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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Packages were stolen And I was told I would have a credit of the entire purchase including the shipping and I wasn't and the remaining balance left on the card was related to the stolen property and the shipping cost related to it and it resulted in a delinquency on my account for about {$37.00} for a few months. I would like to have the delinquency removed
Product: Credit reporting or other personal consumer reports

Experian has not responded to my many letters requesting removal on inquiries that are incorrect and unauthorized. These inquiries are not on the other 2 credit bureaus. I have sent multiple certified letters with tracking and return receipt ( attached ). From XXXX until present day I've been sending letters ( attached ). It is unfair to be ignored and the severity of not taking my situation seriously has caused financial injury and defamation of character.
Product: Credit reporting or other personal consumer reports

Never received letter to opt of credit reporting. 15UAC 6805. XXXX, Transunion, XXXX are non-affiliates of my credit cards
Product: Mortgage

I received a complaint from my mortgage company that the monthly payment for my mortgage loan has not been received for two months and if not received my house will go into foreclosure and i need to submit two payments including late payment fees immediately. I pay online through my credit union and when I check the monies have been deducted from my account on time. So I call the mortgage company and tell them that according to my checking account that they should have the money and their should not be any late fees. The representative tells me that even though my account may have paid the company may not have received the payment on time. I asked if they received the payments and he stated that my account has not been paid yet. So I contact my Credit union who tells me that the issue was handled by a phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXXXXXX XXXX XXXX ) and Account # XXXX ( XXXX XXXX XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Product: Debt collection

I am writing to file a formal complaint against Caine & Weiner regarding a collection account that has caused unwarranted damage to my credit report and has violated my privacy rights.

Despite previously disputing the negative account with Caine & Weiner, the collection account remains on my credit report, tarnishing my financial reputation and character. This persistent inclusion of the disputed account constitutes defamation and continues to negatively impact my ability to access credit and financial opportunities.

Furthermore, I would like to bring to your attention a separate issue regarding privacy violations by Caine & Weiner. I recently discovered that mail from Caine & Weiner was sent to my mother 's house, thereby violating my right to privacy as outlined in 15 U.S.C. 1681 section 602 ( a ). This unauthorized disclosure of my personal information is unacceptable and constitutes a breach of consumer rights.

I urge the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to rectify the situation. I request that Caine & Weiner be held accountable for their actions and that all necessary steps be taken to ensure the removal of the disputed collection account from my credit report.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will address these concerns promptly and effectively. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a letter from a third party debt collector about a debt that I have already went to court on and received judgement against me on in the amount of XXXX and it stated that this balance was accruing interest at the rate of 29.99 percent. I called this company on XX/XX/XXXX to let them know I have a legal judgement on this debt and it is only allowed to accrue interest at the rate Idaho allows, which is 5 percent plus the base rate Of XXXX. The company stated they do not have any information about the judgement and that it will remain at the 29.99 percent until I sent them the paperwork from the judgement. I sent that paperwork on XX/XX/XXXX and then called to get status on XX/XX/XXXX since previous emails asking about status we're going unanswered. I again told them that it was in the courts of Idaho and according to Idaho law any judgement can not accrue interest more than 5 percent plus base rate. The lady then told me the client told her to charge me the 29.99 rate anyways regardless of the judgement so that's what they will do, and if I don't pay they will sue me again on this same debt that I was already sued on, and if I get an attorney good luck and just let them know the name.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX, SYNCB/SAMS, XXXX, XXXX BANK XXXX XXXX never XXXX XXXX I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXXXXXX - XX/XX/year> - {$00.00}
Product: Credit reporting or other personal consumer reports

The court doesn't gave information to the credit bureau abt a bankruptcy Lexis Nexis is a XXXX XXXX credit bureau that has reported to XXXX credit bureau the court systems did not gave them any info abt any bankruptcy so i would like them to take it off my report
Product: Credit reporting or other personal consumer reports

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

On XX/XX/2021, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 60 days after the fact, I have not gotten a reaction yet. I have an inclination that I'm being exploited and being overlooked of my questions. Area 611 ( a ), it is doubtlessly expressed that an inability to examine these things inside 30 days gives motivation to eliminate those things from my credit report right away. It has been more than 60 days, so they ought to be erased speedily. I request these records be erased promptly, or I will petition for suit because of the pressure you caused me. My data was additionally affected by the Equifax information break and may have under the control of some unacceptable individual. 

I XXXX XXXX authorize this dispute on behalf of myself. I have not hired or received assistance from any third party company in preparing or submitting my dispute.
Product: Credit card

A credit card was made out in my name and former company and mailed to my former address. A man claiming to be me knocked on my neighbor 's door and requested the credit card envelope. Simultaneously, all of my mail at my current address had been put on hold for two weeks by an unknown source.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported late payments to credit reporting agencies : XXXX, XXXX, and transunion. All of these companies have different information and are not accurate in each report. In accordance with the fair credit Reporting act XXXX, 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 an account without my written instructions. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I would like every discrepancy removed from my report immediately.
Product: Credit card

I am writing to file a complaint against USAA regarding a recent issue with my credit card account. I have been diagnosed with a XXXX XXXX and have been suffering immensely over the past few months. Despite my best efforts, this illness has significantly impacted my life and emotional state. Recently, I made a payment on the USAA website, but I was reported late to the credit bureaus. This is the first time I have had a late payment, and I am committed to maintaining on-time payments with my account moving forward to avoid any issues.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent letters to XXXX, Experian, and XXXX requesting an investigation into inaccurate information on my credit report. All agencies responded within the 30-day window, indicating a zero balance. However, each agency reported different credit balances. Additionally, the debt was charged off, and I did not receive a XXXX form. Delete XXXX from my credit report immediately. 

According to the Fair Credit Reporting Act, XXXX Account XXXX has infringed upon my rights. Section 1681e ( b ) of the FCRA mandates that consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of the information regarding the individual to whom the report pertains. FCRA 15 USC 1601, part of the Federal Consumer Credit Protection Act, aims to provide meaningful disclosure of credit terms, enabling consumers to compare credit terms more effectively, avoid uninformed credit use, and safeguard against inaccurate and unfair credit billing and credit card practices. Regulation Z enforces the Truth in Lending Act, established in 1968 as title I of the Consumer Credit Protection Act.
Product: Credit reporting or other personal consumer reports

Upon reviewing my most recent consumer report, I noticed bankruptcies listed that I believe to be inaccurate. I have concerns that this may violate consumer privacy protections under 15 U.S. Code 1681a ( 4 ). These bankruptcy entries should not appear on my credit report, and I'm concerned my personal information may have been improperly disclosed without my consent.
Product: Checking or savings account

I am the victim of Bank Employee Impersonation Fraud. On XX/XX/2022, I was contacted by someone impersonating a Wells Fargo employee. This person communicated to me that my account had been hacked and subsequently successfully stole nearly {$23000.00} from my business account via a wire transfer. Although Wells Fargo has indicated that I am a victim of fraud and has cited multiple reason why that answer is justified. They have refused to give me my money back. This is unacceptable and must be looked into. This money belongs to XXXX XXXX XXXX and will be used for XXXX  in the XXXX. I have responded to every request that Wells Fargo has made, including sending a copy of my text messages.
Product: Debt collection

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. In this case XXXX XXXX XXXX is attempting to collect XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Product: Vehicle loan or lease

Approximately XXXX to XXXX months ago, I called Wells Fargo to dispute the interest charge for my car loan. I conducted my own payment calculation ( using the XXXX function in XXXX ) and concluded that the company was overstating the monthly payment. My request was escalated and routed to an agent named XXXX XXXX in the XXXX XXXX XXXX XXXX. XXXX XXXX called me to confirm my complaint and then sent me a letter in the mail confirming his interpretation of the method by which the monthly payment was calculated. My issue with this is that I'm disputing the monthly payment but XXXX XXXX used the APR that is incorrect to come up with this monthly payment. 

I called Wells Fargo approximately one week ago to speak to XXXX XXXX but was told that my case was closed. I called three separate times that day to speak to XXXX XXXX but could not get through even though I called his direct line. Each representative I spoke to told me that they would leave a message with XXXX XXXX to call me back. All the while, I had sent a formal request via fax to his office to formalize my compliant. Please see attached request.
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft i found a few account that is not mine i have 2 businesses and i don't have any collections and they removed it couple months ago and now they put it back on my Experian without notifying me or mailing me or calling me or emailing me and this is illegal they broke the law and violated my rights this is illegal as of 15 U.S Code 1692g validation of debts these guys have no respect for the laws and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose please remove it from my report : XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX and these inquiries were without my permission : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Checking or savings account

Ongoing issue with Wells Fargo, sent a complaint to CFPB regarding issue and still found not in my favor. However, wells fargo has lied in their resolution letter and attempting to steal XXXX dollars from me.

Wells fargo states " a letter was sent to your address we have on file advising you of that information and that provisional credit of {$1500.00} previously provided to you will be deducted on XX/XX/year>. 
Please note that due to the fact that the additional information we requested was received after the closure of the claim reference XXXX, that resulted in opening a new claim to review the additional information and that claim case number is XXXX " wellsfargo claims that due to not providing information before closure of claim, I am not eligible. 

1 ) Wells fargo claims assistance stated on phone i did not need to provide information 1st via phone 2 ) I provided information after a new phone agent stated I actually did need to send an email, and this information was provided on XX/XX/year> before the closure, so again, wells fargo continues to lie.
Product: Vehicle loan or lease

Ally bank funded a car deal without ever received the title In my name.

I have called ally for assistance in the acquisition of my title and registration but ally bank has not helped.

I am making payments to ally bank for a car that I can not drive legally I purchased the vehicle on XXXXXXXX XXXX,2024 dealers have XXXX  days to send over title and Registration, it is XXXXXXXX XXXX,2024 and the bank still has not acquired the title from their dealership. 

Service contract is included in financing agreement but I have no information on who it is with and when I signed up for it, so I tried to have that cancelled as well but I have not heard back from ally bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX FILING A LAWSUIT AGAINST Equifax Information Services LLC! Equifax Information Services LLC is transferring XXXX XXXX nonpublic personal information without any of my lawful consent. Ive filled a FTC Complaint against Equifax Information Services LLC and will be writing the CFPB to investigate Equifax Information Services LLC for all deceptive business practices act and unlawful practices with prejudice! As dated XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts listed on my credit report that I want removed asap. I tried before and the response was that I hired a credit repair. This is crazy. I didn't hire anybody. I just know my consumer rights. The company is violating my consumer rights. I have several violations. The first one is 1681a If a transaction was authorized by your social security card, the real credit card first defined in truth and lending act, this transaction must be excluded from your consumer report. The FCRA also defined a credit card as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This definition makes my social security card a credit card. The accounts was authorized by my social security card, a credit card and must be excluded from my consumer report. The two accounts are as follows XXXX XXXX XXXXXXXX opened XX/XX/2021 the account is closed and paid in full with no late payments. I demand that they erase this account. 
XXXX XXXX opened XX/XX/2021. This is not my account, and the company told me it was verified by my social security number. I demand that this account be removed.