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

First of all I never consented to have my information obtained and/or shared with/by 3rd parties ; let alone reported to begin with. XXXX XXXX and XXXX XXXX are 3rd parties by which Experian, XXXX, and/or XXXX obtained my personal details. I have since opted out of both XXXX XXXX and XXXX XXXX XXXXn pursuit of claims against them. Pure Accuracy 15 USC 1681, ( b ) written consent only and FCRA.

XXXX  confirmed via email that they don't report to any 3rd party companies which is where XXXX XXXX conspicuously obtained personal details. Per the Privacy Act of 1974 information must come directly from myself. Bankruptcy court does not submit information to 3rd parties and should be removed immediately ( 5U.S.Code552b ). I did not consent to this information being on my profile. XXXX has since deleted XXXX from my report which also needs to be deleted from Experian and XXXX for consistency in reporting. 

Due to the aforementioned negative details on my Experian, XXXX, and XXXX report need to be removed and accounts updated to paid as agreed. FCRA
Product: Checking or savings account

I am filing a complaint with the cfpb regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has sited technical issues, which may violate the efta as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to insure my rights were upheld. Thank You!
Product: Credit card or prepaid card

I have an American Express everyday card. 
I noticed I have had a high payment throughout the last few months. But there isn't a lot of clarity in the monthly statement. 
I called AMEX today to ask what my current interest rate is as I know it fluctuates the AMEX rep said I am paying a " penalty APR of 29.9 % ''. 
I asked what a penalty APR is and they said you are even a few days late making a payment ( I made a late payment last XXXX ) then it is an automatic late fee of XXXX AND 6 MONTHS of a penalty APR 29.9 %!! 

I have good credit and late fees happen but a penalty APR for 6 months is bad business.
Product: Debt collection

Capital one has stated that they do not have to comply with federal laws and regulations. Attached are documents for violations they have broken along with a notarized affidavit of truth and bill of particulars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owe to  XXXX   XXXX   XXXX  and diversified consultant bought my account and they said on the phone if I pay them then my collection will be removed from credit report and I paid them off their amount, they said go ahead dispute with credit report which I did already and they said we will just updated on credit report and they played with me and lied and it was  2015
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX. XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Third-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Product: Debt collection

A company by the name of MED SOC/BUR OF MED ECON opened a collection and reported an amount of {$1200.00} claiming I owe such amount from XX/XX/2020 the information reported is false and I suspect this information to be fraudulent.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting Act this creditor ( Target ) has violated my rights. under 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. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccurate information on my credit report with experian. checking data this is hindering my file from approvals an moving forward with accuracy on my report. please remove the information processed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  personal inquiry remove
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CREDIT REPORTING COMPANY HAS REFUSED TO ABIDE BY THE CONSUMER LAWS. HERE ARE THE VIOLATIONS 15 USC 1681i ( a ) ( 4 ) Under the FCRA15 U.S Code 1681 ( a ) ( 4 ) I am a federally protected consumer and I have the right to privacy. Ignoring this law is in direct VIOLATION of MY PRIVACY of 15 USC 1681 and all its subsections.

15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any Item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and records the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
15 USC 1681i ( 6 ) ( B ) ( iii ) A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, 15 USC 1681b ( a ) ( 2 ) clearly states that Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I REALLY NEED THE CFPB TO HOLD ALL PARTIES ACCOUNTABLE FOR IGNORING THE REQUEST OF THE CONSUMER. ALL ENTITIES ARE CONTINUING TO IGNORE WHAT IS PUT IN FRONT OF THEM. 
I ASKED FOR CONTRACTUAL LEGAL DOCUMENTS BETWEEN THE CONSUMER AND THE CREDITOR TO BE SENT TO PROVE THAT THE ALLEGED ACCOUNTS ARE INDEED THE CLAIMANT. THIS INFORMATION HAS YET TO BE SENT AND THE CREDITORS AND THE CRA ARE WORKING IN CONJUNCTION BY NOT ABIDING BY THE CONSUMER 'S LAWS AND SUBMITTING THE PROOF NEEDED TO CONTINUE TO REPORTING INFORMATION THAT IS INCORRECT. 
IF THERE ARE NOT 2 SIGNATURES ON A LEGALLY BINDING DOCUMENT THEN THERE IS NO CONTRACT SO IF THERE IS NO CONTRACT WHY ARE THERE ACCOUNTS BEING REPORTED? SEND ME LEGAL DOCUMENTS THAT HAVE BOTH THE CONSUMER AND THE CREDITOR 'S SIGNATURES OR ELSE REMOVE THE ACCOUNT FROM THE REPORT. PRINT-OFFS FROM AN ALLEGED ACCOUNT ARE NOT A LEGAL CONTRACT. PRODUCE IT OR REMOVE IT!!!!! 

15 USC 1681b ( a ) ( 2 ) clearly states that Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
PLEASE SHOW THE CLAIMANT THAT THERE WAS A WRITTEN DOCUMENT STATING THAT ANYTHING CAN BE FURNISHED. THERE IS NOT ; SO WHY ARE THEY BLATANTLY IGNORING THE LAWS? 
I HAVE SUBMITTED AT LEAST 3 TIMES OF THE VIOLATION OF THE CRA AND NOTHING HAS BEEN DONE ABOUT IT
Product: Debt collection

I received a debt collection bill from what was apparently a cell phone bill. It came to my current address but under my married name. I have been divorced and back to my maiden name for over 10 years and I never had a cell phone through XXXXXXXX XXXX DBA XXXX XXXX!!! Someone obviously used my information to obtain a phone or something fraudulently. It would be easy for someone to figure out who did the fraudulent activity by first figuring out where the phone actually went to. Because whoever received the phone is the one who fraudulently used my information to obtain it!!!!
Product: Debt collection

The company, Medical Revenue Service, Medical Data Systems,  sent me a letter saying that they were no longer servicing / collecting on this debt. 

However, this letter that was sent on XX/XX/2019. 

They are still reporting on all three credit bureaus, and causing negative damage to my credit score. And it is severely affecting my credit worthiness. 

( Letter is attached ) I have sent them a letter requesting for this to be removed from my credit report, but it still remains almost 45 days later. 

Please remove from credit ASAP.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used vehicle in XXXX. I financed it with XXXX. In XXXX I sold the vehicle to a guy who wasn't able to get financing so I carried the note for him. He defaulted in XXXX and I wasn't able to make the additional payments. There was a little over {$3000.00} left owed on the truck. 11 years later and XXXX continues to change the dates on the account and continue to report the debt on my report. I have gone through every option available to get them to remove the debt, but they refuse. I don't have a copy of the loan documents so I haven't been able to prove the dates. I have requested a copy of the original loan document and XXXX doesn't respond. They are now showing the account as being opened in XXXX of XXXX. That is incorrect. I have since rebuilt my credit and got back on track. However, I'm limited because XXXX is reporting far beyond the 7 year reporting time.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting an alleged collection account XXXX XXXX that has not been validated as belonging to me. I would like the documents or the name of the person whom TransUnion spoke with to determine this information about me. Debt collectors needs the permission of a competent judicial court to collect on debts and this matter has not been filed in any court so how is this account being reported? Under FCRA credit bureaus are required to provide details into their investigation process.
Product: Checking or savings account

I had opened a SoFi account in XXXX and decided i was gon na use it later with the promo they have going on ( when you refer someone to them, you get a bonus and the other person who signs up under your referral link gets one too i believe ). I would log in a couple times over the month but I didnt know to how to access my balance for a while until last week when i could really understand how the XXXX works and realized that whenever i would refer someone and i get the money, the money would be taken out at a XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I am not from XXXX XXXX  at all, i'm stationed in XXXX and dont know anyone from there. I didnt even get the chance to use my account or use my card before XXXX fraudulent transactions were made on my account. I contacted SoFi and the guy on the phone apologized for what happened and REASSURED and PROMISED me that I was getting all my money back and that he was disputing all of the charges. A couple days later, I get a update on all the disputes he made and all my disputes were DENIED but I dont understand because the transactions were originated from XXXX XXXX and thats not where I am so where were these transactions authorized and have no error?? Ive attached some of the many fraudulent transactions
Product: Mortgage

Loancare LLC took over servicing our mortgage for the XX/XX/2019 from XXXX. We have made all payments on time without a problem. The problems have occurred when I make addition principal payments. The problem is when I make the payment, Loancare applies it to two regular payments and the rest to the principal instead of applying it to the principal. I have called the two times I that they did this. I am told that it will take 5 days to process  and correct the situation. The new payment is always {$15.00} hire and I do not get 100 % of the additional principal payment on my account. 
Today I called the company, the agent I spoke to again took my payment over the phone, the original payment was XXXX and I was charged XXXX for my XX/XX/XXXX payment. When I asked why the agent told me she did not know. I asked to speak to a supervisor so I can find out. I was told that the do not forward calls to supervisors they would call me back within hour. That was at XXXX XXXX it now XXXX and no call has been received. 
The two incidents occurred on checks written : XXXX XXXX and XXXX XXXX. 
Additional information available.
Product: Credit card

During the month of XX/XX/year>, I attempted to go online & pull my credit report. With all 3 credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all three of my credit reports via mail, in order to submit additional information to verify my identity. Upon receipt of my credit reports, I noticed accounts that were not my accounts. I never opened these accounts or gave permission to have these accounts opened. I also noted inaccuracies with the spelling of my name & previous addresses. 

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and I realizes that I had damage on my credit reporting according to the 15 USC 1681S-2 ( F ) reporting information during COVID-19 pandemic accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contact, or any assistance or relief granted to consumer who affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period. Covered period ended on XX/XX/XXXX you have 120 days after XXXX XXXX. 

Please fully verify the information below. They have been marked as late. Please remove any inaccurate information from my credit report as quickly as possible. Here are the items that I am requesting a verification of Creditor Account # 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 REMOVE ALL EXTRA NAMES ON MY CREDIT REPORT MY NAME SHOULD READ XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear consumer financial protection bureau, I am writing to formally complain about Experians handling of a credit/ loan dispute I recently and previously filed. As one of the victims, o am extremely concerned about the lack of thoroughness in their investigation process. 

Ive submitted a dispute multiple times to experience regarding inaccurate information on my credit report. Experians Response was disappointing brief and did not address the critical issues I raised on multiple occasions.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint concerning Equifax and their continued reporting of inaccurate information on my credit report from XXXX XXXX. Despite multiple disputes related to this account ( Account Number : XXXX ), no action has been taken to correct or remove the errors. These inaccuracies are having a significant negative impact on my credit score, and the incorrect information is misleading potential lenders. I have made numerous attempts to address this issue by reaching out to both Equifax and XXXX XXXX, but my concerns have not been resolved. The lack of correction is causing ongoing financial harm, affecting my ability to secure loans and other forms of credit. Additionally, the situation is taking an emotional toll as I struggle with the consequences of these reporting errors.
Product: Debt collection

Contacted common wealth financial and they wanted my credit card information to check my credit report I felt uncomfortable so I called the original creditor which is XXXX XXXX XXXX and gave them my information and they had no records for either myself or my son and stated they dont even use commonwealth as their debt collection agency
Product: Checking or savings account

Wells Fargo withheld XXXX of my deposits past 3 days due to suspected fraud. Therefore my rent payment and other bills were not aid on time. Those checks were returned as NSF. I had to pay {$80.00} extra for my tent amd late fees on loan accounts out of my own pocket. I contacted Wells Fargo and asked why were funds withheld and was told they were awaiting the issuer of the checks to clear on there end. I contacted the issuer and was told Wells Fargo is withholding the funds not the issuer of the check. I have yet to be compensated for the delay.
Product: Credit reporting

I monitor my credit weekly. I have learned that my prior credit score of XXXX has been dropped to XXXX with no changes on my report over the past month or XXXX. Why did my score change?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report from different companies. XXXX  XXXX XXXX especially. I have had an account with them since XXXX last year. someone is fraudulently trying to open accounts with my social security number. I have not had a reason to inquire about anything else since i got the account so i do not understand why there are several inquiries after the opening that are showing. XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX /XX/XX/XXXX/ XX/XX/XXXX / XX/XX/XXXX / XXXX XXXX XXXX all dates after the opening of my account that have been pulled for no reason. there are several for ally financial as well. this is absurd.
Product: Debt collection

DEAR XXXX ; CFPB ; SEE ATTACHMENTS. I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : 1. Proof of Authorization under 15 U.S.C. 1692e and 1692f.

2. Legal Basis for attempting to collect this debt, including applicable statutes.

3. Proof of Authorization to Operate in my state.

4. Evidence of Alleged Debt, including any contract or agreement bearing my signature.

5. Full Account History, detailing all charges, fees, and payments.

Your lack of documentation would constitute a violation of FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. Therefore, I demand the immediate removal of this account from my credit records. 
Per the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I have not acknowledged any debt, I presume none exists. Failure to provide evidence within 30 days will confirm this accounts invalidity. I expect a written response confirming its removal from my credit report. 
Sincerely,
Product: Checking or savings account

XX/XX/XXXX Opened Wells Fargo EveryDay Checking account with a bonus offerXX/XX/XXXX I met the offer requirements of at least 10 debit card purchasesXX/XX/XXXX I asked Wells Fargo if I met all the offer requirements for {$250.00} promotional bonusXX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me acknowledging that I signed up using the promotional offer and informed that I have met the bonus requirements. He also responded that the bonus will post 45 days from meeting the requirements. Wells Fargo had the opportunity to inform me if I wasnt really targeted for the promotion, but it didnt. 

XX/XX/XXXX The 45 days waiting period passed but the bonus didnt post, so I messaged Wells Fargo XX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me back saying that I will get a US Mail response within 14 business days. Wells Fargo had the opportunity to inform me if I wasnt really targeted for the promotion, but it didnt. 

XXXX/XXXX/XXXX The 14 business day period ended without any response from Wells Fargo, so I messaged them XX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me back asking for 14 more business days for a response. Wells Fargo had the opportunity to  inform me if I wasnt really targeted for the promotion, but it didnt. 

XX/XX/XXXX The 14 business day period ended without any response from Wells Fargo, so I messaged them XX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me back saying that I did not meet the requirements. Even at this point, Wells Fargo had the opportunity to inform me if I wasnt really targeted for the promotion. But they claimed I did not meet the offer requirements. 

XX/XX/XXXX I messaged Wells Fargo for the reason behind the evasive, contradictory, misleading information. 

XX/XX/XXXXWells Fargo employee, XXXX XXXX, messaged me back that I wasnt targeted for the campaign. If that is true, why on XX/XX/XXXX Wells Fargo informed me that the offer requirements were met and bonus would post in the future?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act these accounts 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 searching case search and came across an open case for me from CAPITAL ONE BANK. I read the notes in the case stating that I was served on XXXX/2018 at an address that is vacant. No one is living in that house therefore no one could have signed for any mail delivered to that address. I had no clue about the open case until today.