23daVinci/CFPB_Complaints huggingface dataset:
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 Account XXXX  - XXXXXXXX XXXX XXXX XXXX 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. 


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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/2024 This company try to threaten me by taking legal action on me. And report this information to my employer n been harassed n calling me all day n night Debt is no longer mines
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. 

Late payments from XXXXXXXX XXXX XXXXXX/XX/XXXX were all on time. Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly? Inaccurate late payments like this are not only embarrassing, but they are preventing me from obtaining credit that I'm trying to apply for. I've already been in talks with some experts who have informed me that there are laws to ensure that credit bureaus only report accurate credit information. 

It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part or both. I take this very seriously and I'm not going to stop contacting you until you remove this wrong information. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. If it isn't done fast, I'm going to have to research what legal options are available to me against both you and the creditor. 

Regards,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account # : XXXX Balance : {$170.00} Payment Status : Collection/Chargeoff XXXX Account # : XXXX Balance : {$120.00} Payment Status : Collection/Chargeoff XXXX  XXXX Account # : XXXX Balance : {$530.00} Payment Status : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # : XXXX Balance : {$220.00} Payment Status : Collection/Chargeoff XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$1100.00} Payment Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Used XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal- unilaterally decided to close my account and its illegally holding all my funds- {$410.00} for 120 Days. 

I need that money to pay my bills- it is not fair at all - this is clear case of abuse And it should be investigated - their policy is abusive. 

I do agree, they can close my account at any time but they cant hold my money- Why? 
Reference ID is XXXX My account was XXXX XXXXXXXX CFPB should send examiners to review this abuse practice
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX, XXXX I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$370000.00}
Product: Debt collection

Entered into a debt collection plan with the Bank for a credit card that I have an outstanding balance on or around XX/XX/2024. This debt is with the current banking institution that I currently use my savings and checking account with. After some back and forth due to my unemployment status with no income ; the credit card was confirmed to be fully cancelled and I was approved to make payments of {$38.00} per month at the end of each respective month. To date, I have made the first XXXX payments of the trial plan which is for XXXX months. 

However, despite being on the debt collection plan, the bank calls every day or every couple days with incorrect or invalid information about what my payment is. They reference outstanding payment amounts due for {$110.00} or higher each time they call. Tonight, XX/XX/2024, the bank called XXXX different times with me responding to the final call at XXXX XXXX. The caller advised they were calling about a debt collection for my account with an outstanding payment of over {$110.00} which I responded that I was already on a repayment plan for {$38.00} and that I should not be receiving the constant phone calls with incorrect payment amounts.

The individual I spoke to validated that he saw the repayment plan information and the payment that was just made on XX/XX/XXXX but indicated that he was still required to call about making the debt collection amount despite the repayment plan in their system. I advised that this practice is illegal and that the bank should stop trying to contact me when I am on an approved repayment plan and advised I would contact the FTC or other parties about this practice. After advising this the caller went back to his script about debt collection practices to which I responded with some colorful language and hung up on the debt collector/bank.
Product: Debt collection

My work company XXXX did a BIG MISTAKE by putting me on the wrong system, and send me wrong paychecks Amounts. After I compliant they discovered THEIR MISTAKE, they sent me an official e-mail that they Will NOT ( NOT ) be collecting the overpayment. 

Then I surprised that XXXX 's XXXX XXXX XXXX XXXX Called " The XXXX XXXX XXXX '' asking me for this amount back through Collection Company Called " Vengroff Williams Inc. '' Contact Person : XXXX XXXX of US {$320.00}, letter issued dated on XX/XX/2021 Although, While I asked this lady XXXX XXXX from the collection company over the phone call conversation dated on XX/XX/2021, Do you have any Invoices or any documents for this amount? 
She answered : NO ( NO ), It's just some information sent to us. That is a Fraud.

So, I informed her that is illegal to ask anyone for a collection amount while you don't have any prove or any documents ... but she ignored my words and sent to me TWO letters asking me for this amount of : US {$320.00} from " THE XXXX # XXXX ''. 
I received those two letters in the same time : One issued dated on XX/XX/2021 ( before even contact me to inform me that she has NOT any documents for this amount, It's JUST Information '', The other one issued dated on XX/XX/2021 XXXX next day of phone call ) with document from XXXX XXXX company The XXXX Evidences : Please find attached : 1. Official e-mail from XXXX stated that they will NOT collect this error overpayments. 
2. Letter from collection company " Vengroff Williams Inc. '' sent it WITHOUT Support documents. 
3. Phone call from " Vengroff Williams Inc. '' dated on XX/XX/2021 @ XXXX from Phone # : XXXX Outcome : Please disputed this FAKE amount of US {$320.00} as soon as possible and I want the CFPB to publish this description on Consumerfinance.gov so that others can learn from my experience.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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: Prepaid card

A Vanilla Visa Gift Card in the amount of {$200.00} was purchased by a family member on XX/XX/2023 and given to me as a gift. I attempted to use the gift card a few times over the next couple months but it was always declined. I checked the balance on the Visa website and noticed a couple of days after the gift card was purchased by my family member a fraudulent transaction was charged against the gift card for the full {$200.00}. 
On XX/XX/2023 I filed a fraud report with Vanilla/InComm , the issuer. I sent a picture of the gift card along with the purchase receipt as they requested. On XX/XX/2023 Vanilla/InComm acknowledged receipt and advised it may take up to 30 days for a response.

After 30 days I had called Vanilla/InComm customer service with my case number XXXX and asked for an update. The representative advised a replacement card will be sent out due to the fraudulent transaction but may take 90 days to be processed.

I waited the full 90 days and did not receive a replacement card. I called Vanilla/InComm provided my case number and requested an update. The representative confirmed my name and address and apologized for the delay and said she escalated the request and the replacement card will be sent in the next few business days.

I waited another few weeks and called Vanilla/InComm again , providing my case number, the representative said he escalated the request to another department and to call back in 48 hours. I requested information to be e-mailed to me regarding the case and he declined. I advised the representative the issue has already been escalated and I want the status at this time. The representative declined and said to call back in 48 hours. I advised I will be filing a formal complaint at this time.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax for inaccurately reporting late payments on my XXXX XXXX account ( Account Number : XXXX ) for XXXX and XX/XX/2024. Despite my timely payments, this erroneous information continues to appear on my credit report. This is my third complaint regarding this issue. 

I have consistently paid this account on time, and there is no justification for these late payment reports. Despite my previous disputes and requests for correction, XXXX has failed to rectify this error. 

The false reporting of late payments has adversely affected my credit score and caused me significant distress. Equifax continued failure to correct this mistake is unacceptable and in violation of the Fair Credit Reporting Act ( FCRA ). 

I urge the CFPB to investigate this matter urgently and ensure that Equifax corrects my credit report to reflect my on-time payments. This issue must be resolved immediately to prevent further damage to my financial standing. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keep reporting the same inaccurate information that was closed in my bankruptcy 2017 in which they have recorded. Over and over again which causes my credit score to drop over and over again.
Product: Debt collection

I called this agency to inquire about the following accounts ; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They told me that they were going to send me the documents that I requested. Never received it. Why is this agency giving people a hard time just to get a copy of the contracts, all notices and all statements. What are they trying to hide? I demand to receive these documents immediately
Product: Credit reporting or other personal consumer reports

Experian has not allowed me to dispute negative effects on my credit from years ago.
Product: Credit card or prepaid card

I have been with Capital one for almost 5 years plus. I have credit cards from all major banks in USA like XXXX XXXX, XXXX XXXX, XXXX XXXX  etc. Max credit limit of {$36000.00} in one single credit card and all others are in the range of $ XXXX {$20000.00} with a total limit of $ XXXX. My credit score is mostly in the very good range, never missed any payments. 

The problem is the system of Capital one for credit limit increases, My limit is {$600.00}, and doesn't matter what you do they don't increase it. I am not asking to give me max credit but a reasonable limit is expected. They had a usage issue which I did mitigate now the rejection pretty much has no explainable reason.
Product: Mortgage

On XX/XX/2023, XXXX XXXX, a Bank of America representative, contacted my attorney and let him know that the mortgage application was declined due to the Debt to income ratio. After the contract expired, the seller gave me a 3-day notice to cure, and BOA made me believe that the mortgage would be approved, however, during the conversation, XXXX XXXX acknowledged that the change of occupancy was an element of the denial, which related to my previous complaint about the BOA changing the facts of the occupancy to charge me more fees. XXXX XXXX changed her story about my income during the last minutes of the process when I originally submitted a corrected W2 and they used the corrected w2 to calculate my income. we figured out the error, and BOA recommended I to file an amended return to correct the error, as we did immediately as requested. BOA further requested to write a notarized statement, stating that I was voluntarily agreeing with the change of occupancy to legalize their policy, and I stated my reason why I agreed with them. XXXX XXXX stated that the income was calculated based on my tax return report, not from the W2, which was originally submitted. XXXX XXXX refused to give me the timeline when BOA changed the course but confirmed that they did not use the income on an amended return. XXXX XXXX also mentioned that the Company credit balance was used to attribute to my personal, despite they knew that my company is a XXXX with other shareholders. XXXX XXXX also used derogatory terms regarding my income as a " flip-flop. '' Based on these acts of BOA, I completely believe that BOA denied my application because I filed my previous complaint about their policy to force mortgagee to pay higher fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I was taken advantage of, due to malpractice, while several laws under the FCA were being broken by your company. This is causing me financial injury, this is causing me defamation of character. I can't get a job, I can't apply for credit. I can't even be approved for pandemic based programs and this is hurting me deeply. Please look into it. Thank you!
Product: Student loan

I owed XXXX in total. I paid XXXX in XXXX ( XXXX payments of XXXX ) before interest started to accrue again. The payments were applied incorrectly across the 2 loans on the account. It over-applied {$160.00} dollars to one account and underapplied it to the other. So one loans shows a NEGATIVE amount and the other incorrectly shows me as still owing XXXX. And since, despite my several attempts to communicate with the company ( phone conversations and email ), the amount has now accrued interest and still shows that I owe XXXX and now says that it is past due. The company has never even been able to give me a timeframe for when this will be fixed. I need it fixed yesterday. This could affect my credit.
Product: Credit reporting

I have had a debt that was suppose to come off of my report XX/XX/XXXX. account was opened XX/XX/XXXX. according to the credit report last year, it showed when it would be removed. the reporting agency also said I made a payment when I did not. all I did was give them documentation to prove that I did not owe the debt. and all they did was adjust the amount owed to a couple hundred less. upon reviewing the new credit report where it should have came off. they have now updated it to remain for 4 more years and changed the dates for updated and dates closed to XX/XX/XXXX. SAYING OPENED ON THAT DAY AND CLOSED ON THAT DAY. originally it said closed on XX/XX/XXXX. they have done that with XXXX of the reporting agencies and it has come off on another.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1990 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Mortgage

My mortgage from XXXX XXXX was sold to Ditech Financial XXXX this year, but not before making a mistake on the Escrow Analysis that raised my payments almost {$200.00} a month. I call Ditech in XXXX and informed them of the error, but they informed me they could not do anything for 45 days. I was sent a letter from Ditech informing me to send a check for the first payment, and Auto-pay would be implemented the following month. I did that very thing. The check cleared on XXXX XXXX, but my account was not credited. I later received a notice from Ditech Collections citing my payment past due. After numerous phone calls, XXXX representative was very helpful to me and discovered my payment had been credited to the wrong account ( this was the first part of XXXX ). She assured me it would be resolved immediately. I also had requested an Escrow Analysis on XXXX XXXX. I received an Escrow statement dated XXXX XXXX citing an overage of {$1900.00}, and a new monthly payment that was about {$3.00} more than my original payment to XXXX. I was to get a refund, but that was to be used for my account if it was not current. I have called Ditech numerous times to check the status of my account, and to date they still have not updated my account and consider it past due. I have not missed a single payment and have provided proof of payment three times. They have consistently told me they " ca n't do anything at this time '' regarding most of my requests. I have been very deliberate in my discussions with them, but have never been insulting nor have I cursed them. Supposedly their phone calls are recorded. Regardless, I have just today received my bill for the XXXX payment, and my account is still listed as past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  {$340.00} XXXX {$340.00XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$5400.00} THIS ACCOUNT WAS ADDED TO MY CREDIT REPORT .I WAS A VICTUM OF FRAUD AND HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I NOTIFIED XXXX EXPERIAN AND XXXX WITH A IDENTITY THEFT REPORT TO LET THEM NO THESE WASN'T MY ACCOUNTS. I HAVE NOT HEARD ANYTHING BACK FROM THEM AND ALL ITEM ARE STILL ON MY CREDIT REPORT. CAN YOU PLEASE LOOK INTO THIS MATTER AND DELETE FROM MY CREDIT FILE.