23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A few months ago I had filed a complaint against the business with the OCC, Federal Reserve, and Department of Banking and Insurance, and all three agencies tried to reroute me to one of the others, claiming they can not handle my complaint. I thought I had filed a complaint with the CFPB after that, but it looks like I never filed it. Please see below the letter I had faxed to TD Credit Card Services back in XXXX after they had denied and mishandled my dispute, with no response from them Claim ID : XXXX It was stated to an agent the second time around that I did not notice the merchant charged me twice until shortly before I disputed the charge, which was why I just recently disputed it One, you accept disputes for more than 60 days for other reasons, so not sure why this one would be any different. Two, the agent never told me I only had 60 days to dispute the charge, hence how it was able to be disputed. I wouldve never wasted my time filing the dispute and getting my other bank statement and faxing your department if I was told it couldnt be disputed anymore. Three, if youre not going to credit my account because it wasnt disputed in 60 days, then why would you send me a letter dated XX/XX/XXXX requesting Attempts to Resolve?? All of that, just to turn around and say youre denying my dispute because it wasnt filed within XXXX  days?? Thats preposterous. At this point if you do not credit my account, I will be filing a complaint with the CFPB and the Department of Banking and XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed still 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 & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX, XXXX, MI ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance : {$13.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXXXXXX XXXX XXXX Balance : {$8.00} ; XXXX  XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is reporting XXXX on my consumer report. According to the IRS publication ( ATTACHED ), CHARGE OFF is INCOME. DELETE THESE INACCURACIES IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


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

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX & XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. XXXX XXXX, XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Debt collection

I was never contacted by Wakefield and Associates about any debt. I found out about it when they showed up on my credit report. I have never received a call or a letter about any owed debt. The medical company that uses their services had made a deal with me to have that debt paid. I paid the compaNY what was owed in exchange for them not sending it to collections. I have a recording of said deal. I also have the bank statement to prove the debt was paid.This agency has never called and identified them self as a collection company if they called or ever sent a written notice of said debt they were trying to collect on. This has lowered my credit report and will cost me money on the purchase of my next house since I have received a higher interest rate than what I should have recieved.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

According to NY Law, this company is not allowed to come after me or sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$1700.00}, opened on XX/XX/XXXX being reported by Missouri Higher Educ Loan Auth on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Missouri Higher Educ Loan Auth addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Missouri Higher Educ Loan Auth has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Product: Credit card or prepaid card

I have been a customer of Wells Fargo since XXXX having recently closed my bank accounts due to these ongoing issues. I procured my WF credit card in XXXX and it has been down hill since then. Wells Fargo is mismanaging my credit card and you need to know this. Payments have disappeared, money has not been credited to account, automatic payment form has a forged signature, and credit line changed without contact, and more. This mismanagement is so egregious that their own employees have agreed that there has been improper handling of this account. 

I have been dealing with issues on the credit card for three years and nothing has been resolved. Talked with three different people in executive office, numerous branch officials, and countless phone customer service agents. This led me to close accounts with WF to never bank there again. 

This is in line with their previous illegal practices which I do not mind seeking litigation for this issue.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX Account number:XXXX, XXXX XXXX account number:XXXX, XXXX XXXX account number:XXXX  , XXXX Account number : 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, credit repair services, or other personal consumer reports

I Sent in a dispute to experian, XXXX and XXXX inregards to errors on my report, that is reporting incorrectly.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
I haven't Received no physical document of debt or corrections
Product: Debt collection

For years, I have been subjected to relentless harassment over a medical debt that is not my responsibility. I have always been covered by medical insurance, due to my chronic condition of XXXX which necessitates lifelong medical protection. The issue arose when the medical service provider failed to submit the bill to my insurance within the required timeframe ( 1 year ), leading to the payment responsibility unjustly falling on me. I have made numerous attempts to rectify this situation, proving that I am not liable for these payments, but my efforts have been futile so far. I believe that the provider 's negligence should not impact my interests, especially since I have always been diligent in paying for my medical insurance. 

In response to this issue, I decided to send a debt validation letter to the collection agency that acquired my debt. However, the XXXX business days provided by the Fair Debt Collection Practices Act ( FDCPA ) for a response have elapsed, and to date, I have not received any communication from them.
Product: Debt collection

They said I took out this loan on XXXX XXXX and there's absolutely no way that I could have done that because I live in a totally different state and this loan was taken out in XXXX so how could it have been taken out in XXXX. So they are changing the date to suit them. So I feel that this is discrimination and rasist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  still reporting to XXXX and that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to XXXX. This is literally the example of holding my banking privileges XXXX and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. Being that they have gone past the 30 day make and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. 

Please resolve this matter as soon as possible. Thank you.
Product: Payday loan, title loan, or personal loan

They told me that my payments on a XXXX loan would be {$250.00} per month for 7 months, They email me the documents which showd the 7 payments, After they took antother payment two weeks later, I called and they said my payments were actually 14 biweekly payments of XXXX  each. Reviewing my loan documments shows that these addtiional bieweekly payments were grayed out. So i did not see them. After making three payments I sent them a letter advsing them that I would like for them to uphold what they told me. They refused to do it.

I have place a stop payment through my bank, and sent Kings Of Kask the following : XX/XX/2018 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, WI. XXXX Kings of Kash XXXX XXXX XXXX XXXX XXXX, MO. XXXX RE : Account # XXXX Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is XXXX. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer and by checks : This revocation applies to any and all future debits.

If yo would like to re-create the terms of the agreement please contact me by writing.

Sincerely, XXXX XXXX
Product: Checking or savings account

I am filing a complaint to CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other income deposits. Capital One has cited technical issues which violates the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws. I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

I purchased a vehicle that was totaled in an accident. The original lien holder was paid by XXXX and Gap insurance. This left a balance of roughly 2000. I received a letter from Jefferson capital a debt collection agency advising they own the debt and offered a settlement on the account. I received a call from Jefferson capital today and was advised the balance is now over 4k and they offered a settlement of XXXX. They are using deceptive practices in an attempt to collect on the deficiency balance which is not legal
Product: Credit reporting or other personal consumer reports

I sent my fraud report to these companies, letting them know that it was not me that applied on those inquire reports and they still have not done anything about it. I would like these reports investigated and removed once they find out its not mine or I will have to sue them for this inconvience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts to correct the issue with the three major credit bureaus. My complaints have fell on deaf ears. I've never had my complaints properly addressed and this is my last attempt trying to correct this issue and having this inaccurate information removed from my file before I seek legal remedies. 

The following items are a result of fraud and having my identity stolen : 1.XXXX XXXX  XXXX XXXX XXXX  2. XXXX XXXX 3.XXXX XXXX XXXX 4 . XXXX XXXX XXXX Ive included a certified police report copy of my ID and a bill that was requested to validate my request XXXX, Transunion and XXXX  have all failed in addressing my complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXX inquiry has appeared on my TransUnion report. This inquiry should be removed due to not having an open account with this business and is appearing on my personal credit account.