23daVinci/CFPB_Complaints huggingface dataset:
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 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 report 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This morning, I noticed that my credit report contains incorrect accounts, and I have no idea why. When I checked my report as I normally do, I was surprised to see unexpected discrepancies. I even refreshed my browser, hoping it was just a temporary glitch, but the inaccurate accounts remained. Because of this issue, I am requesting a thorough review of the documents I have submitted so I can finally stop worrying about this problem.
Product: Mortgage

I have opened a short sale and submitted a complete file as of XXXX/XXXX/16. To date, US Bank can only tell me that the file is stalled in quality control. XXXX, huh? Ten weeks in quality control!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is inaccurately reporting a balance of {$310.00} not owed nor verified if owed and have made multiple attempts to request verification plus proof via documentation as well as an investigation that I owe this balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed correspondence asking for investigation into information on my credit report on XX/XX/2021. I have not received a response from XXXX I followed up with a letter on XX/XX/2021. I have received no correspondence from XXXX regarding this request. 

I sent the same request to XXXX  and Experian, specifically requesting they show me the method of verification and send me the proof they retain that shows the reporting meets FCRA requirements. XXXX and Experian both verified that the information was accurate but have not provided any proof showing me how it's accurate. I sent certified mail to both bureaus that Experian received on XX/XX/XXXX and XXXX received on XX/XX/XXXX. Neither bureau acknowledged receipt of this letter that specifically says they did not honor my request of proof of the information reported on my credit report. On XX/XX/XXXX I sent a copy of my credit report showing specific items that I highlighted and explained why or how they are reporting erroneously that they had previously " verified as accurate. '' I asked that the accounts be deleted from my report as they are not permitted to report false information. 

I can provide specific information about the accounts that I believe are reporting erroneously upon request.
Product: Checking or savings account

XX/XX/2022 XXXX XXXX  FRAUD {$1900.00} TAKEN FROM BANK DEBIT CARD. 
XX/XX/2022 XXXX XXXX FRAUD {$500.00} TAKEN FROM BANK DEBIT CARD. 
BOTH ARE UNAURTHORIZED CHARGES. NO CONTACT WAS MADE WITH THE WITHDRAWER. 
DISPUTE WAS FILED ON XX/XX/2022 WITH BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Debt collection

Company contacted me on XX/XX/XXXX and left a voicemail saying they are trying to collect a debt. No make was mentioned and I have not received an correspondence in the mail notifying me of the debt and my right to dispute. Called me again on XX/XX/XXXX and left a voicemail and still nothing in the mail.
Product: Credit card or prepaid card

After receiving a letter from the Company outlining the credit card to end as of the end of XXXX, XXXX and to be able to redeem the earned rewards till the end of XXXX, XXXX, I contacted customer service in regards to my rewards balance of XXXX even before the end of XXXX. I was told that I could transfer my rewards to my statement balance to redeem and have not been able to do that so far. I have contacted them every month up to date in regards to my rewards either by email, phone & mailed letter to redeem. I was told that they couldn't do the redemption due to updates and they apologize for that but are working on it. As of now, they have closed my account, I called them on XX/XX/XXXX again in regards to redeeming the points because they in fact show up on my statement, but was told again that my account is closed but that I could in fact have XXXX points per XXXX. ( customer service ). 
If they can give me XXXX points why don't they give me all of the points that I have earned through the years. 
I have been an excellent customer, have paid them a lot of money over the years and this is how I get treated. I've earned those rewards and I don't understand why they won't let me have them. I have also filed a complaint with the XXXX which they have sent the complaint to them but the card company has not reached out to me so that's when I called them again as stated above.
Product: Debt collection

Caine and Weiner just reported a {$310.00} collection account on my credit report. Prior to the appearance of this collection account on my report, I did not receive a 30 days notice of my right to dispute. If I did, I would have contested this debt, as I do not owe it.
Product: Debt collection

Filed Bankruptcy on XXXX  due to identify theft. All items were cleared. Debt collection agency never showed to court to provoke debt. 
The information that are reporting is false, wrong social and spelling of name which is on the leasing contract held by leasing office. 
Debt collection agency has not provided me with any documents such as application or social. I have contact them several times but they continue to send me only the lease agreement.
Product: Student loan

These are the dates from Navient webpage of the hospital XXXX in XXXX XXXX CO making payments to the loan company and then you can see in XX/XX/2019 it looks paid off, they never called or left a voice mail or contacted me to let me know they sent me to collections, meanwhile online it appeared that payments were made and accepted by the loan company. I believe this to be fraud and inappropriate. If I need I have the receipts from the checks showing they were cashed as well. Earlier this month I called navient to see who paid off the loans and they said they could not help anymore because I was sent to collections. 

XX/XX/2019 PAYMENT ( {$1400.00} ) ( {$18.00} ) {$0.00} ( {$1500.00} ) XX/XX/2019 CLAIM PAYMENT ( {$65000.00} ) ( {$4000.00} ) {$0.00} ( {$69000.00} ) XX/XX/2019 PAYMENT ( {$1400.00} ) ( {$30.00} ) {$0.00} ( {$1500.00} ) XX/XX/2019 PAYMENT {$0.00} ( {$1500.00} ) {$0.00} ( {$1500.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.
Product: Checking or savings account

I had spoke to XXXX on XX/XX/XXXX regarding overdraft protection fees. Wells Fargo had transferred {$25.00} from my checking account to my savings account the same exact day that I had two XXXX transactions pull from my account. I was told from XXXX that she was going to take care of both {$12.00} fees and that I wouldn't have to call back. I was also told that same day from the person before her that I will have {$27.00} in my savings account. Since then, I now have an overdraft protection fee - {$12.00}, state sales tax - {$0.00}, and an overdraft fee - {$35.00} attached to my account. A representative had asked me if I wanted the bank to decline any future transactions and I had told them yes. I now have 2 new  transactions that are pending which will also have overdraft fees attached in the future - {$35.00} x 2. I was transferred to an " executive '' department and was issued a case number : XXXX on XX/XX/XXXX. I was told a case manager would be assessed to my case within two business days. We're now on the third business day and still haven't heard from anybody. I spoke to someone this morning, XX/XX/XXXX, and was advised that it only takes two business days, but then that statement was retracted. He also advised that I blamed the bank with the word " illegally '' in my statement, which is untrue.
Product: Credit reporting or other personal consumer reports

I got a personal devt consolidation loan from XXXX and made monthly payments of approximately XXXX per month on AutoPay. In the summer of XXXX I made a large payment to pay off my loan early. This large payment covered all the principal of the loan but a small amount was remaining on the balance for accrued interest from the last month. Then I called XXXX several times for the following reasons : 1 ) their automated system issued a statement showing a remaining balance of XXXX but amount due XXXX ( the typical monthly instalment ). I called to check if this was correct. They assured me that the account was on AutoPay and that AutoPay would only charge my checking account for the remaining balance not the full monthly payment. They said I do not need to take any other action.

2 ) two months later I got a notification from credit monitoring stating that there was a missed payment reported by XXXX. My account was on AutoPay but they did not take the XXXX. I called them and said that I had the loan on Autopay and I think their automated system had a technical bug where my large payment may have turned it off ( although on my online account it still showed AutoPay was turned ON ). I asked them to process the payment for the full remaining balance minus late fees. They had added late fees to the most recent statement but I told them the late payment was due to their system malfunction so I will not pay that. They agreed and processed the balance. Then they sent me a letter stating my loan was fully paid.

3 ) I also asked them to fix the credit reports to remove the late payment because their system malfunction caused it and it was now hurting my credit score. They told me to file disputes with the reporting agencies, which I did. But my reports are still showing late payments.

4 ) I was applying for a mortgage and the late paument was hurting my score and impacting the mortgage rates offered. I asked XXXX for a letter where they admit to their AutoPay malfunctioning and that the late payment was not my fault. They said they would send me this letter so I could give it to the mortgage brokers to improve my offered rates. XXXX did send me a letter but it did not admit to any system malfunction, it merely listed the dates that I had missed payments and when the account was paid off. This just made it look like I missed payments and it did not even mention their AutoPay.
Product: Credit card or prepaid card

I had a credit card with chase bank for around six months, just recently I opened another card with the bank. on XXXX XXXX 2017 I received a letter stating my accounts have been closed for 1. " not enough credit information on file '' 2. " the accounts on your credit report have not been open long enough '' 3. "  account not used as intended '' this causing me to lose points earned and create a horrible dent in my credit report to show a card closed by issuer.
Product: Credit reporting or other personal consumer reports

There was a TD Bank USA/target credit account opened XX/XX/XXXX opened in my name and was charged off XX/XX/XXXX. I have never opened a credit card through TD Bank USA/target credit , this is fraud. I have filed a police report with my local police station
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. Please delete the following account XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Domestic wire transfer of {$14000.00} sent from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to XXXX XXXX at Chase bank. According to chase, they returned the wire on XX/XX/XXXX at XXXX because recipients account could not receive wires. XXXX ran a trace and shows Chase received the money. I can not get a straightforward answer from chase as to where the money is and why it hasnt been received by XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

The debt amount is wrong, the original creditor was supposed to fix total amount owed, never received letters or phone communications from said creditor. Debt has been placed on my credit report more than once and is continuing to hurt my credit score with each new cancellation and reapplication.
Product: Credit card or prepaid card

On XX/XX/XXXX, I came to Sears store to purchase a mattress. I was offered by the Sales Associate to open a Sears Credit Card and if i spend {$1500.00} purchases the first 90 days, Ill receive {$150.00} store credit. I accepted the offer and opened the credit card. Once The Sales Associate finished the transaction, I noticed there was {$60.00} credit due to I used the card to make the first purchase at Sears store. I asked is this part of the {$150.00} or in addition to the {$150.00} and was told It is another promotional offer from the store. To be sure, I called in to Sears credit card and was confirmed by customer service that the {$150.00} will be credit within 1 or 2 billing cycles after the 90 days. 
Its the end of XX/XX/XXXX, I spent more than the required XXXX but i dont see the {$150.00} credit to my account, So I called Sears to follow up and was told the {$60.00} is all the promotional offered I got. I explained to them and they confirmed there was a call i made in XX/XX/XXXX regarding the {$150.00} but since i got the {$60.00}. They cant issue me another reward. 
I escalated to a manager who was very rude and told me there is nothing he can do. I stated Ill file a complaint because this is falsified marketing scam and he said go ahead. Attached is a screenshot of their promotional offer posted on their website as of now. I would like the CFPB to fix these marketing scam to protect our consumers. Thank you
Product: Credit reporting or other personal consumer reports

Today 's Date : XX/XX/XXXX Collector 's Name : XXXX XXXX XXXX Collector 's Address : XXXX XXXX XXXX, XXXX XXXX ca XXXX XXXX RE : Account of _ ( XXXX XXXX XXXX ) Account # of ending in : XXXX Dear Collector, I am writing in response to your letter or phone call dated XX/XX/XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' ( emphasis added ) I respectfully request that you provide me with the following : XXXX the amount of the debt ; XXXX the name of the creditor to whom the debt is owed ; XXXX verification or copy of any judgment ( if applicable ) ; XXXX proof that you are licensed to collect debts in Maine ; XXXX proof XXXX the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau XXXX XXXX ) XXXX then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute Signature XXXX XXXX XXXX Sincerely, Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX la XXXX XXXX
Product: Debt collection

This is a complaint against the following companies : Loan Originator : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Debt Collector who purchased the original loan from the Loan Originator : BCG Equities , LLC, XXXX XXXX XXXX XXXX, XXXX, WI, XXXX Collection Agency acting on behalf of the above Debt Collector : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX Summary of Complaint : This loan was taken out in XX/XX/XXXX in the state of Wisconsin. I settled the original amount but they tried to collect an additional amount of {$4400.00} ( in interest at an extremely exorbitant rate exceeding 400 % ). The " collection '' was sold to BCG Equities and they attempted to collect it in XXXX by harassing me with multiple letters, e-mail and phone calls. It is important to note that they were attempting to collect on this loan past the 6 year statute of limitations for the state of Wisconsin. I sent them multiple cease and desist letters.In retialition, they added a collection account to my credit report which I disputed with all the credit agencies and successfully removed. Their collection letters noted that this debt was outside the statute of limitations yet they were continuing to harass me. 

It is now XX/XX/XXXX, and they have hired a Collection Agency to act on their behalf to collect this same " debt '', by sending me e-mails and calling me on a regular basis requesting payment. I have just sent another of several cease and desist letters to both Collection Agencies noted above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - late closed- XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

upon pulling my credit report I have notices that I.C System as reported a debt on my XXXX report dated on XX/XX/2020 in the amount of {$490.00} and XXXX report dated on XX/XX/2020 in the amount of {$490.00}. I'm unaware of this debt and did not receive proper notification. if you believe you have supplied me with the proper notification, please provide the Certified mail receipt with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX. XXXX Date Opened : XX/XX/2010 Balance : {$130000.00}