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

on XX/XX/XXXX family moved from XXXX to XXXX. told XXXX XXXX  XXXX ( account number XXXX ) to turn my service off on XX/XX/XXXX. XXXX sent me a bill charge me until XX/XX/XXXX. so i mail them back and forward to solve problem. once i got the right bill i paid XXXX. wrote XXXX a check through XXXX XXXX check number # XXXX amount of {$140.00} on XX/XX/XXXX and XXXX cashed the check on XX/XX/XXXX. i have bank statement and check show i paid XXXX XXXX XXXX and that that cashed to check. on my credit report it show charge-off which is inaccurate information. credit reporting agency are to show accurate information.this need to be removed from my credit report or change to show late payment. equifax is the only credit reporting agency showing this inaccurate information and needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I am a natural person, I am a living human being I have rights under 15 U.S.C 1681 Section 602 A.

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1692 B ( 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 15 U.S.C 1692 C 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 15 U.S.C 1681 Section 604 A Section 2 it also states 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 person knows or has reasonable calls to believe the information is inaccurate
Product: Credit reporting or other personal consumer reports

Remove the following account for improper use of my credit report.The collection account are showing a past due ammount and a complete payment historia. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have no knowledge of the following accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

RE ; CASE NO. XXXX ( XXXX XXXX deals } ( {$1600.00} ) I am writing to inform CFPB that Capital one bank has added back the disputed fraudulent double charge of {$1600.00} by XXXX XXXX XXXX, which was initially removed, back to my credit card. ( documents enclosed. ). Also, Capital one bank has refused to credit my account for the amount of {$910.00} that I have already paid to my credit card to bring my credit card balance to {$730.00} ; instead of the current balance of {$2900.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request for deletion of multiple inaccuracies on my credit report that are negatively impacting my creditworthiness and financial standing. The inaccurate information includes fraudulent items which I believe have been reported in error. I have attached copies of my credit reports from XXXX Credit Bureaus to this letter, highlighting the inaccuracies I am disputing. I wish to emphasize that these inaccuracies are damaging my financial reputation and are not a true reflection of my credit history. I have never lived at the addresses listed, nor have I ever authorized or consented to the inquiries from the entities mentioned above. Additionally, I dispute the items claims as I have made efforts to resolve these issues and have documentation to support my claims. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report within 30 days of receiving a dispute letter and to provide me with the results of your investigation. Therefore, I kindly request that you could help me remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Shows a late payment for the month of XX/XX/2017 when card has not even been activated.
Product: Mortgage

in XXXX of 2022, it became impossible for me to make my mortgage payments and I began missing the required monthly payment in XXXX. During this time I submitted many detailed requests to Wells Fargo asking they verify the contract, produce a wet ink signature contract, and provide a detailed accounting of the account each time they sent items that were not specific and detailed. They never provided a detailed accounting for me and many times stated invalid UCC codes or stood behind claims of proprietary information. I also provided them with a promissory note in XXXX and they refused this payment, but kept the note, not returning it or acting on its delivery. I have since borrowed some money and caught up on my delinquent payments. My account is in dispute and they have charged late fees, improperly damaged my credit at the reporting agencies, and not kept my information private and secure. I also pulled a XXXX XXXX with the XXXX XXXX XXXX XXXX in my name and can find no liens. How is it that Wells Fargo is reporting information about a mortgage account when no lien is filed with the XXXX XXXX XXXX? The actions of Wells Fargo acting in this manner and not following the ruling and procedures of the XXXX XXXX XXXX XXXX XXXX, Fair debt collections act, and XXXX have harmed me in a manner currently unimanagable.
Product: Credit reporting, credit repair services, or other personal consumer reports

on all credit agencies the same accounts are not mine and listed as mine. I was the victim of ID theft and the companies and credit agencies will not remove these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the reported delinquency regarding the XX/XX/XXXX payment that was reported as delinquent on loan, XXXX. 

I just spoke with XXXX XXXX XXXX XXXX XXXX XXXX representative, XXXX, regarding the delinquency that was reported to the credit bureaus. She read through the notes of the previous calls that I made to customer service. I called customer service in XXXX and XXXX of XXXX. During the initial calls, there was never any mention of a required payment before the mortgage payments were transferred to the new servicer XXXX XXXX XXXX XXXX XXXX. I was never made aware of the delinquency. I did however verbally complain, siting the same regulations, and have yet to have the correct made or receive an apology. 

My mortgage payments were initial setup through your company. When I received the notice of transfer, I went to the XXXX site and the account was already showing on the dashboard. The next payment was due XX/XX/XXXX. I have attached the transaction history and proof of payment on both loans to USB. I spoke with XXXX, customer service rep for XXXX, and he stated that both loans show an acquisition date of XX/XX/XXXX. Every payment since then has gone to XXXX. 

As you can see in the enclosed attachments, my first and second mortgage were initially servicing by XXXX. The first mortgage lists the delinquency. The second mortgage however does not show as delinquent. It lists that it was closed on XX/XX/XXXX and my last payment to XXXX was on XX/XX/XXXX. 

While reviewing my credit report on XX/XX/XXXX, I noticed the negative or adverse reporting made by XXXX. I immediately contact XXXX to dispute the incorrect reporting, and will be contacting the other 2 today, XX/XX/XXXX. I then contacted XXXX. There is no record of my previous complaint, nor was there a written response/resolution. 

I closed on my home on XX/XX/XXXX. My first payment for account XXXX, was due XX/XX/XXXX. I made XXXX payment to XXXX : {$920.00} first mortgage {$84.00} second mortgage web payment from XXXX to XXXX XX/XX/XXXX. The enclosure from XXXX  shows that XXXX reported XXXX XXXX as delinquent on XX/XX/XXXX. I would love to know how and why, XXXX is reporting XXXX, XXXX, and XXXX as Pays as XXXX. And then shows delinquent on XXXX payment. Especially when the account for XXXX, XXXX  shows Pays as XXXX. I received a notice of transfer and all subsequent payments have been made to XXXX : {$920.00} first mortgage {$84.00} second mortgage web payment from XXXX to XXXX XX/XX/XXXX. 

The following regulations have been violated : FCRA, RESPA, FDCPA, TILA, & UDAAP. By the end of the day I will submit disputes with all three credit bureaus. I have also contacted Results Mortgage to let them know about their 3rd party vendor. Perhaps they will be reviewing their contract with XXXX.
Product: Debt collection

I have repeatedly tried to settle this debt to have it deleted off of my reports with all three credit bureaus but enhanced recovery service refuses to do so. The debt is for {$78.00} and I am willing and able to pay {$50.00} immediately to have this debt settled and removed. Acceptance of this settlement will stop all further collection activity. Failure to respond I will assume that you do not agree on the settlement. 

Enhanced recovery service has failed to send me any validation of this debt to show proof that it is mine. Nor did they notify me before reporting this negative account to my reports.
Product: Money transfer, virtual currency, or money service

My IRS refund amount of {$3100.00} aginst IRS return of XXXX  went to someone else bank account of wellsfargo bank and wellsfargo bank is not helping me to get this refund amount back. 


OnXX/XX/XXXXIRS issued a letter 150.1, after following up with IRS for almost 3-4 months with the help of Congress Man Mr. XXXX XXXX of XXXX County here in Texas. 

The letter 150.1 candidly shows that the amount of {$3100.00} went to the wrong account number, even then our name is mentioned there ( XXXX XXXX XXXX XXXX ). 

I had a personal meeting with BM of wells Fargo Bank in XXXX, TX and I have provided him the 150.1 letters. I also wrote an email to the BM and I have not got any reply on this.
Product: Debt collection

Debt was paid immediately .... I signed for, y sister on a bankruptcy and was help liable for her debt. I satisfied this debt as soon as I was made knowledgable
Product: Credit card or prepaid card

Hello, I was attempting to apply for a BBVA US Credit Card under a promotion I received in the mail ( Reservation Code : XXXX ) but before I could go further I was denied because I am not a US Citizen, but a XXXX XXXX. I was appalled by this as I initially received this in the mail, addressed to me XXXX XXXX as I currently bank with BBVA.
Product: Debt collection

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion and XXXX list the account as " Charge-off '' with a balance of {$16000.00}, but there is no explanation for this status. 
o The payment history does not show late payments leading up to the charge-off. 
2. Inconsistent Reporting Across Bureaus : o XXXX : Provides no data for this account, resulting in an incomplete report across all bureaus.

3. Future Reporting Dates : o Last Reported : TransUnion and XXXX report a " Last Reported '' date of XX/XX/XXXX, which is a future date and violates the FCRA 's timeliness requirements. 
4. Resolution of Consumer Disputes : o Both bureaus mention a prior dispute with comments such as " Dispute resolved reported by grantor '' ( TransUnion ) and " Account previously in dispute now resolved '' ( XXXX ), but no resolution details are provided. 
5. High Credit vs. Balance Discrepancy : o High Credit : {$27000.00}. 
o Balance : {$16000.00}. 
o While this discrepancy may not be inaccurate, it requires clarification. 
6. Date Last Payment vs. Date Last Active : o Date Last Payment : Listed as XX/XX/XXXXXXXX 
o Date Last Active : Listed as XX/XX/XXXX. The date discrepancy requires correction or clarification. 

XXXX XXXX Basis for Dispute XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 
XXXX. XXXX of XXXX ( XXXX XXXX. XXXX ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 
XXXX. Re-Aging of XXXX ( XXXX XXXX. XXXX ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off XXXX appear on my credit report longer than the allowed 7 years. 
XXXX. Validation of Debt ( Fair Debt Collection Practices Act, XXXX XXXX. XXXX ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 my 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 in ( MONTHS REPORTING LATE ) 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 XXXX, XXXX XXXX XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section XXXX ( 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!
Product: Debt collection

I am getting repeat calls everyday sometimes up to 3 times a day from midland credit. They call me everyday XXXX XXXX XXXX, even though I have asked then to stop calling at that time and, to stop contacting me all together. They do not stop. It has been months. I have a XXXX XXXX  and their calls disrupt our sleep.
Product: Credit card or prepaid card

Sears Credit card ( owned by Citi Bank ) has failed to provide XX/XX/2021 statement. 
I have requested several times of XX/XX/2021 credit card statement, Sears replied it sent out the monthly statement in XX/XX/2021, however, I haven't received it. Then, it tells me that it would send out another copy on XX/XX/2021. I still haven't received the statement.
Product: Debt collection

This collection company never contacted me direct at first. They contacted my sisters, my nieces and nephews. When I contacted them they were rude and extremely aggressive. My personal information was also passed along to my family members. My sisters were told that I am in major trouble and that I owe a lot of money to people and that a lawsuit was filed against me and that they needed to tell me to contact the company right away or I would be served and prosecuted. They stated that they had a process server on the way to my place of employment at serve me legal documents because legal action had been taken against me. They said the only way to stop a lawsuit and place the process server on hold was to make payments to them directly and immediately. They continually called my sister, my nieces and my nephews on their personal cell phones and at their places of employment even after being told to stop harassing them and to not contact them. After they were told not to contact them again the company called back another 6-7 times back to back. I myself have had the same issue. They called at least 10-15 times a day and even when I did answer they threaten me with a lawsuit and became aggressive using scare tactics to get me to provide them with my banking information.
Product: Credit card

PLEASE REFER TO ORIGINAL CLAIM # XXXX : Update to the original claim. 

I spoke with a fraud representative in the month of XX/XX/XXXX who connected with both her immediate supervisor and the security department to attempt to resolve the issue of reactivating my card for use and having the fraud claim reevaluated. When the rep spoke with the various department supervisors she advised that security has informed her that the claim could not be approved because the charges made was beyond the 60 days XXXX would accept to fraudulent claims. In the same conversation, she did also mention that both her supervisor and security department agreed to have my credit card reactivated for use and I could pay down the balance. I agreed to this term. She then stated that she would make very detailed notes on my account and all I needed to do was speak with XXXX XXXX to have a new card opened. 
The fraud department issued a credit of $ XXXX for the fraudulent charges they could process. 
On XX/XX/XXXX I spoke to a representative in card services who then advised that it was nothing that her department could do after the card had been closed. She shared to not reapply for another card but have the credit committee evaluate the entire situation and get the card reopened. 
I have made numerous of attempts to get this matter resolved. This situation and fraudulent activities has destroyed my credit and relationship with Navy FCU. I have provided Navy FCU with all the evidence to show merit that it was impossible for me to use my credit card while I was XXXX 
Where we stand now is Navy Federal Credit Union ( to my belief ) is racially profiling me and my situation. All other loans with this creditor I have paid on time with no issues. I was told a new card would be mailed, my account would be reactivated and in use. But as of today, I have not received a new card, the $ XXXX credit that was given has been reversed and every time I ask to speak with someone in leadership ( executive team ) I am either ignored or advised " someone will call me back ''. It is very disappointing to know that my banking relationship with NFCU is being tarnished because I am a minority. I am disappointed!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a XXXX day late on my credit for XX/XX/XXXXand XX/XX/XXXX I have asked them to be remove and it still has not been done yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to Conns XXXX XXXX in XX/XX/2020 to shop around. Considered getting a few items but ended up not purchasing anything. But in the process, while discussing their terms for products, a sales associate used my information that was previously stored in their computer from years prior to run my credit report. 

He didn't ask me to run it again, nor did I provide my SSN that day. I guess he was just clicking through and assumed he could just run the credit without asking. So now I have these 2 hard inquiries bringing my score down without even purchasing anything from this store.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA. Specifically, Cash App filed 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 requirement un the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress foe these violation.
Product: Credit reporting or other personal consumer reports

The following inquiries are on my XXXX credit report, and were not authorized by me. 
XXXX navy federal XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX