received to date. I filed a dispute with both XXXX and XXXX of the debt to be removed, however both agencies responded with the debt has been verified and would remain on my report until XX/XX/XXXX, which is incorrect. The should be removed and no early termination fee should have been assessed for {$1900.00}. Please have this debt removed from my credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # : 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: Vehicle loan or lease

My loan with VW Credit originated in the State of XXXX. End of XXXX, I moved to XXXX XXXX. Since XXXX I have been trying to get a state transfer to my local County Office that handles auto registration. I spoke with XXXX at VW Credit who stated it was electronic, but he would have this info sent on XX/XX/2021. No info arrived to my Clerk 's office so I then called and spoke with Manager XXXX on XX/XX/2021. 

VW Finance will not send the document I need to transfer my car and get it registered in XXXX.

This is ridiculous, I have already went thru two temporary license tags.
Product: Checking or savings account

Have issues with Wells Fargo with my mortagage payments whereby they misplaced my payment and ended up with late fees around XXXX, and also frequency have excessive overdrawn fees from late processing transaction. 
Therefore, I 'am a victim of " erroneous overdraft checking account fees, misapplied payments and foreclosures in regards to mortgages and auto loans from XXXX to now, as which makes me a victim of finical discrimination and systematic racism facing people of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my consumer report with TransUnion, I noticed an unauthorized Inquiry on my consumer report from a company named XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. I have not initiated any transaction with this company, so they had no permissible purpose to obtain my consumer report. This is a violation of the FCRA 15 USC 1681 section 604. This is an invasion of my privacy. In addition, FCRA section 607 ( a ) requires that every consumer reporting agency shall maintain reasonable procedures designed to limit the furnishing of consumer reports to the purposes listed under section 604. FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 10 {$100.00} MasterCard PrePaid cards at XXXX. I was scammed and they used all 10 cards at a company called XXXX. As soon as I realized it was a scam I called the number on the back of the card and reported the fraud. The agent took the information on all 10 cards and told me it was being submitted to the claims department. I received an electronic document to sign to acknowledge the fraud and it listed only 1 card for {$100.00}, I signed the document and immediately sent the company an email asking about the other 9, I also called and was told the other 9 were part of the case. The email response I got back was they were working on the case. I just received ONE replacement card for {$100.00} and was told the case was closed. I've tried calling multiple times this week and have spent up to 30 minutes waiting on hold with no one answering. I've also sent emails with no response. I have no other way to contact them to resolve this. 
I've been calling XXXX and emailing XXXX My dispute case # is XXXX
Product: Credit reporting or other personal consumer reports

Complaint Regarding Non-Compliance with Negotiable Instrument for Debt Cancellation I am writing to file a formal complaint against XXXX XXXX and [ XXXX XXXX XXXX and XXXX XXXX as well as XXXX Name ] for their failure to honor a negotiable instrument, specifically a Form 1099-C, which legally cancels the consumer debt in question. I believe that their actions violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws.

I would like to bring to your attention that the negotiable instrument used in this case, Form 1099-C, is a legally binding document that should result in the cancellation of the consumer debt. The failure of the above corporations to honor this instrument raises concerns about their compliance with consumer protection laws.

I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that The corporation named above must comply with the relevant laws and promptly cancel the consumer debt using the negotiable instrument provided.

[ Attach copies of relevant documents, including Form 1099-C, correspondence with the credit bureau and collections agency , and any other supporting evidence. ] I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will investigate the issue thoroughly. I look forward to a resolution that upholds consumer rights and ensures fair treatment by the law. 

Thank you for your prompt attention to this complaint.
Product: Prepaid card

I am writing to file a formal complaint regarding a significant security breach and negligence concerning my funds within your association. Recently, my account was compromised due to an unauthorized authentication process allowing access to unknown individuals. This breach ultimately led to the compromise of my funds and personal information. 

Specifically, I have reason to believe that my account with Account XXXX was accessed without my authorization. The authentication process seems to have been flawed, allowing unauthorized persons to gain entry. Consequently, my account security was compromised, resulting in a breach and potential misuse of funds.i also have filled several disputes that were issued and not resolved I informed them I hadn't received numerous cards sent to unauthorized locations not on my behalf I urge you to investigate this matter thoroughly and promptly. It is critical to assess the security measures and authentication protocols that failed to safeguard my account. Additionally, I request a comprehensive review of your procedures to prevent similar incidents in the future and to ensure the security and privacy of all account holders. 

Please provide me with a detailed response outlining the steps you will take to rectify this situation and to secure my account moving forward. I am also interested in knowing how you plan to compensate for any losses incurred due to this security breach. 

I look forward to your immediate attention to this matter. You can reach me at [ Your Contact Information ] to discuss this issue further. 

Thank you for your prompt action.
Product: Debt collection

I've made several attempts at contacting Convergent Outsourcing requesting information regarding this account. My last attempt was XX/XX/2021 where I spoke with an agent and a supervisor. They kept making debt collection attempts and settlement offers. I called to request a breakdown of charges because the amount they are attempt to collect is not what I owe. As I've stated, I've gotten no information. I disputed several times with the credit bureau as well. They will respond to them and continue to adversely affect my credit. All communication regarding this has been initiated by me. These people are very unprofessional and have made no real attempt to resolve this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX My information was used, did not allow my information to be shared, theres no open account XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX My information was used, did not allow my information to be shared, theres no open account XX/XX/XXXX Jpmcb My information was used, did not allow my information to be shared, theres no open account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed some hard inquiries to EXPERIAN which are unauthorized by sending them a letter in the mail including proof of identity documents, however, after their investigation, they did not remove the questioned hard inquiries and did nothing to delete them. This is an unfair practice. They should do better.
Product: Credit reporting

I am trying to apply for financing for a home and there are items listed that do not belong to me. I have a feeling Experian has merged my credit file with someone else. There is an inaccurate social listed XXXX which is NOT mine and a name I have never used XXXX XXXX. I do not have or ever had a XXXX XXXX account # XXXX or a XXXX # XXXX showing or a XXXX credit card for {$250.00} # XXXX on my credit file. This situation needs to be resolved ASAP. I also have submitted a dispute by mail.
Product: Mortgage

Complaint Number XXXX Hi this is a complain with the same mortgage company, and the company above, i sent all the documents required by the mortgage company to get a forbearance plan, in XXXX they told me that I was approved for a forbearance and they give me the 3 payments of {$1500.00} XXXX, XXXX and XXXX, they told me that they will send me a letter for the forbearance, but every-time I call they hang up or take a long time to answer, and hen they answer they told me that they sent the letter and later I call and they told me they dont know if I have a forbearance plan. they been giving me the run around and I dont where my account is, they dont know what kind of deferment or something. I called today and they told me it will take another 14 days to received a forbearance letter, I been hearing the same since XX/XX/2020.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Product: Mortgage

Mortgage Company : Shellpoint Mortgage Servicing Loan # : XXXX The servicing of our loan was transferred to Shellpoint. I had questions about the transfer. On XXXX/XXXX/XXXX I sent a Qualified Written Request to XXXX asking if the transfer was done correctly, was MERS used and who has the title/line. 

Today is XXXX/XXXX/XXXX. I have not received any response to this QWR. I sent follow-up letters on XXXX and XXXX asking for a confirmation of receiving my QWR. .I have heard nothing. RESPA requires a confirmation within 20 days and a response within 60 days. I have back up for all those letters including proof of delivery using US PS priority mail. 

I also believe they have reported negative information regarding my credit and status during this period when they should have been working in some reply to my QWR.
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  # 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 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, 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 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: Mortgage

Yesterday we were researching All Reverse Mortgage about Reverse Mortgage financing so we went online to the calculator ARLO to see what our property value is. Today I get an email from XXXX XXXX at All Reverse stating that they did not make loans in my state of North Carolina and referring me to another company. This is false information because they do make loans in North Carolina. When I responded to the email I asked XXXX XXXX why he lied to me about making loans in North Carolina? His response was " we do plenty of loans in North Carolina but because you have a XXXX XXXX  they could not make me a loan ''. This too is a lie because about two years ago they were going to make me a reverse Mortgage loan and payoff the XXXX XXXX we got all the way to scheduling the closing when we backed out because All Reverse wanted to take over {$50000.00} and hold it in escrow for what they told me at the time was property taxes, I explained to them that I pay my property taxes every year and there was no need to hold out that much money! They insisted that they had to hold out the money which would have given us basically nothing while owing them over {$100000.00} dollars, at that point we backed out of the loan. They told us to wait until the XXXX XXXX  was paid off and re-apply which is why we were checking into the property 's value now for a possible re application in the fall after the XXXX XXXX XXXXs paid off in XXXX of 2022, three months from now. The bottom line is that this lender is not reputable and should not be designated as a government endorsed lender, they are dishonest and corrupt and should have their credentials pulled, I'm sure we aren't the only ones that they have misled!
Product: Checking or savings account

Bank of America closed my checking account due to an issue with the USPS putting a hold on mail to my recently purchased home in error. I received notice to update my address from BoA which I did through the banking App - which resolved the alert I saw when logging into the app. Several weeks later, On XX/XX/XXXX I logged into the app to notice my checking account was not showing. I called Bank of America and was notified that I was being mailed a check for {$20000.00} in regular post to the very address on the account they were having mailing issues with. ( I did not figure out this issue with USPS until mid XXXX ). Bank of America is unwilling to place a stop on the first check and reissue a second check instead saying that I must wait a full 120 days to request a new check be issued. This account had regular direct deposits from my employer and clear autobill items for my car loan and credit cards. This issue has caused my wife and I serious financial hardship, late payment fees with other cards and loans, and put our ability to pay our newly acquired mortgage at risk. BoA made little to no effort to reach me prior to this closure and has done nothing to assist me since. Please help. My only option is to wait until XXXX to request they try to send another check by regular mail.
Product: Debt collection

They called my boss and said they were going to serve a summons and arrest me in two hours if I did not call them back but never called me directly just my boss. Phone XXXX XXXX XXXX. Case XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I seek assistance in repairing my credit. The account for XXXX with a balance of {$57.00} was written off and was removed by credit repair help. I've noticed that the debt was purchased and now on my credit report again as of XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization.According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission. 
XXXX XXXX ACCOUNT NUMBER XXXX BALANCE : {$15000.00} I have no knowledge nor did i give authorization to this company.