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

The Three credit companies are reporting inaccurate infomation on my credit report. I sent this letter to all three competes and the onlt remove one or two name that is showing on the report. I would like all name that is not my name to be removed. They are also remorting address that i never lived at. I have never used these names and address that is being reported. Please see the letter below with the correct information. To whom this may concern, I recently retrieved my credit report. I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows This is my legal name XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX CA XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement, utility bill, ID for your verification Thank you for your assistance. Sincerely. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

As I was recently looking over my credit report I noticed unauthorized inquiries on my credit file. These inquiries are really detrimental to my credit and daily life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Round about XX/XX/2022 the company responded to a compliant I raised for serveral bankruptcy accounts that appear on my credit report. Even though the case is still open on the CFPB site I reviewed my Experian credit report portal and these items were verified and remains. I still did not get the a response on who verified this information and I have requested several times asking for details of the verification and these items still remain even though all of the public information are frozen. The documentation previously provided shows the dates and pubic resource of when these freezes were placed however the credit bureau stated that they could not used the documentation I provided
Product: Debt collection

I had a credit card with XXXX XXXX originally and it was dismissed due to unauthorized transactions on the cards for which I did not make. XXXX XXXX admitted that they found fraudulent transactions on the cards and said that I no longer was responsible for the balances. In 2018, Portfolio Recovery started a campaign against to collect these debts despite XXXX XXXX decisions to not collect these charges from me. I filed an identity theft report with the FTC and listed these cards as a part of that report and told Portfolio Recovery about that and stop calling me. Portfolio Recovery not only continued to call me but used some very brutal tactics to try and collect these debts that had been settled. They continued to call me from many different numbers and from different area codes from spoofed numbers to try and collect these debts thats not mine. At the same time, I started receiving barrages of many spoofed calls and harassments from many other numbers trying to collect on these debts. I feel that Portfolio Recovery employed these tactics to sell my information to other parties to aide them into harassing me into paying debts I do no owe. I reported this to all credit bureaus and all deleted Portfolio Recovery except for XXXX  from my credit report.
Product: Debt collection

I first received a written notice from Credit Corp Solutions in XX/XX/2019, so I immediately contacted them and asked them about this account. They confirmed they were sending notices to an incorrect old address in a different city and I advised them of my New Address. On the phone they collector was extremely irritated and rude, and kept making reference to " legal action '' and being " sent to an attorney '' - I felt like they were jumping the gun here as I had never been given a proper notice allowing me to dispute this debt or resolve it prescribed by the FDCPA. I then receive a pre legal notice making more legal threats against me, so I called them again on XX/XX/2019 to attempt to resolve this. Again I was met with legal threats every other sentence. I felt like they were trying to intimidate me to the point of paying significantly more than what I truly owe on this account. They also kept stating that they have not added on any " fees '' after, but this is an extremely misleading statement. They are not even allowed to add on any more fees since the account has been charged off, so no interest or late fees are supposed to accumulate anyways. They are deceitful and misleading. I attempted to settle with them for a reasonable amount of {$2000.00}, and even raised my offer to {$2500.00} but was met with more legal threats and I frankly had to terminate the call before I began to say thing I might regret, that's how condescending this person was.
Product: Credit card

I sent a {$400.00} deposit to first progress credit card company for a secured credit card 30 seconds after they took my money from my bank account. They requested I upload documents because they could not verify who I was. I asked how do you take someones money before you verify who they are, they asked for me to mail my documents to them instead of uploading them I requested my money back on XX/XX/XXXX. They said it would be XXXX to XXXX business days. This is a believe the XXXX th day. I have begged for my money back because its all that I had. They asked me to fax some information but I never got a fax number or what to fax. This company came number one from XXXX. This company is totally 100 % a fraud.
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on REGIONAL ACC. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : REGIONAL XXXX XXXX Opened : XX/XX/2014 Balance : {$5700.00} ; XXXX  XXXX XXXX Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I submitted a dispute request to Transunion on XX/XX/XXXX so they could investigate an account listed on my credit report by the name of XXXX XXXX. With the account number attached to it as being XXXX. Transunion did not do as requested and now they are claiming that their agency. Has verified this account as being accurate but their investigation results was wrong. There is still inaccurate information being reported listed under this account. The date of last payment being reported was on XX/XX/XXXX but in fact the payment history on that very same date displays a 60 day late rating. And the day that this account was closed is also listed incorrectly as well. So how can this data be 100 % accurate and verifiable but the information is listed incorrectly? Transunion has been given several chances to correct these inaccuracies and now they are violating my consumer rights under the Fair Credit Reporting Act.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit. 
I also can not transfer money. Capital One has cited technical issues since yesterday Thursday XX/XX/year>2025. This violates EFTA. This situation raises concerns for my protection. I also am a single individual who supports herself in this exspensive economy. I have no gas in my car, groceries my mortgage my car payment. This should not take more than a day to fix.
Product: Credit reporting or other personal consumer reports

I paid off my loan. In full. Received confirmation from the company that I paid off the loan, in full. 
They did not report the payment to the credit bureau. I filed a dispute with Experian. 
After the dispute was " resolved ''. They were still reporting a balance that had not been paid on the loan. So the balance is still on my credit report. 

If I take out a loan, that loan shows up on my credit report in 24 hours.

If I pay the loan off, it takes MONTHS to be reported to the credit bureaus.

This is an abuse of the credit system and an imbalance towards consumers. All financial institutions that report to credit bureaus should be required to report payments just as fast as they report credit usage.
Product: Debt collection

I received a Garnishment Disclosure and Notice of Income Tax Refund Used for Debts form the Department of Treasury both on XX/XX/2020. Both are dated XX/XX/2020. As pursuant to the Covid-19 relief act no wage garnishments are to be made. How do I go about protecting my rights? 
This is for a 20 year old debt and they are taking my Michigan tax return.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. THESE INQUIRIES ARE ASSOCIATED WITH SOMEONE ATTEMPTING TO RECEIVE CREDIT OR OTHER SERVICES IN MY NAME.
Product: Checking or savings account

I got an email from bank of america for declined charges but i never opened an account
Product: Credit card or prepaid card

Have tried several times to explain my identity was stolen. This card could have been part of that issue. I had offered several times to make a payment on account to satisfy debt. Because if it's mine or not it's destroying my credit. My bill was around {$2300.00} since then I get calls 6 to 10 times a day. They report this is a reminder to pay. That's bull! Now with their added late fees and interest they continue to add to a closed account. The bill is way over {$4400.00} and it has no sign of stopping. 
I am planning on handing this to an attorney. Their tactics are aggressive and careless with no resolution except their terms. Under the far debt collection act I am protect from them being XXXX. They can make this right or be in court and prove I made these charges.
Product: Debt collection

Kohn Law Firm SC Attorneys at Law is not giving all the information I need for a Case between XXXX XXXX XXXX XXXX XXXX XXXX vs. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the law firm client. I'm XXXXXXXX XXXX XXXXXXXX 's mother, XXXX XXXX. I understand they had court in XXXX for her. She was paying the loan and stopped in XXXX of XXXX. They are trying to garnish my check without giving me any proper information about the borrower and loan. I want to see the original papers so I can know more about the loan. XXXX, phone number, XXXX, ext. XXXX is the rep. I've been in contact with and I can't explain anything to him. He is so rude. I believe if you are going to garnish someone's paycheck they should know more a bout the company, which is not a regular loan creditor. They are a trust place and more like a depositor. I told them I'm really not able to pay my daughter 's loan. I am the cosigner. My daughter has two jobs and is working on her XXXX XXXX degree. She just received XXXX and should have payed her dept I'm not sure if this place is legitimate or not that's why I didn't provide them with any of my financial papers. 

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

XXXX XXXX XXXX XXXX was in violation of the FCRA and did not have permissible permission to access my credit in XXXX. XXXX XXXXXXXX XXXX XXXX has denied the subsequent fraudulent loan after credit was pulled but can not deny Permissible Permission. It was all fraudulent and XXXX XXXX XXXX XXXX is a fraudulent company! XXXX  XXXX XXXX XXXX has denied over 100 requests for the valid permissible permission by labeling all requests and complaints as duplicates as again today XX/XX/XXXX. I will stop the complaints when I receive valid Permissible Permission used for the loan.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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. 

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: Mortgage

I need assistance in obtaining a HAMP modification through my bank Wellsfargo. I am currently 30days behind in my mortgage. I reached out Wellsfargo and requested a loan modification back in XX/XX/XXXX. They stated I was denied for the loan modification due to my income. When I purchased my home back in XXXX I was working for a facility called XXXX in NJ. I was making XXXX per hr. The facility I work for was bought out by XXXX due to the buy out they laid off all the XXXX employees. I was laid off for 1 yr. I was not able to find work so I went back to XXXX XXXX and they rehired me at XXXX per hr. Recently I received a raise to XXXX per hr. I did receive assistance thorugh a state program XXXX. They paid my mortgage for 2 yrs. As of XXXX I took over the payments of my mortgage and been struggling to pay the current monthly payment of XXXX. I reached out to Wellsfargo for a loan modification and sent in all my information and received a denial. I understand that there is a program out there call HAMP that I would like to be considered for and I do not believe that Wellsfargo ever placed me into. I need your assistance in getting Wellsfargo to assist me in obtaining a loan modification under the HAMP assistance program. I am only 30 days benind in my mortgage payments and Wellsfargo has thrented me with forclosure proceedings if I do not become current in my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I requested my full consumer file on XX/XX/2021, I received a defective [ non ] response disregarding the " AND FILE '' portion of my request for my " Individual/Consumer File. '' I consider this negligent noncompliance pursuant to 15 U.S. Code 1681o and provide one opportunity to cure Respondent 's fault.

With regard to the improper response to my complaint : FULL CONSUMER FILE DISCLOSURE REQUEST PURSUANT TO 15 U.S.C. Section 1681g ( a ) ( 1 ) ( Not Request For Credit Score Report ) To Whom it may concern : Please send me in writing ALL INFORMATION in my consumer file at Experian as of the date that you receive this letter regardless of how or where it is stored ; pursuant to 15 U.S.C. section 1681g ( a ) ( 1 ), and subject to 15 U.S.C. section 1681h. Mask the first five digits of my Social Security Number in all writings you return to me.

In addition, I am requesting : 1. Pursuant to 15 U.S.C. section 1681g ( a ) ( 2 ), all sources of information in my consumer file at Experian.

2. Pursuant to 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ), the identification of each person that procured a consumer report on me from Experian.

3. Pursuant to 15 U.S.C. section 1681g ( a ) ( 3 ) ( B ), the name, trade name, address, and telephone number of each person identified under 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ).

4. Pursuant to 15 U.S.C. section 1681g ( a ) ( 4 ), the dates, original payees, and amount of any checks in my consumer file at Experian used to adversely characterize me.

5. Pursuant to 15 U.S.C. section 1681g ( a ) ( 5 ), a record of all inquiries received by Experian in the year ( 12 months ) preceding the receipt of this request that identified me in connection with a credit or insurance transaction that I did not initiate.

This is a request for a full file disclosure to include all obsolete and archived information as permitted by the Fair Credit Reporting Act. It is my first full file disclosure request for this calendar year from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX {$140.00} XXXX XXXX XXXX  XXXX XXXX {$80.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$20000.00} DEPT ED/XXXX   XXXX {$3200.00} DEPT ED/XXXX XXXX {$1800.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX XXXX bal {$0.00}, XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$2600.00}, XXXX XXXX {$110.00}, XXXX XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed several times for XXXX collections to be removed from my Equifax credit report because the collections were removed from my XXXX XXXX XXXX account already. XXXX # XXXX amount was {$120.00}. XXXX # XXXX amount was {$210.00}. XXXX # XXXX amount was {$73.00}. I cant remember exact dispute dates, but I remember making XXXX dispute in XXXX of XXXX and it took over XXXX days for the investigation to be completed. After that was another dispute XX/XX/2022 and my wishes still werent granted even after I told them the collections were removed from my other credit bureaus credit reports months before.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Last XXXX XXXX I called Bank of America Credit Card collection department ( for my Rewards Visa Signature Card ending XXXX ) and paid {$9500.00} through and by giving my checking account information at XXXX, My balance dropped down to {$230.00}. 
Then today, XX/XX/XXXX, to my shock, I saw in my checking account at XXXX a pending payment to Bank of America amounting to {$9800.00}. I immediately called Bank of America credit card. And I was told that it was a duplicate payment that they couldnt explained how it happened but confirmed that its a glitch in their payment system. I wad told to wait until it posted in my checking account in XXXX before they can refund the huge amount. I called my other bank XXXX  for help because I was very worried of the domino effects it will cause once it posted and that I will be way below my balance and will incur multiple overdraft charges in relation to my scheduled auto payments. Immediately XXXX was able to process a stop payment to Bank of America. And I have to pay {$20.00} for the stop payment processing fee. I am going to ask BOA to reimburse this fee that was charged to me since they are the ones which caused the chaos and inconvenience. Moreover I am filing this complaint to demand an explanation why this unauthorized transaction was attempted by BOA.
Product: Credit reporting or other personal consumer reports

This account was charged off the following date XX/XX/year>. Since then the account been repeatedly charged off every month. This updated in payment history. A charged off account active payment history. This inaccurate information falsely manipulates the statute of limitations investigate this account properly after I asked you to do it twice and your neglect has violates the demanding a deletion of the following account XXXX XXXX XXXX XXXX and account number XXXX
Product: Mortgage

This is a follow up to a complaint about my servicer Seterus refusing to send me my monthly mortgage statements. After I submitted  the 1st c omplaint, instead of responding, they sent me a notice telling me my payment was not received and was not 31 days late ( see attached ) and a modification package.   My payment was paid including the late fee, that was incurred because they refuse to send me my monthly mortgage payment.       This is an example of the company 's incompetence.   SEND ME MY MONTHLY MORTGAGE PAYMENT STATEMENTS - ON TIME!!!!
Product: Debt collection

I called the daycare to inquire about enrollment for my child. They did not return my call until days later, informing me that they can enroll her that same day. I advise them that I no longer needed their service. The Director sent me a bill stating that because I asked about enrollment, she enrolled my child Which is unfair how can you enroll someone and we do not agree to enrollment so she is charging me be an enrollment fee
Product: Credit reporting

I have exhausted all avenues with Experian to obtain my credit report online. I have been unable to purchase the report online and have been unable to contact them by phone. This is a simple request that should be easily handled. I have obtained my credit reports from XXXX and XXXX without any problem. I am working to dispute information on all three of my credit reports and this issue with Experian is causing me great inconvenience.