23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have reported my concerns and my problem to the better business bureau, the consumer financial bureau, XXXX XXXX XXXX, The Office of the Comptroller of the Currency ( OCC ), and the Consumer Financial Protection Bureau. I have not heard anything back from XXXX Bank. No one affiliated with the Bank has tried to call me back by, email and I didnt even receive any mail communication. I am planning to do whatever it takes to have this establishment fix its mistakes and I am not going to settle this negligence until I receive a call back from one of XXXXXXXX XXXX XXXX with an apology and resolution to lower the interest rate on my account, remove monthly fees after reopening my account after removing the negative reporting to XXXX major credit bureaus ; XXXX XXXX XXXX XXXX 
I will be waiting to hear from XXXXXXXX XXXX  XXXX, and I am more than willing today and, in the future, to take their calls and listen to what they have to offer to resolve this issue. 
Lastly, I received a letter from a collection agency to which XXXXXXXX XXXXk sold the debt to, and I reached out to them via USPS mail, and via email twice and I havent heard back. 
I can always provide proof of these communications when/if needed. This is the name of the collection agency that reached out to me ; Phillips & Cohen XXXX XXXX XXXX XXXX, XXXX, DE XXXX ) and their email is ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested disclosure with negative accounts on my credit reports with the 3 Credit Bureaus XXXX, Equifax, and XXXX. Credit Companies are not complying with their own policies in a timely manner.
Product: Mortgage

We paid off a commercial mortgage and received a letter from Wells Fargo dated XX/XX/XXXXXXXX  to contact our private banker if we would like coopy of the recorded release. We did so and tried on numerous occasions to get a copy sent to no avail. We tried again on XX/XX/XXXX and spoke to XXXX in the wealth management department and she said this is for personal mortgages. She switched us to XXXX XXXX in the mortgage services department. She was not able to help and she switched us to XXXX in the commercial mortgage department. Guess what ... ..she couldn't helpand she switched us to XXXX in XXXXhe small business premier department. You guessed it ... .she couldn't help and she switched us to XXXX in the home equity department. She couldn't help and I told her unfortunately I am left with no choice but to file a complaint in order to get a copy of the recorded release. Thanks for your help!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time, as evidenced by the attached bank statement showing the transaction on or before the due date.

Natural Disaster Accommodations : This account was affected by a natural disaster, which should have precluded any late payments from being reported during the affected time frame. 
Clerical Error : There was an administrative error on the creditors part, not reflective of my actual payment behavior. My consistent payment history supports this claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Equifax is failing to upload their responsibility of deleting information that is inaccurate after being notified why such information is inaccurate. They are blatantly disregarding the law by reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account beginning # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Third party are reporting a bankruptcy on our credit reports. The bankruptcy is not disclosed by the bankruptcy court and are in violation to the fair credit act. I have asked for it to be removed from our credit reports but keep getting from the credit bureaus that it is a valid reporting without having verification other than stating theu received it from a third party. The bankruptcy court has informed me that they do not report information to the third party and that they do not disclose bankruptcies.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have disputed my Regions account ( personal loan ) through the credit bureaus and i tried contacting Regions, but all the phone # s do not work. 

Regions Bank has been incorrectly reporting the closed date of my personal loan since it was included in bankruptcy last XXXX. 

The actual closure date was XX/XX/XXXX ; at first, regions Bank put the closed date as XX/XX/XXXX, then XX/XX/XXXX, when I disputed it at the time, and now Regions reports the closed date ( as result of a dispute ) as XX/XX/XXXX, which caused my XXXX  credit score to drop by 15 points as it is seen as a recent delinquency.
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.In accordance with the Fair Credit Reporting act.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the SCA Collections Collections Accounting # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) fit to inadequate customer and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Funds Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I contacted Discover several times via phone, chat, and email to investigate a possible identity theft that happened. They never investigated, never gave me temporary credits, never froze my account, and never helped me to take preventative action. This led to Discover sending additional and UNauthorized cards to addresses that I have never lived at. The fraud continued to happened and led to over {$10000.00} worth of fraud charges that I am still attempting to be reimbursed for from Discover. These were some of the first charges and if Discover would have taken action, a lot more could have been prevented. 

I have provided police reports, FTC identity theft reports, credit reporting reports, and my own personal expenses to hire experts to prove that my identity was stolen and fraud happened on my card. 

The initial charges in 2016, totaling {$580.00} over 18 charges that included spending in 4 states. 

XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$2.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX  {$3.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  {$38.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  {$7.00} XX/XX/16 XX/XX/16 XXXX XXXX - XXXX XXXX XXXX   {$28.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX   {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX {$27.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$28.00} XX/XX/16 XX/XX/16 XXXX  XXXX XXXX XXXX XXXX {$35.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX   XXXX XXXX XXXX {$170.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$25.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$25.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX   {$32.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX   {$33.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   {$71.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   {$5.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number:XXXX, Consumer Date of Birth : XX/XX/XXXX, Contest of Complaint : This CFPBComplaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) that you, the experian credit reporting agency, block information appearing on myconsumer credit report that is the result of identity theft and fraud with in 4 businessdays of youreceiving this complaint. This fraudulent, inaccurate, and false informationconsists ofa personal credit card account opened at XXXX XXXX on XX/XX/XXXX undertheaccount number ( XXXX ) an auto loan opened at XXXX XXXX on XXXX the account number ( XXXX ). Personal Credit card opened onXXXX on XX/XX/XXXX under the account number ( XXXX ) XXXXPersonalCredit Card opened at XXXXXXXX XXXX on XX/XX/XXXX under the accountnumber ( XXXX ), Personal Credit Card opened XXXXXXXX XXXX on XXXX the account number of ( XXXX ), Personal Credit Card openedatXXXX Card on XX/XX/XXXX under the account number ( XXXX ), Collectionaccount opened at XXXX XXXX  XXXX on XX/XX/XXXX under the accountnumber ( XXXX ), a collection account opened at XXXX XXXX XXXX on XXXX XXXX the account number ( XXXX ), a personal loan opened at XXXX XXXX  XXXX under the account number ( XXXX ), a collection XXXXXXXX XXXXopened on XX/XX/XXXX under the account number ( XXXX ). These accountshave resulted in several fraudulent hard inquiries and fraudulent collectionsappearing on my consumer FICO credit report. I've attached a list of the hardinquiries in question as well as a copy of a consumer FICO credit report maintainedby you which shows the aforementioned accounts, collections and hardinquiriesappearing on my consumer credit report maintained by you were notopened, madeor initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. i have attached a copy of FTCidentity theftCriminal Complaint # XXXX as proof from the US federal TradeCommission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

A local mortgage company, Lake Mortgage, advertises it 's current interest rates and products and APR in the local newspaper The XXXX mortgage rate monitor as well as their online ad XXXX. The problem I 've noticed for well over 1 year is the APR on FHA mortgages is nowhere near accurate and therefore deceptive. Currently as of XXXX/XXXX/16, they are advertising an FHA 30 year fixed rate of XXXX with an APR of XXXX. Due the the cost of mortgage insurance alone, I believe the APR is much higher than what is consistently being advertised.
Product: Debt collection

The debt collector is commerce Bank that was where the original card was I was authorized user It was not my card The company was made aware of this I sent the company a cease and desist back in XXXX XXXX XXXX The debt is more than a decade old I called them today on XXXX XX/XX/XXXX I spoke with the representative by the name of XXXX who told me that I should have never called the CfPB and reported their company that now they'll never take the dead off my credit that they will continue to ruin me they'll run my credit they'll run my business credit after I explain to her that I have a salon and this is hurting my financial standing and that this debt needs to be deleted that this violates my fair crediting act that this debt is over XXXX XXXX XXXX so it should have been deleted years ago that I don't owe anything on this debt it was never mine and that the debt needs to be deleted I was threatened and told that they will never take it off and they'll keep updating it and I should have never reported them to the CFPB and that people like me they destroy this is what this woman told me over the phone this morning I was disgusted by the phone call and returned when I hung up and called me back and continued to try to threaten me saying that they would ruin my credit and she was going to update my credit right now that it was sent to a lawyer and yes my credit was updated again and it was XXXX new negative remarks added to my credit This company has to be stopped and this debt has to be removed and deleted immediately!!!!
Product: Checking or savings account

On XX/XX/2020, I went to a few stores after receiving a deposit and having over {$2000.00} in my account. I was successful wit h those transactions but later that afternoon I was declined and locked out of my account. I called and received very bare and dry answers regarding why and when will my check be issued because I have to pay for child care and rent. The agent showed no empathy and the security team I was told would normally speak to customers but is refusing to be transferred to me. It caused me extreme XXXX and XXXX because we are in the middle of a pandemic and I will not be able to send my daughter to XXXX which will cause me to lose my spot and my job ultimately. My credit will now be effected because of me credit card being closed as well and they refuse to give me a time frame of when I should expect a check! I am completely broken and ready to give up on everything because my family livelihood is now in jeopardy and I have been a customer for years! I dont even know why it was closed but I am again broke, not sure how to may for daycare, bills, groceries and gas but they do not care about their customers. I need help figuring out a real time frame because I have to try to pray and beg not to be evicted or lose my spot in childcare. Citibank is the sole reason I will never trust 3rd parties with my hard earned income. Do not leave your money with this company at alllllllllllllll.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and it appears that XXXX  and Experian are not reporting any trade line history. Only XXXX  is reporting any credit history on my behalf. I have contacted both XXXX  and Experian and they can not find any identifying information on my behalf in their system. This is very concerning because there are fraudulently items being reported on my credit report by XXXX. I have attached a copy of my drivers license and social security card for reference. Please review my credit report and include credit history for both XXXX  and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had eighteen late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX Account number : XXXX Date opened : XXXX XXXX Last reported date : XX/XX/2019 Last active date : XX/XX/2019 XXXX
Product: Debt collection

they called XXXX XXXX time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on On XX/XX/XXXX and XX/XX/XXXX each time this company [ AMERICOLLECT INC ] add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX