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

1 ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX  ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally received rather full copy of my XXXX credit report today and AS USUAL found another mistake!! What is wrong with the lazy credit bureaus and businesses that I have not pulled one single credit report on the last 11 years that has not had errors?? Fine then for each error and the government will have lots of new revenue to use and the public will have updated and correct credit reports as the law states is our right to have!!! They left my old XXXX XXXX loan on my report and it shows still open, it shows the wrong loan number this was refinanced and closed and so paid perfectly. The loan on my reports showing # XXXX was refinanced and this loan should show closed and refinanced that was made in XXXX XXXXXXXX IL!! I refinanced it and added {$850.00} to move it to the XXXX IL location!!! I have attached the paid in full documents for this loan on my credit report to be corrected and also the copy of my new and only loan with the XXXX IL office you need to add on to my report after you verify with both locations!! They should have done this already it has been over a month ago!!! I want this complaint sent to both XXXX XXXX locations XXXX XXXXXXXX IL and XXXX IL and their corporate office as well as to XXXX, Equifax and XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # listed below has violated my rights. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX Currently on-time 1 Missed Credit cards XXXX XXXX XXXX Currently on-time 3 Missed Other loans XXXX XXXX XXXX Currently on-time 4 Missed XXXX XXXX Currently on-time 4 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX 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 Department of edXXXX Department of education XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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 witout my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name XXXX XXXX  Account Number : XXXX
Product: Debt collection

Reporting on my credit report unknown open date for {$1600.00}. This is not my debt.
Product: Debt collection

On Tuesday XX/XX/2020 at approximately XXXX XXXX, XXXX XXXX, and XXXX XXXX I had three missed calls from a company trying to collect a debt. I called back asking who was calling because I did not know who it was. The lady stated her name was XXXX from Williams and Fudge and a debt collector trying to collect a debt. Asked if I was the person on the account, and again asked who I was speaking to and she proceeded to tell me she was trying to collect a debt for a client and proceeded to tell me about this debt without confirming who I was. I said that Ive spoken to someone about it and I couldnt make a payment plan at the moment because I was in a financial rut at the moment. She asked how long Ive been in this rut and I said a few months. She started to raise her voice and become really rude with me at this point. She said that its been over a year that i owed this debt and said that I owed over {$6000.00} dollars for this debt ( that was not the right amount ) and I needed to pay it. I said that I couldnt at the moment. She then asked if I knew that this is on my credit and if I knew that its going to impact my credit score. I told her yes I know but I still cant. She asked if I filed my taxes, and I asked her why she needed to know and she raised her voice more and said that she had a right to know and if I was refusing to state this information over a recorded line, I said yes I am refusing plus its already going to be taken. She asked from who? I said that it was not any of her business! She then asked if I was going to get a second job to pay this debt. I finally told her that I would not like to speak with her regarding my debt and she should not call my phone.
Product: Credit card or prepaid card

Hello, My credit card company is holding multiple payments Ive made to them. The funds have been drafted from external bank account. So in essence I have a {$2400.00} taken from one bank to pay my credit card at penfed.

This is a huge problem they are now reporting that I am over my credit card limit causing my XXXX  score to drop. I have made the payment those funds should be released and new information should be sent to the 3 credit reporting agencies to correct penfeds inaccurate information
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted this off of my credit report which is shown on Experian XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Equifax by mailing a letter First XX/XX/XXXX asking them for verification on Account XXXX I requested them to please investigate and delete from my credit report because I knew it wasn't accurate. It lacked any information about who was the debt collector reporting this inaccurate information that also violated my rights. They responded that they " verified the information ''. After they sent this I asked them to send me a breakdown of what they are alleging that I owe, the breakdown of fees, or bills and who the information came from. They DIDN'T RESPOND. I waited until to this matter was followed up with another letter from me on until XX/XX/XXXX to send a reminder letter and said they needed me to verify my identity. Which I did. On XX/XX/XXXX Equifax finally responded with who was reporting this inaccurate information and they told me XXXX XXXX XXXX. Being that XXXX received my dispute back in XXXX via Equifax they were well aware of my dispute and decided to disregard my dispute AND ignore all my request for validation. They are claiming that this is a medical bill. I am allowed under the XXXX  law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ANYONE, for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details XXXX only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 90 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they haven't responded means that they couldn't verify the information and therefore not only violated FDCPA but also XXXX. This account, account number # XXXX to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear BARCLAYS BANK/XXXX XXXX XXXX XXXX  ; On both of my store retail cards from XXXX XXXX XXXX XXXXXXXX. I was really shocked when I reviewed my credit report today and found late payment on my credit report on XX/XX/XXXX and XX/XX/XXXX on both of my cards with your company. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfers

Paypal is a site that allows consumers to send and receive money. Paypal also allows consumers to purchase items among consumers and hold funds in their systems for days before consumers can use the funds. I accepted a payment from a consumer on XXXX/XXXX/16 in the amount of {$210.00} and paypal released the funds to me on XXXX/XXXX/16. On XXXX/XXXX/16 paypal took the funds I had available and now they are being held pending an investigation, making my account go into a negative state. Ive also tried to delete my banking information off of paypal 's site as I wish to longer do business with them. They will not let me close the account which has my personal information nor remove my banking info. Paypal is a financial bully and sometimes charge your cards and withdraw money out of your account without confirming with with consumer first. And finally paypal does n't have a system what readily lets consumers know their prices and fees.
Product: Credit card or prepaid card

Dear Sir/Madam, I used my Bank of America ( BOA ) Credit card bought one AC through XXXX website in XX/XX/XXXX. But I was charged 3 time for this same transaction, the amount was {$270.00}. I called back and XXXX gave me one refund and told me the other one should be given back to me from BOA. After called BOA, BOA gave me one refund. I thought the case was over. Later BOA sent me a letter asking me to check if this is a duplicated refund BOA would take it back. My understanding was that the investigation was still going on and if BOA found this was a duplicated refund, BOA would take it back. After i sent back the letter, BOA took back the refund they gave me, and told me that i confirmed the refund was a duplicated one with that XXXX gave me. This was not correct at all, since i still paid 2 time for one device. I contacted BOA credit card claim department many times, but they refused to correct the error. The reasons they gave me changed each time i called them. For example, they said that the dispute was expired, or that i had signed and confirmed the refund was a duplicated one, or asked me to contact the XXXX. 

I have been asking is just to correct the errors and refund me the duplicated charge made by BOA visa. It is not something extra. My request is fair and reasonable! The Visa company should treat customers honestly and fairly! 

We are very disappointed with the BOA visa service about this problem. I can not believe a big company like BOA Visa card can made such errors and even if they knew that the error was there, they refuse to correct the error! BOA Visa service should correct the errors made on my credit card charge. 

Thanks for your attention and hope yo can help me to resolve the problem. 

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

XXXX XXXX XXXX XXXX I was reviewing my report and noticed that I have fraudulent accounts reporting to my credit report. XXXX XXXX XXXX XXXX is tremendously hurting my credit report and needs to be deleted. 

This is a violation of my consumer rights Under 15 U.S. Code 1692e - False or misleading representations please delete immediately
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

-15 USC 1681 section 602 A. States I have the right to privacy and the right for inaccurate information to be removed from my Credit Profile.

-15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not Furnish an account without my written instructions - 15 ISC 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 years.

- 15 USC 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNTS ( XXXX XXXX XXXX inaccurately Delinquent late information was never late ) ( XXXX XXXX XXXX, Reporting Incorrectly This account was paid in full never late )
Product: Vehicle loan or lease

I was leasing a new XX/XX/XXXXXXXX XXXX from Chase. I extended the lease at the end because I was waiting for the new XXXX XXXX model to come in. The origional lease was due XX/XX/XXXX.On or about XX/XX/XXXX I paid the lease for the XX/XX/XXXX payment. On XX/XX/XXXX my new car came in. I was not expecting it until the end of XX/XX/XXXX. I get paid once a month and pay all my bills at the beginning regardless of the date due on that month. I turned in the leased vehicle XX/XX/XXXX to the XXXX XXXX XXXX XXXX NC. I also started the process to buy my new car. Six weeks prior to this date of XX/XX/XXXX I brought my leased car into the dealer at XXXX XXXX to inspect my tires. I was told that they did not need replacing. At the end of lease I Had under XXXX miles on the car way way under mileage ( XXXX + miles ) so I did not expect the tires needed to be replaced anyway. I also added leather seats to the leased vehicle at the time of the lease costing XXXX dollars extra. At the end of lease I got a bill for {$530.00}, XXXX dollars for the end of lease fee and the remainder for wear on the tires. I knew about but XXXX lease fees but my early payment of {$390.00} covered that and I don't believe my tires had enough wear on them to be charged. I wrote them a letter but never received a response and today I received another letter for the {$530.00}, no mention of my letter. I don't owe them anything, they owe me {$94.00} for the early payment made on the XX/XX/XXXX, not due to the XX/XX/XXXX when the vehicle was turned in on the XX/XX/XXXX. I also thought they would contact me so I could be there when they made their inspection but was not.
Product: Mortgage

I was two months behind I was paying so that I didn't hit the third month I was not able to make my payment for XXXX I was never notified loan services change we got in contact with phh mortgage they've specified a letter will be used out yo notified us they offer us an application for modification 3 weeks later they specified to me on a phone call I maid to the to see what was going on to find out I didn't qualified now I am on 6month default on payment they told me my manager will contact me till this day no phone calls from him at all
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Has a false collection account on all 3 of my credit reports I have disputed this collection agency multiple times. Ive asked for a contract for service of goods or merchandise or any contract that I committed to. The company has not sent me a contract where I signed to pay them for service of good or merchandise. The company has defamed me by saying I owe money to XXXX XXXX for years. I do not have a debt with XXXX. I have not previously had a debt with XXXX. I have attached my XXXX  billing with the XXXX letter head and the website listed below. I have no bill with XXXX I have a XXXX balance with XXXX. I do not owe this company money Ive never entered into an agreement with this company. But TransUnion, XXXX, and XXXX refuse to delete this degradable information from my credit report which has caused great hardship. The screenshots also have date details in the screenshot
Product: Credit card or prepaid card

I have been paying my Best Buy store cared every month, but I become more in debt to them every month. I owe them $ XXXX right now even after paying my month bill. The debt is pilling on top even though I don't use the card at all that month. Apparently, I have been charged for a debt protection that ranges from $ XXXX every month. I absolutely NEVER agreed to pay this monthly charge. I've actually, had more than one card do this to me at a time. Whomever signed me up for this charge is a fraud! Best Buy/Citi Bank is known for doing this. I'm not working right now and this is overwhelming debt must stop pilling up on me. I've tried to work it out with Best-buy with absolutely no help at all. Please help me. This is a fraud. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

This is the second incident with Wells Fargo Bank , N.A . 

My recent statement reflects a billing cycle of XX/XX/XXXX to XX/XX/XXXX, however the due date is the XXXX of each month. As such my last payment of {$350.00} was due on XX/XX/XXXX and the next payment of {$350.00} is due on XX/XX/XXXX. 

Transactions on the most recent statement reflect the payments listed below. 
XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$300.00} Additionally, a late charge of {$40.00} was billed on XX/XX/XXXX. 

Today, on XX/XX/XXXX, I called to request that the late fee be removed because the payments on XX/XX/XXXX and XX/XX/XXXX satisfied the monthly payment and it was made prior to the XX/XX/XXXX due date. The fact that the billing statement is capturing a payment made before the billing cycle supposedly begins clearly shows that the payment should count. The representative advised that she was unable to waive the late fee because this was the second occurrence and payments have to be made within the billing cycle. 

I also advised that the XX/XX/XXXX payment is supposed to apply to the upcoming payment due on XX/XX/XXXX. 

Most credit card companies close the billing cycle approximately 3 days after the payment due date. However, Wells Fargo 's extended billing cycle treats payments made after the due date but within the billing cycle as an additional payment that does not count towards the next due date. This results in illegitimate late fees. 

I called Wells Fargo a second time today and the representative was able to waive the late fee under a payment posting error ; he still told me to change my payments to after the billing cycle closes.
Product: Credit card or prepaid card

Unable to connect to a third party application to review my spending habits and ways I can save money. App is called XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  Wells Fargo decided to put a charge off on my credit report that should have been put on there in XXXX. For whatever reason they didn't report any data. So now 5 years later, when i desperately need my credit, they destroyed it on XXXX My score dropped XXXX points. I'm XXXX and I'm on a limited income and that hurt me because now I can't have the credit. My credit card companies lower my borrowing limits when my credit goes down, we didn't get all of the handouts during Covid. We paid our bills and I've always paid every single bill I've ever had and they have listed me as missing a payment. I've never missed a payment, this is the letter I got from their escalation department. I've called and no answer. Why do they need to verify anything?! You and them have my information. I need my credit back so I can survive. I thought you were suppose to help me. please help me