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

I have reported this numerous credit bureaus information is fraudulent on XXXX XXXX XXXX  XXXX Has been notified by calls and letters. I did not open this account I did not live at the address at that time I have asked for proof receipts and original documents I have signed and proof they legally obtained this debt and have gotten nothing. They harass me constantly with collection calls. They also threaten and call people liars. Any help would be greatly appreciated. 
Thanks XXXX XXXX
Product: Debt collection

After pulling my credit report I found that I had a collection account from Stellar Recovery Inc . I reached out to them at XXXX and spoke with XXXX representatives. The first agent I spoke with in regards to this matter was unable to locate an account. After getting annoyed by the situation I was then transferred to XXXX who was able to locate the information. When trying to find out why I was n't given the proper notification so I am able to handle the matter at hand I was informed that not only did they not have the correct address on file which the vender Century Link does have to proper address on file. I asked if they verified any information and was informed they did not. I then proceeded to figure out why they went against FTC collections policy and what it was going to take to get this handled and removed. They told me they would not do anything and if I pay it they will just mark it as paid on my report. I also found that they shared my information with XXXX parties which I did not agree to. 

By law all this information was supposed to be verified by the vender including the mailing address. This company failed to follow those compliances the demanded that I pay it so they can mark it as paid.
Product: Money transfer, virtual currency, or money service

I tried to purchase a car online from XXXX. I was also trading in my old car. I was not able to supply them with the odometer reading from my old car because the dashboard light did not work. They would not complete the deal because I could not upload my odometer reading to the web BUT they took {$23000.00} out of my checking account regardless. This withdrawal occured on XX/XX/year> at XXXX. I ended up purchasing a car elsewhere. XXXX promised me that the last day that the funds would be transferred back into my checking account was XX/XX/XXXX. It is now XX/XX/XXXX and they have not transferred the funds back into my account. I spoke to a XXXX customer service person yesterday and she said that I would receive an email from XXXX, which has not happened. She did give me a case number, which is # XXXX.
Product: Debt collection

On XX/XX/2024 a debt collector online information services. opened a collection account on my credit report. I am not aware of this debt. I was not given proper notification of this debt nor the opportunity to dispute this debt prior to it being put on my credit reports. If in fact this company believes I was given proper notice prior to this being placed on my credit report, I would like a copy of the certified notice with my name and signature on it making me aware of this debt and the opportunity to dispute before it was placed on my credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several attempts to have old information removed from my credit report, Experian refuses to conduct an investigation. They have written me explaining that they refuse to conduct a re-investigation of this account.
Product: Credit card or prepaid card

In XX/XX/2015 I opened up a secured credit card ( XXXX limit ) with Wells Fargo. I had to sign at least 10 documents to open up this card and give them my XXXX dollar deposit. After sometime and with my account in good standing Wells Fargo decided to " upgrade '' my account to be unsecured without my permission or my knowledge. They said that they sent a letter notifying me of this upgrade and since I didn't respond within 60 days to decline this they then deposited my XXXX back into my account making my credit card unsecured. 

Around the same time as the incident mentioned above my life was altered by a car wreck and I had many unforeseen expenses. Of course I maxed my " secured '' card out during this time and when I went to Wells Fargo to close out my account they told me " Your account was upgraded months ago. '' Needless to say I was speechless and at a loss for what to do. I still can't understand how I had to sign 10 documents to open the account but not ONE to upgrade to an unsecured account! My whole point is that if I had known that my card was unsecured then I would have definitely refrained from spending the money. I asked Wells Fargo for an explanation and they said that since I did not decline the offer within 60 days that it is just like accepting it.
Product: Vehicle loan or lease

I received an email from XXXX saying I owe {$240.00}. I called and they said it was an error. They sent me another email saying I owe {$77.00}. I called XXXX XXXX where I originally took out the loan and they said that my account was fine and paid in full. 

XXXX XXXX gave a mailling address to send payment to as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not pay it. But I am concerned that they have my information.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a HELOC open with XXXX XXXX XXXX. Monthly Automatic payments were setup and made on the XXXX of every month. XXXX XXXX XXXX confirms receipt of those payments having been received and posted to the account, however XXXX is reporting to the Credit Bureaus as me having multiple 30, 60, and 90 day delinquencies which is A ) Incorrect and B ) Preventing me from refinancing the mortgage on my primary residence. 

I have filed a complaint with XXXX and they issues a decision to the case that they were correct in their reporting and closed the case. 

On top of that, I paid off in full and closed the account on XX/XX/XXXX and they are still showing delinquent payments of 0 days in XX/XX/XXXX and 0 days in XX/XX/XXXX as well as delinquencies in XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX I have included my ID ans SS info for proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union is inaccurately reporting a credit card over XXXX XXXX XXXX on my credit report. The credit card was settled and paid off and I was previously advised that once I settled and paid if off that it would be removed from my credit reports. Navy Federal still have not removed the credit card reporting from my credit reports as they promised to do once paid the settlement amount. The credit card was first delinquent in early 2016, and it has been over 7 years since delinquent and by law should be deleted and removed from my credit reports as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im hXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting

Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made
Product: Credit reporting or other personal consumer reports

This vehicle was involved in an accident and determined to ne a total loss. XXXX insurance has made several attempts to contact XXXX XXXX and settle remainder of debt. Loans has been paid in full and should reflect that on my credit report.
Product: Mortgage

I have been going through the refinance process for primary residence with Owning Corporation for a few weeks now. I signed the final loan documents on XX/XX/2020, and as of of today XX/XX/2020, my new loan has not been funded and closed. Now, my payment with the existing lender is due and I am not sure what I need to do. 

I have sent multiple emails to the Owning closing agent and for the most part, I have been ignored. On Friday XX/XX/2020, I sent another email to the Owning closing agent and I mentioned that I was in the process of filing a complaint with CFPB. Immediately after that, I received a response and I was told my loan would close in 48 hours. As I mentioned earlier, I just checked my existing mortgage account online, and it appears that the loan has not funded yet. 

Due to this unwarranted delay in funding my loan, I am incurring higher interests and I am in the danger of being late with my current lender.
Product: Credit reporting or other personal consumer reports

My Transunion report shows a hard inquiry from XXXX XXXX on my credit report on XX/XX/2023. I contacted Transunion several times to request that the unauthorized inquiry to be removed. XXXX XXXX sent two letters one on XX/XX/XXXX and the other letter was send on XX/XX/2023 I sent the letter from XX/XX/2023 from XXXX XXXX to Transunion and the inquiry continues to remain on my file. 

Attached are the two letters from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an issue with the personal data on my credit report, which I believe is not being handled in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681g. 
On XX/XX/2024, I sent a written request to Equifax to correct or remove inaccurate personal data from my credit report. My request was based on the FCRA requirement that consumers have the right to accurate information on their credit reports. The specific inaccuracies in question include my address and incorrect previous addresses. Also reported account data that is inaccurate and unverified. 
Unverified accounts, no physical documents provided to me to verify has been provided despite my requests : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX  XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX ( XXXX in XXXX, XXXX XXXXXXXX ) XXXX XXXX XXXX  XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX MD XXXX Correct address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX In my initial letter and a phone call on XX/XX/2024, I provided all necessary verification documents as stipulated under the FCRA to support my request. These documents included a copy of my social security, passport, and utility bill. Despite providing these documents, Equifax has failed to take appropriate action to rectify the inaccuracies. 
The failure to correct or remove this incorrect data is causing significant distress and may negatively impact my creditworthiness. As per the FCRA, I am entitled to accurate information and timely resolution of such disputes, and I have yet to receive a satisfactory response or resolution from the credit reporting agency.

I respectfully request the CFPBs assistance in ensuring that my request is processed correctly. Specifically, I seek the following : 1. A prompt review and correction of the inaccuracies on my credit report as per my initial request.

2. Confirmation that all required verification documents have been received and appropriately reviewed. 
XXXX. A formal update on the status of my request and any actions taken by the credit reporting agency. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Debt collection

On XX/XX/2020 I sent off a debt validation letter to Heritage Acceptance Corporation. It was delivered via certified mail ( USPS ) on  XX/XX/2020. 
Heritage did not complete the debt validation form as requested in the letter which will be included in this complaint. I have highlighted ( Exhibit B ) the areas in the form that were supposed to be completed by the corporation, but has failed to do so. 
Heritage Acceptance Corp has also clearly violated the FDCPA.

15 USC 1692b ( 5 ), " not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt '' ( I have also highlighted this violation in Exhibit A ) 15 USC 1692e ( 11 ), " The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. '' Heritage failed to disclose in their communication via postal mail that they were attempting to collect a debt which violated the FDCPA.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a new XXXX XXXX BUSINESS visa card. I was approved. Later that month customer specialist XXXX XXXX blocked my card citing " verification purposes ''. 

Since XX/XX/XXXX XXXX XXXX asked for multiple pieces of information from me -- social security card, driver license, business license. All information was sent as requested. The account wasn't reopened and was closed on XX/XX/XXXX citing " violation of cardholder agreement '' however, there was no violation. 

I submitted a complain via CFPB about improper actions by XXXX XXXX requesting account to be reopened. The response was that I needed additional piece of information ( my social security card ) which I faxed again. The account wasn't reopened and customer representative couldn't cite the reason for it. The answer is same " unverified information '' however the bank can't say what information is needed. 

The bank refuses to honor cardholder agreement and refuses to explain their actions.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX reference XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

XXXX XXXXXXXX XXXX reported a charge off on my credit report in the amount of {$500.00} on XX/XX/2022. Ive received multiple unsolicited phone calls and letters in the mail from this company trying to collect this debt which violates my rights as a consumer as shown below in 15 U.S.C section 602 A. Ive tried to reaching out to the company to have this account removed from my credit report with no luck. Please take into account all the laws that violated my rights as a consumer below. Thank you for taking the time to read my complaint and have a great rest of your day! 


15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C. Section 604 A section 2 : It also states that a consumer reporting agency Can not furnish an account without my written instructions.

15 U.S.C 1692C- States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt