23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXXXXXX sent me a letter stating I do not owe the debt and it would be erased from my credit report in full. I have the letter from XXXXXXXX XXXX XXXX  stating that but they must have still sent it to a credit collections account that is report false information to my credit report. LVNV funding LLC I want this removed ASAP. This is reporting on my XXXX credit report as a collection account that shouldnt be there
Product: Credit reporting or other personal consumer reports

AIDADVATAGE says I owe over XXXX. Since XXXX and that my name is XXXX XXXX XXXX. I've never used XXXXXXXX XXXX XXXX  in my life They kept trying to get me to say on a reordered line that it's me and it's not so I will not scammed This is on my credit report also ..this is unfair and I want either payment for the pain and suffering I've endured for thf past 30 hrs over this embassment or I want it disposed of I will not pay a bull under someone else 's name
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed there were inquiries listed that I did not recognize. I contacted the companies, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. I must request your help in resolving this matter. In accordance with the Fair Credit. Below are the inquiries in question. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/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

In accordance with the fair credit reporting act, equifax and XXXX display 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 sec 602 A. States,, I have the right to privacy. 15 USC 1681 section 604 A.section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I was charged {$74.00} in fees in which were not warranted. The fees state overdraft however my account was never overdrafted. My balance on XXXX was {$45.00}, on XXXX a deposit was made putting my balance at {$520.00}. Then I was charged XXXX for over drafting with a positive balance. This is n't the first time TCF Bank has tried to take money from my account for overdraft which never happened.
Product: Debt collection

On XX/XX/XXXX someone claiming to work for Credence Resource Management contacted me claiming that I owed debt to XXXX XXXX XXXX for two mobile phone lines opened in XXXX of XXXX. I did not open any XXXX XXXX XXXX accounts in XXXX, and haven't been an XXXX XXXX XXXX customer of any kind in at least 10 years.

I contacted XXXX XXXX XXXX directly to verify this call because I suspected that it was a scam. CRM did not provide any XXXX XXXX XXXX account number, but they did provide two phone numbers. I provided both phone numbers to the XXXX XXXX XXXX rep and she indicated that both phone numbers belonged to a business account, not a personal account, so that the call could not be legitimate, and must be a scam.
Product: Credit card or prepaid card

on saturday XX/XX/2022 @ XXXX i received a text message from phone number XXXX stating the following : <! >BofA : Your card has been temporarily taken down due to some pending activity. Follow sectl4sbofa.com to regain your access the thing is, i don't have a BofA card and don't believe i've ever had a card with them this is not the first time i received a message like this please follow up with this and advise
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, TransUnion, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source.

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports.

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately.

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Notice of Legal Representation and Noncompliance with FCRA To the Institutions Demonstrating Willful Negligence and compliance to the Laws, It has come to my attention that despite my formal request under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block all disputed information or items on my consumer credit report within four days, your agency has failed to comply with this legal requirement. Furthermore, no communication has been received from your office through the CFPB regarding the actions taken or the reasons for any delay or noncompliance.

Additionally, I must emphasize that your agency is obligated to block not only the disputed information or items requested but also any wrong information or items you are reporting on my consumer credit report. Failure to ensure the accuracy of the report violates your statutory responsibilities under FCRA 611 ( 15 U.S.C. 1681i ) and demonstrates a troubling pattern of negligence.

As a result of your continued disregard for these obligations, I have retained a law firm specializing in Fair Credit Reporting Act ( FCRA ) violations to address this matter. My law firm is actively reviewing your agency 's actions and will pursue all available remedies, including : Filing a lawsuit to seek damages for willful noncompliance under 15 U.S.C. 1681n, including statutory damages, punitive damages, and compensation for financial and emotional harm.

Reporting your agencys noncompliance to other government authorities, such as the Federal Trade Commission ( FTC ) and the State Attorney Generals Office, to ensure accountability and further oversight.

Please be advised that this is not merely a matter of dispute resolution but a legal issue that will now be handled by my law firm. Stemming from the statutes governed by the Rules of Laws, I trust that you will reconsider your obligations under the FCRA and take immediate corrective action to avoid further escalation.

Should your agency wish to communicate regarding this matter, please direct all correspondence to my law firm. Failure to comply with your legal responsibilities will result in further action through appropriate regulatory authorities and the courts.

Sincerely, [ Your Full Name ] [ Your Contact Information ]
Product: Credit reporting or other personal consumer reports

I am contacting Transunion in regards to the recent response to my CFPB Complaint # XXXX. Transunion has investigated the account XXXX XXXX XXXX in the past and marked my report as verified/acceptable. I followed up by sending a letter on XX/XX/2024, asking for verification of method of investigation. Transunion has not submitted status of verification within the 15 day window allowable according to FCRA. This is now a violation of my rights and the account reporting by XXXX XXXX XXXX is inaccurate as described in disputes. It has hurt me from receiving credit from lenders. I am disgruntled and demand Transunion to remove/delete the account reporting to XXXX XXXX XXXX as it is in violation with FCRA. Thank you,
Product: Mortgage

Wells Fargo foreclosed on my property in XXXX without even notifying me when they were taking over my property back in XXXX from my original mortgager who was XXXX  XXXX I believe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is attempting to open accounts in my name which is fraud. Please delete these request.
Product: Credit reporting or other personal consumer reports

I review credit report and notice XXXX department of XXXX appears with duplicate accounts same balance and different account number. I tried to contact department of XXXX and credit beaura about the issue they stated it will take 30 days dispute instead it remained the same as accurate and 29 duplicate accounts still on my credit report. So I contact department of XXXX about the accounts again they did submitted documents with adjustment made for cancellation and removed off my credit report with only 13 accounts in good standard, all 13 accounts paid in full, XXXX and {$0.00} balance but credit beaura didn't respond. So now it's under investigation and planned to hire a legal aide lawyer to resolve this matter.
Product: Credit reporting or other personal consumer reports

I'm a victim of XXXX XXXX My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$590.00} XXXX  XXXX {$0.00} XXXX XXXX Balance {$2400.00XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX Balance {$1500.00}
Product: Credit card or prepaid card

I believe this is a fraudulent email that I get saying someone made a fraudulent charge to my account of XXXX and they say to call this number : XXXX to straighten this matter out otherwise I will be charged XXXX. Invoice # XXXX. I know this is a fraudulent matter.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit despite my efforts to resolve this directly with the reporting agency and Experian, it remains unresolved. I request immediate removal of this item. Experian did not properly investigate this dispute and failed to remove errors on my report. The investigation was a sham. Account XXXX  Date opened XX/XX/year> Reason for dispute the account does not belong to me it was created fraudulently.
Product: Checking or savings account

I was a client for welI fargo for about 4 or 5 years and i had to switch banks because i was constantly being wrongfully being charged a monthly fee when I had a checking account that if I used my debit card 10 or more times a month making purchases or ATM transactions that I would not be charged a monthly fee., i used my debit card at least 50 times or more a month, I was aways missing money and had unauthorized charges on my account, I would deposit money through the ATM ( cash and checks ) and would have to wait for a couple of days for my deposits to be available ... also about 4 or 5 months ago I went up north to New Jersey due to a family issue and when I came back wells fargo closed my account saying that my account was {$600.00} over drawn when I have not used my account in 4 or 5 months
Product: Credit card or prepaid card

Through XXXX XXXX, I received a request to join a secret shopping service by the name of XXXX XXXX. As I did research, I could see that this appeared to be a valid company. 
As I clicked on the link this appeared to be a legitimate business. 
I was recently laid off from my employer, and this seemed to be a way to earn some extra money. 
I completed the online request and was approved for the shopping position. 
AT NO TIME DID I PROVIDE MY AMEX account number for this. I was simply asked if I had an American Express account and I was notified of a {$2000.00} payment into my Amex account, and I was able to see to the funds go from pending to clear prior to making the purchases requested of me. I have no knowledge of how that payment was made or by whom. I assume that is where the fraud was initiated. 
The payment made to my account seemed legitimate and that is the reason that I moved forward with the shopping experience. 
I became suspicious when the item I was asked to mail XXXX   was not able to be delivered to the address that was provided. 
THAT IS WHEN I CALLED AMEX, and told them I was concerned that my card had been compromised. 
Most of the correspondence initially took place through email, and then moved on to text messaging, I have included ALL of this documentation as well as the police report. 

I realize there is not any type of recourse or chargeback to either the XXXX XXXX or the Mail Center. I want American Express to be fully aware that this entire transaction from the {$2000.00} payment to my account resulting in me purchasing an i-phone and mailing it XXXX to XXXX. Because this is fraud, for both American Express and me as the victim, I am asking that American Express not hold me liable for any this. 

I am and have been an excellent long time customer of Amex. I want this resolved immediately, it is causing me tremendous undue stress. 
This puts me in a situation of Financial Elder Abuse, I am an innocent victim who was taken advantage of. American Express should have called me about the $ XXXX clearly they could see it was not from my bank account. 

PLEASE HELP ME! Please see this from my side.
Product: Mortgage

The Single Point of Contact Department for Caliber Home Loans , Inc., located at XXXX XXXX XXXX XXXX XXXX, Ok. I applied for a modification on my loan XX/XX/2020 due to illness ( XXXX XXXX ), they denied me due to my income. I am a XXXX XXXX XXXX with my daughter, XXXX XXXX, who is a XXXX XXXX XXXX with XXXX XXXX. We do XXXX XXXX XXXX XXXX, we have a XXXX  XXXX  on the XXXX   which we should net $ 80K plus upon XXXX. I did an appeal requesting an extension until I sell the XXXX  and will be able to catch up my mortgage, approximately $ 20K, I haven't made a payment in 5 months XXXX XXXX, back on XXXX which my daughter is my Care Taker and have not had time to dedicate to XXXX  XXXX  due to helping me. Now that I am settled and doing better she is back to work. 

I filled for a Modification XX/XX/2020 and was denied due to my Income. I filed an Appeal in XX/XX/2020, they denied me again sending me the same denial letter stating not enough income. I sent them a copy of the proposed buyer contract showing the figures at Settlement. When settle I will have more than enough to catch up my mortgage and keep it up, my daughter will be helping support me. I don't think the Single Point of Contact Department Team even read my supporting material I sent. It is obvious I will have enough to catch up my mortgage and keep it current, all I am asking for is a little time so I can go to Settlement. Thanks for your time and consideration.
Product: Checking or savings account

1. The company discriminated against me ; 2. The company refused to deposit my check in the amount of : {$33000.00} ; 3. The company decided to close my checking account without any reason and without any explanation ; 4. Wells Fargo Bank - accepted my check for {$33000.00} and refused to deposit it ; 5. The bank wasted my time and held my check for months and continues to hold my original check for the amount of : {$33000.00} ; 6. The bank decided to close my account because of my nationality, my accent, as well as my immigration status and my English language skills ; 7. The bank accepted my check and did not give me any information for several weeks in a row, holding my check for the full amount : {$33000.00} ; 8. The bank did not provide me with any initial amount, not even the minimum amount of money, despite accepting my original check with a large amount of money : {$33000.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a 30-day late payment.

Misapplication of Payment : Payments for XXXX, XXXX and XX/XX/XXXX were sent and processed on time, but were not properly credited to my account due to an internal error by XXXX, leading to the incorrect reporting of 60-day and 90-day late payments.

I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that all payments were made on time and within the contractual grace period.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

In XX/XX/XXXX I asked that Wells Fargo to report me making my monthly mortgage payment to the 3 credit reporting companies. In XX/XX/XXXX I had filed bankruptcy on my business, but not on my home. I have continued to make my monthly mortgage payments in a timely manner. 

In XX/XX/XXXXI was also married. At that time I submitted a copy of my Marriage Certificate and requested that the last name on my loan ( my maiden name as I was single when I financed my house ) be changed to reflect my married name. It never was done. 

In XX/XX/XXXX I became a victim of identity theft. I am a XXXX XXXX veteran, and also used my debit card at several large corporations who had their data hacked. At this time I started paying more attention to my credit rating and my credit record and realized that Wells Fargo was not reporting my monthly mortgage payments. Also, I knew that after 10 years my bankruptcy would start to fall off my credit rating, and I needed to get serious about re-establishing credit. 

In XX/XX/XXXX when I contacted Wells Fargo and asked them to please start reporting my monthly mortgage payments, they instead referred me to the " dispute banner displayed on account '' which referred to the removal of my bankruptcy filed in XX/XX/XXXX. Again, my bankruptcy filed in XX/XX/XXXX was for my business, and did not include my account with Wells Fargo, and I did not ask that the bankruptcy notice be removed. 

I asked that they start reporting my monthly mortgage payment. 

I received a letter dated XX/XX/XXXX from Wells Fargo with the following : " Because our review results didn't support your dispute, we've added a Compliance Condition Code on your credit report, which reads " Completed investigation of FCRA dispute - consumer disagrees. '' This code will remain on your credit report until you request we remove it. If you'd like the Compliance Condition Code removed, you may contact us at the phone number provided in this letter. If you'd like to submit the request in writing, you can send us a signed, written request. 

They included the phone number XXXX Wells Fargo has completely ignored my request, and my right, to have my monthly mortgage payments reported to the credit agencies and I don't know why. I don't believe me filing bankruptcy in XX/XX/XXXX on my business, but not on my home, should prevent my payments from being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.