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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

These fraud accounts are not mine 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
Product: Debt collection

I understand the importance of accurate reporting, and I appreciate that credit reporting agencies play a crucial role in maintaining the integrity of credit information. However, it is equally important to consider the context of financial challenges that may arise, especially when these challenges are temporary and do not reflect a refusal to fulfill financial obligations. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I insist that your bureau updates the reporting of the late payment dates to accurately reflect the current status of the account. The reporting should indicate that the account is up-to-date since it has been paid. This correction is vital to ensure the fair and accurate representation of my credit history. While there were lapses in payments due to unforeseen financial circumstances, it is imperative to note that these late payments were eventually rectified and brought up to date. Despite the temporary setbacks, the account has since been paid, and I expect your bureau to accurately reflect this on my credit report. 
XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I trust that you will conduct a thorough investigation into this matter and promptly make the necessary corrections to my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). It is my right as a consumer to have accurate and up-to-date information on my credit report, and I expect your bureau to uphold these standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED and CORRECTED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft and recently noticed unauthorized inquiries reporting on my consumer report - I have filed an FTC report for the Identity Theft as well as attached it to this complaint
Product: Credit card

ATTENTION : This is an ADDENDUM to COMPLAINT XXXX. This is XXXX XXXX!!! BELOW SENT TO Barclays XXXX XXXX Aviator Advantage Card XXXX on XX/XX/year> in re Case XXXX Credit Required XXXX- As we discussed yesterday, these XXXX documents ( attached below ) should have closed this case back in XXXX. One shows the items ordered with the salient XXXX XXXX of XXXX and the salient price of {$240.00}. The other document shows the same order number and clearly states You dont need to mail back your return. Well issue your refund. As Ive said repeatedly, the case should have been closed back then and a permanent credit issued for {$240.00} Please see that it is finally done today. Thank you. I want to state here that credit card are supposed to protect their customers from unscrupulous merchants!
Product: Credit card or prepaid card

Victoria secret. I had bought XXXX XXXX worth of masks for wife n kids. Then lost a lot of jours at work i told them this i asked them isnt there anything they can do. No i was told no n they hit me with a XXXX late fee each time.
Product: Debt collection

XX/XX/XXXX I received a letter from a Debt Collection agency stating the I owed XXXX {$44.00} I never received a bill for this, but I went ahead a paid the Debt collection agency EOS They sent me letter stating that the debt was paid & XXXX was paid on XX/XX/XXXX I received another letter from a different debt collection agency stating that I still owed {$44.00} to XXXX I contacted XXXX and they claim the EOS never paid them even though EOS sent me a letter stating that they had
Product: Debt collection

I sent a debt Validation letter on XXXX certified mail, in which the company National Credit Systems signed for it. They later sent me a copied billing of alleged debt, they did not send me a transfer of debt contract which is required by the state on North Carolina and they also did not send me a valid active surety bond in the amount of XXXX which is required in the state of North Carolina in order to be a debt collector. Instead they sent me the same billing and completely disregarded my letter. I followed up with a 2nd letter with a response that they did not show proof to be a legal debt collector in the state of North Carolina per the requirements set forth by the state of North Carolina. I supplied them a copy of the North Carolina requirements to be a legal debt collector. They did not respond to my 2nd letter.It has been more than 45 days without any response from National Credit Systems. Instead they sent same letters they first sent to me, now to my fiancee. I am now responding with the same exact letters I sent them, for her.
Product: Mortgage

I was on a forbearance plan with Caliber Home Loans starting XX/XX/XXXX to XX/XX/XXXX. My payments resumed in XX/XX/XXXX which I made. I made subsequent payments in XXXX, XXXX XXXX, and XX/XX/XXXX. Up to today, my account has not been updated. I have placed numerous calls to Caliber, communicating to Customer Service via the website and written on two occasions to Corporate Office. There is no phone number listed for Caliber and Customer Service refuse to give me their contact information. I did receive a letter from the Advocacy Dept saying they would do their research and comply within a period applicable by law. To date, XX/XX/XXXX, I have not heard a back from Corporate. Calibur has been my servicer since I purchased the property in XXXX and never have I experienced such disrespect from a mortgage company. I heard they were bought over by a new company last summer, and I understand they were switching systems, but not applying my payments since XXXX is thieving my money in my opinion. I have been calling every week for months, and I I have been hung up on, yelled at, left on hold for hours at a time, and I am just disgusted that a mortgage company, as large as Caliber, can treat their customers with such low regard. They assigned me to a Single Point of Contact Dept, which was supposed to be only during the forbearance period, but up to today, they refuse to remove it because according to Calibur, I am delinquent on my mortgage. I can not resume my payments online, again because I am still in delinquent status. I am short in escrow, because my payments have not been applied, so my payments have increased significantly. I want to make sure that when all my payments are applied, they will be done so correctly and every penny will be applied where they should. They keep telling me they are running behind and they will get to it, but this is absurd. This is deliberate and hypocritical. There needs to be protocols in place to make sure mortgage companies like Caliber, who feel they are too large and untouchable, doesn't treat customers like this. If they are short-staffed like they have repeatedly told me, then they need to employ more people. We the customers should not be paying for their shortfalls. I have been making my payments and I need to see these payments applied as they should by law. I am sure they will say they have been repeatedly told me they are working on it, but 5 payments behind???? I am in the process of refinancing with them, and that has been put on hold pending the update to the account. I am besides myself with anxiety with Caliber whilst they bounce me around with lies. I am asking for them to please update my account. That is all I am looking for.
Product: Vehicle loan or lease

I have had my vehicle for 3 years and dealing with Chrysler capital has been nothing short of disastrous. Instead of processing their own payments they use XXXX XXXX which repeatedly screws up payments. I specify that the payment come out of one account and instead these people put the payment through on the wrong account resulting in me being charged hundreds of dollars of overdraft fees. To top it off they then make it so I can only pay via debit card and then charge me a fee to screw up the payments. I am so disgusted with this company that I am looking at ways to refinance my car to get away from this company but now because of their inability to process payments correctly my credit is probably going to be negatively impacted. Not to mention that they repeatedly harass my elderly father instead of calling me and are going to mess up his perfect credit.
Product: Payday loan

Back a while I had gotten a payday loan. My bank account info had been compromised by someone. I made a report to the FTC regarding it. I had to make a few changes to my account and payments being made from it. I became delienquit with my payments. I received a call from a XXXX XXXX claiming to be from XXXX. He stated that they were after persons who were defrauding theses payday loan companies. Since my account was considered delienquit, they had my account info. If I paid the Out Of Court Restitution it would be done. I made XXXX payments before I noticed something 's in the paperwork that did n't seem quite right. I just need to know if the documents I have are legit or have I been had? Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & capital one pulled my credit report without knowledge
Product: Money transfer, virtual currency, or money service

I used my mobile app to make payments of {$100.00} and {$2300.00} on XX/XX/20. Both payment were returned. I called the customer service and was advised to go to the bank which wasn't open due to covid19. When i finally got to the bank they advised to call the credit card customer service which bounced me around for 2hrs on XX/XX/20. I was issued some credit for returned check fees according to 1 rep but they can't find what the problem is. This was after my previous calls went unanswered and they told me i had to pay because it was my mistake and they had already issued a credit in the last year ( this was also a problem with them processing ). My credit score during this time has taken a huge hit for their mistake and i need a letter from them stating transaction error but they are too busy blaming each other to help. I need the letter to send to the credit bureaus to fix my score so i can get a better rate. They will also hold me accountable for this when the money was available and the bank screwed up. I have never missed any payment of any type. Please help.
Product: Credit reporting

TransUnion is inaccurately and incompletely reporting credit history for my mortgage with XXXX XXXX. I have asked that this be corrected on numerous occasions without corrections being made. 
See Attached letter to TransUnion.
Product: Debt collection

Regarding this collection, I was involved in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The opposing party XXXX XXXX XXXX  and carried XXXX XXXX XXXX and was fully insured. After all of the reports were filed, and my vehicle was deemed totaled by the adjuster, XXXX XXXX paid the total due and everything was thought to be resolved. However, Arvest Bank sent me a bill totaling {$1500.00} stating that this was the remainder of what was owed on my vehicle. I then directed them to XXXX XXXX providing all of their contact information, as well as the contact information for XXXX that I carried on my car. After that, I did not hear back from anyone for several months and assumed that this bill was paid. However, I then received several phone calls from Arvest Bank asking for this payment. We then directed them to contact XXXX XXXX and XXXX as well. So fast forward to now, and I received this collection notice from XXXX XXXX XXXX XXXX asking me to submit the payment in full listed on the statement I have attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I do not recognize the following hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. My credit limit of {$20000.00} with the following creditor is not reported ( it's a Personal Unsecured Line of Credit ) : XXXX XXXX XXXX Account Number XXXX Balance {$0.00} Date Opened XX/XX/XXXX 3. This name associated with my account is wrong : XXXX XXXX Name ID # XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXXt Account name XXXX XXXX Account # XXXX XXXX accordance with the Fair Credit Reporting act XXXXXXXX Account name XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am writing in response to your reply dated XX/XX/year> regarding my debt validation request. While I appreciate your acknowledgment and your stated intent to reach out to the original creditor, XXXX XXXXXXXX, your response does not fully satisfy my original request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

To reiterate, my request for validation requires the following documentation : Documentation of Obligation Copies of any agreements, contracts, or other documents bearing my signature that establish my obligation to pay this debt.

Evidence of Assignment Documentation demonstrating your legal authority to collect this debt, including a complete chain of custody tracing the transfer of rights from XXXX XXXX to your agency. 
Statute of Limitations Proof Evidence that this debt remains within the statute of limitations for collection.

Detailed Payment History A complete account history, including a breakdown of all charges, fees, and interest that comprise the current balance.

Until these documents are provided, I continue to dispute the validity of this alleged debt. Additionally, I remind you that during this dispute process, you are required to cease all collection activities and refrain from reporting any unverifiable information to the credit bureaus. If this account has already been reported, I request that you immediately notify the credit reporting agencies of my dispute, as required by law. 

Please provide the requested documentation within 30 days from the date of this letter. Failure to do so will be considered non-compliance with the FDCPA, and I will expect this account to be removed from my credit report. Additionally, I reserve the right to pursue legal action for any violations of the FDCPA or the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to handle the incorrect inquiries on my credit report with Transunion. The company had a credit inquiry reporting situation which has affect my report. The report does n't meet the requirements of the Fair Credit Reporting Act section 611.
Product: Mortgage

During the Covid-19 Pandemic a Forbearance was offered, I took the three month option with Wells Fargo, at the end of this I filled out the online form to end the Forbearance period XX/XX/2020, no response has been given to me. I called in on XX/XX/2020 and was advised that it takes up to three weeks to receive paperwork and to hold tight, this was never received. 

Follow up email sent through the secure message center of Wells Fargo on XX/XX/2020 and still no response, another email has been sent as calls during the day take multiple hours to get through or just drop half way through, it's exceedingly difficult to get through. 

During these follow-ups i was never advised on how to catch up with the missed Escrow payments as well as applying the payments to the correct time period. 

I'm seriously worried about about what is going to happen next, Wells Fargo has sent me a Foreclosure notice and is at this point blatantly ignoring my tries to get back on track following proper procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX from XXXX XXXX called me. Offered to help me refinance and remove XXXX XXXX. I asked for mortgage rates, which she would not provide, asked for bank statements and tax return. I told her I did not want to do that without know what rates where, she said it depended on what financial proof I had. Reluctantly I provided bank statement and tax return. She never asked if she could run my credit report and she did. 
I saw it on my credit report and asked why, she exclaimed she had to, but I did not give authorization. XXXX XXXX  XXXX is what shows for inquiry. 
I do not believe its right for any institution to be able to run your credit without authoriztion. 
I was not eve sure if I was ready for a loan, sure I wanted one when rates where low. But not sure now, thats why I asked for the interest rates. This company is aggressive and I think they are just predators.
Product: Payday loan, title loan, personal loan, or advance loan

I was searching for a loan and a company calling themselves XXXX XXXX offered a {$2000.00} to a {$30000.00} loan. I was cautious because I knew it was too good to be true so I gave them my Acct. # & routing # but I understand it is a scam if they ask you for your passwords or PIN code. I denied the offer, but I got a call from USAA on my caller ID suggesting that I call XXXX to the loan company Lending Point which was never done by my Bank of USAA in the 4 years Ive been a respected member of. Someone is working within the bank to take advantage of its members identifications. The individuals had XXXX XXXX accents. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card account from USAA has multiple charges that are not mine and were unauthorized. Charges were made by ex-spouse XXXX XXXX SSN XXXX. Ex-spouse was in XXXX and I was in the United States while these charges were made. I have tried multiple times to explain this USAA and to come to an understanding to resolve the issue. A resolution has not been met. USAA has reported this account as a charge off and continues to report negative derogatory every month for the past year damaging my credit score. 

I do not wish to establish any credit card account with USAA. Please see attachment regarding unsigned authorization to re-establish the account on my credit file.
Product: Checking or savings account

On XX/XX/XXXX I made a transfer to my wives account of over {$4000.00} to purchase a car, we both had current accounts but they were both closed from this transfer. It was from a check from my totaled car. They suspended both accounts then closed them saying they were fraudulent activity. My wife 's account had over {$4000.00} in it and mine had over {$1000.00} in it, I do not remember exact numbers. My wife received the amount from her closed account but I have not received mine. I contacted current again and they stated that another check was sent out on XX/XX/XXXX, but yet again I have not received anything. I confirmed the address ( which is below ) XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NV XXXX They stated it would be 14 days but I have yet to receive this check and am now not hearing back from the support department regarding my check.
Product: Credit reporting or other personal consumer reports

Transunion is reporting accounts on my consumer profile due to an alleged identity theft. These accounts involve transactions unrelated to me, and I did not derive any benefit from them. I've provided Transunion with written correspondence, including proof of my identity, an identity theft report, identification of the relevant information, and a statement, as legally mandated. They are obligated to block and remove these accounts within four business days of receiving my notice.