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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. U S DEPT OF EDXXXX account XXXX XXXX OFFICE OF THE ATTY GEN account # XXXX have all 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a huge step in the right direction but there still exist major flaws in the proposed course of action. First, the final loan assumption was XXXX 2014 ; this is the date when I officially assumed legal responsibility of the loan. Second, the response does n't even address the false reporting of delinquencies. It appears to me that XXXX XXXX XXXX is just glossing over the matter of false reporting delinquencies. That is the main issue I have with my credit report now. As the financial records prove I was never delinquent on this account. The matter is n't even addressed in the response from XXXX XXXX XXXX  because they want to change the narrative. Third, how the loan is reported is n't in accordance with the contract I signed. The contract clearly states " the loan will be reported as Modified '' and not modified under a government program. If CFPB could please get an updated letter addressing the false reporting of delinquencies that would be great. As I 've shown through proof of payment and legal assumption of the loan, all delinquencies were discharged and not passed onto me upon assumption. This needs to be corrected ASAP. I 've provided all the necessary proof validating my position is correct. As I 've dealt with this company over the years I 've learned that they will pull out all the stops to XXXX you over. In my opinion, this is just another stall tactic in hopes that I 'll accept this but I 'm not. My good credit history is all I have and they 're not going to take that away from me. Please assist me in getting this corrected. If this dispute could be reopened I would greatly appreciate it. If XXXX XXXX XXXX refuses to correct the errors then I 'll have no choice but to seek legal recourse. As outlined in the assumption I 've attempted every option other than legal action. Please assist me in making one final attempt to get this matter corrected and effectively resolved. Thanks for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reported the theft of my identity of federal trade commission and i also have enclosed copies of the federal trade commission identity theft affidavit. please delete the items as soon as possible
Product: Credit reporting or other personal consumer reports

I am reporting identity theft because I discovered unauthorized activity involving my personal information. specifically, Unauthorized charges a other issues. This activity came to my attention on XX/XX/2023 when I discovered something on my credit report, contacted by a creditor, and received a bill. i have reason to believe this occurred due to data breach. I have noy authorized anyone to use my personal information, and I have taken immediate steps to secure my accounts and identity, such as contacting financial institutions and placing a fraud alert on my credit report. I requesting assistance in resolving this matter and preventing further misuse of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 there was a credit inquiry form XXXX. XXXX XXXX that was not mine. I called XXXX XXXX XXXX and spoke to someone who was suppose to investigate and remove this from my credit report.
Product: Payday loan

I inquired about the loan after receiving a letter in the mailast. I applied for the loan and was approved for {$900.00}, but only took {$550.00}. I was told that I had a small finance charge. I was not able to see the paperwork until after the funds were deposited into my account. I called and actually did not accept or sign anything initially, but funds were deposited. I thought that was how it worked. However, after I received the funds I read the paperwork and that 's when I discovered that over the next two years I will pay {$2400.00} or more for borrowing {$550.00}. I asked about it and was told that if I paid it off early it would be {$750.00}. Which is reasonable, but that was only if I paid it off by the first payment. I have been trying to gethe them to reduce the interest charges, but they will not do anything about it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Product: Credit card

I have a credit card through Citizens Bank with a payment due date of th the XXXX of each month. Since XXXX 2015, I submitted my payment at the a branch location on or before the due date. However, the bank assessed a late fee for the following months : XXXX, XXXX, XXXX, and XXXX, on the actual due date. A day or two later, the late fee was taken off my account, but XXXX wonders if the bank is collecting any type of interest for the day or XXXX that it assessed the fee. 
Furthermore, the payment is clearly due " on or before XXXX. 
on the XXXX, '' which begs the question as to why the bank is assessing a late fee on the due date? I feel that the bank is assessing late fees on accounts that are not actually late and is benefitting by having the day or XXXX to accrue interest or other monetary gains on accounts that are are not truly late or in arrears.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Product: Debt collection

I had applied in XX/XX/XXXX for a online loan with XXXX XXXX and from that point I been paying XXXX a month contantly and they had a lawsuit i wasnt aware of and they transfer to cash call and then to XXXX XXXX. I use to be able go online check how much i owed and now there is no website to be found and they send my information to many different people to collect they want me to get a debit visa card or go to the bank and will not mail me information about my debt which i thought i was done paying and it show delbert service on my credit report. and this person from oracle financial keep calling and want me to pay the debt i ask if they can mail me the information he stated i owed XXXX something and on my credit report show XXXX and i was supposed be done with payment for western sky in XX/XX/XXXX. then they was involved with XXXX and who called from XXXX and i just want to pay on it in legal way instead they direct me with no paper work on what i really owed
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Logged in on my wife 's phone under my account. Accused of breaking terms and agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 3 months I have tried to have a fraudulent account that was placed on my Equifax credit report removed, but I am getting nothing but pushback from Equifax. I have supplied them with a certified police report and the account from XXXX XXXX XXXX/ XXXX remains. This is very disturbing because the account was not originated by me and has weaken my chances to get a loan that I need.
Product: Credit card or prepaid card

This is in regards to a refund on our cancelled flight .We called XXXX XXXX at XXXX ( XXXX time ) and was on hold for a long time and have to hang up.Called again on XXXX XXXX at around XXXX and spoke to a representative who said she's connecting me to travel dept., was on hold for the rep for over an hour and the call dropped.Called on XXXX at XXXX US time and spoke to XXXX   who suggested to call back at XXXX Eastern time ( XXXX XXXX  CA time ) the next day. On XX/XX/XXXX, spoke to XXXX who cancelled the flight and told us that the money will be refunded back to original form of payment w/c is my US Bank flexperks travel rewards card. XXXX XXXX, talked to XXXX who said that the flight was already cancelled and to wait for 1-2 billing cycles to get the partial refund .XXXX  XXXX talked to XXXX who said it's still awaiting for the airline to give the refund.XXXX  XXXX talked to XXXX who said to wait another 4-6 weeks for the refund. XXXX XXXX talked to the supervisor, XXXX with ID # XXXX who did some updates and reporting on the computer on this issue. We told her that we are filing a complaint on this case because it's been almost 5 months and their representatives has been giving us different reassurances /info every time we called. It's been 5 days since our last conversation and no email or any sort of response hence we file this complaint. 
Thank you for your help and kind consideration on our behalf.
Product: Debt collection

Collection : RENT RECOVERY SOLUTIONS , LLC , Is completely fraudulent. The date of first delinquency is crazy! I researched that contacted the company XXXX XXXX XXXX XXXX XXXX and found that the company does not even have a record of me at that address. This company is either purchasing fraudulent debt or fabricating debt to target peoples credit files to extort them of money. This company tried this a few years ago and it was deleted. Now from all of a sudden you XXXX are the only credit company that is again adding this XXXXXXXX  to my credit report. 

I purchased a house in XXXX XXXX ( XXXX XXXX ) in the middle of that year. I never stayed in an apartment and arrived in XXXX area in XXXX to search for a house, not XXXX! We stayed in a hotel! 

Please see the attached home purchase contract. This is very wrong and abusive what XXXX has done here. This is not accurate, fair, nor correct. You all have damaged my life and health in a very real way and you are putting me and my baby at risk of being homeless and you have prevented me from getting the funds I need to treat my life threatening illness! 

FCRA and FDCPA says that a credit collection company can not collect in a state that it does not operate in. Rent Recovery is not in Texas! Its a violation and this must be deleted! 

Rent Recovery must stop purchasing fraudulent debt and bullying people they have the most complaints against them in the industry because they are horrible predators. 

I ask you XXXX to provide details steps and explanation about how you verified this account? You have been asked before and could not, because you are not doing investigation you just allow this monster of a company to prey on consumers. 

If this account is not deleted both XXXX and Rent Recovery will be sued for violations and I will seek damages. 

See my birth certificate and my signature sample. You all will be held accountable for the suffering me and my child have endured! Comply with the law and remove this inaccurate fraudulent account immediately.
Product: Credit card

Wells Fargo Bank has allegedly engaged in malicious competitive practices by disabling the external repayment functionality of my external repayment bank. Despite numerous attempts to contact and multiple complaints lodged, the issue remains unresolved. 

The matter revolves around Wells Fargo Banks purported interference with the external repayment mechanism, which directly affects my ability to manage repayments efficiently and conveniently. Despite repeated efforts to resolve the issue through communication and complaint channels, Wells Fargo Bank has failed to provide satisfactory solutions or even acknowledge the severity of the situation. 

This alleged behavior raises serious concerns about Wells Fargo Banks commitment to fair competition and customer service standards. Disabling essential repayment functionalities not only inconveniences customers but also undermines trust in the banking system. 

As a concerned individual, I urge Wells Fargo Bank to address this matter promptly and transparently, ensuring the restoration of external repayment functionality and providing assurances against future instances of similar competitive practices. Failure to do so may result in further escalation of this issue and potential legal recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a company that is being dissolved on XX/XX/2022, has no one in their offices that can handle any disputes because it is basically going out of business. My issues as it stands is, I had a defaulted student loan, which I have now rehabilitated and is now with a new servicers XXXX. The US Department of education has fixed or removed all bad reportings on my credit reports, except for XXXX XXXX my original servicers who told me that once I rehabilitated my defaulted student loan that the account would either be removed from all three Credit Bureaus or reflect a good standing, so that I would be eligible for applying for student loans again. When I applied for student loan financing through XXXX XXXX is how I discovered that XXXX XXXX still wasn't reflecting a good standing like the other Servicers. As of XXXX XXXX, of XXXX  they Removed the XXXX XXXX Account from XXXX, and XXXX, but they have not removed the account from Transunion. See Attached.
Product: Credit reporting or other personal consumer reports

This is about the SIX complaint for the listed credit bureaus failing to properly investigate and or correct or delete the factual inaccurate and incomplete data being listed on my consumer credit reports. The data across all 3 major credit bureau reports are mismatched, dofferent to include different dates of last activity, dofferent payment status on alledged charge off accounts. Alledged charge off account is listing as a collection account so which one is it? A charge off? Or collection account? Some list a term limit as a term limit is an agreed upon term to pay back a debt. I dispute this debt, it was never properly verified and validated. 

Data furnishing company is being allowed to list 3 different dates of last activity. The date of last activity being updated makes the alledged account appear to be new and reaging the account for the common purpose of further hurting a consumers credit score. 

Additionally the account is listing late payments of 120 days and being allowed to do so by the credit bureaus, however on 2 other reports it is incomplete and blank. 

I am now requesting {$1000.00} for the repeated and clear violations of the FCRA as well as the other violations ofbthe federal laws and standards for 1. Allowing factual inaccuracies to be reported and inconsistent across all 3 credit bureaus. 2. the credit bureaus for failing to properly investigate and correct and or delete the factual inaccuracies. How can it be accurate reporting different information on all 3 credit bureaus?

This is outrages, irresponsible, and clear numerous violations to ensure the consumer rights
Product: Credit reporting or other personal consumer reports

I contacted Equifax on XX/XX/XXXX, to ask why my credit report was not showing my creditors, ( XXXX XXXX XXXX XXXX ). I was told to reach out to the creditors, and I did. XXXX did an investigation in XX/XX/XXXX, about reporting to Equifax. XXXX XXXX also did an investigation in XX/XX/XXXX, that shows that they are reporting to Equifax as well. Since XX/XX/XXXX, I have received a letter from XXXX XXXX XXXX XXXX both stating that my credit file has been verified and confirmed that it is being reported to Equifax. 
From XX/XX/XXXX - XX/XX/XXXX, I have communicated with my creditors, XXXXXXXX XXXX XXXX XXXX, and Equifax trying to get a resolution to this issue. 

XXXX months, later I was told on XX/XX/XXXX, by an Equifax agent that my credit file was blocked, and I needed to verify my identity. I was transferred to an Equifax supervisor on same call, on XX/XX/XXXX and was told that I didn't have an identity block and disregard that information the agent told me. 

I called Equifax back on XX/XX/XXXX and was transferred to a supervisor who told me that there was nothing they can do because my information was verified and correct and she didn't know what to tell me but to wait a couple of weeks and see if the accounts show on my Equifax report or I could reach out to the creditor again and tell them to call Equifax ( XXXX ) to confirm my information or account.
Product: Credit card or prepaid card

We have been charged interest on our XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX, statement even though we have paid our bills in full before the due date every time. I have called at least 6 times alerting them to this issue usually spending over an hour on the phone each time. They have verified each time that the interest charges are not legitimate. They have credited me all but the last statement in XXXX and I have called 4 times regarding this bill alone. I have asked that a supervisor call me back on at least 4 occasions, to let me know the problem is resolved, and no one has returned a call. I have alerted them on the last two calls that I have no choice but to report them as they are aware of these interest charges they are fraudulently applying to my credit card and are doing nothing to resolve the issue and that if I am experiencing this issue it is likely other card holders are too. They refuse to give me anyone 's number to call so I have to go back to XXXX one each time I call.
Product: Money transfer, virtual currency, or money service

I received an email from someone impersonating my boss at work on XX/XX/2020 and the email was sent to my work email. My boss ' information had been compromised and I was sending money under false pretenses. He requested my help with sending money to a vendor via Cash app and stated that I would be reimbursed afterwards. His email had the name of my boss and he had a photo of my boss in the email. I have email correspondence that I can provide to prove that this was impersonation. I believe there were multiple people involved as I was requested to send money to two different people. I filed a dispute to my bank ( XXXX ) and now it is under investigation. I emailed CashApp and they denied my request as they are unable to refund " completed '' transactions. I sent someone named XXXX XXXX {$1700.00}. CashApp told me I should file for fraud under my bank but I would like CashApp to cooperate with the fraud investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  these accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has all 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 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

On XX/XX/year>, I requested from Wells Fargo proof of the Debt by mail with a certified return receipt. My request was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB response indicates that the response will outline the steps taken to resolve, and/or address my complaint. The attached response along with my initial detailed complaint is unsatisfactory and doesn't provide any details regarding what steps were taken to resolve only that I would receive something in the mail. Please provide details in agreement with the disclosure on the CFPB site. See attached. Completely unsatisfactory. Please provide details and when I can expect to receive payment based on violations to prevent further escalation
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I have discovered erroneous information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.
Product: Credit card or prepaid card

I made a payment of {$4200.00} to CapitalOne to pay off my charge card nearly 3 months ago. CapitalOne can not find the check in their system. However, I have confirmed with my bank that CapitalOne cashed the check. I have called nearly every day for the past many months and get no where closer to a resolution. The issuing bank gave me a " affidavit of forgery '' document which they need CapitalOne to complete. The issuing bank can not proceed with its investigation until this document is completed by CapitalOne. CapitalOne refuses to complete this document. In the meantime, my credit is destroyed and I am out {$4200.00}. No one will help!
Product: Credit card or prepaid card

In addition to attempt to communicate an issue to someone whom barely speaks you language with television and or radio in the background. 
Please see attached files.