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

The following credit bureaus have VIOLATED MY CONSUMER RIGHTS : Experian XXXX XXXX 15 U.S.C. 1681 section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose All three credit bureaus identify themselves lawfully as consumer reporting agencies according to their website ( s ) I was told several times by Experian and other bureaus that they will refuse to remove information from my credit report because " I haven't verified my identity ''. I have already sent them numerous complaints with my correct information such as my social, mailing address from my banking statement, and government ID as well. 

I have reported this information that is invalid on my credit file the bureau has not been able to provide me with a copy of the verifiable proof. Telling me as the consumer that information on credit reports is verified without proof of my natural being signature and written instructions is unlawful. The bureaus aren't above the law and must remove the information listed below and the attached docs such as the identity theft report. 


Additionally, the failure to respond with a free copy of my report after the changes have been made will result in the damages created by the following bureaus ; Experian, XXXX, XXXX The following damages will be taken to civil court on XXXX 2023 in XXXX county if, monetary relief isn't given for the following damages : XXXX ) Defamation of Character XXXX ) Negligent Infliction of Emotional Distress XXXX ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy. 

XXXX ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation Each credit reporting agency owes me monetary relief of {$5000.00} in remedy Invalid credit inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX BANK XXXX Invalid accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL Invalid employers XXXX XXXX XXXX XXXX XXXX XXXX Invalid names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

In XX/XX/2021, I was told by a Wells Fargo customer service agent that if I turned overdraft protection off of my debit card, I would no longer be charged overdraft/ NSF fees. She said if you are charged, for some reason, you will still be eligible to have those fees reimbursed. So I had her turn the overdraft protection off of my debit card. However, in spite of turning it off- I have been charged 15 fees since then. Today I called and spoke with a rep who offered to reimburse 1 fee, he then transferred me to his manager, XXXX, who offered to reimburse 4 fees. I do not think that is acceptable because I was told I would be charged 0 fees. Why should I have to pay 11? Additionally, I turned overdraft off of my account.
Product: Debt collection

On  XXXX , I submitted a complaint to the CFPB ( complaint #  XXXX  ) regarding a debt that I paid in full with  Midland. Midland resp onded, however, they are still falsely and negatively reporting this debt and still calling my phone to collect on this paid debt. The debt was PAID IN FULL ( not settled ) for {$600.00} on  XXXX . I have reattached my original CFPB complaint and bank statement.     To date , Midland is  still falsely reporting on all  XXXX  credit bureaus, which has negatively impacted my credit scores. With  XXXX , they are STILL reporting a {$600.00} unpaid open balance owed. With  XXXX , they are STILL reporting a {$55.00} unpaid open balance owed. I also received an alert today that for  XXXX , they changed the balance owed to {$0.00}, but they are marking it as a SETTLED FOR LESS THAN debt when it was PAID IN FULL.     Furthermore, they have NOT dismissed or vacated the judgement with the local courts. The debt was paid -- I was never served papers. I was told by their debt  collectors  and  XXXX   XXXX  of  XXXX   XXXX   XXXX  that they hired that this would be taken care of and that it would be dismissed and not report on the credit bureaus.     I used to work as a debt collector with  XXXX   XXXX  an d Midland 's parent company Encore Capital Group  and know for a fact that they still call out and use robo-dialers and/or call numbers even after told not to - even after the CFPB came in and sued them back in or around   XXXX  . What they do is use their out of country offices to skirt the robo-dial laws in the US. The company 's prior response to my original claim denied this -- but I have saved evidence and statements from prior employees that can back up what I am saying.     What they are doing is violating the FDCPA and they need to be held accountable. I have paid my debt in full MONTHS ago. I have contacted an attorney.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XX/XX/2022 I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it, but don't state how nor was any proof given. I was only told that it was verified through XXXX XXXX also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to inform the credit reporting agency that there were inquiries appearing on my credit report as a result of the TransUnion inquiry issue that was incorrect and should be removed. The agent said he couldnt assist me with this despite it being an error on their part.
Product: Debt collection

LATE PAYMENT LETTER Date XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Credit Bureau : Equifax Credit Bureau Address : XXXX XXXX XXXX, XXXX, GA XXXX Dear, Equifax I got a copy of my credit report and I have found the following items listed below to be in incorrect. As I do know my consumer report and will take legal action if not fixed within 30 days Pursuant to 15 USC 1666b 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.

I NEVER gave You, Credit Reporting Agency OR ( { creditor_name } ) any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You, CREDIT REPORTING AGENCY, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


ACCOUNT NAME : XXXX XXXX  ACCOUNT ADDRESS : XXXX XXXX XXXX, WI XXXX I know you can not report any late payments on my consumer report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, Your Name XXXX XXXX
Product: Debt collection

So I take my credit report and Wakefield and associates has two accounts put on my credit report and they're both identical for one they are double reporting which is unfair and not correct for two my ID was stolen I reported that to the police and my passport was stolen and I reported that to the agency I was supposed to as well and out of nowhere months later this appears on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting 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 # XXXXXXXX XXXX XXXX, XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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: Debt collection

I was looking at my credit report and saw a bill in collections for {$720.00} from a XXXX XXXX XXXX, I never opened an account with them so Im assuming this identity theft
Product: Debt collection

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Convergent Outsourcing 2. Validate Account XXXX XXXX XXXX 3. Validate Account XXXX XXXX XXXX 4.Validate Account XXXX XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Thank you for your time and help in this matter.
Product: Student loan

-My student loan payments were coming due on XX/XX/XXXX -I am still in school, and should have in school deferment for all of my loans until Summer of 2025 -I called my school on XX/XX/XXXX and confirmed that they had sent all of the appropriate documentation early to mid-XXXX -I called Nelnet on XX/XX/XXXX and confirmed that they had received the documentation, and it was processing. I was assured it would be taken care of before the payment was due. I have had issues with Nelnet specifically failing to process my in-school deferment in a timely manner, so I asked the rep to put in a note to ensure the deferment would be applied appropriately, and he assured me that he did. 
-I sent an email to Nelnet that same night outlining the steps that had been taken thus far and the same request - to apply the deferment across all student loans -I received an email that my in school deferment was ending soon on XX/XX/XXXX, so I called again. My in school deferment was approved, but had been inappropriately applied- they only applied it to a couple of loans, not all of them. The rep I spoke with said she would send a message to the team that handles this to get it appropriately applied. I sent an email to Nelnet, as well. 
-XXXX XXXX, nothing had been corrected or changed in any way, so I filed a complaint with federal student aid, and was assigned a case number. I outlined everything I have said here. 
XXXX XX/XX/XXXX, federal student aid said my case had been assigned to Nelnet for review, and to allow up to 10 days for a response. I waited, but continued to receive messages from Nelnet about my past due balance -XXXX XXXX, I hadn't heard anything back, so I tried calling, but was immediately told I owed money, I asked to speak to a supervisor, and was transferred to another department ( apparently ), rather than a supervisor. Their internal ombudsman were apparently out for the day, and all anyone else could tell me was that I owed money. 
-XXXX XXXX, I have called Nelnet yet again, seeking resolution. I was told I owed money, and I asked to speak with a supervisor, and was transferred to their internal ombudsman. It is XXXX days since my federal student aid complaint was sent to Nelnet, and several weeks since my first call, and MONTHS since my school sent the appropriate documentation. Yet, the ombudsman representative I spoke with said that my case had not even been assigned to anyone yet. She said she would " send in '' my information, and it had to process, but she would escalate it ( this is what I was told by the representative on XX/XX/XXXX, as well ). Allegedly, I will here back, but in the meanwhile, I am STILL being told I owe money. The ombudsman tried to claim that I changed schools, and I have been attending the same school for XXXX years -May XXXX, filing a complaint with CFPB
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report regarding the ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EducationXXXX XXXX XXXX, Dept of EducationXXXX XXXX XXXX XXXX Dept of Education/XXXX XXXX XXXX XXXX Dept of Education/XXXX # XXXX, Dept of EducationXXXX XXXX XXXX, accounts, which I did not authorize and is a direct result of identity theft.

These accounts is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that you maintain accurate and complete information in consumer reports.

Pls refer to my FTC report attached and continuation report attached with the remining accounts that need to be removed as well.
Product: Checking or savings account

On XX/XX/XXXX I was approached by AMEX to open a new online checking account. I applied for said account. As of today, ( XX/XX/XXXX ), I have not received a account opening decision. I called on XX/XX/XXXX and asked for a decision. The representative stated my account application was still pending. I told the representative that was unacceptable. I have been with AMEX since 2007, held three different credit cards, currently have 2 lines of credit totaling {$28000.00}, have a personal loan with a remaining balance of {$7500.00}, and this is my second loan with AMEX. Exactly what is there to decide? I have been hounded to sign up for the travel and platinum cards. For AMEX to treat a long term customer, who pays them, is wrong. I know for a fact if I am declined a bank service/loan, the Bank is required to provide me a reason, in print/writing within a specific time frame.
Product: Mortgage

Hello, thanks ahead for your time reading this message I believe my line of credit was denied base on the amount of fund. First, Wells Fargo could not convince us to transfer our auto loan onto the LOC. They will have to reduce our LOC from {$20000.00} to {$10000.00}. Since they do n't make much money for any loan amount below {$12000.00}, the treatment of the loan was totally different from the earlier stage of application. It seem like they were forcing us to quit with the process, since they are not going to make much money. After XXXX months of submitting them every little piece of financial information that they needed, Wells Fargo rejected my loan application based on my loan to debt percentage. 
All of the information that they needed to determined this loan to debt ratio was provided for them from the beginning stage. How much we make and how much we owe could have been picked up during the initial application process. Our point again, Wells Fargo was forcing us to quit with the loan since the loan amount was small. At the end, Wells Fargo denied our application of a very weak basis that they have not explained in writing. 

We have tried to contact our loan processor, but our email was ignore. We were asking on the information that they used to determined my loan to debt ratio. We figure with our salary of over {$100000.00} a year, a mortgage less then $ XXXX, {$200000.00} equity line, we could afford another $ XXXX payment for the LOC of {$10000.00}. Apparently, not!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTC ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Received a cc in the mail which I never requested, called the number in the back and they ask you to enter your SS #, they insist continuously until you are able to speak with a person in a foreign country ( assuming based on the background noise/ conversation heard ) Could this be  identity theft?
Product: Credit reporting or other personal consumer reports

This complaint is due to XXXX adding a falsely reported late payment to my credit for the month of XXXX while disputing for the month of XXXX. I wa never let in XXXX so I am submitting a complaint on XXXX. I have disputing a late payment for the month of XXXX. was put under a payment arrangement due to my tenant being late on her rent so me having to pay for the rent here in XXXX where I am now stationed on top of my mortgage in florida. Due to her being late on her rent for my house in florida it put me in a bind. During my disputing I have now as of this week been hit with a late payment for the month of XXXX but I was never late in XXXX. I have 30 days to pay my car note. So I have until XX/XX/XXXX to XXXX payment. How do I get a late payment for the month of XXXX that never happened while disputing the month of XXXX late payment. This is unfair how they are doing me. Im trying to fix my credit and they are bringing my score down with these false late payments. I am submitting a complaint due to the FCRA regulations this is illegal. I am including the screenshot from the beginning of this month showing the XXXX late payment that I am disputing and submitted a complaint on the they added a late payment for the month of XXXX that I was not late on. They have not provided proof of the XXXX late payment they recently added to my credit and explained to me why I got a late payment for the month of XXXX when I was under an payment arrangement and wasnt told that under the arrangement I would receive a late payment on my credit. I have attached documents showing just this month there was no XXXX late payment and now I have a XXXX late payment that I was never late on on top of a XXXX late payment under a payment arrangement. How does a company do customers this way. Loyal military customers.
Product: Checking or savings account

I have a savings account with a balance of {$590.00} which I opened in 2002. Apparently because the account was not set correctly in their system, I'm not allowed to withdraw funds.
Product: Mortgage

It does not appear that my account was debited or credited correctly, as well as insurance and escrow amounts and payments. The records I have are in conflict with the information presented to me in mortgage statements and other communications with the servicer. I need to have full accounting and documentation so I may attempt to resolve the issues.