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

Personal Information : XXXX reporting incorrect Date of Birth ( can provide documentation verifying this ) Current address is incorrect ( can provide documentation verifying this ) Remove all employers except XXXX XXXX XXXX  Inquiries : Transunion shows XXXX while XXXX and XXXX XXXX 4-5 Please resolve the inquiries Account History XXXX XXXX XXXX XXXX Not reporting correctly with all Transunion, XXXX, and XXXX Information XXXX XXXX XXXX XXXX XXXX not XXXX correctly Information updated XXXX XXXX XXXX Information not reported correctly Information updated XXXX  XXXX Information not reported correctly Information updated XXXX XXXX Information not reported correctly Information updated XXXX XXXX XXXX not reported correctly Information Updated XXXX XXXXXXXX Date opened, High Credit, Credit Limit , and Payment History not reporting correctly. 
Please update XXXX XXXX Transunion and XXXX XXXX not reporting correctly Please remove XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXXXXXX XXXX not reported correctly Please update XXXX XXXX XXXX XXXX not reported correctly, account charged off as a loss and sold Please remove for inaccuracy XXXX XXXX XXXX XXXXXXXX Information reported incorrectly, account paid but shown as derogatory Please remove for inaccuracy XXXX XXXX XXXXXXXX XXXX reported incorrectly Please close for inaccuracy XXXX XXXX XXXX reported incorrectly Please update XXXX XXXX XXXX reported incorrectly Please update
Product: Money transfer, virtual currency, or money service

All moneys that were supposed to be refunded never were. 
XX/XX/XXXX through XX/XX/XXXX Totaling over XXXX dollars
Product: Bank account or service

Scottrade provide me with the information I requested on how to file arbitration. It was previously brought to Scottrade 's attention that the arbitration agreements with Scottrade XXXX and Scottrade Bank are mutually incapable, thus I sought clarification on the specifics, as well as requested instructions on how to file a dispute. Scottrade has refused to respond. Furthermore, Scottrade has alleged that I would be responsible for significant administrative/travel/filing fee costs associated with filing an an arbitration case. I have requested information from Scottrade on how to remedy the prohibitively expensive nature of arbitration and have not received a response. I kindly request Scottrade provide information regarding how to file an arbitration claim against Scottrade, Scottrade Bank, and Scottrade XXXX XXXX and the differences in any arbitration agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 
This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 
This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT  # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Debt Collection Amount Account Number : XXXX I have been disputing the validity of the debt claimed I owe, as stated in recent communication Per all three credit bureaus dated XX/XX/XXXX. The amount listed, [ {$5.00}, XXXX ], Date of Debt open ( XX/XX/XXXX ) is not accurate, and I believe that this collection is unwarranted. This debt seems to be a third party collection. 

Under the Fair Debt Collection Practices Act, I requested the following information to verify and validate this debt : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A copy of the original contract or agreement that establishes my obligation to pay this debt. 4. A record of any payments made on the account, if applicable. 5. Any judgment information I requested that this information be provided to me in 30 days. It has been over 1 year
and I still have not gotten the information after several disputes from the three credit bureaus they are still deeming the information as accurate. While this matter is being investigated, I requested cease all collection activities.

I was promised accuracy on my credit report based on the federal law I am making another attempt to have these inquiries delete under ( 15 USC 1681 ) unverified information must be properly removed. they can not and did not validate the debt amount information. 
I request for it to be deleted. 
Thank you for your prompt attention to this matter. I look forward to hearing from you soon.
Product: Mortgage

XXXX  XXXX XXXX XXXX : XX/XX/XXXX Amount : {$270000.00} Paid 22 months/No Late Payments Covid Forebearance 17 months Past Due Amt. Total : {$42000.00} Escrow {$530000.00} Tot {$43000.00} The Breakdown per Midland of the XXXX  payment of XXXX, XXXX {$8200.00} Principal {$18000.00} Interest {$16000.00} Escrow/Prperty Taxes XXXX XXXX XXXX XXXX Total amt owed for home is XXXX, XXXX if I payed off by XX/XX/XXXX My Concern ; Now I with the two loans owe {$33000.00} more than when I bought the house. So I overall for 17 months cost me more debt to the amount of {$33000.00} by using the Cares Act Not sure if that is correct. 

My phone number XXXX
Product: Credit reporting or other personal consumer reports

I have two inquiries that showing up on my credit report that shouldnt be on there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 I have no dealing or products from neither institution and I ask that both these inquiries be removed immediately My information may have been impacted by the XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Thank you Respectfully XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Americredit Pulled my credit after sending a letter stating that they didn't the following attachment you will see the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to whom it concerns, i am writing this matter to you all myself without the help or assistance of any third party. I will now start with my complaint. This matter is directed to Equifax. Included in my complaint is my police report which states and supports my claim of identity theft, a letter from XXXX XXXX PROFESSIONALS, L.L.C. that i received to showing proof that my information/data was included in their data breach as well as i am a victim of the equifax data breach. Just speaking about all of this is a headache in itself. The matters in which i have had to deal with has been even more life changing. this is not my first time submitting this information to the consumer reporting agencies, specifically in this case to Equifax and still they have not corrected the matters. which is a sign of them neglecting me the consumer and doing as they please with my life and my credit report. My life has been traumatized by this. I have missed out on employment, housing and interest rates through the roof because of this.
Product: Debt collection

XXXX XXXX XXXX firm claimed to be a debt collector for Cash Call. XXXX XXXX XXXX firm is a total SCAM! He is n't a so called law firm. We a agreed on a monthly payment of {$120.00} a month XX/XX/XXXX for a debt due to Cash Call. I did n't know at the time that he was a scammer. I paid {$600.00} up front via my checking account. I paid {$120.00} each month till XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX firm took two payments of {$120.00} when I did n't agree to that. My bank account shows XXXX XXXX XXXX but nothing about a law firm. I then called XXXX XXXX XXXX firm and got no answer, left a message and he never called me back. Then on XXXX XXXX XXXX at XXXX I get a call from XXXX from XXXX XXXX XXXX firm saying I 'm in big trouble for closing my bank account out and saying I still owe {$600.00} but now I 'm going to owe {$6500.00}. I told him I finally found out they have been scamming me for all these years. XXXX of course denied that. I told him send me a letter with proof of everything he was saying. XXXX then called my daughter 8 times and harassed her. XXXX said he looked up both of our XXXX pages and said he knows everything about us. My daughter told him if he calls again we are calling the police and reporting him. He hung up and ten minutes later tried to call her again. She did n't answer, he has n't called since. Now I 'm reporting them everywhere I can, so I can warn others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to remove a Federal Tax Lien that should have been removed effective XX/XX/XXXX, in order to comply with new reporting regulations under the XXXX. Specifically - New requirements include : Require all public records obtained from the original source locations to contain minimum identifying information ( PII ), Name, address, SSN and/or date of birth The original source document does not comply with this new reporting regulation as it does not include Date of Birth, and it does not include full  social security number. 

Remedy is removal of this released Tax Lien from my Equifax report.
Product: Money transfer, virtual currency, or money service

Venmo is apparently having a system wide outage ( I found this website to write you on XXXX ) I can not access my funds and they wont write me back All of us got emails saying someone tried to log into our account We changed the password and now we are all locked out without access to our funds
Product: Debt collection

On XX/XX/XXXX I received an email from XXXX XXXX notifying me of a XXXX points decrease in my credit score. To my surprise, the Wells Fargo Auto loan closed account and debt canceled ( {$0.00} balance ) reported two late payments between XX/XX/XXXX and XX/XX/XXXX. I received a letter, dated XX/XX/XXXX, from Wells Fargo Auto stating due to the age of the debt, the account is closed and debt cancelled, {$0.00} balance will be reported to the credit agencies. However, Wells Fargo continues to report late payments which is negatively impacting my credit score. I have opened disputes with XXXX regarding the status of the account and to my efforts no changes were made. I contacted and spoke with Wells Fargo on XX/XX/XXXX and was told that the account was officially closed on XX/XX/XXXX and although the letter I received from Wells Fargo stating they will no longer pursue collections that it will continue to report the debt to the credit agency. 

Wells Fargo is acting in an unfair consumer practice!
Product: Debt or credit management

I am writing to challange the payment status that is currently being reported on my closed XXXX XXXX account #, [ XXXX ], which is listed on my credit report. I have recently reviewed my credit report and noticed that this account is reported as having an outstanding balance, despite the fact that it was closed. It should be listed as closed account after the first delinquency.
Product: Vehicle loan or lease

Loan was sold from a NC dealership to FL one XX/XX/XXXX. Unable to make XX/XX/XXXX payment to NC dealership as they do not hold loan any longer. FL dealership has raised the amount of my payment, has assessed late fees for XX/XX/XXXX illegally and when I go to pay this month online the payment says it is not due until XX/XX/XXXX. When I call Mid Atlantic I get no resolution and have had the customer  service reps hang up on me. I was told the new rate is only {$6.00} more why ca n't I just pay it. My loan is for {$300.00} a mo. They want {$300.00} and then add mysterious late fees on top. Mid Atlantic has still sent no paperwork to me regarding the loan, despite multiple requests from me for it.
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. unauthorized without my permission. 

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 ), have 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 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.

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am writing to complain and report XXXX XXXX XXXX for trying to abuse the credit reporting process to extort and coerce me into paying a debt I do not owe. XXXX has engaged a Cain and Weiner - a debt collection agency - to recover non-existent a {$410.00} debt claim. I've called and written Cain and Weiner to dispute, complain, and demand that the debt claim be fully removed from my credit record with the three credit reporting bureaus. Yet the debt is still showing on my record even though qualified as disputed. This debt claim is not legitimate or valid whatsoever. My transactional interaction with XXXX XXXX XXXX is as follows : On or about XX/XX/XXXX, I paid XXXX XXXX XXXX {$870.00} for 6 months policy coverage per their quoted premium ( Exhibit A ). Full payment was made via ACH on XX/XX/XXXX. Sometime in XX/XX/XXXX, XXXX XXXX XXXX tried to increase the premium which I rejected. I informed XXXX XXXX XXXX of my decision to cancel the policy and did so on or about XX/XX/XXXX. Upon cancellation of the XXXX XXXX XXXX policy, I purchased another policy for the same vehicle with XXXX XXXX effective on or about XX/XX/XXXX XXXX Exhibit B ). 
I exercised my legal right to cancel the XXXX XXXX XXXX auto policy before the end of the term for which Id fully paid. I dont owe XXXX XXXX any debt. Neither the company nor its collection agent have explained to me the basis for this debt claim? 
I respectfully request an investigation into this debt claim. XXXX XXXX XXXX should provide the basis for the claim if one exists and any supporting evidence. Otherwise, this false item should be expeditiously removed from my credit record entirely. Failure to do so would be an abuse of the credit reporting process designed to extort and coerce me into paying a debt that I consider totally invalid and not responsible for.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

These inaccurate items on my credit report are due to ID Theft, ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
This has been reported via police report and FTC Affidavit of ID Theft. True Name ID Fraud was listed on my credit report after I found out, but for some reason now they show up under collections. This is prohibiting me from getting my credit score back to Pre-ID Theft which was a XXXX. After all this fraudulent activity and reporting, it is low XXXX and has caused damage to me and my business as well. Reports show that fraudulent account was opened XX/XX/XXXX, XXXX in my attached report it shows that they were 'assigned ' over a month before the open date!
Product: Credit card

You Bank of America are grossly misinterpreting the order of XXXX XXXX, 2014, signed by XXXX XXXX, Director of the Consumer Financial Protection Bureau ( CFPB ), File Number XXXX, regarding Bank of America 's ( BofA ) Credit Protection Plan that I was enrolled in to " protect my credit ''. The CFPB is making all customers like me whole again. This means all fees and interests accrued as a result of BofA 's mishandling of these accounts are to be deleted from the credit reports. That is what I am requesting. I am stating exactly what the language is in Paragraph XXXX of File Number XXXX, and I quote : " With respect to any Credit Protection and Identify Protection Eligible Customer 's Account that receives redress as a credit that decreases the existing balance or charged-off balance, the Bank shall, as permitted by law and in accordance with existing procedures : ( b ) delete the account trade line at each credit reporting agency to which the Bank had previously furnished balance information for the account. '' End quote. So please delete XXXX ( {$320.00} ) regarding me from all Credit Reporting Agencies ASAP. The balance that you BofA are continuing to report to the Credit Reporting Agencies is pure and simple illegal and a gross miscarriage of justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company- XXXX XXXX XXXXlate payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code & 1681a- Definition ; rules of construction ] U.S. Code ] US Law ] LII / Legal Information Institute 15 U.S Code & 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 } Prohibition ( A ) Reporting information with actualknowledge of errors 15 USC & 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report ' does not include- ( A ) subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Vehicle loan or lease

We have paid overage payments during most of the loan 's history. However, the balance doesn't correctly represent the payments made. We have requested all overages to be applied to the principle. Yet, there has been no explanation as to why GM won't apply the overages to the principle. The loan contract is due to expire in XX/XX/2021. We are trying to understand why there are now 8 payments left. Each month an additional payment gets added to the loan. The car loan was a 0 % interest loan, " supposedly. '' With no interest applied, the whole payment made to the loan should go to the principle. There have been many credit reports that document an interest of approx. 2.9 %. All of our loan documents state there should be no interest applied. We have requested a full payment history, which has not been successful.
Product: Debt collection

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 Account number : XXXX Account type : Secured Loan Account name : XXXX XXXX XXXX Date open : XX/XX/year> Balance : {$2200.00} Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this matter on my own but have not been able to, If you could assist me in resolving this issue. The following account is not mines : XXXX XXXX XXXX XXXX XXXX {$120.00}
Product: Bank account or service

I attempted to open a Scottrade Bank account after formerly being a Scottrade XXXX account customer. I called Scottrade Bank which instructed me to provide various forms and sign the account agreement. I sent all of this information to Scottrade Bank and heard nothing. 

Roughly 3 weeks later, I was informed by postal mail that my Scottrade Bank and Scottrade XXXX account had been closed. When calling Scottrade Bank for support I was given the run around. 

My simple question was why did Scottrade Bank closed my account but I was met with rude resistance and eventually told that Scottrade Bank only provides support to account holders and become my account was closed they could not assist me at this time. 

Furthermore, in the account closure letter, Scottrade Bank stated that my funds would be returned under a separate cover after 7-10 days. Thus far, I have not received the check and have been unable to access my account. 

I would respectfully submit that Scottrade Bank needs to overhaul their customer services policy and properly assist customers. It is not ok for a bank to give unhelpful answers when the bank still has control over the funds of the customer.