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

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXontacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting or other personal consumer reports

I let the rep know in the screen shoys in emails attached that XXXX is NOT repoerting to my XXXX or XXXX account. On our phone call also previous conservations with XXXX they report to all 3 beaurus. In emails she said only 2 beaurus. Its currently reporting only to Experian. I'm asking XXXX to do their dye diligence that this is reporting to XXXX and Experian
Product: Debt collection

In accordance with the Fair Credit Reporting Act # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Vance & Huffman LLC Account Number. : XXXX {$3200.00}
Product: Payday loan

Citi management group keep calling about a loan i supposedly had 1 year ago, due to the harassment and threats i made XXXX payment of {$77.00} then XXXX further payments. 
they called the other day for more money but i was not able to pay the full amount, this resulted in me being told i would be taken to court and arrested. Also my amount owed would go from {$1300.00} to {$2800.00}. 
I was told they would tell the court i refused to pay the payment amount when i actually offered to make a reduced payment because i was not in a position to pay the full amount. 
I requested a copy of our " recorded '' conversation and was told she would n't play these games with me and i would be seen in court. 
Also i never received any paperwork with details of my loan or payment plan, i requested these several times and was told i would receive them. 
I NEVER ONCE REFUSED TO PAY THE LOAN IN QUESTION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuse to remove negative information about credit card. XX/XX/XXXX called to settle account rep said nothing owed account is closed with XXXX balance. Months later received updated credit report account reported delinquent with incorrect balance {$2000.00} instead of {$1300.00} ( which I was told was a {$0.00} balance ). Disputed the information denied claim information remains. XX/XX/XXXX tried again disputing information denied. XX/XX/XXXX spoke to credit bureau advised to dispute with XXXX so I did and got absolutely no where. The lady involved from synchrony told XXXX that they will not update my information told me my account was sold to a third party. If I had a problem with the amount in question I had to contact the company it was sold to. I proceeded to ask how will that help with my complaint if my issue is with your reporting not the third party it was sold to. No answer. 
Credit agency tried again reporting as to old remove from file and denied and synchrony updated the file that account information was updated in XX/XX/XXXX and last payment was received in XX/XX/XXXX and I havent done anything with this account. Im so sick of this account its been nothing but problems and everyone pointing the fingers and passing the buck. And in the end Im getting hurt.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX we noticed our credit report was pulled when we viewed it. We contacted the company Advanced cash XXXX. A Loan was issued with my social on XX/XX/year> for {$1200.00}. Loan number XXXX. We contacted them. They said they would investigate. We were notified they closed the account. Later We reached out to them to find out if they will hold us responsible for the loan out in my name and they have not responded. Also I inquired if it would be reported to the credit bureaus. They did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed and payment plan up and has been paid on time. Capital one still reported on my account as a charge off and is collecting a tax credit and payment from me
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to you the other day saying .. I have wrote multiple letter to capital one about charges and account being fraud..credit card ending in XXXX.. had charges on it after I paid it off on XX/XX/2018.. I do not want the capital one cards to come off my report as it hurts my credit score.. I want new cards sent to me at my address on file and all charges taken off. I wrote letters after letters.. I do not want my credit score hurt or accounts removed.. I want new cards and charges fixed. I will send the charges again to have them removed.. I want my account to to stay on my credit report. For over year, I have been writing letters.. please send me cards and do not remove accounts off my credit report. On XX/XX/XXXX, I requested new cards over the phone as well. Account ending in XXXX is in good standing and does not need to be removed off my credit report. Just need new cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing today, is that Capital One is being unreasonable, I have noticed that they are reporting a late payment around XX/XX/XXXX of my cap one/XXXX account. I opened this account on XX/XX/XXXX and have had an outstanding reputation in as far as paying my credit obligation is concerned. capital one representative told me they make goodwill adjustments for medical issues but when I called the executive resolutions they flatly refused I've always paid above the minimum on all my Capital One accounts including my credit cards. Sometimes even 3x more than the minimum which I did many times before the stated late payment occurred. Were it not for the, hospitalization issue I had during the XX/XX/XXXX billing cycle, I would have cleared my {$25.00} fees that was due as I usually did, and maintained my 100 % record. capital one representative told me they make goodwill adjustments for medical issues but when I called the executive resolutions they flatly refused I request the late payment be removed from my payment history as it is adversely affecting my well- being as a US citizen. Please, remove the late payment history of this Retail credit card account. : CAPITAL ONE / XXXX Account Number : XXXX So please resolve this thing permanently and get back to me once you have, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I requested XXXX to remove from my credit report files, information about my student loans that are affecting my credit, and my ability to move on and rebuild my life. 

Originally these institutions used to have my loans : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Status : Inactive as of 1996XXXX I already consolidated these loans with XXXX XXXX XXXX XXXX, and I'm paying on time. These double reporting is causing a double effect on my credit, on one side I'm receiving positive reviews for my good payments with XXXX, and in another hand a negative one from those mentioned. We have to take into account that these are the same loans, the same amount of money lent to me, and is causing collateral damage. 

These double reporting mix is inconsistent with the honesty of the agencies and does not help me build my credit, do not preserve the integrity o my responsible history payments. 

Please help me with XXXX, and Transunion to remove this information. XXXX already removes them. 

I'll be eternally grateful, Thank you very Much. 

XXXX.
Product: Money transfers

Western Union XXXX My WU # XXXX - XXXX : Gentlemen : I, this night, have tried to transmit funds to a friend out of the country. 

Transaction Code XXXX. 

After entering my credit card data and you drafted my account for {$140.00}, I received notification that you, for some unknown reason, have rejected my attempt. 

I have sent funds via WU on line several times within the past year without any problems. Now you tell me that I do not comply with your company policy. 

Before you respond, please be aware that my identity was stolen by another person with the same name who alleged he was me. If you check Facebook for XXXX, you will see three pics. The younger one is also an imposter that has an address in XXXX, Tx. 

I am the older one with the clean shaven face. 

The third one with the goatee is a scammer being hunted by the Kansas policy and the FBI. I know for a fact that he has scammed a lady in Kansas of {$250000.00}. 

I have been in touch with the police and with the lady and have been cleared of any participation. 

My correct address is XXXX. ; in XXXX, TX XXXX. And my phone number is XXXX. 

I do n't send month regularly overseas, but now with your denial of service, I am concerned and want to know what information you have that has made you cease doing business with me. 

If necessary, I can provide you with my valid TX DL to prove my identity. 

I am a XXXX Veteran of the XXXX, am XXXX years old, and I am sure you would not want this to be broadcast over the internet or TV airways as to your singling out someone like me to XXXX, of the XXXX American Vets, or XXXX regarding your treatment of me, without any consultation. 

Furthermore, I am distressed that you accepted my credit card payment, denied my transaction, and then l am told that I will have to wait 5 to 10 business days before the funds are returned to my credit card bank. THIS IS TOTALLY UNACCEPTABLE. In light of today 's computer technologies, you accepted payment right away, are holding the funds, and thusly, I have incurred charges on my bill. 

I trust you will do the right thing and amend this existing situation right away. 

Furthermore, I feel that I have been unjustly treated with your actions and failure to assist in correcting this. Consequently, I am notifying the Texas Department of Banking, as well as your Consumer Financial Protection Bureau Sincerely, XXXX CC : Texas Department of Banking CC : Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on numerous occasions i have contacted the credit bureaus to remove information that is not accurate on my credit file XXXX company has violated my rights multiple times by reporting such information -15U.S.C 1681 section 602 A. States I have the right to privacy. -15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681 c. ( 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. every time i tell them to delete the information and advise them of the rights and laws they are breaking. i will file a lawsuit if they do not delete the account below account- XXXX XXXX XXXX -acct # XXXX XXXX XXXX - acct # XXXX
Product: Debt collection

On XXXX XXXX, 2016, I purchased by Electronic Check, items totaling {$76.00} at XXXX XXXX in XXXX, Oklahoma. The purchase cleared the Point of Sale terminal and the clerk handed me the receipt and the processed personal check back with no indications of a transaction error. Later, on XXXX XXXX, 2016, I receive in the mail a Notice of Failed XXXX Transaction from Telecheck XXXX XXXX XXXX XXXX claiming that banking information was not read correctly from the check at the Point of Service terminal at the time of purchase. Telecheck has referred this " error '' to their TRS Recovery Services as a debt collection. How can a supposed check reading error be in debt collections when Telecheck has the money and has not yet processed the transaction? Telecheck states in this letter that they need additional bank information and personal information from my checking account to correct this situation. I contacted my local bank and described this letter to them and the bank stated that there are " red flags '' involved with this letter. My bank recommended I put a stop-payment on the check with the purchase. I did this on XXXX XXXX 2016, I also the same day went to the merchant and offered to pay the amount of the stopped-check in cash and request a receipt. After a hour of going back and forth with 3 different representatives over the phone with Telecheck and XXXX XXXX representatives and the store manager and all adamantly wanting to know our bank information and that that we pay again by check, they finally gave in a let us pay for the items in cash with receipt. The representative on the phone with Telecheck made threats over the phone that this situation is not over yet and I will be receiving more threats in the mail. It is time for me to get an Attorney.
Product: Checking or savings account

USAA closed my account and told me funds would be sent within 30 days. I have since contacted them multiple times and they can provide me no information regarding when the funds will be sent to me. It has been nearly 60 days and they continue to provide no information regarding fund distribution. They continue to act like they dont know what is going on with no resolution.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 XX/XX/year> 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 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
Product: Checking or savings account

Like many people, I don't really use my savings account. It's a nice perk I guess, a rainy day fund that allows me to mentally set some money aside. I've had checking and savings accounts with Bank of America for almost 15 years now. For almost all of that time, no fees. I grumbled but accepted it when my checking account gained a conditional fee a few years ago -- a change I originally found out about on the news, rather than the bank telling me ( I did get two emails from the bank that outlined the change later, before it took effect ). 

But apparently, my savings account was ALSO converted arbitrarily. I only got one email mentioning any sort of fee or change, on XX/XX/XXXX. The email was deceptively titled " Welcome to your new savings account '', an anodyne marketing phrase that most people tend to ignore and bearing almost no relation to the actual, involuntary changes made to my account. The " new '' account apparently requires an independent balance of {$500.00} dollars, or else an {$8.00} charge is applied monthly from the same account. So, back at the start of XXXX, I decided that the piddling amount of interest they were offering was irrelevant ( something like XXXX cents earned in XX/XX/XXXX ) especially compared to 1 % interest peers, and transferred a good chunk back to my checking account. I did not realize any changes had been made to the account, much less without a good-faith attempt at contacting me about it, and at the time I hadn't been charged anything because my balance was high enough. 

Since the beginning of this year ( XXXX ) I have been charged XXXX dollars monthly. I didn't realize this as, like again virtually all people, I assume that a savings account will never change and is not something I would check regularly. I only discovered this today, where I asked to get refunded ( only two months were refunded ) and closed the account. 

This is possibly the most anti-consumer practice I've seen in a long, long time. The charges are drawn from the savings account directly, where they are not likely to be seen and noticed by the customer, even though the checking account is linked. The charges bear absolutely zero relationship to the actual cost of managing a savings account, which is minimal for virtually all banks. Changes were made to the account without what I consider a good-faith attempt to notify the customer. I would expect a phone call or multiple, specific emails containing the information about the change prominently instead.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of FCRA 15 U.S.C. 1681S-2 1 ( a ) ( A ) ( B ) ( 2 ) ( B ) reporting a sold account as a collection and with a balance
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report from Experian on XX/XX/year> and noticed that several accounts are illegal and in violation of FCRA XXXX ( A ) ( XXXX ), and Regulation F. 
The aforementioned accounts are : XXXX all DEpt of ED/XXXX  XXXX ect. accounts. These account are actually in good standing and the late payments status is not permitted nor consented to. 
XXXX XXXXXXXX XXXX XXXXXXXX ect. This account is reported in error as the bureau did not take steps to ensure my rights were protected under FCRA, US Tax code109c requirements, and regulation F of FCR Act. Furthermore any debt collector who purchased this account failed to notify me before reporting this account. 
XXXX. XXXX XXXX XXXX this account is illegal as it was charged off/Sold and i did not receive 109c documentation and was never contacted by anyone containing to permission to nor do i permit information in this account to be reported herein nor never. 
this account is also inviolation of rule F of the FCRA and the transactions and permissions standards of account information reporting.
Product: Debt collection

That has been recirculated now XXXX times and is the result of retribution for a bad XXXX review when they charged my account {$40.00} for a missed appointment for my XXXX daughter. I had never signed any paperwork saying that I would pay such a feat and I tore them up on yelp now they will not let it go in this company continues to persecute me for any legal debt debt I do not know that they have no proof of and yet they continue to extort people for fake debts. When are we going to stop it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX, XXXX they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on these accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. Please remove these accounts immediately because they are impacting my ability to gain credit.
Product: Mortgage

I turned in a complaint on XX/XX/2018 about Wells Fargo foreclosing on my parents home. I know they say it could take up to 60 days. My mom signed the third party paper for them to talk to me about this. I have talked to XXXX twice now and when I ask question he has no answer he says. I get letters in the mail that he needs more time. I dont know if he is really working on our case. I feel he is prolonging this so I dont hire an attorney. I have questions of why Im next of kin when my dad passed and I was never notified and why the VA took my dads name off the loan? When I called the VA they had no record of my dad just my mom. Also want to know why no one served my mom even letters on the door or served her or anything and its been a month in a half. Again I feel we are getting the run around. Also want to know what happened to the difference in monies that was made off there house when Wells Fargo sold it XXXX and some change. Thats the problem with this hole issue. I know I put the name XXXX in my last complaint but actually it was XXXX that I dealt with. I think its time to go public and get a hold of AG of US to get some answers. I have been very patient with Wells Fargo and Im tired of this. They dont take their time to put a XXXX year old woman on the street. I think this is wrong and discrimination and I want some answers. I will also be getting a hold of the CEO of mortgages at Wells Fargo and the news. Thank you for your time and I hope to hear back soon.