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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This debt has been on my credit report for the past 6 years. In thos. 6 years I had 0 knowledge of it, and in those 6 years I never received any type of notifications from them. Not from them and not from the original creditor. I don't even have an account number for this debt.
Product: Credit card

Without fail, I have maintained a record of timely payments on this account, preventing any occurrences of overdue payments. Yet, I am puzzled by the existence of late payment remarks on my accounts, as per the provisions of 15 USC 1666b, which mandates the correction of billing errors.
Product: Checking or savings account

I have been a customer of Wells Fargo since 1996 ( takeover from XXXX XXXX and then XXXX ). The service has been miserable since WF took over and I had to fight them for months ( until I won ) on 2 past occasions. One was related to withholding taxes, which they had initially refused to return after I filed my XXXX, which by the way they had lost in the takeover from XXXX. The other was giving me the promised interest rate after maturity. They refused to honor the promised rate and gave me less, until I wrote several emails and fought them for months and finally got the promised interest rate. 

Most disturbing is, recently I found out ( by chance ) that I have been asked to close my account. I am an international customer and was also not informed. The reason given is that I do not have a US residential address. This is absolute discrimination, especially after banking with them for over 25 years! This is very unfair and unethical. To make matters worse, I have two interest bearing deposits and will lose my interest if the accounts are closed early. I have tried in vain to make WF understand my predicament and my pleas have fallen on deaf ears. I am desperate now as I do not have another US account to transfer the money and I am stuck. In addition, for years now, WF has not been able to reflect accurate address and contact details. They told me a range of lies and most recently admitted that their system does NOT accommodate international address or contacts. What kind of bank is this? They lied to me for years. I have all the emails between the bank and the complaints dept and I can share all of this with you. What can I do now and how can you help me? 

I am uploading three emails I wrote to the Wells Fargo Complaints Case Specialists.The emails will provide an indication of the issues I am facing.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX at XXXX XXXX I went to Well Fargo to lift a pledge of my personal loan and pay off the total balance of {$26000.00} was quoted to my personal banker who contacted the personal loan officer at Wells Fargo to pay off balance of personal loan. 
I verified my account information and the amount owed was verified by the loan officer at Wells Fargo, I told them I was closing the account by lifting my Pledge and paying in full on the spot ; I proceeded to sign my papers to lift the pledge and make my payoff payment with a withdrawal out of my savings, I got a receipt for the total amount payed on the loan {$26000.00} and the remaining balances into my checking and savings accounts. My personal banker requested I call back to make sure no issue arise and verify the loan was officially closed. Three days later I received a phone call that this loan was not closed due to an automatic payment that had not been withdrawn 4 days prior to the loan being paid off. To my knowledge that payment was included in the payoff. On the XXXX of XXXX 10 days later after the loan was payed off, it was explained to me that a payment of {$420.00} tried to come out on XXXX/XXXX/XXXX and " posted '' on XXXX/XXXX/XXXX but was rejected on XXXX/XXXX/XXXX was tried again with insufficient funds to cover second attempt which in return a payment reversal was done again on XXXX/XXXX/XXXX in the afternoon while that same morning I had came in for the payoff amount. As my final thoughts on this situation I still understand I payed my full balance per the conversation with the loan officer and  my personal banker.
Product: Debt collection

Please see attached notice. 
Summary of action by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX 1 ) Did not allot by law 1 year before reporting debt 2 ) XXXX reporting a medical debt that is under {$500.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that the bankruptcy was considered accurate. I then contacted the XXXX bankruptcy court regarding this issue and was told they have not verified and do not ever verify debts with the credit bureau. So, if this is TBE case, how did the credit bureau edify that the information reporting on my file is 100 % accurate. I investigated the issue further and found that TransUnion receives their bankruptcy information from a third party company called XXXX XXXX. Ive contacted this company and was told all false reporting of this bankruptcy has been removed from my file. However, TransUnion refuse to update my record. Instead, I was told that they can not verify my identity. I believe this to be an attempt to prolong inaccurate and damaging false reporting. They never did a fair investigation according to the 15U.S.C 1681. 15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

LVNV is reporting a collection for {$3700.00} for a XXXX ( orig creditor ). 
I never had an account with XXXX for that amount of money. In 2014 LVNV attempted to take me to court. I hired an attorney to assist. Attorney requested validation and they withdrew their case without prejudice. The SOL on this alleged debt has been well exceeded. I have over the last several month via certified mail with signature confirmations I have requested validation from them to get this removed from my reporting but I have been unsuccessful. They have never replied to my requests but they continue to report this past due balance. I have not received any mailings at all from them. Please help me. I need to refinance my mortgage and this is clearly a problem for me.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX, I am submitting this complaint for myself, attorney-in-fact. Fact, the fair credit reporting act states that the banking system is dependent upon fair and accurate credit reporting so be, and I have been violated by this debt collection company. I have also been violated under the Truth In Lending Act and FDCPA by this company and lawfully demand remedy as a US consumer. PLEASE properly address & remedy the attached documentation.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to this company to remove inaccurate information. This company in fact did not remove any of the inaccurate information. This company is furnishing inaccurate information such as email, violations, and phone number. As well as the misdemeanor being reported. Please correct this information.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address ongoing issues with XXXX, XXXX, and Equifax regarding inaccurate and misleading information on my credit reports. Despite multiple disputes, the errors remain unresolved, which demonstrates noncompliance with federal consumer protection laws. 

The inaccuracies include : XXXX. Incorrect account dates that do not match the original creditor 's records. 
XXXX. Inaccurate balance amounts, which are not consistent with actual account statuses.

3. Payment history errors, such as reporting late payments that never occurred.

The continued reporting of inaccurate information violates : FCRA Section 607 ( b ) : Failure to ensure maximum possible accuracy in credit reporting.

FCRA Section 611 ( a ) : Failure to conduct proper reinvestigation and remove unverifiable data.

Equal Credit Opportunity Act ( ECOA ) : Reporting inaccurate information that affects creditworthiness may result in discriminatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this debt collection agency twice via phone calls. I also have reached out through mail twice asking for verification of debt for three account reporting to the credit bureaus. I have also sent the same formal letter requesting verification via Experian. This notification was received even though the representative attempted to acknowledge what actually letter was forward to them. I still have not received verification in the appropriate time to date. The agency instead have continuously added and reported more interest monthly. They have also have the account listed as seriously past due when a collection account is past due by default and should not be reported as such. Account recovery has also flagged my credit report numerous times within days apart on the same debt to affect my credit. In addition, although they may say theyre collecting on behave of a XXXX XXXX they still have to follow the same regulations to include HIPPA law.
Product: Credit reporting or other personal consumer reports

Discover banks is in clear violation of FCRA 605B ( 15 u.s.c. & 1681 c-2 ( A ) .On or around the XXXX of XXXX i route, Discover card, requesting them to block information, resulting from identity theft, to which, according to the fair credit report acting this company had 4day timeframe to block said information to which discover bank has failed to do.
Product: Debt collection

On going collection since XXXX. Received collection calls & letters regarding a Discover Bank card ( I was an authorized user and my son XXXX XXXX was the account holder ). I responded with a Cease & Desist letter as well as a Verification/Validation letter requesting proof ; such as application with my signature to the law firm handling the account, XXXX XXXX XXXX. They provided a copy of the application and a recent statement of the account. The application only has one applicant and one signature XXXX XXXX. I responded with a letter advising the application does not show my name or signature and that again I was an authorize user and according to the credit law I am not liability for repayment. In addition, the account holder filed Bankruptcy and was discharged XX/XX/XXXX. I provided proof of the Bankruptcy. XXXX XXXX XXXX filed a lawsuit against me for the Discover Bank account on XX/XX/XXXX. I received a copy of the lawsuit where the Proof of Service claims I was served XX/XX/XXXX at my son 's home, which I use as a mailing address. I am not a XXXX female as stated on the proof of service and I was in the state of Idaho in XX/XX/XXXX. I am retired and I travel from California, Idaho, and Hawaii. I have been dealing with this issue far too long. I have sent countless proof that I am not liable for this debt, proof the law firm sent me as per the Verification/Validation letter yet they still continue to violate the FDCPA, FCRA, and FTC laws. I sent a Certified Letter in XX/XX/XXXX summarizing this issue as well as requesting to file a Motion to Dismiss with Prejudice since I am not the responsible party and to provide proof of the matter.
Product: Debt collection

I am continuously being harassed by a collection agency for a debt that is not owed. I was attending XXXX XXXX which was located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Which is no longer in business their doors was closed in XX/XX/XXXX. I have a Stafford Loan with the U.S. Department of Education with a remaining balance of XXXX. Which I have been paying since XXXX/XXXX/XXXX. XXXX XXXX submitted a notice to a collection agency National Enterprise Systems located at XXXX XXXX XXXX XXXX XXXX XXXX, Phone number ( XXXX ) advising them that I owe an outstanding balance of {$6100.00} not from my student loan, but from potential money they could have obtained, if I would have remained in school. XXXX XXXX dropped me XX/XX/XXXX one semester prior to graduating with a degree in nursing, stating that the funds they were collecting was no longer available. Stafford Loans Us Department of Education showing XXXX loans they XXXX were dispersed to XXXX XXXX on XXXX/XXXX/XXXX XXXX amount of {$3500.00} XXXX amount of {$6700.00}, there was also a submission of payment from the Workforce Initiate Act on XX/XX/XXXX in the amount of {$3400.00}, they also received Pell Grant money in the amount of {$2600.00}. I was not given any personal money. I am constantly being harassed by the collection agency for a debt I do not owe. I have never heard of collecting payments on services that was not received. Please feel free to contact me with any additional questions as required or needed. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a certified letter to Experian requesting validation bearing my signature on an account they are reporting for XXXX XXXX. On XX/XX/2019 they sent a response saying that the account has been verified as accurate but they provided my documents and placed no dispute remarks as requires by federal and state reporting laws. On XX/XX/2019, I requested a description of the procedure used to determine the accuracy within 15 days along with the names and phone numbers of the people they spoke with and reporting the dispute remarks not on there. On XX/XX/2019, they sent yet another " verified as accurate '' response with no documents and no dispute remarks placed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint regarding the reporting of some late payments reported by XXXX. According to the SCRA some issues were fixed associated with the account, but the late payments have not been corrected. I have late payments being reported for XXXX, XXXX, XXXX. My Military XXXX  started in XXXX, I had no access to internet, my personal finances or anything. I think it is completely inaccruate and unjust for a credit card company to report late payments against a service member who had no access to his finances at the time. I have highlighted in the previous reponse the issues that needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Equifax having proper information on my credit report   XXXX   is correct I sent both credit agency to copy of the  XXXX  report and ask them to update it they have not done so as of yet. They all should have the same type of reports where information is concerned they do not match.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that National Credit Adjusters would verify the debt. So I took it upon myself to ask National Credit Adjusters for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for XXXX XXXX XXXX which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, EQUIFAX is breaking the consumer law pertaining to : XXXX XXXX Ive uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX CARD HOLDER
Product: Credit card

Hi, I requested for XXXX 's place to close my account back in XXXX. I fell on hard time due to the loss of job and XXXX. I had XXXX XXXX, NY and XXXX, XXXX, and they were all closed as requested. XXXX 's place was supposed to close my account and the never did. I had a balance card for {$100.00} dollars. Account assured was going to pay that, and I would pay XXXX a month to account assurance after time. 

Children place did a criminal act by not closing my account when i requested. and they continued to keep my account open saying i made on time payment while charging me late fees and other fees. the balance is now {$2400.00}. Account assured said they closed my account in XX/XX/XXXX or XX/XX/XXXX. But XXXX place still charged account assured and other fees. 

I don't owe children place any money and they actually owe account assured {$620.00}. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding unjust charges from XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ). Since 2018, I have been wrongfully charged {$780.00} for carpet replacement after they kept my {$650.00} deposit. Additionally, they unlawfully charged me {$50.00} per month for my Emotional Support Animal ( ESA ), violating California Civil Code 54.1. All proper documentation was submitted to them regarding the ESA animal. 

Despite my attempts to dispute these charges with the property management, they have refused to address the issue, directing me to a collection agency. These charges have been reported to Experian, XXXX, and XXXX, impacting my credit and leading to housing denials. I have also disputed these with the credit bureaus, but they refuse to remove the negative information. 

I request that the CFPB intervene to resolve these unjust charges and have them removed from my credit report.
Product: Credit card

I had purchased tickets from XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX 2024, I purchased a refund protection plan with the tickets that guarantees my full refund if I decide to cancel for any reason the total amount charged to my credit card was {$140.00} and the festival is not until XX/XX/XXXX. I used the festivals refund option and went almost a month without a response. After that I went through the dispute process with Capital One as I purchased it with a Capital One credit card. I have uploaded documents proving that I was entitled to a full refund, I provided proof of purchase and the festivals refund policy information, yet multiple times Capital One has sided with the merchant ignoring blatant facts that the merchant did not uphold thier own written policy that is on thier site. Capital One told me that the merchant proved they provided the service they sold to me, however the festival isn't until XX/XX/XXXX and I purchased a refund protection plan, it is impossible that they provided the service, when the festival hasn't even taken place yet. I still have not heard anything from XXXX  XXXX XXXX they're clearly a scam or fraudulent business as they respond to the credit card companies but not the customers.
Product: Credit reporting or other personal consumer reports

I stated due to the FRCA LAW, data breaches & all 3 bureaus being sued currently for reporting inaccurate information required to remove the information disputed immediately & once information was found to valid, per company refuses to remove the information as I requested. Also disputed the other 2 credit bureaus for the exact same reasons. It says deleted but not removed on all the disputed items. Requesting a cease & assist to remove immediately from all 3 credit bureaus.
Product: Vehicle loan or lease

I received a refinance offer through XXXX XXXX that appeared to be personalized based on my credit profile, vehicle make and model, and loan amount. The offer displayed a specific interest rate and monthly savings, leading me to believe I had been prequalified or preapproved under those terms. 

The interface and wording gave the impression that this was a soft inquiry or that terms would be close to what was shown. However, upon clicking Take Offer, the lender performed a hard credit inquiry and presented loan terms that were significantly different than what was advertisedfar less favorable than the original offer. 

I would not have proceeded had I known the true terms or that a hard credit inquiry would be involved. I believe this was a deceptive and misleading marketing tactic that caused harm to my credit through an unnecessary hard inquiry based on inaccurate advertising. 

I am requesting that XXXX XXXX ( and/or the lender ) be held accountable for misleading consumers in this manner.