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

I have a CLOSED credit account at XXXX XXXX which is disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my Experian, XXXX and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my XXXX account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not report correctly. I did pay XXXX XXXX XXXX on time in XXXX. The report of payment is not even on the credit report. 
First pic shows empty payment of XXXX. I did pay on time! 

XXXX also did not show report on Wells Fargo Auto. I also did pay on time. Last pics are of Wells Fargo Auto report. 

XXXX  scored me as XXXX but then lowered my score to XXXX. 7pts loss. You will see pics of 3 scores of different dates. Why?! Also, I d not dispute with XXXX as they require me to call. It s XXXX using interpreter due to unclear screen. Best is to be dibe thru online. XXXX has online but seems always require me to call. They are NOT ACCOMMODATING to XXXX people or XXXX people properly.
Product: Debt collection

1 ) The phone number given was never provided to either the Credit Card company and certainly not the collection agency and therefore should not be used. 

2 ) They have called at all times of the night including at XXXX and XXXX in my timezone ( I am not in the USA ).
Product: Checking or savings account

The bank is Wells Fargo business account. 
they have an unauthorized overdraft fee of {$35.00} per transaction if an overdraft is not cleard by end of the workday. 

late on the night of XX/XX/year> between XXXX and XXXX ( XXXX ) I did my daily check to be sure my balance was positive. The screen in my wells fargo on line account showed I was possitive by {$70.00} I woke up in the morning to do my daily check in of my account and saw a negative balance of {$250.00} dollars- {$70.00} of which were two {$35.00} overdraft fees. 
On the XXXX I had numerous other funds process with sufficient funds just those two stayed pending- on the XXXX I moved funds over to bring the account positive. 

When I questioned Wells Fargo as to why I was not given the day of the XXXX to transfer funds and avoid the {$70.00} overdraft fee - I was told that those 2 charges were pending since since the XXXX and I should have seen or known they would charge to my account. I admit that if I had seen they were pending I would have moved funds over. However the view that Wells fargo gave me of my account was that it was positive {$70.00} and was not overdrawn. 

my complaint is that it is unethical banking practice and should be illegal that they can process pending funds after hours ( we are talking at least XXXX ) and charge a fee on an account that same day. 

This has happened numerous times with this bank and I could not quite figure out what happened. This time because I checked my balance so late and it said it was positive and then I checked again first thing in the morning I realized what they are doing. 

I feel this warrants an investigation into Wells Fargo 's overdraft proceedures.
Product: Credit reporting or other personal consumer reports

Capital One has now reported incorrect information to the credit bureau ( 3 ) times and each time, my credit score has dropped XXXX points. The first time was early last year. It happened again last month- I noticed at the end of XXXX that Capital One reported a balance of {$3600.00} to the credit bureau despite my last statement at the time being only {$1200.00} ( XXXX statement ). I have been with Capital One since XX/XX/XXXX and {$1400.00} is the highest my statement has EVER been. I contacted Capital One about this to see where they got this arbitrary number of {$3600.00} and the representative said he had no idea and to dispute it. To dispute through Capital One, you have to mail a letter with your name, account number, SSN, DOB, and address and I was not comfortable doing that so disputed through the credit bureau. The dispute came back on XX/XX/XXXX as completed and it looks as though Capital One reported a new arbitrary number of $ XXXX again, my balance has never been this high. My XXXX statement was out by the time this dispute was underway and it is only {$1400.00}. And again, my credit score dropped XXXX points because of the balance reported. 

In summary, Capital One has consistently reported incorrect balance statements to the credit bureau resulting in a significant drop in my credit score. When I contact them about it, they can't tell me why these numbers are reported because they don't see any statements matching the amount. When I tried to dispute it through XXXX, Capital One then reported another false balance statement amount, resulting in another drop to my credit score.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX has violated my rights. I looked at my Transunion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed 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 ( i ) 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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: Mortgage

my name is XXXX XXXX. I am a XXXX person on Soc. Sec. I have placed complaints before on Ocwen Loan servicing LLC. All payments have been on time for 13 years. 
I have a XX/XX/XXXX Loan Modification for which I presented hardship. my Loan has a no prepayment penalty clause. This matter was placed before the XXXX Superior Court which ruled Ovcwen to be in breach and violations. In XX/XX/XXXX settled. Ocwen had me assume a forgiven {$120000.00}. upon payments difficulties I contacted Ocwen and their attorney for which I sent you response on last complaint. See enclosed documents showing specific clauses quoted by Ocwen ; s attorney and manner by which payments were to be made on loan. Please note specifics that for any references in the future there was no need but to follow payment of UPB then make payments to deferred principal thereafter which I have made for over a year. please note I am on a food program in order to send Ocwen my entire Soc. Sec. check. Ocwen in stead began placing loan in red although I sent them all my family 's savings as there are several of us XXXX in the home. several checks were sent of {$28000.00} {$12000.00} and numerous {$1600.00} and {$1500.00} totalling about {$100000.00} dollars in the last year, loan account is still in red, and recently a un-requested charged appraisal was made with request to refund. none to date. ocwen informed me in XX/XX/XXXX payments sent will no longer be accepted as they want me to pay total deferred amount which I can not. please see XX/XX/XXXX mod. and no prepayment penalty statement. after a year making payments to deferred principal for this loan. please note I suffered a XXXX XXXX and two XXXX and uncontrolble XXXX which I advised Ocwen about due to Ocwen actions. thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the balance on my XXXX XXXX account, as I believe the current balance does not accurately reflect my loan history. After reviewing my account statements, I have identified a discrepancy that I believe requires correction. Per the XXXX website it says as of XXXX XXXX I have a balance of {$250.00} as of XXXX XXXX, but Experian is reporting that I owe {$1400.00}.
Product: Debt collection

I pulled up my credit report on XX/XX/XXXX in I noticed an account from Midland credit management- XXXX. I have never entered into a consumer credit transaction with this company. I asked for proof that I owe this company this alleged debt, I never received anything from them. I also noticed that the start date for this account is XX/XX/XXXX which makes no sense because I never got a chance to dispute this alleged debt before it being furnished on my consumer report. If the company can not provide sufficient evidence and the method of verification for the account then it should not be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian regarding accounts that were reporting wrong on my credit file and they did a investigation and returned with an answer that the items were included in a bankruptcy. Those accounts were updated as follows : XXXX/ XXXX included in bankruptcy XX/XX/XXXX, XXXX XXXX XXXX included in bankruptcy XX/XX/XXXX, XXXX XXXX  included in bankruptcy XX/XX/XXXX, XXXX XXXX included in bankruptcy on XX/XX/XXXX. All of these dates are incorrect and reporting wrong on my account. I called on XX/XX/XXXX and the rep stated that this information has come back verified and there is nothing that they can do about. From the various dates I can see that this information is not correct. I also went to dispute a number of inquiries that showed on my account and was told that I can dispute inquiries and to contact each company separately. These inquiries do not belong to me and should be deleted. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XX/XX/XXXX,   XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. I told them that only inquires made by me should be reporting on my account. They then put a fraud alert on my credit report on XX/XX/XXXX I asked that they remove that from account and they did stating that another bureau reported the information I called the other two bureaus and they stated there was no fraud alert. Experian did remove the fraud alert but have failed to remove these items that they are reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX  XXXX {$450.00} XX/XX/2016
Product: Payday loan, title loan, or personal loan

I, as a federally protected consumer, I have reached out to One Main Financial via certified mail requesting information in which I have yet to receive the actual information and documents in which I have requested. The certified mail is posted as received on XX/XX/2022 @ XXXX am.
Product: Credit reporting, credit repair services, or other personal consumer reports

all of my NON PUBLIC PERSONAL imformation is being spread around with all the credit reporting companies without my authorization or permission!!?? XXXX XXXX XXXX, XXXX card, XXXX XXXX Bank, XXXX XXXX, XXXX XXXX bank, XXXX credit which is a complete Fraud along with XXXX funding, to begin I never authorized my payment history my personal banking history and certainly not to these fraud companies I never had a relationship with them let alone authorized them to publish my personal non public history or a fraud collection!!!!! 5 USC 552 a " It is illegal to report ( TRANSACTION HISTORY16 CFR 313.10 I am exercising my right opting out of any and all authorization I the consumer may have given to any bank or person written or non written, verbally or non verbally effective immediately and indefinitely in conjunction with 15 USC 6802 ( a ) ( b ) ( c ) all information inquiries and payment history be removed at once no authorization was ever given
Product: Checking or savings account

Bank OZK uses bill pay for online payment options. The bill pay service states that they guarantee payment. I was contacted by the vendor stating payment was not received from bill pay. I contacted bill pay on XXXX occasions with no response. On the third contact they stated that in order to reissue payment I must stop payment but there is a XXXX XXXX dollar fee to stop payment on a check they were to issue and which they failed to deliver. this seems like an inappropriate fee for a bank that guarantees payment
Product: Debt collection

Since all effort to resolve the issue on this account has not been responded to I hereby request for the details and the information of the person in your company to send the law suit to resolve this issue in court. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

I request you to provide me the address of the person to send the law suit to be in court in my county. At this time, the court has to determine whether you're in violations or not. 

Please provide me the name and address of who to send the court paper work to. Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$1500.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this accounts removed upon completion. 

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

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
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 remove late payments XXXX. XXXX XXXX XXXX XXXX XXXX remove the account and the 30 days late XXXX. XXXX XXXX XXXX XXXX Remove account XXXX. XXXX XXXX XXXX XXXX remove the account XXXX. XXXX XXXX Remove account, not in collections XXXX. XXXX XXXX XXXX Remove account should not be on the report XXXX. Experian XXXX shield remove from mortgage report and all credit reports XXXX. XXXX XXXX XXXX XXXX XXXX  removes any remarks XXXX. Remove all addresses that are not XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. Remove all names that are not XXXX XXXX XXXX XXXX. Remove my social security from all reports XXXX. Remove all inquiries from my credit report I did not approve XXXX. Remove all XXXX XXXX or late payments from all accounts that apply XXXX. Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove account all late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. Remove XXXX XXXX XXXX XXXX  XXXX. Remove all closed accounts from all reports 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 or other personal consumer reports

After receiving a copy of my XXXX consumer report, I noticed incomplete and unverifiable information. Please modify this information to complete and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to Equifax to ensure compliance on 2 items on my credit report. On XX/XX/XXXX I sent a dispute to Equifax for an error of an item reporting as two different companies and as a past due balance on a collection account in which a collection can not also be past due. On XX/XX/XXXX I received a response stating the items from XX/XX/XXXX were updated or remains. On XX/XX/XXXX I received a response stating the items from XX/XX/XXXX were updated or remains. On XX/XX/XXXX I faxed a request to Equifax asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Equifax in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). I received new " dispute results '' dated XX/XX/XXXX from Equifax just stating all 4 items remain or were updated so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Equifax did not comply with this request within the time frame allotted they need to delete the disputed accounts.
Product: Debt collection

Hello, I am writing to dispute a collection reflecting on my credit report. 
Creditor : XXXX XXXX Amount : {$190.00} Date Opened XX/XX/XXXX This shows it's a debt for a medical payment. I do not recall this payment and was not notified of this bill until I pulled my credit recently. 
I have called this creditor to get this resolved but they can not guarantee this can be removed. 
I would like to request this debt to be Removed from my credit report. 
Please let me me know what I have to do do get this removed especially since I do not know what this debt is for. 

Thank you, XXXX XXXX
Product: Debt collection

These accounts have resulted in several f fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections,. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or 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 FTC Identity Theft Criminal Complaint # XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, coliections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint.! request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



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