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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX report XXXX days delinquent on my credit report. I requested to remove. 
XXXX XXXXXXXX. XXXX XXXX report XXXX days delinquent. I requested to remove. 
XXXX XXXX XXXX XXXX XXXX report XXXX days delinquent. I requested to remove. 
XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX reported me XXXX, XXXX, XXXX, XXXX days delinquent. I asked to remove. 
XXXX XXXX, XXXX XXXX reporting late payments every month. I requested to remove. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX reporting delinquent on payments XXXX, XXXX XXXX days. I requested to remove. 
XXXX  XXXX reporting XXXX days delinquent on my credit report. I requested to remove. 

these banks are all reporting and violating 15 USC 1681 section 602 section 604a section 2
Product: Bank account or service

I have had a checking account at Citizens Bank for many years. In the past year the statements are not correct. Last winter I spoke to XXXX different service reps and they could not help. More recently I spoke to another service rep who started to help and then said it was too much work. Lastly I met with a rep who after spending considerable time with me borrowed my ledgers for several days and then said after going over the bank figures and my figures could not find the mistake. There is a difference of about {$200.00} in their favor. I can not close the account until a lot of checks clear or until this difference is settled. Meanwhile I will not do any more business with them. I have opened an account with another bank but I need to take the money out of Citizens.
Product: Credit reporting or other personal consumer reports

receiving a consumers written request for them. This impeded consumers ability to determine whether a debt was truly owed and how they should respond to allegations of outstanding debts. Collecting on time-barred debt without making required disclosures : On numerous occasions, XXXX XXXX XXXX did not provide the required disclosures to consumers when collecting on debts beyond the statute of limitations. When the company purchased debt, it estimated the statute of limitations that governed the debt, and in some cases that date was later than the actual statute of limitations. Suing to collect on time-barred debt : XXXX XXXX XXXX XXXX XXXX least dozens of lawsuits for debt that was too old to legally enforce. In doing so, XXXX XXXX XXXX falsely represented that those consumers had legally enforceable obligations to pay those debts when in fact they did not because the debt was outside the statute of limitations. The CFPB also alleges that XXXX XXXX XXXX committed numerous violations of the Fair Credit Reporting Act and its implementing Regulation V, which include : Failing to inform consumers about investigation outcomes : On numerous occasions when XXXX XXXX XXXX determined that a consumers dispute was frivolous or irrelevant, it failed to timely inform the consumer about what information would be necessary for XXXX XXXX XXXX to investigate the dispute. Failing to timely resolve disputes : On at least tens of thousands of occasions, XXXX XXXX XXXX failed to resolve disputes within the required time. Conducting unreasonable investigations : On numerous occasions when a consumer alleged fraud or identify theft, XXXX XXXX XXXX did not conduct a sufficient investigation that considered all necessary information. Enforcement Action Under the CFPA, the CFPB has the authority to take action against institutions violating consumer financial laws, including engaging in unfair, deceptive, or abusive acts or practices. The CFPB alleges that XXXX XXXX XXXX violated the 2015 order, the CFPAs prohibition on deceptive conduct, the FDCPA, FCRA, and Regulation V. If entered by the court, the order would require XXXX  XXXX XXXX XXXX : I would like this statement added to my credit file and sent to everyone company that received my credit file since portfolio has been on my report. 

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Product: Credit card or prepaid card

This will be my 3rd complaint with CFPB against XXXX XXXX XXXX dba XXXX XXXX. Two prior attempts have been tried to resolve the issues at hand and the company continues to drag there feet and cause hardship for a cut and dry claim on the credit protection for my XXXX card. As pictured in the uploaded Continental Credit Protection Agreement Item # 7 Minimum Payment Due states The Amount due on your account as NOTED on your MONTHLY billing statement UNDER MINIMUM PAYMENT DUE. Please see last bill i have in my possession dated due XXXX XXXX XXXX Minimum amount due of {$310.00}. I have no access to newer bills with higher minimum amount due. XXXX has removed all E-Billing statements from my account at time of first complaint. Per 2 prior attempts i also sent in VIA US Mail the attached document showing my pay dates and amounts with the official South Carolina Department of Workforce Seal. They state that this is an identical one to one i sent in XXXX and are denying continuing benefits. The date clearly shows i remain unemployed as of today date XXXX/XXXX/XXXX and during the time they have requested. They still have not covered the proper amount of payments on this account. And are fighting to withhold any payment they can on the account. They need to be investigated for FRAUD.  They prematurely charged off this account. Deleted billing statements for XXXX XXXX XXXX XXXX. Showing the minimum payment in excess of credit line and that account credit protection remained in effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX  so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX  Open XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX OpenXX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/ XXXX/XXXX  Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX OpenXX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX  XXXX XXXX Open XX/XX/XXXXTo Be ClosedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX OpenXX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/united consumer fi  Open XX/XX/XXXX To Be Closed XX/XX/XXXXXXXX XXXX XXXX  Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX Open XX/XX/XXXXTo Be Closed XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 alleged fraud or extortion. 



XXXX XXXX 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 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

We are currently in dispute with Home Point Financial. They have been sent an Affidavit and Invoice for violations they have committed pursuant to 15 U.S.C. 1692g.

Copy of Affidavit, and proof of their receipt are attached.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

In both my business and checking account, the bank processes are to re-arrange items in your account which result in you account going negative so that can charge excessive fees. In reference to the business account I was charge over XXXX in fees for a XXXX transaction that should have cleared because the funds were there. After speaking with several bank personel, not one was able to understand why the account was over drawn. They did reverse XXXX of the fees but stated I had to pay the rest. I am seeing this same kind of fishyness with the personal account.
Product: Debt collection

I received a phone call XX/XX/2022 from ( XXXX ) XXXX stating that they had been trying to reach me and that I was being sued. I was told to call ( XXXX ) XXXX to find out what I was being sued for. They stated that they had been trying to mail me a court summons from Wells Fargo to some address I was not familiar with and that I owed Wells Fargo {$3400.00}. The man stated that my wages would be garnished if I didn't pay the full amount or go on some payment plan. I stated that I had already settled with Wells Fargo 10+ years ago and that I did not owe anything. He continued to threaten me and then hung up on me. He had my social security number. I contacted XXXX XXXX XXXX and they stated the telephone numbers I provided were not legitimate and was told to file a complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation into Experian 's Reporting Practices Dear CFPB, I am writing to formally request your assistance regarding a violation of the Fair Credit Reporting Act by Experian. I believe that Experian has not adhered to the obligations set forth in 15 U.S. Code 1681, particularly concerning the accuracy and fairness of credit reporting. 

I have noticed that my account ( XXXX XXXXXXXX ) related to my XXXX XXXX XXXX, which was reported in XX/XX/year>, was deleted from my credit report by Experian on XX/XX/year>. This action has adversely affected my credit history and overall credit score, undermining my financial standing.

The Congressional findings highlight the importance of accurate and fair credit reporting, emphasizing how inaccuracies can impair the efficiency of the banking system and erode public confidence. As a consumer, I rely on accurate credit reporting for fair access to credit, and the deletion of my account has hindered that access. 

I am uploading a copy of my XXXXXXXX XXXX XXXX XXXX credit report for your review. I kindly request that you investigate this matter and facilitate the re-instatement of my account on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

CapitalOne Auto Account # ending XXXX XXXX Account # XXXX XXXX Account # XXXX
Product: Credit reporting

I have a collection placed on my experian credit monitoring by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the Fair Debt Collection Practices Act. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the FAIR CREDIT REPORTING ACT. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to experian that the thirty days passed and I received no validation of my debt and I had asked experian to remove this collection immediately. Experian however did not delete it from my credit and wrote that it is under investigation for 45 days That was on XXXX XXXX, XXXX, where two months have passed from that date. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.
Product: Credit reporting or other personal consumer reports

I'm writing to discuss my nervousness regarding the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be completely analyzed. Notwithstanding my undertakings, I by and by really can't get any objective or medicinal movement. These inaccurate records are truly hurting my credit archive and disturbing my ability to continue with a standard life. The unfriendly outcomes of these mix-ups have caused huge challenges for me, and I'm left with no choice with the exception of to contend for your assistance with revising what's going on as fast as far as possible. I mercifully request that you direct a comprehensive assessment concerning the noteworthy of all of these challenged records. It is fundamental that the significant advances are taken to revive and address my credit report right away. With your help, I want to restore the precision and reliability of my credit record so I could recover control over my money related thriving. I sincerely urge you to offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue rapidly would be very important. Thankful to you early on for your understanding and help.
Product: Checking or savings account

Complaint Summary : On XX/XX/year>, I deposited a Department of Treasury check into my account at Santander Bank. I was informed that the funds would be available on XX/XX/year>. However, when I attempted to access my account on that date, I found that it was blocked. Upon contacting the bank, I was told that the check was being verified and that it would take longer for the funds to be available. 

I made multiple calls and sent emails on XX/XX/year>, to inquire about the status of my account. I was asked to provide a letter from the Department of Treasury explaining why the check was issued. I sent the attachment that came with the check and an additional letter. I also contacted the Department of Education and the Department of Treasury to verify the check. 

Despite my efforts, I received multiple conflicting responses from Santander Bank. I was told that the Department of Treasury needed to request the funds back, but when the bank spoke to the Department of Treasury, they stated that the funds were being returned. On XX/XX/year>, I was informed that it could take up to a year for the bank to issue the funds back, as they had to wait for the Department of Treasury to request the funds. 

I have requested my check back, the release of my funds by visiting a branch, or a tracking number, but I have been met with disconnected calls or unhelpful responses. This situation has caused significant hardship for me and my children, and I urgently need my funds to be released.
Product: Mortgage

Multiple requests for a home modification were submitted to Wells Fargo, XXXX from XX/XX/2023 to XX/XX/2023 to no avail. I was pre-approved for the {$95000.00} assistance at the XXXX XXXX XXXX XXXX Assistance Fund ( XXXX ) to reduce the outstanding balance and approved the modification request. Each loan modification request was submitted via a representative of the XXXX XXXX XXXX and myself. Unfortunately, upon acknowledging receipt of each modification, Wells Fargo, XXXX would request the same documents previously acknowledged as received, which is a stall tactic. 

Wells Fargo, XXXX, is not the loan originator. Several months after closing on the domicile, it was sold to Wells Fargo, XXXX. The property was also purchased while on XXXX XXXX and is protected under the Servicemembers Civil Rights Relief Act ( SCRA ), which Wells Fargo, NA, refuses to acknowledge.
Product: Checking or savings account

I attempted to increase my ATM withdrawal amount on XX/XX/2023, without luck. I called USAA to inquire why and was told it was part of an algorithm. I continued to log into my account to increase the ATM withdrawal amount over the next few days. I continued to have issues accessing my money. On XX/XX/2023, I called again to inquire about my ATM withdrawal limit. They still can't remove the hold or increase the limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX original creditor XXXX XXXX should not be reporting to XXXX ; XXXX and Transunion a collection in the amount of {$1300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please seepage attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX multiple times and each representative I speak to informs me that have no customer information under my name and have no record of my ever being a customer. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need all fraud alerts removed from all three credit bureaus it is affecting me from getting approved for credit
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, RE : COMENITY BANK/EXPRESS/Account number XXXX I am demanding the following late payments be removed because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 usc 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection i - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15usc1666b- late payments 15 usc 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the me that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), 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 Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report.

Under 15 usc 1681n, - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. 
PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts and personal info reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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. 

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.
Product: Debt collection

On XX/XX/2024 at XXXX, I called IQ Data International IN about a debt I owe due to an application denial for an apartment. Spoke to XXXX XXXX & requested information to confirm that debt. Upon request, she refused to give me any details until I pay the amount due. Willingly trying to give her my current address & email she refused my info & continued telling me that they accept XXXX or XXXX & she already confirmed the amount verbally. I told her that I am not going to pay something that you verbally tell me & I want it in written form. Continues to decline sending me anything in writing nor email, while degrading me as a person.