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

There is a collection on my credit report from receivable performance for {$2800.00}. I do not owe them any money whatsoever I never did business with them. Also there is an open account in good standing on my XXXX credit report XXXX XXXX XXXX XXXX I dont know what that is or how it got there! Also I see a bunch of inquiries that should not be on my credit report. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is the last one. Now Im disabled and I have a XXXX XXXX  XXXX so if they have some kind of proof that I could have did this stuff then it can stay but I am pretty sure I did not. Can you help me please
Product: Debt collection

I have an unverified account from MEADE & ASSOCIATES. I had previously disputed this account. I have never done business with MEADE & ASSOCIATES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MEADE & ASSOCIATES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Letter of Demand Under Section 604 of the Fair Credit Reporting Act : I see these inquiries on my credit report. I would like these Items removed immediately. Please provide me Permissible Purpose. Proof that I initiated the Inquiries and Written Authorization on all inquiries. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10 page attachment ( Your Duties Under The Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. 

Equifax Inquires 1 ) Equifax - XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX 1 ) XXXX XXXX XXXX XXXX, XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 1 ) XXXX XXXXXXXX XXXX - XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX
Product: Credit card or prepaid card

Comenity Bank aka Bread Financial handles our XXXX XXXX It is my practice to always review my account online before paying my monthly bill in full. I do this to ensure that there are no fraudulent or spurious charges on my bill. Comenity Bank website has been down since approximately XX/XX/XXXX, i.e, OVER ONE MONTH. Comenity Bank, I have come to learn, handles over 100 consumer credit cards, and all of these consumers are experiencing this same issue or worse. You can review Comenity Bank 's XXXX account for a flavor of the range and volume of complaints. Comenity is sharing very little other than short, canned responses that a system upgrade has taken longer than anticipated. I had worked in XXXX  for some 30 years ; an outage that lasts more than one month ( and counting ) is absolutely egregious. Please look into this, not just for my sake but for the many consumers impacted.
Product: Debt collection

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the I C SYSTEM INC ( XXXX ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account XXXX.

I C SYSTEM INC ( XXXX ) XXXX Date opened XX/XX/2021 Balance {$1300.00}
Product: Checking or savings account

I filed a complaint on XX/XX/year> with CFPB. 
I have gotten 2 calls from the corporate office and one from the branch manager. 
All said they wrrr going to send me {$200.00} to correct the error. 
So far I have not received anything. 
My concern is that corporate person stated it was XXXX income which it is not. 
She said they had no way of sending me money without it being XXXX income. 
This error was entirely their doing and I should not need to report this as income. 
I do have two currently active accounts that they could credit the amount to. 
I think they need to pay me rather than tell me it will be considered income, and delay payment. 
Something is flawed in their system and meanwhile I havent been made whole.
Product: Debt collection

I received a letter in the mail about debt to a healthcare provider. There is no information about why I owe this debt or when this debt supposedly took place. They are threatening me that if I do n't contact them they will obtain a judgement against me ... And that they will submit a negative credit report to XXXX XXXX and XXXX.
Product: Checking or savings account

I opened a new checking and savings account at Citizens Bank on XX/XX/XXXX as part of a promotional offer i received in the mail. The offer was to make a deposit of {$500.00} into the checking account and then to make 3 deposits of {$500.00} into the savings account and they had strict guidelines on the offer that I read through throughly and made sure to follow exactly, then i would receive a credit of {$600.00}. I contacted the bank multiple times regarding the credit to confirm that I would receive it, especially considering that I monitored my account regularly and made sure to follow the guidelines they had set exactly. Each time I contacted the bank, I was told by a representative that I would receive the credit on XX/XX/XXXX. That day came, which was a Saturday, and the credit never came. I called the bank again and was told I needed to wait out the weekend and for end of business Monday to see the credit. I did this and still no credit. I called the bank again on XX/XX/XXXX, the following Monday, and was told I needed the code from the original promotional offer I got in the mail. This is incredibly shady and suspicious behavior. I was then told that even though my first deposit into the checking account satisfied the {$500.00} requirement, it was supposed to be the month after I opened the account. This is false as I read through the terms thoroughly in the offer and it never stated that. I was also told that the three {$500.00} deposits into the savings account were supposed to be broken up into consecutive months instead of how i had done it, with 2 in XXXX and 1 in XXXX. This is again false. I feel this is incredibly predatory behavior to lead people into bringing money into your bank under the false pretense of giving out credits you never intend to give out by changing the terms later and implying that the original offer card we got in the mail months ago should've been kept as a commandment to show the terms. These terms should be kept in the policies and procedures of your institution and not left up to the consumer to hold onto a piece of cardboard from the mail. I fully intend to close my accounts with Citizens Bank and tell everyone I know about this awful experience if they don't find a way to make this right.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

XXXX U.S. CXXXX XXXXXXXX - Civil Liability for Willful Noncompliance, XXXX U.S. CXXXX  XXXX - Civil Liability for Negligent Noncompliance, and XXXX U.S. CXXXX  XXXX - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA XXXX U.S.C. XXXX ( XXXX ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of XXXX U.S.C. XXXX ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under XXXX U.S. CXXXX XXXX ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States XXXX Law ( TILA, XXXX U.S. CXXXX XXXX ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA XXXX ( XXXX U.S.C. XXXX ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under XXXX U.S. CXXXX  XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States XXXX Law XXXX  U.S.C. XXXX  ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting

The addresses have been reported to Experian numerous of times stating that this is incorrect. They continue to publish these addresses regardless of my complaints : XXXX NC XXXX XXXX
Product: Debt collection

I received letter from Firstsource Advantage dated XX/XX/2022 saying I owe {$5300.00}
Product: Payday loan, title loan, or personal loan

The company has contacted me at my place of employment twice. The company interest rate is well over of the cap for the state of Minnesota. They are not registered with the Minnesota Department of Commerce to make small consumer loans in Minnesota. Also, they tried to withdrawal funds on XXXX using check number XXXX. I never provided this check number to the company. 
I was unaware of my rights after the fact.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue related to 15 U.S. Code 1666b. This code stipulates that 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 specific measures. 

I have observed that XXXX XXXX XXXX  reported a late payment on my credit report, and I believe this may be in violation of 15 U.S. Code 1666b. The code ensures fair treatment of payments and prevents unjust penalties. 

I kindly request your assistance in investigating this matter and ensuring that XXXX XXXX XXXX complies with the regulations outlined in 15 U.S. Code 1666b. 

Thank you for your attention to this matter, and I appreciate your efforts in safeguarding consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 filed disputes for accounts paid in settlement that are still showing up without an updated status. I was advised by experian that comments were added. After checking again on XXXX XXXX 2022. The accounts still show wrong info about accounts. and they will not let me dispute info. Also a wrong adress is listed that I'm not even given an option to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 1 ) XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and has a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- - XXXX 1 ) XXXX XXXX XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

4 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

5 ) Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

6 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

7 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

8 ) Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

9 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- -- - TRANSUNION 1 ) XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a certified letter to Experian explaining there's more then a dozen accounts listed on my report that were inaccurate and also shouldn't of been listed on my consumer report. The inaccuracies listed on my credit report remains still and they're grossly affecting my credit score. I requested to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature and it was not given.
Product: Checking or savings account

I am filling a complaint against Capital One regarding the deceptive practices related to XXXX XXXX XXXX interest savings account. Capital One misrepresented the XXXX XXXX  account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by XXXX XXXX XXXX Account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid a balance of XXXX to XXXX Synchrony Bank. This was before the due date of XX/XX/XXXX. I checked my credit report and my score was brought down by 12-14 points for a balance that I had paid in full before the due date. I received emails from XXXX saying that my payment had been returned, but yet my account shows that my balance has been paid in full. Other customers are encountering problems like this with XXXX synchrony Bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain accounts listed on my credit report that I did not authorize and do not recognize. These accounts were most likely opened fraudulently as a result of a data breach in which my personal information was compromised. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I am entitled to dispute and have incorrect or fraudulent information removed from my credit report. 

The accounts in question appear to be the result of identity theft, and I am requesting their immediate deletion from my credit report. The following details pertain to the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KOHLS/CAPONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken steps to report the identity theft to the appropriate authorities, filed report with FTC. In addition, I have placed a fraud alert on my credit file and will be monitoring my accounts to prevent further unauthorized activity. 

Please investigate these remove any information related to them from my credit report. My information was exposed in the databreach. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

EXPERIAN IS IN VIOLATION OF THE FOLLOWING SECTIONS OF 15 USC 1681, I HAVE PROOF IN THE ATTACHED EXHIBITS. 

-15 USC 1681b ( 2 ) -15 USC 1681 ( b ) -15 USC 1681e ( b ) -15 USC 1681a ( 4 )
Product: Debt collection

Couple of Collection Agencies continue trying to collect alleged debt disputed multiple times. 

Dates and data submitted. 


Credit Bureaus are COMPLICIT in CRIME as they also are GUILTY OF REINSERTION! 


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

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to Equifax was dated on XX/XX/2022, but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have requested debt verification of alleged debt. I have also requested purchase agreement of alleged debt to show that Midland owns the debt. Nothing has been disclosed.
Product: Credit card or prepaid card

XXXX   XXXX   has not recognized the charges I filed as fraud yet. I sent them a list of charges circled in my statements and they are saying they deny the fraud claim. THeir reason does not prove anything. They say reasons that are not even true. I need to re open this dispute and have my fraud charges credited back to my account NOW.      XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

RESIDENT VERIFY XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today, I reviewed my credit report and noticed several hard inquiries that I did not authorize. It appears these inquiries are related to automotive loans. 

These are the hard inquiries companies : Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a forbearance due to covid for 3 months. we have been paying our mortgage for 6 months now in full. We set up new terms to extend the mortgage by 3 months and signed all of the paperwork with Wells Fargo in XXXX. Our loan still shows we are in forbearance and past due. I reached out to wells fargo in the middle of XXXX and was told it would be processed and updated 4 days from when I called. The big problem is I am in the middle of a refinance and can not proceed due to being listed as in forbearance. I called Wells Fargo on XX/XX/XXXX at XXXX after looking at my most recent statement on XX/XX/XXXX to tell them it still showed I was past due.. They stated they would work on it and call me back. No one called me back. So I called them back at XXXX and they told me there was no one that could help me and a manager would call me on XX/XX/XXXX. No one called me, I had to call them at XXXX on XX/XX/XXXX and was told a manager couldn't speak with me, I demanded a manager call me back. Finally a manager called me back at XXXX and told me there was nothing he could do and didn't know anything. I asked if he could at least write a letter stating I was no longer in forbearance and in good standing. He would not do it and said I have to wait for them to process the settlement. He told me this should have been done 1 month ago, but could not answer why it wasn't done. I am stuck and unable to complete my refinance due to their negligence and unwillingness to help.