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

XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX  reports {$500.00} experian reports {$0.00} XXXX reports {$360.00} they are reporting 3 different dates of last payment on my report XXXX  and experian are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX but if you look on the 2  year payment history XXXX is also reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active XXXX  reports XX/XX/XXXX experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf to delete the following information in my file. The items listed i need deleted are mentioned here in this FTC report. I am a victim of identity theft and did not open these accounts. These accounts fall under the FCRA 15 USC Codes 1681i and 15 USC Code 1682g. As a federally protected consumer, I demand the removal of these listed accounts immediately.
Product: Bank account or service

My bank recently closed my bank account due to an reporting by USAA to XXXX. I got a copy of my XXXX and it is EMPTY. Nothing on there but apparently USAA reported me to Early Warning Services XXXX by in XXXX and I have NEVER even opened a USAA or heard of them. I contacted bank to ask to remove XXXX XXXX report and they said since its from XXXX they ca n't see that far back and that its was written off. They then invited me to open a new account. Please make them remove the XXXX XXXX XXXX report. 

This is making a mess of my financial life. I want to see proof with my signature on it that I opened these accounts. If you can not provide documentation with my signature, I demand these XXXX items be removed from XXXX XXXX XXXX XXXX XXXX. I will be filing a lawsuit in CA court on Tuesday. 

Account # 's XXXX and Account # XXXX
Product: Debt collection

I had looked on to my XXXX XXXX sometime late XXXX. I noticed I had XXXX account on my collections. I contacted the number that showed up in the collections which I kept getting transferred to a third party called IC system which they demand I provide my information to them to so they can verify. At first I wasnt sure if it was an XXXX cable account that was linked to my home address. I provided my SSN, D.O.B MY home address and debit card number which I later found out they tried to set up a payment plan to get the unknown debt collected. When I called twice they verified that it was actually a Mobile phone which I expressed to them I am not aware of that account. It was a lot of going back and forth with XXXX XXXX debt collector as they do not care who this account belong to even if it is Identify theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reached out to experian as well as XXXX and they told me that a woman i have never hear of in my life put me in her XXXX XXXX  bankruptcy also Experian is saying XXXX is getting there information through pacer I never gave nor do I have an account with XXXX the United  bankruptcy court say they dont give out this information so how does pacer have it this has caused me to be unable to get a home loan, business loans, car loans and much more. i demand this be removed from my credit reports also Experian is saying theyre getting it from the bankruptcy court but then XXXX XXXX are saying there getting from XXXX  thats an accurate information
Product: Credit reporting or other personal consumer reports

To whom it may concern, I just checked my experian credit report and I've come across a lot of unknown credit inquires and I never consented of this and don't recall. I refuse this to allow this to sit on my credit report when I didn't authorize any of these company to run my credit. All of these took action on XX/XX/year>. These companies and bank include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report.
Product: Credit reporting or other personal consumer reports

I settled a credit card account with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XX/XX/2022. They are still reporting this debt as an active collection. I have filed numerous complaints about this through this portal and the credit bureaus are not making the appropriate changes to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On Tuesday XX/XX/XXXX, a Debt Collector named Sunshine Services sent me a text stating they are a debt collection agency. I went into their website and couldnt get any information. So I called them and the agent who called me stated I am on a recorded line. I also informed them they are also on a recorded line so staying on the call is consent to be recorded. They stated they were fine with that. They stated that I owed a debt to Spectrum and of course I had no idea about this debt so I denied the debt, they wanted to negotiate and I stated I need the debt to be validated. They stated they do not own the debt they are working for XXXX. She started to raise her voice and refusing to answer any of my questions. The call ended with Sunshine Services hanging up on me rudely with none of my questions answered nor did they validate or verify anything with me. After I have already explained to them that I would be dealing with directly they still sent the letter for trying to collect on this debt. After I was rudely hung up on XX/XX/XXXX.
Product: Mortgage

The company that I am speaking about is XXXX XXXX XXXX XXXX   also known as Loancare the issue that Im having is they charge me every time I make a payment up to {$12.00} extra the only way for you not to get charged is to mail your payment in and have it in by the XXXX  of every month. Everybody has a grace period to the XXXX  of every month. Ive never had this trouble in the 13 years Ive had this home Ive always paid by phone or online at no charge every month this is costing me {$12.00} I cant make the payment by the first because of the way I get paid and I use the Grace period And Im never Late I find this totally unfair if you pay by the XXXX  youre charged {$10.00} if it goes past the XXXX  they charge {$12.00} even if you call it in by the XXXX  or the XXXX  you have to mail it in and they have to receive it by the XXXX  in order for you not to be charged this is not fair at all please advise they are  taking my money every month. They took over my mortgage from XXXX and I dont like when they switch mortgages without my permission they do it that they notify me but I refuse to pay the extra {$12.00} a month please advise
Product: Credit reporting or other personal consumer reports

My credit report showed my credit was pulled on XX/XX/ and I didnt apply or authorize a hard pull by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT XXXX Phone number ( XXXX ) XXXX I have spoken to 3 representatives and they show no account or application but will not dispute the hard inquiry. I put a freeze on my credit and added extra monitoring.
Product: Money transfer, virtual currency, or money service

We sent on XX/XX/XXXX an International Wire-Transfer ( XXXX ) in the amount of {$49000.00} from our bank Wellsfargo, account number ending in XXXX, to a XXXX XXXX company named " XXXX XXXX  XXXX XXXX XXXX XXXX '' as a trading transaction to purchasing products. 

On XX/XX/XXXX we complain to Wellsfargo regarding the company not receive any funds. 

On XX/XX/XXXX we amendment the company address. 

On XX/XX/XXXX ask Wellsfargo to trace the Wire-transfer ( NO RESPOND ) On XX/XX/XXXX ask Wellsfargo to trace the Wire-transfer ( NO RESPOND ) On XX/XX/XXXX ask Wellsfargo to trace the Wire-transfer ( NO RESPOND ) On XX/XX/XXXX, after multiples complaints, we recall the wire and cancel the transaction since the company never receives the funds. 

On XX/XX/XXXX we complain we re-open the recall the wire. They open a case number : XXXX / service order case # XXXX On XX/XX/XXXX, Wellsfargo give us the copies of the emails and say XXXX XXXX was investigating, after that ( NO RESPOND ) On XX/XX/XXXX internal Wellsfargo bank communications say : " PLEASE BE ADVISED, THAT WE HAVE CONTACTED XXXX FOR DEBIT AUTHORIZATION ON SEVERAL OCCASIONS. HOWEVER, WE HAVE BEEN UNABLE TO OBTAIN DEBIT AUTHORIZATION TILL DATE. WE RESPECTFULLY SUGGEST THAT YOU CONTACT XXXX ( received on XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

I am writing to bring urgent attention to a deeply troubling situation involving Capital One 's systems being down for nearly 48 hours, resulting in significant delays for direct deposits, including my own paycheck.

As of now, I have not received my paycheck, which has caused severe financial disruption for my family and me. This delay is unacceptable, but what compounds the issue is the utterly inadequate way Capital One has handled the situation : Lack of Transparency : When I contacted Capital One customer service, they were not forthcoming about the reasons for the delay. Shockingly, a representative informed me that they only became aware of a " tech issue '' through customers, not internal communication. This lack of preparation and transparency is alarming. 

No ETA for Resolution : Despite the widespread impact, Capital One has failed to provide an estimated time for when their systems will be back online. Thousands of customers, myself included, are left in the dark about when we can expect access to our funds.

Severe Consequences for Customers : Due to this delay, autodrafts for essential payments have already been declined, putting my family in a precarious financial position. If this issue is not resolved today, we will be forced to go through an entire weekend without access to funds, creating unnecessary stress and hardship.

This level of service and communication from a major financial institution is beyond unacceptable. Customers depend on their banks for reliability and transparency, especially regarding something as critical as their paychecks. The mishandling of this situation has eroded my trust in Capital One, and I will be moving my business to a more dependable institution. 

I urge you to investigate this issue to highlight the impact it is having on thousands of customers and hold Capital One accountable for their failure to address this crisis effectively. 

Thank you for your attention to this urgent matter. 

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

I believe XXXX is reporting inaccurate information on my credit report and has not adequately addressed my concerns during the dispute process. I am seeking a resolution to ensure that my credit report accurately reflects my financial history and that the dispute process is handled in compliance with applicable laws and regulations. 

Jpmcb auto finance Acct number : XXXX XXXX XXXX XXXX Acct number : XXXX
Product: Credit card or prepaid card

1.I have never had an account with this company BARCLAYS BANK DELAWARE XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are BARCLAYS BANK DELAWARE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 168XXXX.
Product: Payday loan, title loan, or personal loan

onXX/XX/XXXX2017 I took a loan out with big picture loans for XXXX and said my payment would b XXXX every two weeks for 20 payments total payments would be XXXX Apr 497.6311 they did n't show the truth in learning until after the loan was proceced only paying the interest nothing for the principal I 'm struggling ca n't continue to pay for this loan
Product: Mortgage

Client attempted to work with Carrington Mortgage as her loan was transferred from XXXX that already had been Modified. She finally came to Housing Counselor and we submitted a package stating the reason for delinquency is payment dispute. we are including with this complaint the document sent to Carrington and the work out she had been offered by XXXX. # 1. she was paying payment that was being held in suspense, # 2 they have capitalized the arrears into the loan and said the suspense funds were applied to the arrears that they held without applying to the mortgage payments. 
We were informed we need to send a dispute to Carrington- which Counselor will do in conjunction with this complaint. She stopped paying the payment when counselor advised to stop sending payments as they were holding funds of XXXX as of XXXX XXXX, 2016.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX org credit : XXXX XXXX  {$550.00} it's on there twice. XXXX org credit  : XXXX XXXX XXXX {$1300.00} XXXX org credit : XXXX XXXX {$550.00} XXXX org credit : XXXX  XXXX XXXX  {$1300.00} XXXX XXXX XXXX  XXXX org credit : XXXX XXXX {$1000.00} XXXX XXXX  XXXX org credit : XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX charge off XXXX XXXX XXXX  XXXX charge off XXXX XXXX closed XXXX XXXX XXXX closed 15 USC 1681 section 602A : states I have the right to privacy 15 USC 1681 section 604Ab section 2 states that a consumer reporting agency can furnish a account without my written instructions 15 UMC 1681 c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 UMC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or has reasonable cause to believe the information is inaccurate I have also reported identity theft and requested original contracts and have not heard nothing but it's being processed disputes because these accounts I have no idea about
Product: Credit reporting or other personal consumer reports

My identity and data has been breached per all three bureau and I would like to have my credit report clear of all inquiries a well as my credit accurately reported I dont have any debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. my information was stolen from me as evidenced by my credit report and score I never needed my credit so I never paid attention to it. Now when I am about to purchase a house, I saw all the negative accounts on my credit report. I contacted the federal trade commission and have attached all my documents the federal trade commission told me to do
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ComenitybankXXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please read letter sent via email on XX/XX/2023 and on XX/XX/2023 Via certified mail # XXXX - Logged by USPS as Delivered to front desk reception on XX/XX/2023 at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX CC : XXXX ; XXXX XX/XX/2023 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Dear XXXX XXXX XXXX, This letter is a formal complaint that you are reporting inaccurate credit information to credit reporting agencies. According to the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ), you are required by federal law to provide accurate information to the credit reporting agencies. 

I have informed you for months on multiple phone calls and in direct interactions with branch staff that the information you are providing the Credit Reporting Agencies is inaccurate. This letter is my final attempt to bring this harmful reporting of inaccurate information to your attention and to give you a final opportunity to correct the matter. 

Your failure to positively and accurately report this account has hurt my ability to obtain credit and has caused my family and me both financial harm and extreme emotional distress. 

I demand that all erroneous reporting be corrected dating back to the breach of XXXX  verbal agreement with me concerning my approval for 6 months of COVID-19 forbearance on my Auto Loan account # XXXX. 

Should this harmful behavior continue, I will be forced to contact the relevant agencies to ensure that the appropriate action and sanctions for your violations of law are applied as it is of the upmost importance that no other members of the public have to suffer the emotional and financial harm that I have endured over the last year and a half as a result of XXXX willful disregard and violations of consumer protection laws. You have 14 days from the date of this letter to cure. 


Sincerely, /s/ XXXX XXXX XXXX XXXX