23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

CAL CODE OF CIVIL PROCEDURE 337. Written obligation ; Four years, Cal Code Civ Proc 337 337. Written obligation ; Four years Within four years : ( a ) An action upon any contract, obligation or liability founded upon an instrument in writing, except as provided in Section 336a ; provided, that the time within which any action for a money judgment for the balance due upon an obligation for the payment of which a deed of trust or mortgage with power of sale upon real property or any interest therein was given as security, following the exercise of the power of sale in such deed of trust or mortgage, may be brought shall not extend beyond three months after the time of sale under such deed of trust or mortgage.

( b ) An action to recover ( 1 ) upon a book account whether consisting of one or more entries ; ( 2 ) upon an account stated based upon an account in writing, but the acknowledgment of the account stated need not be in writing ; ( 3 ) a balance due upon a mutual, open and current account, the items of which are in writing ; provided, however, that if an account stated is based upon an account of one item, the time shall begin to run from the date of the item, and if an account stated is based upon an account of more than one item, the time shall begin to run from the date of the last item.

( c ) An action based upon the rescission of a contract in writing. The time begins to run from the date upon which the facts that entitle the aggrieved party to rescind occurred. Where the ground for rescission is fraud or mistake, the time shall not begin to run until the discovery by the aggrieved party of the facts constituting the fraud or mistake. Where the ground for rescission is misrepresentation under Section 359 of the Insurance Code, the time shall not begin to run until the representation becomes false.

( d ) When the period in which an action must be commenced under this section has run, a person shall not bring suit or initiate an arbitration or other legal proceeding to collect the debt. The period in which an action may be commenced under this section shall only be extended pursuant to Section 360.

Californias Statute of Limitations on Debt The statute of limitations on debt in California is four years, as stated in the states Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment. The limitations period begins to run as soon as the cause of action accrues ; that is, from the occurrence of the last element essential to the cause of action. ( Neel v. Magana, Olney, Levy, Cathcart & Gelfand ( 1971 ) 6 Cal.3d 176, 187. ) Reporting this misinformation is in direct violation of my consumer rights stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, 12 CFR 1016.7
Product: Debt collection

My company had a default judgement which i did not know until XX/XX/2020. 
The total money in our bank account was from SBA for Economic Injury Disaster Loan under CARES ACT we got back in XXXX for financial assistance. Under California Governor XXXX XXXX XXXX    Executive Order N-57-20, the fund levied from my business account is exempt from any attachment, levy and garnishment. 
I sent the documents from SBA that the money was from Disaster Loan and sent the copy of the executive order to the bank.

The banker escalated and told me that the money is not falling under exemption so that they are still seizable.

I asked to talk to supervisor and XXXX answered and giving me an attitude with lousy voice. She was telling me to talk to Sheriffs office  which i did. But, i told them to go over the documents that i faxed. She did not even care for it. 
What a great service that i got from Wells Fargo. 
I have been having a Wells Fargo business account for more than 5 years. Legal processing team was the worst department that did their job right. 
The bank is not supposed to take the money for CARES ACT ( financial assistant money ) and returning all the other scheduled payment and charging me for the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft occured with serveral accounts that are listed on my credit report! 
All listed fraudulent accounts were sent to each credit reporting agency. It is a violation of my Privacy Act and against the law for someone to use my personal information to commit fraud. 
Police report is available to substantiate claim with an XXXX  and person charged and taken into custody! 
REMOVE ALL ITEMS LISTED TO CREDIT REPORTING AGENCIES
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Bread Financial, which I have several cards through employs a practice of not allowing log ins and repeated outages when trying to log in to pay your credit card bill. The site states it does not recognize you, prompts you to choose a new passoword, says it can not find your account and urges you to use quick pay, where you can not see your statement, or look at your payment history. When you call their is a service charge to pay by phone. This is a well known issue please XXXX  it. They also assess late fees which is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is inaccurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts : XXXX XXXX XXXX XX/XX/year> Original creditor XXXX XXXX XXXX  {$910.00} XXXX XXXX XXXX XXXXXX/XX/year> Original creditor : XXXX XXXX {$1000.00} XXXX XXXX XXXX XX/XX/year> Original cred : XXXX {$170.00} XXXX & XXXX XX/XX/year> XXXX XXXX : XXXX XXXX XXXX {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Never did any business with this company
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$740000.00}
Product: Debt collection

I am interested in disputing all inaccuracies on the credit report with Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit I realized some fraudulent charges. So I went to FTC file an identity theft affidavit. I also sent information in to the collections agencies which seem to be ignored. So now Im sending my compliments to cfpb. The following account are XXXX  XXXX XXXX account number XXXX XXXX  XXXX  account number XXXX XXXX XXXX XXXX XXXX} account number XXXX XXXX XXXX XXXX XXXX  account number XXXX All of the above listed accounts are fraudulent. Ive never done business with these companies or entered into A written contract with his company. 
please see attached FTC report which will be very clear so please dont say you cant see it as to what you keep sending back generic letters in the mail. please see proof of identification per FTC
Product: Debt collection

I contacted XXXX XXXX XXXX XXXX on approximately XXXX about consolidation of XXXX Discover accounts. They told me that they would take care of both accounts and not to get involved if they contacted me. A man named XXXX XXXX from XXXX XXXX assured me that they would settle both debts. I agreed to pay {$XXXX} a month and they could have access to my checking account. On XXXX I was issued a summons from XXXX XXXX in XXXX XXXX XXXX  for XXXX XXXX XXXX on behalf of Discover Bank. They had not received any payments since the one I made in XXXX of XXXX. I called Discover and they said if I would have contacted them sooner we could have reached on an agreement but it was too late. I called XXXX and sent them copies of everything I had received from the XXXX. They said that I had not enough funds to negotiate both accounts and that it would be another XXXX  months of payments before they could do anything. I cancelled my agreement with them and asked for them to return any unused funds. They replied there wasn't anything. I feel I was misslead any severely damaged my credit an gave them a lot of money for nothing.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan account opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX And a personal credit card at XXXX XXXX XXXX XXXX XXXXXX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts and collection in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX The requested investigation did not provide the documentation or update my credit report therefore they ... XXXX XXXX XXXX XXXX  have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715,719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Mortgage

In XX/XX/XXXX I was put in foreclosure. I hired XXXX XXXX XXXX to help me with this. Filed XXXX XXXX. Since that time, I make the required payments and the Notices from Wells Fargo continue to go up and 'NEVER ' shows payments made. Their notices sent to me continue to to show total payment amount going up, payments made are not shown on their mailing. 
In past, owned this home since XXXX, I never got credit for payments made. I found this to be troubling so I started mailing checks in. They never 'cash ' those checks I mailed in. What kind of business doesn't cash your payment checks?? 
I need assistance with this troubling mortgage company. I would go with another bank, but Wells Fargo has trashed my credit for years and I'm not going to get a fixed 4.75 % interest rate like I have now. I am XXXX XXXX XXXX, single, XXXX XXXX XXXX XXXX XXXX XXXX, 40 hour week, make my payments on the XXXX of every month when I get paid. Wells Fargo needs to acknowledge my payments. I have requested from them payments received since XXXX and I have yet to receive the paperwork I requested. SOMEBODY has that information. A friend spoke to an employee who was leaving work on my issue. The employee stated making payments on line will not give you a trail to follow on payments, they suggested writing checks. Of course I already figured that out and that's why I make payments by check. There needs to be oversight on their practices.
Product: Credit reporting or other personal consumer reports

I recently financed a vehicle through XXXX XXXX XXXX. I specified which lenders the dealership was authorized to run my credit with, but they arbitrarily ran my credit with lenders that I did not authorize. I contacted XXXX to explain the situation and they did dispute and delete duplicates, but they did not remove all of the inquiries I noted that I did not authorize. The instead told me to contact each lender individually and request that they send XXXX a notice to delete the inquiry. In this case, where I did not authorize the hard inquiries and also do not have the necessary contact information to dispute each item individually, I am writing to CFPB in an effort for a swift resolution as I now have XXXX unauthorized hard inquiries that are not scheduled to be deleted until 2027.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX kept payment without adjusting the account.
Product: Vehicle loan or lease

I leased a new XXXX through XXXX XXXX. I have been driving the car for 3 weeks now and just received a letter from XXXX telling me they raised my monthly payment by {$4.00} because the tax rate was different where I live verse the area where I leased the car. Can they do this or is my lease contract binding for my agreed payment. I leased the XXXX at XXXX XXXX and live in XXXX XXXX Florida. XXXX claims there is a 1 % difference in the tax rates. No where on my lease does it say this may be done.
Product: Credit reporting

Experian reports an inquiry dated XX/XX/2016 from XXXX Bank on my credit report. I have a letter from XXXX Bank stating that they have forwarded removal of this inquiry to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts that are listed with XXXX and TransUnion as 'Bad Debt & Placed for Collection & Skip / Settlement /Late Closed/Paid Charge off ' When when the account was paid / legally paid. The balances are reporting correctly with XXXX but not with the other two Credit Files. The Service Lender : XXXX / Department of Education has been a problem to work with to get this resolved. I have since been working with my credit reporting agencies to try and get these accounts resolved. I have faxed over the supplemental information to my credit reporting agencies today but they have been unhelpful.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making on time payments with XXXX XXXX and it showing on all three bureaus experian, XXXX  and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to XXXX twice this year, with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not provided me with a way to check on the status of two disputes I have submitted on my credit report : Creditor : XXXX XXXX XXXX XXXX # XXXX** XXXX and Creditor : PROCOLLECT INC # XXXX I have attempted to get the status on the website but it sends me in a loop. I log in and then it brings me to another login page again over and over. I attempted to get answers via their XXXX page and they referred me to their customer support number which I called and waited on hold with for 25 minutes on two separate occasions where I was disconnected both times.
Product: Credit reporting, credit repair services, or other personal consumer reports

attachment # 1 subject of complaint drivers licensed DL # XXXX georgia suspended on purchased date XXXX-2014 attachments # 2 attached XXXX complaint form contractual a dealership plaint not to purchase any vehicles from XXXX XXXX XXXX attachments # 3 this used vehicle could only be purchased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX general manager XXXX XXXX to conduct a stolen car check. federal truth in lending disclosures civil cover sheet attached cause of action title 15 uscs 1601 findings and declaration deed book XXXX XXXX XXXX county virginia to wit : deed bk XXXX said declaration amened from time to time reason to conduct an investigation extortion {$300000.00} .XXXX permit application case no. XXXX cited XXXX XXXX XXXX use only XXXX XXXX XXXX XXXX XXXX md XXXX the maryland -national capital park & planning commission said land said grantor hereinafter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and find that there is a late payment being reported. Due to the law stating the exclusions to a consumer report, transactions and experiences between the consumer and the person making the report should not be furnished this should not be reporting in such a manner.
Product: Checking or savings account

I am a XXXX XXXX XXXX and on XX/XX/XXXX I sent my landlord a rent check in the amount of {$7600.00}. The check was stolen from the post office mailbox and someone thru an ATM deposited the check into their personal account the next day XX/XX/XXXX. On XX/XX/XXXX the funds were withdrawn from my business XXXX account in error by Bank Of America. Bank of America called me on XX/XX/XXXX and asked me if I had authorized a third party check that was made out to an LLC. I responded that I had not and they told me they flagged the check as fraud and I had to go to XXXX and report it. I went to XXXX on XX/XX/XXXX and XXXX filed the necessary papers needed to reclaim the funds from Bank of America. AS of this writing I still have not gotten my funds returned to me. I have had numerous calls to Bank of America in which they responded they have 90 days to pass a judgement on the claim, and then another 180 days to return the funds, and for me to go back to XXXX as it is XXXX responsibility to go after the funds. I have been the XXXX branch in XXXX XXXX six times already and they keep telling me Bank of America will not release the funds even tho Bank Of America knows its fraud. I do not know where to turn to at this point. The funds are marked as fraud, XXXX submitted the proper papers and after four months I still can not get my funds back. My landlord now wants his rent for XXXX and I do not have the fund returned to me account. Bank of America admitted it was their error, then they also stated they have 180 days to return the funds!! Can you imagine, taking my money in error and not giving it back for at least 6 months. Any help will be appreciated, I do not know where to turn as I am hitting a dead end everywhere and my rent is now due. I have all papers to documented if needed. Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017 I was informed of the security breach at Equifax. After checking to see if I was affected, I found out that indeed my information had been compromised.
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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Date opened XX/XX/XXXX for amount {$2000.00} I disputed the account multiple times and requested a validation letter to verify information and to delete. My last dispute was XX/XX/XXXX and it came back verified without the information I requested.