23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Reaching out to Experian and XXXX to get updated information and challenge debt in my name to no avail. My username is the same as my email and when filing a dispute I do not hear back or receive any information, I try reaching out to the vendor that has the debt and they are unaware.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX XXXX XXXX ACCOUNT NUMBER- XXXX
Product: Student loan

In accordance with the Fair Credit Reporting Act, U.S Dept of Education has violated my rights.

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

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to repair the following items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My Name is XXXX XXXX XXXX i am from XXXX Mn My Bank Wells Fargo i was XXXX frad on XXXX XXXX  i called right away they sent me about 20 Letters saying they cant help me.i was I also went into my personal bank in XXXX after my husband and i got back from trip ' the lady was very understanding that i was ripped off {$3800.00} Dollars From ( XXXX XXXX XXXX Phone number XXXX My bank keeps telling me they cant really say if ill get my money back or not. 
Are Banks protected by this and required to get my money back?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold my debit to XXXX XXXX XXXX in 2019 and the account was closed. I made all the settlement payments with XXXX XXXX XXXX with my checking account. The company withdrew double the amount I was told. After completing my payment after 12 month. Non of my payments was reported. Im additional to that XXXX XXXX got the debit back and put it back on my credit report. I attached payments that was made to the collection Agency XXXX XXXX. This debit should not be in my report. The company withdrew more than was discussed my monthly payment agreed upon was XXXX they charge me additional XXXX for 6-8 months without my consent.
Product: Checking or savings account

CD opened on XX/XX/XXXX with WELLS FARGO. 
CD at Wells Fargo over XXXX years. XX/XX/XXXX the date " Grace Period '' ended was on a XXXX and I was told business days were not applicable for the " Grace Period '' and I am sure that information was available when I initially opened the CD. I called Wells Fargo on XX/XX/XXXX, on hold for about XXXX minutes with calling and transfers. Branches are not allowed to give me my rate over the phone????. After these transfers to various departments I was told NEW RATE of XXXX. While on hold I checked Wells Fargo website, it listed 3.5 % for a substantially lesser $ $ amounts than my CD. 

XX/XX/XXXX I took a day off work and traveled a XXXX, SC branch. They indicated that I would have to close old CD and open new CD. 

I received {$54.00} less than I initially deposited XXXX years earlier. So WF used my {$200000.00} for over 2 years and I owed them {$54.00}. 

That is a great endorsement for that bank. Ha Ha
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Experian Regarding Inaccurate Late Payment Reporting for XXXXXXXX XXXX Account Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX ( XXXX XXXX Account Rating : Closed Account Description : Individual, Closed or paid account/XXXX balance Dispute Status : Account not disputed Creditor Type : Auto Finance ( XXXX ), Auto Financing ( Experian and XXXX ) Account XXXX : Closed Payment Status : Current Creditor Remarks : Closed ( XXXX and Experian ), Closed or paid account/XXXX balance ( XXXX ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$0.00} Two-Year Payment History Discrepancies XXXX : Reports XXXX late payment for XX/XX/XXXX, which is inaccurate. 
Experian : Reports XXXX late payment for XX/XX/XXXX, conflicting with other bureaus. 
XXXX : Reports XXXX late payment for XX/XX/XXXX, which does not align with payment records. 
Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I've received a debt collection form a third party. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to Revenue Recovery Coporation. 

I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

They do not have my HIPAA release form therefore in violation of the HIPAA Act of 1996
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to Experian trying to dispute inquiries and they said they did not do those anymore. Said I would have to get in touch with the people who put the inquiries there. I did not have contact with companies and that's there job. In addition, XXXX can not be contacted to dispute other inaccurate information. Experian is basically trying to position themselves as a friend to the subscribers and not an unbiased agency. I do not have this problem with the other two agencies.
Product: Checking or savings account

I had worked in XXXX, I had direct deposit w Truist going into my savings. Thus year I had direct deposit, not realizing they were going to my closed savings acct. in XX/XX/XXXX. So my first two checks ended up in my checking account, somehow. Now since XX/XX/XXXX I have 4 checks go unaccounted for XX/XX/XXXX, XXXX, XX/XX/XXXX, & XXXXI have since closed checking. For 2 weeks I've been told by many people at Truist, they didn't know where the money went, until XX/XX/XXXX. I was told they took my paychecks to put towards my credit card. I was never informed by anyone at Truist, 1st that my savings had been closed or that they were taking my money for the credit card, they offered me no documents, receipts nothing. I had to go to 4 banks, no managers, many customer service reps. No answers. I have hit rock bottom not receiving that little bit of money. I am a XXXX XXXX XXXX XXXX I've lost my car insurance, can't get to XXXX XXXX, pay copay 's .... is this a proper practice taking my money without my knowledge?
Product: Debt collection

I am in the process of looking for affordable housing. So I wanted to secure that my credit was at a decent level so that my family and I could find a place that we could afford in California. Therefore, I signed up for the accessible overview of XXXX, which gave me a perspective overall on my credit. I mailed " Time Finance Co '' with certified mail yet had no proper professional response. There were many concerning issues, and I began researching my given rights as an American citizen and requesting CFPB to do a legitimate correspondence with " Time Finance Co. '' Document # 1 : XXXX XXXX screenshot of " Time Finance Co '' reporting to my credit report with the amount of {$4300.00} Document # 2 : -- Letter i had mailed to : Time Finance Co at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, which indicated that I needed further proof. Under the laws of California, UCC 9.506, XXXX XXXX, and XXXX statutes, a deficiency can not be asserted unless all of the mandated notices were adequately and convenient given to me and all of the allowable redemption and cure time limits were adhered to. 

Attention to : I. 9-506. - EFFECT OF ERRORS OR OMISSIONS.

II. 9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

III. 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

IV. 9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 


Therefore, Time Finance Co is OBLIGATED to deliver me all proper copies of the legal notices ( 1 ) proof of the commercially reasonable manner of the notification ( 2 ) verified resale of the subject vehicle ( 3 ) If no such proof is provided from 1 to 3 within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if Time Finance Co singularly or severally fails to fulfill the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.

Lastly, Time Finance Co is hereby informed that at no point in time and under no circumstances is Time Finance Co company ; an employee of your company ; a representative of the company, or affiliates are to contact me or any family members by any means other than the US mail system to the address stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Document # 3 : -- certified mail proof of sending a letter to Time Finance Co at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Document # 4 : USPS certified mail proof
Product: Bank account or service

I had a checking and savings account with Wells Fargo, I called them in mid XXXX to close both since I no longer had them servicing my mortgage. When I called I was told by a representative that there was a pending transaction and I had to wait until the following business day to close both accounts so the payment could post. I called back the following day and successfully closed both accounts. Wells Fargo sent me XXXX checks from the remaining balance in both accounts. Today Wells Fargo called me and told me that the payment they had told me posted had n't actually posted and that I owed them {$100.00}. This was for the {$33.00} payment which they told me posted and then XXXX overdraft fees. XXXX XXXX {$35.00} XXXX for the {$33.00} charge and XXXX ( {$35.00} ) for XXXX of the checks they had sent me after closing my account. I told them I would send them a check for the {$33.00} and they informed me that since my account ( which had been closed and they confirmed in writing ) was now open again without my permission I would have to write a letter, have it notarized and wait an additional XXXX - 10 business days after they received it for my account to be closed again. So they lied and re-opened my account without my permission and tried to extort me for XXXX overdraft fees.
Product: Debt collection

Company does not pick up the phone. Received notification of a collection bill related to XXXX XXXX, per XXXX XXXX resources, no bill is owed. This is a false collection with no account number, no debt, no answer just in my report damaging my credit score. I am currently in Escrow and this will impact the outcome of my home financing. No mail, no calls. Per looking at their website this is a known collection agency for making false collections
Product: Prepaid card

This complaint is for Northlane the company providing me with the prepaid card. On XX/XX/2024 I attempted to make an ATM withdrawal of {$150.00}. There was an issue with the transaction and the ATM did not dispense cash, but my Northlane prepaid account showed that the money had been withdrawn. This was {$150.00} plus a {$3.00} ATM fee. I called XXXX XXXX XXXX ( the owner of the ATM ) and their customer service suggested I contact my bank to dispute the charge. I faxed Northlane the dispute form, per their own customer service instructions on XX/XX/2024. Northlance customer service confirmed they received the dispute form on XX/XX/2024. Northlane informed me it would take XXXX to XXXX  days to resolve the issue. I asked to receive a temporary credit in the meantime, but customer service stated this was something they just didn't provide. I have been following up with Northlane every XXXX  days and they don't have any updates on the progress of the dispute investigation. I started looking online to see if I have any recourse to get my money faster and I came across a government resource that states banks generally have XXXX  days resolve a dispute and provide a credit if the investigation goes past XXXX  days. I reached out to Northlane with this new information and spoke with a supervisor who stated they don't have to follow those laws because they are a prepaid card company and not a bank, and that I would have the wait the entirety of XXXX  days. Now I'm left wondering what other laws they don't have to follow if they " are not a bank ''. Please assist me in anyway you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and Equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX IT XXXX ) XXXX XXXX US DEPT ED XXXX DEPTEDXXXXXXXX XXXXXXXX  XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I received a credit alert from XXXX XXXX credit monitoring stating that and XXXX account was opened in name. I called affirm and provided the requested information for them to search their database for my information which was my correct phone number and email address, I was told that there were no accounts matching that email and phone number neither the last four of my social security number. In XXXX of XXXX I received a notification from experian that there are two affirm accounts that are two months late. Whenever I called affirm they refuse to provide me with any information that I can accurately dispute the claim such as location and date when the account was created and what documents where used to create the account. After speaking with an experian agent today I was informed that affirm does not pull your credit report when they create accounts for individuals. So they do not verify at the point of the loan creation the persons identity that is applying for the loan. When experian sends you a detailed credit report affirm does not show up on either a soft pull or a hard inquiry so that by the time you are aware of it, it is too late to dispute it. Your information is also saved under a different phone number and email address so you will never be able to stop the process till after they send your information into collections.
Product: Credit reporting or other personal consumer reports

Recently 1 looked at a copy or my credit report and noticed several inaccuracies on my account.

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verity as accurate : XXXX : account name prestige financial account number XXXX Account Name XXXX XXXX  Account number XXXX Account Name XXXXXXXX XXXX Account Number XXXX XXXX : Account name prestige financial Account number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX XXXX : Account name prestige financial Account number XXXX Account Name XXXX XXXX XXXX Account Name XXXX XXXX  Account Number XXXX Inquirer : XXXX Reported on : XX/XX/XXXX XX/XX/XXXX XXXX : XXXX XXXX Reported on : XX/XX/XXXX Inquirer : XXXX XXXX Reported on : XX/XX/XXXX XXXX : XXXX Reported on : XX/XX/XXXX XXXX XXXX XXXX Reported on : XX/XX/XXXX XXXX  Reported on : XX/XX/XXXX XXXX XXXX Reported on : XX/XX/XXXX Inquirer : XXXX XXXX Reported on : XX/XX/XXXX Inquirer : XXXX XXXX Reported on : XX/XX/XXXX XXXX : XXXX XXXX Reported on : XX/XX/XXXX XXXX  XXXX Reported on : XX/XX/XXXX XXXX : XXXX XXXX Reported on : XX/XX/XXXX Inquirer : XXXX XXXX Reported on : XX/XX/XXXX XX/XX/XXXX, inquirer XXXX XXXX Reported on : XX/XX/XXXX Inquirer XXXX Reported on XX/XX/XXXX Inquirer XXXX, third Reported on XX/XX/XXXX Inquirer XXXX XXXX Reported on XX/XX/XXXX Inquirer XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX Inquirer XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX Inquirer XXXX XXXX XXXX Reported on XX/XX/XXXX Inquirer XXXX Reported on XX/XX/XXXX Inquirer XXXX Reported on XX/XX/XXXX inquirer XXXX XXXX  Reported on XX/XX/XXXX Inquirer XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX Inquirer XXXX XXXX Reported on XX/XX/XXXX Inquirer XXXX XXXX Reported on XX/XX/XXXX Inquirer XXXX XXXX  Reported on XX/XX/XXXX Inquirer XXXX XXXX Reported on XX/XX/XXXX
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. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX-XXXX-Balance {$840.00}
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX and TransUnion Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Placed calls to Experian, XXXX and XXXX in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes online and mailed request to remove inquiries : Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX , XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX , XXXX. 
Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I returned a purchase to the Lane Bryant store. My lane Bryant credit card was credited in the amount of approximately {$16.00}. I reached out to comenity bank and they are disputing the credit. I reached out to lane Bryant and they state the credit was submitted to comenity. Come its is refusing to apply the credit to my card.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed 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 dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please blremove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX : {$69.00} XXXX XXXX XXXX XXXX XXXX : {$5000.00} XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX