23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments reported on my credit report for my Capital One Credit Card account.

I want you to know that I understand my financial obligations, and if it werent for unforeseen circumstances Id have an excellent repayment record. I made a mistake in falling behind, but since then Ive had a spotless record of on-time payments. 

Im planning to apply for apartment, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. 

Thank you for your consideration, and I hope youll approve my request. 

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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$990.00}
Product: Debt collection

The company calls me from XXXX to XXXX repeatedly non stop. I have told them I lost my Job several times and to take me off robo call. Also they were to relay the message in their notes. They still call me even after I make small payments though i dont have a job. The company also reported negative remarks on my credit even though i have been trying to make payments with no job and am totally compliant. I recently caught up on the payments and the next payment seems to be more than what I owe for the minimum. I payed up and they called me yet again non stop and filled up my cellphone mailbox the very next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item being reported fraudulently to my credit files with XXXX, XXXX and Transunion from XXXX. I have never opened an account with this company, ever much less made a deposit with them at any point in my life. This is an identity theft issue and I have disputed this several times with XXXX, XXXX, XXXX and Transunion, yet they continue to report this fraudulent item to my credit file. I have made each of them aware this is an identity theft issue, yet they continue to not only fail to remove the item, but they are violating Section 609 FCRA by not providing information required under Section 609 FCRA. ( See attached notice of Federal Trade Commission XXXX XXXX XXXX ). XXXX engaged in this very same misconduct and was eventually sued by The Federal Trade Commission for not complying, with Section 609 FCRA. Additionally, please find my specific request sent to each of the aforementioned parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report number XXXX I have notified Experian in my dispute letter that they are in violation per FCRA and FDCPA guidelines by reporting southern management system and XXXX XXXX XXXX on my credit report. These accounts are inaccurate and must remove for violation. 
I do not understand how its Experian opinion that these accounts are reporting accurate when I have notified them and shown proof base on my factual base dispute letter that they are in violation and the inaccurate accounts must be remove Experian get paid to report accurate and complete information, yet they are in violation per FCRA and FDCPA as they continue report such blatant inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth time disputing these accounts with the bureaus as well as the furnishers I am a victim of Identity theft and these accounts were not opened by me signed by me or approved by me. I have sent multiple letters from XXXX to no avail. I need this taken care of as soon as possible. 

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

My name is XXXX XXXX. I leave at XXXX XXXX XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX, I made a phone payment to XXXX/Comenity/Wayfair over the phone on the due date and their records show that the payment was given the day after. This is an error on their part because of covid we could not speak to a person and the website was not working to make a payment. I had to make the payment over the phone and it was recorded as late even though the payment was given on time. We need that removed from our credit immediately because it is an error on their system. If you look at our payments we have never been late. Please help us resolve this matter so we may buy a home. Thank you!
Product: Credit reporting or other personal consumer reports

I am in the process of buying a home ( close XX/XX/XXXX ) and out of nowhere with ZERO warning, my student loans all reported DELINQUENT on my credit report dropping my score from over XXXX to XXXX instantly. I have been in an economic hardship forebearance since XXXX and received ZERO notice that this program was ending and payments were due. My loans are serviced through NelNet ; they have not sent me an e-mail since XXXX, I have received no mail or telephone calls and they have been reporting my loans current every month up until this occured Friday XX/XX/XXXX. Now, not only will I lose the home I've already placed a deposit on, no one will rent to me with a XXXX XXXX of XXXX and I am facing homelessness with my XXXX XXXX  next month. I have tried to resolve the matter with Nelnet however for some odd reason their website is not allowing me to access/create and account and I can't reach anyone by phone.
Product: Debt collection

On XX/XX/2017 Midland Credit Management ( MCM ) contacted my husband at work at an inconvenient time for him to be getting a call. He calls back to inquire as to the purpose of the call and the representative he spoke to identified themselves as a debt collector and the purpose of the call was to collect a debt. 

The representative proceeded to tell my husband ( a 3rd party person ) the amount owed and how he was going to pay it. My husband told the man that he just broke a federal law and hung up. 

I called the company and authorized my husband to speak to them on my behalf just this once in regards to the debt. My husband called them back on his break and asked for a representative from the US and was placed on hold for over XXXX minutes and hung up as he had to get back to work. In XXXX minutes, MCM called him 2 more times while at work resulting in harassment. 

The following day, XX/XX/2017, MCM contacted my husband again in regards to the debt while at work. After my husband got off of work he called them back to verify if it was the same company. Another representative proceeded to tell my husband that it was an attempt to collect a debt and provided the amount owed. 

Twice in 2 days MCM has broken FDCPA law by speaking to a 3rd party about my debt owed and attempted to collect from him. FDCPA states that a debt collector may not discuss the debt with a 3rd party and can only call a 3rd party one time in order to locate the customer.
Product: Debt collection

This is regarding case XXXX. CFPB has closed the dispute despite the company Transunion ( I have written my feedback as XXXX by error ) had sent incorrect information and against extensive proof including the company to which collection was sent XXXX XXXX a subsidiary of XXXX who has reported the collection dismissed that collection as not owed as service was not provided and many times unusable and we should not owe any money. 

I believe the case was closed without opportunity to point the continued error of Transunion despite all facts showing otherwise - citing that the vendor says so, A CFPB associate I talked to before making complaint against TransUnion looked/listened to previous material sent as complaint against XXXX saw the extent of scam XXXX went to including the financial part that CFPB helps US citizens on and said though no action can be taken against XXXX, CFPB can get the credit agencies to remove the incorrect collection annotation in my credit report removed citing the extent XXXX did finance and service violations and harassments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is attorney XXXX XXXX XXXX, I contacted Bank of America to help with a pro bono case in which I 'm representing a relative who has experienced a financial hardship. Bank of America required that I file a power of attorney with the bank prior to discussing any of my client 's account information. Thus, I filed a power of attorney. 

It has now come to my attention that Bank of America has improperly added me without my consent as an authorized user on my client 's account in question ( XXXX ). I did not authorize and or provide my social security number, but was just alerted that the account in question is now appearing on my personal credit profile. I was just denied refinancing on my mortgage because of this unauthorized credit reporting by Bank of America. 

It is my opinion that Bank of America has violated the Fair Credit Reporting Act. I require that Bank of America immediately remove this information from my credit profile. It was explicitly clear in my power of attorney letter to Bank of America that I represented my client specifically as to the financial hardship with the purpose of resolving past due payments, and at no time did I request to be added as an authorized user. I believe Bank of America 's operational procedures are skewed and that one of the front line agent 's improperly added me as an authorized user and subsequently damaged my credit profile.

Again, my communication with Bank of America was very clear that I was ( 1 ) representing my client in attempt to resolve a financial hardship and ( 2 ) did not provide any consent to be added as an authorized user. I want to bring this to the attention of the CFPB, as I believe there are operational issues within this bank, that can lead to violations of the Fair Credit Reporting Act.
I will also be invoking any legal rights I may have in pursuing damages outside of this complaint process, not limited to but including litigation.
Product: Checking or savings account

This bank is just unable to do their work properly. I filed a dispute because I went to a gas station to get some gas for my vehicle. I requested an amount ( ~ {$10.00} ), but the merchant charged my card for {$30.00} instead ( I noticed it in their card reader where it desapeared very fast without asking if the amount was correct ; I think the young man in the cash register approved the amount on his side because he was not giving me a receipt, he did that very fast, he was defensive and agitated when I asked him why he charged me the wrong amount, and he refused to cancel it, so I obviously did not take the gas ). I have noticed that this is a common practice of some gas station merchants in XXXX, FL because they pretend they do not hear the correct amount customers request ( several times I have seen this and ), once they overcharge you, they will keep the receipt hoping you will not ask for it and therefore, you have no proof you were overcharged. I filed a dispute, explained all that to this TD Bank, I told them I called the merchant trying to resolve the issue with them and recorded the calls, but they didn't care and only said ''the merchant provided proof '' ... Basically they do not care about their customers issues, but they are always cooperating with those criminals. They never ask me or give me the opportunity to show my proof but always deny my claims. I will gather all the evidence I have to file a lawsuit because they do not comply with the laws.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 card

I need your agency help to dispute the charges on my American Express card done by XXXX XXXX XXXX. I was contacted by XXXX XXXX XXXX representatives initially on XXXX/XXXX/2015. They represented to me by phone and by email that they were located in Virginia and told me they had an extensive success record recovering money from each of the companies that I told them I had dealt with and very confident that they could win the cases with each one of them. Occasionally I had difficulty communicating with them, but eventually they always communicated successful results taking place in the process. Then I suddenly could not communicate with them at all. They left several cases partially represented and other cases got nowhere at all. The lack of complete follow through, communication, and assurance that all companies were properly brought cases against has cost me considerable time, energy, and money to try and rectify. I have since learned that they were not a Virginia firm, and that information was fraudulently represented to me. I have also noticed that with one of the companies in particular, that the paperwork- contract- they submitted to was tempered with, language changed, and misrepresented to the credit card company. This was an illegal representation of the truth, and as my representative compromises my personal and business integrity. I believe that their dishonesty, misrepresentations, and dropping of cases/lack of complete follow through may have cost me more than {$10000.00} of unresolved cases, specially because the older they get the more difficult it gets to get my money back. And I believe they strung me along, and now I would like to get my {$5600.00} refunded to me, since they did not provide the services that I paid for.
Product: Mortgage

Watermark XXXX made errors in the process of refinancing my loan that caused the excessive delays. On XXXX XXXX, they sent me an email telling me that our rate lock had expired and they were unable to get an extension so the loan would not be going forward. I asked the loan officer, XXXX XXXX, when the lock had expired and he told me it had expired on XXXX XXXX. According to the rate lock agreement which they drafted and signed, the rate lock was not to have expired until XXXX XXXX. They lied about the expiration date when they said the lock had expired. They took 24 days to provide XXXX documents they already had on hand to a third party lien holder simply because they lost track of the detail. I have the email chain from the third party documenting how long it took. When I asked about the delay, they lied and told me that the third party was causing the delay. Email documents that they did not cause the delay. They did not answer my multiple questions about when the loan would be closing. They did not inform me that I was at risk for losing my rate because they had not done the simple work they were required to do. Their failure to complete their work within the specified time resulted in the loss of a loan that was approximately .75 % lower than the current market. Multiple calls to the lender have been unable to resolve the problem and, to date, they have not even refunded my out of pocket costs. If they had done their job, the loan would have closed. They made serious errors and the result will potentially cost me many thousands of dollars over the life of the loan. An email and a call to the owner of the company have gone unanswered.
Product: Mortgage

I am a XXXX veteran with a VA rating 100 % since XXXX. I am exempt from paying property taxes on our home. 
We purchased a home in XX/XX/XXXX, securing a loan from my bank. I went to the XXXX XXXX XXXX XXXX ( XXXX  ) in XXXX to file for the tax exemption and was approved on XX/XX/XXXX. 
On XX/XX/XXXX, we had received a letter from Newrez LLC that our home loan was transferred to them and that we would be making payments to them starting in XX/XX/XXXX. I sent Newrez copies of the tax exemption letter and the original tax exemption application in XXXX. I called Newrez in XXXX asking if they had received the exemption and was told yes. I would receive a refund in XXXX of any monies paid for taxes. 
I called on XX/XX/XXXX asking for an update and was told that I would be receiving a refund in XXXX business days. I never received that refund. I called again on XX/XX/XXXX, and was told that it would take 30 days to process the request. I told them that they had 4 months to correct this and asked for a progress report. I was told that they could not provide me with any updates. All I received was XXXX letters stating that they are requesting additional time to process this. I am including both letters. 
At this time, I am owed several XXXX dollars, as I am still making payments for taxes in my escrow which is over {$9000.00}. I would like all my tax payments refunded and my loan payment adjusted to reflect the tax payments removed. Newrez is not responding.
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. 

THE FOLLOWING INFORMATION IS INACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX. 


Experian 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 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 my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3800.00}
Product: Credit reporting

1 Tax Lien XX/XX/2015 not mine XXXX Tax lien XX/XX/2015 not mine XXXX XXXX not mine XXXX Specialized Loan Home Equity not mine
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. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, Federal Student Loan ( Department of Education XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 64 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 items 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.