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

I filed a dispute with EXERIAN about them reporting a bankruptcy on my credit report that does not belong to me. Experian list XXXX as the 3rd party consumer reporting agency that provided that incorrect information. I reached out to XXXX about that bankruptcy reporting after my dispute with them and XXXX sent me a letter stating that as of XX/XX/2022 they have removed my disputed bankruptcy information from my file. I have attached a copy of that letter to this complaint for your records. Please remove the bankruptcy listing from file and all accounts listing incorrect information from a bankruptcy. If this information is not removed with in 30 days of this complaint, as I am a litigious consumer and I will not hesitate to file a suit in court for damages per the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 closed student loan accounts showing up and they were paid and Ive contacted the creditors to remove the inquiries, I also am needing to dispute recent inquiries
Product: Debt collection

Calling me over and over again ; When I answer they just hang up right away.. at this point it's just harassment ; I've received no validation of anything nor has anything been verified and I don't need to be called when the other party has put me on mute for whatever reason.. Harassment and moronic.. They need to Cease and Desist immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

SELECT PORTFOLIO SERVICING IS THE CREDIT COLLECTION COMPANY COLLECTING FOR - XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Select Portfolio Servicing, BXXXX  XXXX XXXX XXXX XXXX is committing Mortgage, Deed, Assignment of Mortgage, Bank And Securities Mortgage Foreclosure Fraud by obtaining a Default Foreclosure Judgement on XX/XX/XXXX. XXXX in XXXX XXXX of Common Pleas instead of providing Consumer Relief per sanction given on XX/XX/XXXX by the Department of Justice. Im currently in Pa XXXX XXXX XXXX XXXX on a Appeal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX CO XXXX CAPI/NEIMAN XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL XXXX XXXX XXXX XXXX CO XXXX XXXX CAPITAL XXXX XXXX
Product: Vehicle loan or lease

My auto loan contract terms were broken by Wells Fargo during loan. 
My original loan XX/XX/15 was for XXXX. 
The 5.99 % APR for 5 years. My term includes 59 monthly payments of XXXX. 
My first month payment included a interest payment at over 9 % APR. 
There are periods my rate jumps to 10.99 %. 
Please see attached and explain why my payments were distributed to pay over the 5.99 % APR terms that are negotiated in my contract? 

MY PAYMENTS MADE TOWARD MY LOAN are described in transaction details as Late fee adjustments My PAYMENTS are distributed as refunds back to my loan as if they are being distributed directly from Wells Fargo. 

My terms were broken, false charges, Fraudent duplicate other charges with no description or cause.
Product: Checking or savings account

Sold my home- closing on XX/XX/XXXX. Same day : Wired XXXX into my acct at Chase Deposited XXXX ( from my XXXX XXXX XXXX acct ) into my acct at Chase Wire OK Check put on hold for XXXX business days ( XXXX confirmed funds released XXXX ) As of today ( XX/XX/XXXX ) funds in Chase acct but check on hold - explanation - acct open in XXXX
Product: Credit reporting or other personal consumer reports

The following accounts were charged off as of XXXXXXXX XXXX. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include any active payment history. Need I remind you this is also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Upon arriving at the car rental kiosk ( XX/XX/2013 ), the gentleman behind the counter informed us that we had to purchase insurance, and that because we did not book directly through XXXX, we did not see this disclosure. Our original XXXX quote was for XXXX XXXX ( attached ). We ended up with a XXXX XXXX bill ( which converted to {$920.00} on XX/XX/13 ). We are not disputing this charge, even though we were bait and switched. 

When we went to the parking garage to pick up the car, the gentleman at the desk took his portion of the paperwork and told us where the car was ( which wasnt even in the spot he told us ). He NEVER did a walk around with us OR offered us a walk around. The security cameras will show this between 14:41 hr 15:30 hrs. 

Upon returning the car ( XX/XX/2013 ), the gentleman ( a different person ) did a thorough walk around. He showed us three areas of damage. We told him they were already on the car. He made a call, and told us all but one was previous damages. He pointed to a ding on the drivers side door that can only be seen when the light hits the spot just right. I told him we did not cause the damage because we never even noticed the spot while we had the car and the spot was barely visible in the dimly lit parking garage. I asked what was going to happen and thats when he pretended to no longer speak or understand English and pointed upstairs. 

We were smart enough to take a picture using a XXXX XXXX cent piece, which is the exact size of a US XXXX XXXX  piece. The picture attached shows that the spot is maybe 1/5th the size of a quarter. 

Upstairs at the rental kiosk the lady told us the fleet manager would have to take a look at the damage. She said we would be contacted. We have NOT been contacted at all since we'd left XXXX. We left XXXX on XX/XX/2013. We also dont know how to get ahold of the company, because it was a XXXX company ( XXXX ) affiliated with XXXX. And as stated in the first paragraph we were bait and switched upon arrival. 

This was our first foreign vacation and we were nervous and inexperienced. We did not speak any XXXX so we were easily duped. Regardless, we maintain we did not cause the tiny ding and should not lose our deposit over basic wear and tear on the vehicle. 

We provided all the evidence to the credit card company and the credit card company refunded our deposit. Since we did not hear anything from the rental company, we'd believed the matter was closed. Sometime afterward, the rental company turned in the " deposit '' to collections, which has consequently placed it on my credit reports. We have had our attorney contact Cedar Financial but Cedar Financial quit communicating with our attorney. 

Again, we do NOT dispute that we'd rented the car, but we do dispute that we'd damaged the car. And when nobody could prove it, it becomes an erroneous claim. Also, I believe this company is notorious for this scam on others. See the link of reviews regarding this company that I'd found : XXXX XXXX XXXX As you can see in the attachments, we believe this debt is fraudulent and should be removed from the credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

Dear CFPB, I am filing a formal complaint against XXXX, Equifax, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Student loan

I believe this servicer ( American Education Services ) is incorrectly calculating the interest charged to borrowers. The original load was in the amount of {$33000.00} and was disbursed on XXXX/XXXX/05 with a term of 238 months and a monthly payment of {$230.00}. The reported interest rate is XXXX % and the accrual method noted is simple interest calculated on the balance. According to their information the daily interest is the principal balance x XXXX % divided by 365 days = the daily interest accrual. I have used a number of simple interest loan calculators to compare their rates and payment terms. In all cases they are charging at minimum XXXX % greater in interest than the reported rate. 

With all of the current discussion concerning the impending student loan disaster I decided to go back and review the loans for my children. Based on the calculations it would appear that just for this loan it will cost about {$6900.00} more than the published information. If I am missing something I would like to know what it is. Otherwise this constitutes fraud I and needs to be investigated.
Product: Debt collection

I received an invoice dated XX/XX/20 in the amount of {$350.00} for supposed medical treatment from an ambulance company. Thirty days later I received a noticed from a collection agency now asking for {$420.00}. Per the FDCP, I'm not sure this constitutes a reasonable period of time before referring to collection agency as well as reasonable charges added to the supposed debt. in addition, I never received a copy of any signed form the clearly outlines payment timeframes as well as any future fees that could be added which is required by the FDCPA. Lastly, this invoice is fraudulent by nature since I received no medical treatment or transportation from this company. Any form I may have been coerced into signing was due to being severely intoxicated. The police officer involved also advised my parents that treatment and transportation was turned down.
Product: Credit card or prepaid card

I cancelled my American Express Card ( account XXXX ) but the company refused the credit the annual fee back, hence I could not close the account. Every month, for the last XXXX months, I am charged a late fee of {$35.00}, which has increased the outstanding on the card to {$160.00} ( annual fee plus month charges ). I called up XXXX multiple times, but they have refused to credit back the monthly and annual fees. Since the payment is outstanding for XXXX month, they will be sending it for collection.
Product: Checking or savings account

I Opened account with Bank of America and out of nowhere they closed the account. They said they didnt have to disclose the reason and they didnt give me a notice as they said they did or I wouldve withdraw my money. 

They said they were going to return my money in a cashiers check. But the money never came. Ive called three or four times, and they say that the check was issued and sent to my place but it never came. 

Now Im calling and they say I have to wait 120 days until they re-issue another check or I have to wait until this check is returned. This is the most inconvenienced Ive ever been by a professional bank. 

The customer service is terrible regarding this issue. They act as if Im a non-factor now that they closed my bank. 

They said they couldnt even track it because they didnt put a tracking number on a cashiers check. 

Having to go months without my money is outrageous. They took it within 30 minutes but now I have to wait three or four months to get it back no matter the hardships I am enduring. 

# Terrible
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy.

After reviewing my credit reports, I noticed that you are alleging that the following account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report, therefore you must remove all adverse remarks for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Product: Debt collection

Upon checking my credit report i realized there is a depth collection on my report trying numerous times to collect a depth that i have no knowledge of i have not signed nor entered into any agreement with this company
Product: Credit reporting or other personal consumer reports

i have been fighting this for 2 months now. i never inquired about a car and have asked for these inquires to be taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding multiple fraudulent accounts and inquiries that have appeared on my credit reports with all three major credit bureaus ( XXXX, Experian, and XXXX ). Despite multiple attempts to resolve these issues directly with the credit bureaus, these fraudulent entries have not been removed. 

Details of Fraudulent Accounts and Inquiries : Accounts : XXXX XXXX XXXX, open date XX/XX/XXXXXXXX XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  open date XX/XX/XXXX XXXX XXXX, open date XX/XX/XXXX Inquiries : XXXX, XX/XX/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 XXXXXX/XX/XXXX Attempts to Resolve the Issue : I have sent multiple dispute letters to the credit bureaus using my legal rights under various laws including : Section 609 ( a ) ( 1 ) ( A ) 12 CFR 1006.34 ( b ) ( 5 ) 15 USC 1681 I have also informed the bureaus that I will pursue legal action for each fraudulent account and inquiry left unresolved, demanding {$1000.00} per account and {$10000.00} for pain and suffering due to my inability to rent or buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted several letters to the XXXX, Transunion, and XXXX  to resolve these matters. i have pointed out the inaccuracies and inconsistencies and they still continue to report on my credit report. XXXX   and XXXX  claims they verified the bankruptcy reporting on my account. However XXXX XXXX has deleted the item from their report, because they could not properly verify it. i have enclosed the most recent letter sent to them, and the letter from XXXX XXXX.
Product: Debt collection

I 've recently received notice of wage garnishment of a bill/debt obtained from Pressler & Pressler , LLP that dates back to XX/XX/XXXX for something I do not know nothing about because from XX/XX/XXXX I was XXXX until XX/XX/XXXX and the matter at hand does n't even have correct government name..
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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
Product: Checking or savings account

On XX/XX/XXXX I made 2 ATM deposits at the US BANK located on XXXX XXXX XXXX in XXXX AZ. 
XXXX for XXXX cash another a check for XXXX. Both were then pending as US bank states that they don't process deposits on the weekends. Both were completed on XX/XX/XXXX. I then attempted to use my debit card for a transaction and it was declined. I contacted us bank by phone and in person and was told that the XXXX dollar check was placed on hold. They are are holding funds without notice after they made then available. Charging fees and causing my account to be overdrawn I have attached a XXXX of the deposit showing completed.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank, has no email address or phone # Listed, has been reporting Me as I am deceased. XXXX XXXX!! 
Lowe 's XX/XX/2022 Lowe 's Cancelled my application because I am DEAD, Ha!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to all three bureaus multiple times over the past 2 years months asking for my personal information to be updated. They keep procrastinating they've also sent me a letter asking me to verify that it is me that's sending the letters, so I also sent hand written letters as well. But it is now becoming a huge frustration because there is a lot of inaccurate information on my credit file along with someone else name. At this point the neglect to the situation is absolutely unjust. This is hindering me from achieving my credit goals and is totally unfair to me as a citize. After multiple communications and still not completed.
Product: Credit reporting or other personal consumer reports

I was absolutely shocked this morning to see incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my report, and this time, there were errors out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the inaccurate accounts remained. Because of this, I urgently request that the documents I've sent be thoroughly reviewed so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : JPMCB CARD SERVICES