23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/2020 I had a 30 day late payment reported for the amount of {$15.00}. Prior to this payment being 30 days late I spoke with two representatives who I believe failed to provide me with all information or options based on the companies process with my account status. I made an attempt to make a payment for {$100.00} but my banking information that was saved on file was removed without a request by me. No agent was had been able to identify why my banking information was removed because I never had any returned payments. Since my banking information was no longer on file I asked to make a payment with my debit card. The agent advised me at the time she couldn't take a debit card payment and I would have to re provide my banking information. I bank with a small local credit union and at that time the credit union was temporarily closed due to COVID. For me to obtain my bank information I had to wait on the bank to respond to me through a secured messaging portal with that information. On a separate occasion I was contacted by a collections agent and explained the previous issues to her and requested to make a debit card payment with her at the time. That agent also told me she was unable to accept my payment at the time. I've attempted to resolve this issue for this past 6 months with customer service and their managers every time I call but have not been able to get any information in regards to having someone investigate if I was misinformed contributing to the 30 day late being reported. I received one call back that I missed at the time but soon after the missed call I returned the call to the manager but only reached a voicemail. I left at least 3 voicemails and never received a call back. Since I never got a response to my voicemails I started to ask for a manager every time I call to make a payment now but still haven't received one over the past 6 months.
Product: Credit card or prepaid card

I called Wells Fargo, of which I have been a customer for 17 years, to ask about two charges. Not " dispute '' but ask for any pertinent info I could use to either call the originator of the charge or, lacking a contact phone number -- which, by the way, all retail/commercial outlets should provide regarding the routing charges on the c.c.billing statement, i.m.o. -- would file a dispute. The C.S. rep cleared up the first charge 's origination but not the second one ; she suggested that I XXXX the dubious name of place that issued a charge on my card... to try to get a number to call myself. 

W. F., apparently, has no gray areas but prefers to process these types of inquiries as all " fraud ''. Last time this happened, after I gave permission for them to do an inquiry -- although I objected about categorizing it as " Fraud Detection '' -- about a charge on my account. I received, two letters, mailed five days apart, however not in a timely manner, to let me know that they were closing my account and issuing a new credit card, ( if my memory serves. ) I don't even remember if I was issued a refund for the dispute ; I should go retrieve my records but I have a desk full of other pressing and worthy paperwork, at the moment. My apology! 

Today, the customer service person automatically cancelled my card without my permission, while I was on the line. When she announced this and I objected, she said she couldn't reverse her actions but put me on hold for her ~superior, of which I never got connected. ( A subsequent call resulted in the new credit card ordered by the first C.S. person, ( with seven-day delivery, by the XXXX, ) being cancelled... in order for ANOTHER new card to be issued and delivered, XXXX  XXXX! 

I pointed out the disparities and waste in this process, particularly with the lack of nuances, in that not every C.S. inquiry should be interacted and processed, only, for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnnel up for a new type of quota system. It seems like such a waste of time and resources, me having to change, eg., auto charges for service contracts on my c.c. account, nonetheless. 

Thank you for any help you can give for this complaint
Product: Debt collection

Hello I sent out 609 letters to c.f. ERC sent me a copy of Bills none with my signature sent a bill that Dates XXXX tho XXXX XXXX sent about 3 bills with different amounts. I do not have a account with ERC they did not send me letter 5 day before placing me in collections and looks like they started my bill over I do n't have XXXX since XXXX I would like this deleted off my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

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  I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX  XXXX
Product: Debt collection

I Have contacted this company numerous time to express that lack of evidence that landlord, have provided about the claimed debt. I have never gotten deposit back from said landlord. also, the amount listed on the complaint have change from {$2000.00} to {$1800.00} with no explanation or cause. the amount of creditor have double and they are all claiming to the none existing debt.
Product: Vehicle loan or lease

Had issues with Santander Consumer USA last summer. We finally reached a deal and refinanced my loan. And I have made 7 consecutive payments on time or earlier than the expected due date. I feel like Santander did me wrong before I reached out to their Corporate Team and that is where a new loan restructure had taken place.

I feel that I have proven myself that a little hiccup shouldn't put a customer/consumer relationship on the line. So I have a proposal for Santander
Product: Debt collection

I sent a debt validation letter 2 times and each time this company failed to validate my debt.. 
Letter 1 sent.- XX/XX/22 Letter 2 sent.- XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote to the credit bureaus ( Experian, XXXX XXXX XXXX ) requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from either of them or any acknowledgement that an investigation has begun. 
I have attached proof of delivery from the postal office.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Round Complaint Regarding Inaccurate Late Payments - Account XXXX XXXX XXXX  Dear CFPB, I am filing this formal complaint against Experian and XXXX for failing to correct inaccurate late payment information reported on my credit report for the account with XXXX XXXXXXXX, account number XXXX. Despite submitting two prior disputes on XX/XX/XXXX, and XX/XX/XXXX, the inaccurate reporting remains unresolved. It is important to note that XXXX has already corrected this error and updated my report to reflect a positive status. We are now awaiting similar action from Experian and XXXX. 
Violation of Consumer Protection Laws This situation constitutes multiple violations of federal consumer protection laws, as outlined below : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are mandated to ensure the accuracy of consumer file information and conduct reasonable investigations upon receiving a dispute. In this case, your failure to address my concerns effectively violates this provision.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain maximum possible accuracy in credit reports. The continued presence of this error contravenes this obligation.

Truth in Lending Act ( TILA ) : 15 U.S.C. 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reported late payments suggest a failure by the creditor to comply with this statutory requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements and prevent unfair penalties to consumers. The reporting error unfairly impacts my creditworthiness. 
Details of the Inaccurate Reporting Creditor : XXXX XXXXXXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX and XX/XX/XXXX Status on XXXX XXXX Corrected to reflect positive status. 
Status on Experian and XXXX : Still inaccurately reported as 30 days late. 
Evidence Supporting the XXXX XXXX reports from all three bureaus ( XXXX, Experian, and XXXX ), showing discrepancies. 
Copies of my previous dispute letters dated XX/XX/XXXX, and XX/XX/XXXX. 
Personal identification documents to verify my identity. 
Desired Resolution I formally request the following : Immediate removal of the inaccurate late payment notations from my credit reports with Experian and XXXX. 
Written confirmation of the corrections made. 
XXXX that my credit file will be monitored for ongoing accuracy. 
If this issue is not resolved promptly, I will escalate my complaint further by filing additional grievances with the Consumer Financial Protection Bureau ( CFPB ) and pursuing potential legal remedies. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This company never wrote to me about the hard inquiry. The complaint was closed because I did not respond in time. I'm sorry about that, but I am making the same complaint again. The company is : XXXX XXXX XXXX Inquiry  from XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$800.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$300.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$1200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$960.00} Needs Attention XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$880.00} Needs Attention Collection accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Collection account. {$530.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$300.00} Status Collection account. {$300.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$960.00} Status Collection account. $ Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached, he following items do not belong to me and is a result of fraud that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account since XX/XX/2020 and I have been asking for verification documents to show that this account does in fact belong to me and they have not responded in writing with any information. When I contact these companies by phone they are not even able to locate my account with my name, social and address.
Product: Credit reporting or other personal consumer reports

There are items that has resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Product: Mortgage

PennyMac Loan Services , LLC has committed Fraud. Failure to disclose the fact that they are used my application as a security, that is now traded on the secondary market. The Mortgage and the promisoory note has been traded and sold without disclosure. I had a forensic audit ran on the account and I now have the CUSIP and the proof in my hands that FRAUD has been committed in my name. Also, PennyMac Loan Services LLC, are committing these trades and fraud in the name XXXX XXXX which is a trademark. I have cease and desisted PennyMac Loan Services , LLC from all use of this mark, yet they persist on using it and trading off the mark for their financial gain. This is a Federal Law violation. RICO Act, 12. USC 2601, 12 USC 2605 ( b ) ,15 USC 1601, 15 USC 1641 ( g ), 12 USC 5531, RESPA AND TILA Violations have occurred.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to Experian, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity.

The letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that experian will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify as accurate XXXX  XXXX account XXXX XXXX  XXXX account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022
Product: Credit card or prepaid card

The company had been calling all throughout the year during the pandemic. I told them I didn't have the payment amount so I would pay them when I got the funds or found a better paying job because I was catching up on large utilities. I had had a major repair needed in my home during the winter time of XXXX XXXX XX/XX/XXXX and also was still dealing with the effects of my car burning to the ground in XX/XX/XXXX. 
They said okay and asked me to pay the smaller of the two bank cards. I paid it off and started to work on the next one and they closed the account. 
Since the agreement was verbal and over the phone, they never sent me documentation of it. 
After, I got a hold of XXXX XXXX XXXX and we were writing a proposal deal to their company. When we called them, they offered a Customer Assistance Plan which they developed way later in the pandemic. I reviewed both offers with the XXXX XXXX consultant and I opted to take Synchrony 's CA  plan. Now they're calling me today, stating that I owe them money of {$200.00} overbalance on my account and sent my account to collections per my credit monitoring services. ( Which doesn't make sense because when I log into the account, it shows that I don't owe them a payment till XXXX for {$57.00}. ) Sychrony appears to not be honoring their agreement and has wrongfully sent the account to collections ( which was not in the agreement when the account was changed to the Customer Assistance Plan ). 
It's been over 30 days since the agreement was made and they are calling me today on a collections call on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}, {$240.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account. 


-- AUTO LOAN OR LEASE 4. TXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked up my credit report and there was a information on it that I had applied for a loan for a house and I was wondering what has happened because I have not ever applied for any loans, ever. I hope that we can resolve this so I dont have anyone trying to establish any lines of credit in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove : fcra violations : remove it XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$590.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$34000.00} Status Account charged off/Never late. {$34000.00} written off. {$34000.00} past due as of XX/XX/XXXX. 

not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX