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

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiries that I have listed were not created by me and need to be deleted on grounds of identity theft pursuant to 15 USC 168c-2. Also, please update my personal information pursuant to 15 USC 1681e ( b ). Please DELETE ADDED INQUIRIES : XX/XX/XXXX. ADD CURRENT EMPLOYER : XXXX XXXX XXXX. 

PLEASE SEE ATTACHED IDENTITY THEFT REPORT.
Product: Debt collection

I've been contacted by Allied Interstate LLC to collect on a debt that belongs to my wife. I spoke to a collector ( XXXX ) a few months ago and we couldn't get to an agreement. She was very rude. After that I received multiples calls every day ( 4 to 5 times a day ), I felt harassed. Then I was contacted by another agent ( XXXX ), we spoke and we were trying to work out a Settlement agreement, however, it was very difficult as they called during my working hours and I couldn't answer the phone. Additionally, we couldn't finalized the agreement because I requested her to send me the SIF agreement to review but she refused stating that they needed the bank info first to setup the autopayments. Today i was able to answered the phone and have all the info to set the payment plan. The collector ( XXXX ) became very upset and didn't let me talked when I asked her to started the SIF aggrement with the first payment of {$190.00} this month, and moved the {$1000.00} down payment to next month, XXXX. She started yelling and made me feel afraid and stated that the SIF was voided and I owed the entire balance. She then terminated the call. I called back and requested to speak with a supervisor, she stated, there is no supervisor available and gave me a Phone # to contact : XXXX. her supervisor. and she hanged up. I don't know why i wasn't transferred to another supervisor. 
I want to resolve this debt but this company is very difficult to work with. They are rude and make you feel threaten and harassed.
Product: Credit card

I am writing this complaint of my own accord. It is not a material misrepresentation and this was not done by mistake. This is a legitimate complaint because Wells Fargo Card Services has violated several of my rights as a consumer. Specifically the following : 1. ) 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. The Financial Institutions failed to provide such information, violating my rights.

2. ) 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers. The Financial Institutions, as furnishers of information to credit agencies, falls under this definition. The failure to protect the security and confidentiality of my nonpublic personal information is a clear violation.

As per 12 CFR 1016.7, a consumer may exercise the right to opt out at any time. I am hereby opting out of the reporting services provided by the " agencies '' and the Financial Institutions '' who clearly violated my rights when they failed to inform me of my right to exercise the nondisclosure option.

Thank you for your time and prompt action to help me remedy this
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from my TransUnion credit report immediately. Please delete the following accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I submitted a payment through the " Bill Pay '' service provided by my credit union on XX/XX/XXXX. The payment is shown as received by my credit card company, First Progress, on XX/XX/XXXX. As of today, XX/XX/XXXX, however, the payment has not been applied to my credit line. 

I called First Progress on XX/XX/XXXX to inquire and was told that they received the payment on XX/XX/XXXX and it takes 48 hours to post. When I pointed out that it had been 5 days since the payment was received but had not been applied to my available balnce, the agent spoke with her supervisor. After speaking with her supervisor, I was told that it should have posted to my available credit on XX/XX/XXXX and that I should call back Monday XX/XX/XXXX if it did not post by that time. 

When I called back today, the agent told me that the money is now on a 10 day hold but could not explain why it is on a 10 day hold rather than the 48 hours that is usual. She also could not explain why the agent I spoke with on Saturday did not tell me of the 10 day hold nor why that agent 's supervisor did not advise her or me of the 10 day hold. 

After speaking with a supervisor, I was told that because it was a check that the bank could cancel it and not honor the funds. I advised her that it was not a check but rather a transfer from by bank, which is the only payment method they accept unless I pay an additional fee to make a payment over the phone. She said it's on a 10 day hold and there's nothing I could do about it and then quoted me the section number in the cardholder agreement that said they could hold funds for 10 days. 

She could not explain why neither the agent I spoke with on XX/XX/XXXX nor that agent 's supervisor saw this or informed me of it. At that time I requested that my account be closed and all of my deposit returned. She said this will take

10 weeks to process. I asked about having it expedited, as the website mentions it can be. She informed me that it would take 2 to 3 weeks once they receive my fax. I asked why she was quoting 2 to 3 wee
ks when the website states that it is 7 business days, and she said that was allowing 10 days for mailing time.
Product: Credit reporting or other personal consumer reports

I opened a dispute with XXXX, Experian and XXXX. However they did a personal dispute and not a dispute under the FCRA laws which is incorrect disputing to begin with. As of result the dispute concluded as is. Both XXXX XXXX XXXX XXXX XXXX XXXX did not remove the debt from my credit report.
Product: Credit card

I took out this credit card XX/XX/XXXX with SELF ( Southstate Bank ) to " help '' build my credit as they advertised they report to all 3 credit bureaus. This self credit card is attached to a " credit builder '' account which they make you pre pay {$500.00} to use this credit card in XX/XX/XXXX, which I paid. Yet you still have to pay the credit card off at end of each month at 29.9 % interest in addition to them holding the {$500.00} as the credit limit was {$500.00}. I've made payments on time for two years now & paid this credit card in full every month & they've increased my credit limit to {$820.00} from the original limit of {$500.00} in XXXX yet the interest rate is still 29.9 %. So far I've paid in total for last two years more than {$1000.00} to use this credit card. {$550.00} in total towards to credit builder account this year as $ XXXX autopay pymts they collected since XX/XX/XXXX. They also charged me another {$50.00} on XX/XX/XXXX to use the credit card for XXXX. And they got {$500.00} in XX/XX/XXXX towards the credit card to use it. They tell you that you'll get the {$500.00} back XXXX of XXXX but they DON'T give it back to you if you still want to use the credit card. When I wanted to close credit card & credit builder account they are refusing to give me back the {$1000.00} I paid even though my credit card is paid in full presently. They say they refund the {$500.00} yet on XX/XX/XXXX I was told I can not get the {$500.00} refunded if I still want to to use the credit card. Recently a merchant refunded me $ XXXXXXXX XXXX XXXX yet it doesn't reflect on my c. card. Customer service is horrible, they simply lie to you & if you need to dispute a charge, they DENY it & make you eat the cost. I DEMAND the entire {$1000.00} I've paid to use this card for two years AND have also paid off the credit card each month in full. This is a corrupt bank & there's many complaints about this with XXXX & they've got a XXXX star rating on trustpilot as a result of them refusing to refund the $ when you close the credit card. The app doesn't allow you to take screenshots at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/2022 to get XXXX accounts removed ( one alleging {$8000.00} and another {$9800.00} ) from my consumer file that I did not authorize to be on there. Equifax assumed this role of assembling credit worthiness and were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did Equifax fail in the initial investigation of this information. Equifax also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. Equifax did not insure that this information is accurate, and did not exercise their grave responsibility with fairness and impartiality. Equifax never consulted with me to find out if this transaction even took place. As a result of this, my privacy was breached, and this violated my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

RENTDEBT AUTOMATED COLLE XXXX XX/XX/XXXX Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX < -- -- ALL accounts above NOT MINE ^^^ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL ADDRESSES DO NOT BELONG TO ME. Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. Have not given written communication or oral communication on when, how and why these accounts are reported negative on report. Remove all above FCRA violation, how is this verified?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my consumer report and I noticed that a Charge off is reporting on my consumer report that should not be there because the information is different across the Credit Reporting Agencies which means it's inaccurate and in violation of the FCRA. The IRS also defines what a charge-off is. 

As defined by the IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX, Account # XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : 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 a account without my written instructions
Product: Mortgage

In XXXX we were noticed by Loancare that they had not rec 'd our mortgage payment, we immediately contacted them that the payment, check XXXX for {$460.00}, was mailed XXXX XXXX. At any rate we mailed a check immediately in the amt. of {$980.00} via registered mail to cover the paymt that had not arrived and for the next month 's payment plus the late charge. We then learned that Loancare had noticed the credit bureau that we were " delinquent '' resulting in the deminishment of our credit rating!!! Fast forward to present ... On this month 's bank statement that we use solely for the property I noticed a check XXXX for {$460.00} had gone thru. Our current payment w/loancare is now {$500.00}, but I remembered the amt. as that of the former paymt. 
Loancare did not contact us stating the XXXX XXXX XXXX check had been applied. 

The {$460.00} check showed up in our statement. We went to our local bank to obtain a copy of the check, the one dated XXXX XX/XX/XXXX the reverse side shows it deposited XXXX XXXX XXXX this also confirmed by talking to a Loancare person. We received no information as to whether/how this amount would be applied to our acct. Loancare would not provide us with any information on when they received the payment, nor how it was processed. Loancare should have a record of when they received the payment, by copy of the envelope and copy of the payment notice sent by us as required. 

However that person seemed to imply I needed to " prove '' where the check had been all this time... I told that person they needed to prove it was not mishandled in their office! AT any rate we feel we have been wronged in that Loancare did not notify us about the " errant '' check arriving nor did we have any say how that overage was to be applied. Loancare has an email address for us because we have asked affirmation of payments rec 'd due to the former mishap. This is mention to illustrate how easily we could have been informed in this matter. Only we have made contact tho " loancare seems to put responsibilty on us for cleaning up their mishandling. Upon receipt of that " late '' check we should have been notified, we should have had a say in how that amount should have been distributed. I would have preferred those funds be applied to the escrow account. I feel Loancare should retract the report to the credit bureau so our rating can be refurbished, I feel Loancare should reimburse our late charge. We were not remiss in payment as our payment history w/that company can establish. Our current bank statement shows that we are currently writing checks in the XXXX 's, quite a discrepency from the XXXX. We have gone to great lengths to try to have Loancare clear our names in this matter but they say it is our responsibility. 

Please contact us and let us know what additional information is needed, if any, to help you in the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts numerous times with Equifax ; 1. XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$130000.00} ) 2. XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1300.00} ) 3. XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$3000.00}, Original Creditor Name XXXX XXXX XXXX ) As allow by the FDCA I asked experian to provide me with the method of verification or with any proof that shows that they verify this accounts but to this day they have ignored the law and failed to answer to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX Account # 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
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to Equifax, XXXX and XXXX to dispute inaccurate account information. In accordance with 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies were to note that the accounts were under dispute. They did not change the account status. They violated the law.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint regarding entries on my credit report which is a violation of FCRA 1681i and 1681n : " # # # Relationship and Comparison with 1681i and 1681n 1681e ( b ) is closely related to 1681i as both sections deal with the accuracy of credit reporting. However, 1681e ( b ) is more about the general obligation of consumer reporting agencies to ensure accuracy in their reporting procedures, while 1681i provides specific steps for handling disputes over inaccuracies. On the other hand, 1681n can be seen as a broader enforcement mechanism that applies to violations of any FCRA requirements, including the accuracy standards set forth in 1681e ( b ) and the dispute resolution procedures in 1681i. Essentially, 1681e ( b ) sets the accuracy standard, 1681i provides a process for contesting inaccuracies, and 1681n offers a remedy for willful failure to comply with these and other requirements. '' XXXX XXXX is reporting different amounts with XXXX reporting agencies ( XXXX, XXXX, and XXXX ) which is having a negative impact on my credit. I have tried to get this resolved with the company without success. As a result, I would like to have this account removed from credit report.
Product: Checking or savings account

I was scam and chase bank took my XXXX check was told not to worry close my account two months later my XXXX check was deposited in the account that was supposed to be closed and then they took it said that I owe them money on the scam I guess please help me
Product: Credit card or prepaid card

About two months ago, Kohl 's began calling to collect for purchases and for added interest and late fees. I have not seen the charges, but I believe purchases are in the approximate area of {$100.00} and interest/late fees take the charges to {$250.00}. They have the incorrect address and phone number and will not accept my current address, saying their system can not handle an address overseas. I have never received a statement explaining the charges they want to collect for. I have received numerous phone calls from polite ladies, and have given them my correct address ten times or more. They refuse to change my address and continually maintain an address in XXXX where I have not resided for several years, whoever is living there does not know me and vice versa. I do not have the credit card if they sent one, it went to an incorrect address. So I have no account number to look up my account online and they refuse to send the bill by email or by regular mail. 
I have requested to speak with managers and supervisors with authority to help me see my statements. Unsuccessful. I was transferred to the President 's Office, no answer. I called the Legal Department and left a message to return my call ... no return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is reporting an erroneous late on my file that needs to be removed. I recently took a look at my credit and noticed that they reported a XX/XX/21 late. I do not have any open accounts with American Express. Any account I have had with them has been solved and closed. There is no balance for me to be late on any account so I'm not even sure why there is a late notation but this severely affected my credit. This needs to be removed.
Product: Checking or savings account

Inadvertently sent XXXX to wrong person and reported it. The bank told me there was nothing they can do.