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

I have tried on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to fix these issues with Equifax . To dispute this inaccurate information which is violating my consumer rights. XXXX  account # XXXX and XXXX XXXX XXXX only the one opened on XX/XX/XXXX have been disputed for mulitple inaccuracies. The most recent in results says that this was verified. HOW? where is the proof of my signature? where is the signed contract? 

XXXX XXXX is reporting inaccurately because : -how is it opened on XX/XX/XXXX and deliquent on XX/XX/XXXX? It doesnt make sense -5 months recieved payments? when? payment amount? 
-How is this account not reported until XX/XX/XXXX? 
-No close date reporting? 
- and reporting open? No credit limit? 

XXXX XXXX -how is this past due and charged off?? 
-no date closed yet? ITS CHARGED OFF? Its not OPEN!!! 
-How is the charge off amount higher than past due balance? 
-Where is high credit? Credit Limit? Payment amount? 
All these are clear violations of my FCRA and FDCPA rights as a consumer.
Product: Mortgage

in XX/XX/XXXX my Heloc loan was transferred from SLS to Shellpoint/Newrez . My payroll checks were directly deposited into my Heloc account. Newrez did not acknowledge the deposits. After several phone calls and documentation proving the direct deposits went into the account, Newrez acknowledged 2 of the deposits in XXXX. The deposit made on XX/XX/XXXX was identified as a " loan advance '' and the amount was a debit to my account balance in lieu of a credit. After several calls and back-up documentation proving the deposit, still no resolution. As a matter of fact, I'm being badgered by the debt collection agency, Shellpoint. I have been paying interest on an incorrect account balance and Shellpoint has yet to identify the vendors they have sent my money to. additionally, on my last statement they are charging interest and XXXX fees with no explanation. Over 5 months of unbelievable frustration.
Product: Debt collection

On XX/XX/XXXX the US Collections West client - XXXX XXXX after an onsite audit or their books entered into a Consent Order due to Trust Account Irregularities for the 3rd or 4th time in the last few years. On XX/XX/XXXX this account was sent to US Collections West by  XXXX. A collection trade line was put on my XXXX credit   report. US Collections West never sent me any initial letter informing me this matter had been placed with them and my rights to dispute the validity of the debt, nor did I ever get any phone calls from them. Even one call would have told me they had been assigned this matter.The way I discovered that XXXX had sent this matter to US Collections West was not until XXXX or XXXX of this year, XXXX, When I began to pull my credit reports because I kept getting denied for auto financing. 

When I first saw this collection record on my cbr and XXXX did I make the connection. It all became very clear when I went to the AZ Dept of Real Estate site and found the report by the auditors of XX/XX/XXXX and this was placed with US Collections West in XX/XX/XXXX. I dont recall seeing a collection record on my XXXX  or my XXXX   just XXXX.
Product: Credit reporting or other personal consumer reports

I have paid off 3 or more debts on my account and my score never changed My credit card with XXXX was paid off and they took {$1500.00} from my card, I paid off a vehicle and my credit didn't change and all my student loans was paid off see and nothing change I just see my score decreasing and I'm confused.
Product: Credit reporting or other personal consumer reports

Im not liable for this debt with XXXX XXXXXXXX XXXX nor do I have a contract with XXXX XXXX XXXX. 
They didn't not provide me with the original contract as required.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency.
Product: Vehicle loan or lease

Fair Debt Collection Practices Act ( FDCPA ) ** : This federal law protects consumers from abusive debt collection practices. If a creditor fails to inform you of your rights, it may be considered a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

Ally Financial Ally XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Dispute of Late Payment Reporting Dear Sir/Madam, I am writing to formally dispute the late payment ( s ) reported on my credit report associated with my account, in accordance with my rights under federal law. The reporting of these late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the fair credit XXXX Account ALLY FINANCIALXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
3. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit card420 account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b.

The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ).

I request that you conduct a thorough investigation of the reported late payment ( s ). If the information is found to be inaccurate or unverifiable, I expect it to be corrected or removed from my credit file promptly, as required by law.

Please provide documentation verifying the accuracy of the late payment ( s ), including but not limited to : 1. Proof of the payment due date and the date payment was received.

2. An explanation of how the payment was deemed late, in light of the statutory requirements.

3. Confirmation of compliance with the legal grace period outlined in 15 USC 1666b. 

Failure to address this matter accurately and promptly may constitute a violation of federal law, and I reserve the right to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies.

Please respond to this letter within 30 days as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I Called XXXX XXXXXXXX XXXX  to check if I can get my credit Card limit to be increase, and I asked them if is going to be a hard inquiry or soft pull on my credit report, I was told is going to be a soft inquiry only and will not be a hard inquiry without my consent, then I told him in that case I want to go ahead to see if I can get my credit card limit increase, Also I made it very clear if is going to be a hard inquiry on my credit report I will not be interested to apply, the person on the phone told me no worry will not be any hard inquiry without my consent. anyway I apply and I was approved for credit line increase but next day I received a notification from the Experian Credit Bureau that was a hard inquiry by XXXX XXXX XXXX, I contact XXXX XXXX about this issue and I filed a case with them and I was told is going to take up to 10 days for investigation. Few days later I received a letter from XXXX XXXX to confirm that was an error from XXXX XXXX and they will contact Experian credit bureau to request the hard inquiry to be remove from my credit, until today nothing is been remove, I contact Experian myself and they inform me they have not received anything letter or fax from XXXX XXXX regarding my issue, I contact XXXX XXXX several times for help but every time I contact them they said we have requested the hard inquiry to be remove and they open new case for me, again until now the hard inquiry still on my credit file. 
Here all the case number I have filed with XXXX XXXX regarding this issue the first case was Filed On XX/XX/XXXX, Case # XXXX, the second Case was filed on XX/XX/XXXX, Case # XXXX, the third case was filed today XX/XX/XXXX, Case # XXXX, The phone number for XXXX XXXX XXXX, as you can see every time I call XXXX XXXX they keep opening new case for me but without any solution to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called Fed loan servicing to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the XXXX is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my miserable family? Please I need help.
Product: Credit card

AT & T Universal Card / Citi received my payment electronically on XXXX/XXXX/16. They credited my payment one day after the due date of XXXX/XXXX/16 and charged a late charge of {$26.00} on XXXX/XXXX/16. I brought this discrepancy to their attention and they refused to remove the late charge.
Product: Debt collection

HI SOUTHWEST CREDIT SYSTEM ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Checking or savings account

I have an IRA CD with US Bank that matured in XXXX. I contacted them within the grace period with a request for a direct transfer to XXXX XXXX XXXX XXXX XXXX XXXX all forms were faxed to US Bank. They denied the transfer saying a requested date was needed. We provided that. They still denied the transfer saying they needed an address for XXXX XXXX. This is on the fax. They refuse to let us speak with the IRA CD team or a supervisor. We have complied with everything they have asked and they refuse to transfer my money. The amount is in excess of {$250000.00} and they are holding it in an account paying 0.25 % thus costing me about {$1000.00} per month in lost interest.
Product: Debt collection

To XXXX XXXX this is in response to the letter in connection with the CFPB complaint number XXXX. The letter doesn't address the three clear violation which i laid out with proof in connection with those statutes. You have violated 15 U.S. Code 1681 ( 2 ) Limition on Creditor. In regards to the prior identity theft claims, at this point those a moot as there are statute violations which supercede the identity theft claim as the violations prevented me from qualifying for {$250000.00} business loan. To thrwart any further litigation remedies all i ask is that you DELETE the accounts from XXXX and XXXX as XXXX already deleted the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

DEPT OF EDXXXX Account # XXXX, has violated my rights. 
XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
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 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 or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Wells Fargo Bank, they're portal asked for money amount then showed no placement for account or router number, XX/XX/year>2024, the domestic wire transfer took went to an account at XXXX XXXX XXXX under business name XXXX, to a good router and account number XXXX/XXXX/2024 Wells Fargo shared information that the owner of the account is not responding. I received several claims numbers from Wells Fargo and escalation Departments.
Product: Credit card

On XXXX XXXX I returned home from work to check my mail. My mail had a credit card from Capital One which was a Capitol One Ventures Credit Card. The card has my name and was filed with my correct social security number and was done in Indiana where I am not from. Im from the XXXX and I did not apply for a credit card. I never activated the card. The card has my correct name which is weird because my name is not a common spelling and they have my middle initial. I called the Capitol One customer service line from the internet. The company has canceled the card and has launched a fraud investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, XX/XX/XXXX, I became aware of a negative item from XXXX Card Services appearing on my credit report with all three major credit reporting services. An account with XXXX was allegedly defaulted in XXXX and charged off shortly thereafter. I filed a dispute with each and the item was allegedly verified by XXXX. I then wrote XXXX  on XX/XX/XXXX, requesting they validate item under the FRCA by providing competent evidence bearing my signature or other item stating that I have or ever had a contractual obligation to them. I received two letters from XXXX  dated XX/XX/XXXX. Each letter was from customer service and bore no name or signature. One letter contained only a copy of statement purportedly from the period XX/XX/XXXX-XX/XX/XXXX. Letter 2 contained only a copy of a purported statement from XX/XX/XXXX-XX/XX/XXXX, with no explanation of any kind. These statements were 15 years old. It appears obvious they have nothing bearing my signature or anything to show a contract and they are obfuscating that fact with only these very outdated statements.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and saw that it was fraudulent account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I got hit with 2 hard pulls was sent to my email from XXXX at XXXX. I called XXXX XXXX when I saw the emails. As this was never authorized by me. They told me that someone tried to apply for a XXXX  and a XXXX   card i believe were the 2 cards. I did not authorize these or any cards on said date. The customer service rep told me they would remove inquiry 's but I just wouldn't to make sure here this happens since I am on XXXX   and it is showing inquiry. They had said to me I would get a letter in mail stating that this would come off any credit reports.
Product: Credit reporting

I have tried numerous time disputing hard inquiries with Equifax. I did not apply for a job nor was I granted credit with these people and I want them removed. I have sent certified letters to both creditors and Equifax with no response. Some were Return To Sender. If it 's not a real company than how can they pull my report? Equifax refuses to delete them from my file.
Product: Credit card or prepaid card

Commerce bank returned a payment made through billpay on XX/XX/2022 claiming my account never existed using the ID number on the bill. They would assess a late fee and deny I ever sent a payment and insist the late charge stay. They would promise to let me speak to a manager and then hang up on me and not answer any call since that incident. About an hour later Commerce Bank would call me and try to coerce me into paying this illegal late fee and deny that they ever returned a payment once again. I have stated that refusal to accept the balance transfer payment for the balance due minus the illegal charge would be their voluntary forfeiture of the balance and hang up. Commerce Bank has had me blocked from having online access to my account for 2 years because I am XXXX  Responses to this resulted in nothing more then their ban being left and Commerce Bank continuing to send me prewritten instructions on how to set up an online account but kept failing to address why I was blocked from having an online account. This was in retaliation to me winning a fight against their attempt to block a legal name change by simply ignoring it and claiming me changing my name XXXX XXXX affirmation purposes is against their security policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to submit this complaint because i have tried to contact you multiple times via the telephone and by the mail regarding this but I never was able to get my issue resolved. You never responded to my pleas. My credit report obtained recently shows a derragatory report posted by XXXX XXXX bank as XXXX, as derogatory with the words charge off next to it. During this period I was dealing with the the deaths of both of my parents. I was forced to assume responsibility for their medical and other end of life needs. I only missed one credit cardpayment. I called multiple times and multiple times a XXXX XXXX phone customer service rep assured me that XXXX XXXX will remove it all. The customer service reps were graciously understanding and indicated that the late payments from this tumultuous time would not affect my credit. I am attaching the 2 death certificates of my parents as proof. Note, I was never told that by paying the balance in full I would be subject to a derogatory report on my credit. If I had known I would have done something else. I was tricked by XXXX XXXX.