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

I was erroneously charged multiple fees to my   XXXX   XXXX   store card account beginning in  XX/XX/XXXX  ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my   XXXX   XXXX    account in  XX/XX/XXXX , or at least I was under the impression that I had paid off my account ; however, due t  XXXX   XXXX   XXXX   billing cycle, I had a remaining balance of {$3.00} that was paid on XX/XX/XXXX . The first fee I incurred was on  XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On  XX/XX/XXXX  I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On  XX/XX/XXXX  I was charged another late payment fee in the amount of {$37.00}, and on  XX/XX/XXXX , a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees.
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I was finally notified the week of  XX/XX/XXXX  via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On XX/XX/XXXX I called   XXXX   XXXX   store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the three credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to   XXXX   XXXX   reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$30000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$97.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$390.00} XXXX   XXXX  XXXX {$620.00} XXXX XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter on XX/XX/2022 to XXXX XXXX  however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, 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 ( XXXX ) 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
Product: Mortgage

My mortgage was just sold to Loancare LLC ( XXXX XXXX XXXX XXXX XXXX ). I received my temporary coupons in the mail on today. I registered on their website to make my monthly payments via the web. When I tried to make my current payment, although I have XXXX days, I realized the company added a {$10.00} fee to my payment. As I read down the page, they charge their customers ( due date is the XXXX of the month ) : On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} This is a scam and has to be illegal. I would like for these guys to be investigated, I 'm sure they 're scamming ALL their customers.
Product: Credit reporting or other personal consumer reports

IN REGARDS TO THIS XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. This account is a certificate of indebtedness ; it is now considered income, and income can not be reported on any credit report. 

The CFPB found Equifax violated the FCRAs requirements for investigating and processing consumer disputes and assuring the maximum possible accuracy of the information on its consumer reports. The CFPB also found that Equifax violated the law by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. Specifically, the CFPB found Equifax harmed consumers by : Failing to thoroughly investigate consumer disputes : Putting previously deleted errors back on credit reports and failing to block identity- theft related information : Sharing inaccurate credit scores and data about consumers with lenders : Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX/XXXX/2015 I spoke with equifax customer service about having more than XXXX credit report. Equifax verified that I have XXXX credit reports ( Confimation # XXXX ). I was informed that equifax would merge the reports, but I had to fax a copy of my social security card and proof of address. A copy of my social security card and drivers license was faxed to equifax. Rep explained that it could take up to 90 days to complete the merge. 
On XXXX/XXXX/2015 I received an email from equifax stating that they could not merge the reports. The same day I filed a complaint with the CFPB ( XXXX ). Equifax responded and stated that they will merge the reports and that it could take up to 90 days. 
XXXX/XXXX/2015 called equifax to get a status of the merge. I was told that I need to fax a copy of my social security card and drivers license. This information has already been provided and verified. After verifying this information and informing me that the reports would be merged, it appears that nothing has been done. 
When I pull my report I get the same report each time, and ca n't see the contents of the XXXX report. I have no idea what information is being reported on the second report. As a consumer I should have access to any/all information being reported on these reports. 
I have been denied credit based on information obtained from equifax. Creditors base their decisions based on negative information that I ca n't see, and have no idea if it is valid or not. I have also asked that equifax mail me copies of both reports. They stated that they would mail the reports, and I have never received them. As a consumer I have the right to know what is on these reports, and the ability to dispute what may not be valid. I should be able to make a credit decision based on what my reports contain, and not what a creditor can see and I ca n't.
Product: Credit card

I have received notice of fraudulent credit card applications from XXXX XXXX XXXX XXXX  Wells Fargo, and XXXX. I have contacted the companies and placed credit freezes on XXXX, XXXX, and XXXX. Applications were dated XX/XX/XXXX and XX/XX/XXXX, included my address and SS #, but have not gone through because of the freezes I placed. I was notified of the Credit Inquiry.
Product: Credit card or prepaid card

I receive my social security money on the direct express debit card and they sent me a new card and I have tried to activate it but every time I call them to do it they cant verify who I am. Ive called them at least 10 times over 2 days. Ive done everything they say, I sent them copy of my photo Id front and back. I went to social security office. I have all my money on that card and they will not help me. They are very rude and keep giving me the run around. This is what I use to pay all my bills and buy my food and medicine with. I dont know what else to do..
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account on my credit report is fraudulent : Portfolio Recovery Associates, LLC Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Customer Service Toll Free : XXXX NMLS ID : XXXX I have previously contacted the credit bureaus ( XXXX XXXX XXXX XXXX & XXXX ) of this inaccuracy and have not gotten a resolution. I am not liable for any debt to Portfolio Recovery Associates, XXXX XXXX XXXX XXXX, or any factoring company. Portfolio Recovery Associates has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.
Product: Checking or savings account

On XX/XX/XXXX, an XXXX dispute was filed under REG E. The dispute number was XXXX. The dispute was resolved and the total amount that was attempted to be added by ETF reversal is {$3300.00} which was on Thursday XX/XX/XXXX per the manager at the dispute EFT resolution dept of Banco Popular. They contacted me the following day saying they could not credit my account because the XXXX XXXX, XXXX branch had a block on my account. I contacted a supervisor on XX/XX/XXXX to ask them for help and they contacted XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX ), the managers of the branch to release the block so they could add the funds back into the account. XXXX refused ( most possibly due to the a complaint I had filed previously as retaliation ) and claimed that the account was under investigation.When speaking to her, she gave me blanket statements, refused to help and told me to call customer serivce. Regardless, I continued to contact supervisors and XXXX XXXX only to be given the run around of fake promises of call backs. Within 5 hours of trying to get my account unblocked so I could get my funds, the branch at XXXX XXXX location completely made my account inactive to customer service ( even though it was not for weeks ) so that it read " this account is currently under investigation, no other information is available ''. This is clearly a fraudulent move by the branch as they were trying to limit my communication about the funds that should be available to my account. I have tried reaching out to area managers and other individuals with no response. This is a clear violation of REG E and the funds that were attempted to be reinstated to my account are now lost. I have notes from the parties involved and all communications.

Please look at the timeline. See how my account was not restricted to customer service calls until XX/XX/XXXX when I was trying to have this branch help me with my problems. This is criminal.
Product: Debt collection

The continued presence of this fraudulent account on my credit report is nothing short of an outrage. Despite my repeated attempts to rectify this situation, the fraudulent accounts continue to plague my creditworthiness and financial stability. It is beyond comprehension that your agency has failed to take swift and effective action to rectify this situation. Your agency 's failure to address this issue effectively is not only a violation of the Fair Credit Reporting Act but also a blatant disregard for the rights and well-being of consumers. 

XXXX XXXX  XXXX PLEASE DELETE!!! 

The ongoing presence of these fraudulent accounts on my credit report constitutes an affront to my rights and a source of profound distress and financial suffering.
Product: Mortgage

XX/XX/2022 I locked in a rate XXXX with NVR had my loan estimate signed and completed. my loan officers plan was to use part of my down-payment to pay off my lease to keep me under 50 % debt to income ratio. XXXX I get contacted my the loan officer with an issue with his plan. The paying off the lease would not change my debt to income ratio. so eventual he got back to me saying they would get me to 2.75 % and that would work. I said ok. The lender then sent me a revised loan estimate on XX/XX/XXXX which supposedly brought my mortgage down. cost of home is XXXX, loan amount is for XXXX closing cost total XXXX, down-payment XXXX, already paid XXXX, seller credit XXXX and total owed at closing XXXX so today I recieved my closing disclosure total cost/loan amount I'd the same down payment total is XXXX less, seller credit is now XXXX. total due at closing now is XXXX the lenders excuse to why they were different were because he was playing with the numbers to get me where I needed and just said the XXXX was an error. but him and I had a conversation on the phone when I received the loan estimate and asked if this was the correct amount I will be paying at closing he stated yes. never did he say this was just him playing with the numbers. I never recieved another loan estimate after the one on the XXXX with any changes that he claimed he was playing with. now less than a week before closing I get a closing disclosure XXXX more than the last loan estimate my original rate at XXXX was matched to XXXX  XXXX XXXX with just a fee of XXXX matching them. when they dropped my rate the amount went to XXXX but the XXXX seller credit squatched it. now there claiming that it was not XXXX on any of the other documents and I examined because the rate charge was only the XXXX we agreed on. NVR lender messed up causing the issue and the reason for the rate charge. that's what I assumed the XXXX was for. now they are tryi.g to get put of it and have me pay for their mistake. I told the lender these are all legal documents I signed the last loan estimate because it was exact to what I will be paying otherwise if he was just playing g with number I should have recie Ed an exact document with the correct information. not a completely different document 6 days before closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to Experian stating there was inquiries on my acct that I had no idea of they got back with me stating I had to contact the company myself so that its taken care of.
Product: Debt collection

I have called both Tempoe LLC ( Original Creditor ) and XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a collection account to attempt to settle. When I contacted them, the only information they had was my name and an old address. They could not validate the debt. I believe they are fraudulently trying to collect a debt and damaging my credit. They keep telling me to call each other and I have spent hours reaching out to get this taking care of which they have no information on. I have a call log if requested and have disputed this multiple times through all 3 collection agencies.
Product: Debt collection

A third party debt collector or private party collection agency, Brown 's Collection Agency, attempted to collect on a debt and charge interest.

According to 22 USC 7102 ( 7 ) debt bondage ( 11 ) severe form- involuntary servitude, peonage, debt bondage.

This practice can be viewed as a type of trafficking with the way the debt collectors were charging interest like in 15 USC 1692f ( 1 ) where it explicitly states what unfair practices are.

31 CFR 5.21c explains when a debtor is no longer employed by the use of the SSN assigned to the consumer. Including the debtor 's final salary payment, lump-sum leave payment, other payments to the debtor by the treasury entity .

31 CFR 5.10d details the procedure for offsetting and to challenge to see if the debt is legally enforceable.

31 CFR 902.2b ( 4 ) The possibility that the assets have been concealed or improperly transferred by the debtor.

This is why Brown 's Collection Agency or Brown 's Credit Bureau can not produce a legally enforcable contract between XXXX XXXX and the company.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX
Product: Credit card or prepaid card

What happened? 
Fraudulent activity on credit card ending in XXXX - Many attempts to resolve this issues- so many calls and two packets of information that were sent to Barclays. Managers do not return calls - the representatives keep stating it will be 10 days to resolve. It has now been almost 6 months and Barclays has admitted responsibility. 
Notified Barclays, submitted all supporting documents and followed up per the request of Barclays After of period of 5 months, they have still not resolved the issue. 

Company Name : Barclays XXXX XXXX XXXX XXXX, Delaware XXXX XXXX Action : Barclays Response XX/XX/2022 Internal team at XXXX began XXXX error in credit card statements XX/XX/2022 Internal investigation on-going XX/XX/2022 Called Barclays Barclays provided steps to submit claim XX/XX/2022 Received confirmation that packet was received XX/XX/2022 Called XXXX for status update XX/XX/2022 Received notice stating that we would receive full credit except for XXXX charges XX/XX/2022 Received payment of {$73000.00} XX/XX/XXXX Called Barclay for status update XX/XX/2022 Called Barclay for status update XX/XX/2022 Received notification stating investigation is still pending XX/XX/2022 Called Barclay for status update XX/XX/2022 Received notification stating investigation is still pending XX/XX/2022 Called Barclay for status update XX/XX/2022 Called Barclay for status update XX/XX/2022 Called Barclay for status update Sent another packet of past What amount : {$170000.00} What would be a fair resolution? To refund all monies that are deemed fraudulent What have we done to try to resolve the issue? - Multiple calls and letters were sent to the Barclays investigation department. This has been very upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX XXXX XXXX  XXXX