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

I have disputed a Chapter XXXX Bankruptcy that is being reported on my file in error. I have requested numerous debt validation request without any response and even contacted the US Bankruptcy Clerk of courts who advised that The bankruptcy courts do not provide information to the credit reporting agencies. The credit reporting agencies, or other information providers, collect information regarding bankruptcy cases from the courts public records. I also pulled a copy of my credit reports and the public records do not even provide the US Bankruptcy Court District that supposedly has the record on file or an accurate case number. I have actually been in communication with XXXX, XXXX, and Transunion since XX/XX/2019. I am requesting how this public information has been validated and requesting to have it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

they have me as a XXXX ftc violations ERRORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.. 


all ftc errors
Product: Checking or savings account

Wells fargo bank employs a practice of charging fees for checks drawn from an account that clear overnight and claim that those checks are from the previous day. I have been carefully monitoring my accounts since XX/XX/2022 and this has occurred 2 times during periods when I have alot of checks clearing from my account. These transactions will not appear when I view my account the night before, then the next day they appear but are dated for the previous day and charged {$35.00} per item. This practice is very deceptive and predatory.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A REQUEST FOR DEBT VALIDATION!! 
In accordance to the FCRA this account XXXX XXXX Has violated my rights This account is being reported as a chargeoff. 

A Charge off is cancelled debt filed on the furnisher tax return and classified as ordinary income and income can not be reported on a consumer credit report as debt. Its inaccurate and violates 15 usc 1681eb max accuracy stating Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

It also violates 15 USC 1681s-2a1a reporting information with actual knowledge of errors It is also harm due to trespass against my rights, Interrupting the flow of commerce, and a Violation against my unalienable right to the pursuit of happiness since it has prevented me from improving my circumstances by being a homeowner Again this is NOT A DEBT VALIDATION OR VERIFICATION REQUEST!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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, 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. 


Account name : XXXX Bank Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Bank Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account number : 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, credit repair services, or other personal consumer reports

I contacted Equifax to remove a Chapter XXXX bankruptcy from my husband and my credit. his have been almost 10 years and mine 8 yrs. They're saying the law states they can't do anything about it. I contacted XXXX and XXXX and they both removed them a year or so ago. So, how is it they can't if the other two did. We filed bk due to the economy and had to close our business. We're back on track and pay our bills on time. We are trying to adopt a couple of children and purchase a home and this is really impacting both of us. Please, Please, Please help us.
Product: Credit card or prepaid card

My XXXX  account shows a " Credit Report Alert '' for a closed Master Card credit card account I had with CITI, Citibank. The alert showed - Amount in h/c column is credit limit, this in the Account Type/Status. The Balance shown is {$920.00}. I contacted Citicards CBNA and followed their instructions to have the item removed from my XXXX  Credit Report. I sent them the information requested in XX/XX/XXXX( XX/XX/XXXX ), they then requested the same information in XX/XX/XXXX. In XX/XX/XXXX( XX/XX/XXXX ) I once again sent them the information they requested to correct this matter. Again they sent me a letter requesting the information, which I received in XX/XX/XXXX.
Product: Credit card

I was about to purchase a XXXX XXXX XXXX through a company called XXXX XXXX XXXX . They offered financing through their company and I thought ok I can do that instead of using my savings. I filled out the credit report which came back approved then started filling out the application on his XXXX when he informed me that the financing was really through Wells Fargo, not his actual company. I do not like nor do I trust Wells Fargo so I said no just forget it and cancel it. He tore up the paper contract and I thought we were done. I told him I would use another method to pay this. A week later I get a credit card in the mail with XXXX XXXX XXXX  on the card, not my name, and I was XXXX. I told them to cancel this card and I KNOW that there is a three day contract cancellation law. I called Wells Fargo and told them to not only cancel this card but have it REMOVED from my credit reports as it affects my scores. They sent me a letter XXXX XXXX telling me that they had research my account and found they were accurate and have now placed a " Compliance Condition Code '' on all my credit reporting agencies. I am furious. I have called them several times now to have this removed but the only way they will do that is if I agree their information is accurate. I am livid. This has impacted my credit rating that I work tirelessly to protect. They refuse to remove this code or even tell me what exactly the impact this can have on my future credit. I WANT THIS REMOVED.
Product: Mortgage

Good day. My mortgage was transferred over to Seterus. I began making my first payment XXXX XXXX. Since that time it has been one problem after another with the financials on my loan. Attached is the complaint letter I sent to XXXX. Since that time nothing has been resolved,. My on line statement tells me one amount due but the statements I receive in the mail give another amount due. I have been speaking with several reps from Sterus and also XXXX from XXXX and nothing seems to change. In the midst of all of these problems I find out that my mortgage payment has went back down to the original amount quoted due to a miscalculation /oversight on Seterus end. I feel as though in the midst of the complaint letter and ALL of the calls, someone from Seterus should have reached out to me by now to assist with this problem to be sure that I am receiving the correct information on my payments. It 's very concerning and frightening to deal with a company who is having difficulty in maintaining my financials on my mortgage payments. XXXX rep tells me they are satisfied with all that has been done but nothing has been done to correct the problems with my account. I have already been through a bad experience once before with XXXX and a loan modification which caused me more problems than good. I just want this resolved and I want to be sure that Seterus is handling my loan the way it should be. At this point if i could switch over loan companies I would because I have NO faith in how they are handling things.
Product: Debt collection

My name is XXXX XXXX, I have in my credit report an account that owed {$690.00} to XXXX XXXX a XXXX XXXX XXXX XXXX, I paid off because I need my credit report to be cleaned, I do not have or ever had a credit card from this store. what can I do to dispute this and get a refund?
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history 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 to be updated. 


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.

EQUIFAX 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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports
Product: Debt collection

I have never received any verification of debt. They appear on my Credit Reports, However never contacted me, never sent me any letters as to who they are and why they are on my credit reports. I contacted this company and their response was that I owed them {$570.00} from an account from 2013. I do not recall owing on any account from 2013. Their response was very vague and not informative at all. I even tried to pay in full as long as they would delete this from my credit report and they told me that, that was impossible to do. They are basically holding my credit scoring in a horrible situation as this is my only negative account. Meanwhile they will not provide me with any verification on this so called account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score
Product: Consumer Loan

The first occurrence was XXXX XXXX, 2015 in the amount of {$370.00} at which I notified the company of the error, the company did not notify me. Second occurrence on XXXX XXXX, 2015 in the amount of {$370.00} at which the company was notified of the same error and is currently unresolved as well, again I was not notified of the error I had to notify them. On both occasions the representatives that I called have requested and they have received faxes of the occurrences on my account at which they confirmed that they were received via fax to the representatives and management team of the company. All documentation showed the amounts debited in error, fees resulted from the error. The representatives and management team has promised as per the conversation to reimburse the amounts and any applicable fees associated with the error. I have met each demand the company had requested, I also faxed them documentation that I want a resolution. I contacted the company and verified they have received all the faxes, and I also requested for everything to be noted on my account. The have only reversed the XXXX charges, however have not reimbursed me for my fees. I was charged {$36.00} for each transaction by my bank as an NSF fee, and I have also been hit with {$140.00} in overdraft fees for my personal charges to my account that went NSF due to the {$370.00} charges. I have submitted written documentation that I want resolution, I also want verification of the error and the solution of the error. The company has not sent me any documentation that I requested, I then requested for termination of my lease with the company as they violated the contract agreement. The company has failed to comply with all.
Product: Mortgage

I applied for a Mortgage with SOFI, I have a XXXX credit score, more then enough assets, what ever they asked for I provided at least twice, and in a timely manner, there web site had numerous problem, that prevented them from not seeing what I sent, even though I can see it, that said I locked into my mortgage on XX/XX/XXXX and its still pending with no end in sight, every time they ask for something I give it, then that ask for more, they give me a day to get it for them, every single time that ask I give, within 24 hours then they ask for more, they admit they lost track of things, I want this mortgage to close ASAP, I more then qualify for this kind of mortgage, Im not taking money out, Im just having the rate lowered, please advise me what to do, SOFI is supposed to be easer to get these things done, yet I can not, again every time I give them what they ask for, they ask for more. 

Thanks, XXXX XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX XXXX STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit card

I got a new Kohls Card from CapitalOne. I wanted to add my wife on the Credit Card as an authorized user. The Customer Service representative disparately treated me by asking me to fill additional forms and sign them because my wife had a different last name. She said that if my wife had the same last name she would add it just based on the phone request but just because my wife has a different last name, she wants me to sign a disclosure. 
Increasingly, spouses in the US are retaining their last name and this is unfair treatment. 
I have XXXX different credit cards from different companies and none of them asked me for such disclosure except for CapitalOne. 

I am now waiting for the forms to add my wife to the account.
Product: Credit reporting or other personal consumer reports

FICO scored lowered XXXX points without a change to credit reporting accounts on XXXX and Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not unsubscibe despite their link. 

YOUR CREDIT REPORT, SCORE & MORE ARE ONLY MOMENTS AWAY XXXX Fri XX/XX/2021 XXXX XXXX  Get your Risk Free Identity Protection today! 
XXXX
Product: Checking or savings account

Wells Fargo Bank after 10 years of banking relationship closed my business account on XX/XX/2018 claiming I was high risk. My business is bank sponsored by XXXX XXXX which classifies me as a XXXX, not an XXXX. With all of the publicized problems, Wells Fargo has shown I feel this is business discrimination. I know there is a coordinated banking operation called XXXX XXXX XXXX and this is an example of it. I feel my business reputation has been tarnished and from a bank with a tarnished reputation, this seems hypocritical.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, I send a letter to the courthouse asking do the report bankruptcies to credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody ''. 
So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. 
They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 whom he is acquainted or who may have knowledge concerning any such items of information, However, such information shall not include specific factual information on consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from creditor of the consumer from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given right 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. State I have the right to Privacy.
Product: Checking or savings account

On XX/XX/XXXX2019 I picked up a bank of America letter/ package that was a response to the cfpb complaint I submitted. The package/did not have a bank of America letter of response to my cfpb complaint as stated to the cfpb that they were not going to send it thru the cfpb due to privacy issues BUT IT DID ENCLOSE the attached information letter regarding a insurance policy thru XXXX XXXX XXXX XXXX XXXX Main street FOR XXXX and XXXX XXXX XXXX NC It stated special homeowners policy. 
So here is my response attached that would not go thru dated XX/XX/XXXX2019 to bank of America screenshots of what I wrote. 
This again is combining my personal info with other unauthorized persons by Bank Of America. I request a response from Bank of America regulatory XXXX XXXX XXXX XXXX XXXX to explain to me why they would do this to me again. I am also making a monetary award of XXXX milkion dollars under the Gramm Bliley act of 1999 for Bank Of Americas failure to protect both my monies and my personal information. I reserve my legal rights in this matter. 
XXXX XXXX XX/XX/XXXX 2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Debt Reporting Act. 

XXXX  XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my righs. 
XXXX XXXX account # XXXX has violated my rights XXXX XXXX account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights XXXX  XXXX  account # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights 15 U.S, C 1682 Section 602 A. : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states : A consumer reporting agency can not furnish a aaccount without my written instruction..

15 U.S.C 1692e Section 8 : updating without showing disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory remark on my credit report from a mail-order catalogue service by the name of XXXX XXXX, of which I have no knowledge of. Once noticed on my credit report a year ago, have disputed with all three credit reporting bureaus without resolution/removal from my credit report. Through multiple conversations with XXXX XXXX, it was uncovered this account was an UNSOLICITED INSTALLMENT ACCOUNT MAILED TO AN ADDRESS OF WHICH I DID NOT RESIDE in XX/XX/2013. The resident or persons who received catalogue purchased items, which were delivered in XX/XX/2013 for {$140.00} and made NO PAYMENTS ON THE ACCOUNT causing a charge-off to the account of {$310.00}. XXXX XXXX was not able to confirm shipping information/receipt as they no longer have access to those records but refuses to remove from my credit report. This is a fraudulent account that I did not solicit nor make purchases of merchandise and had never heard of XXXX XXXX until its appearance on my credit report and am having the most difficult time of resolving this ongoing dispute to my satisfaction.
Product: Debt or credit management

I signed up with Lexington law firm 5 years ago and allowed them to deduct {$100.00} out of my account for 7 months for credit repair, never received any help towards my credit.