23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX 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 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 XXXX  days before the payment due date. XXXX, XXXX  XXXX, 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: Credit reporting or other personal consumer reports

As per Experian report I am writing to formally dispute a significant and unexpected change in my credit score. On XX/XX/year>, from Experian official app, ( that I maintain by paying XXXXXXXX XXXX a month ) the alert indicates that fico score increased by XXXX, changing to XXXX. And because of fraudulently updating XXXX XXXX XXXX account number XXXX to XXXX under new account number XXXX which used to be account number but keep on being updated to maintain this fraudulent account - the XXXX score is reported decrease by XXXX to XXXX a day after XXXX does the same fraudulent activity. A lot of similarities by XXXX and experian, Experian current score XXXX reported on XX/XX/year>, XXXX current score XXXX reported on XXXX discrepancies and fraudulent actions in my credit score and report are done appear fraudulent and suggest possible identity theft to maintain unknown XXXX XXXX XXXX XXXX 

Additionally, this significant update coincided with the commencement of my fourth round of disputes with XXXX XXXX XXXX, an entity unknown to me. The timing and nature of these changes severely undermine the accuracy and reliability of my credit report. 

XXXX XXXX XXXX being reported under two separate names, and two separate accounts number interchangeaby : on top The name is boldly written as XXXX XXXX XXXX And immediately under it is named XXXX. How can account be maintained under two names on one reference number XXXX, and whenever disputed changed to a different name and a different account number? This clearly indicates identity theft and maintaining fraudulent reports such as these are hugely violating my consumer rights. 
This was reported on XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title IV, Section 611, Subsection 1-D, I request the following : The names and business addresses of each individual with whom you verified and validated the disputed information.

An updated copy of my credit report after completing your investigation.

Moreover, according to the FCRA, Section 611, Subsection ( 5 ), Treatment of Inaccurate or Unverifiable Information : ( A ) In General. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been updated or deleted.

I expect prompt action on this matter to rectify the inaccuracies and prevent further damage to my credit profile. Failure to address this promptly may compel me to seek further legal remedies to protect my rights.
Product: Credit reporting or other personal consumer reports

Company keeps phoning me about a debt that I'm not aware of. Company states they purchased debt from a another creditor. I asked for a copy of the contract I signed with Company. After 1 year, I have yet to receive the contract, however the debt is listed as a collection on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccuracies on my credit report without my consent which is a violation to the FCRA. The opening dates, the account status, last payment dates, and also the payment history is inaccurate with XXXX, Equifax, and XXXX. the credit agencies must report the same payment history, also opening and closing dates must be the same otherwise it's inaccurate. according to US law code USC 15 USC 1681b Permissible purposes of consumer reports it states the facts The consumer reports consist of ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the order of a court having a jurisdiction to issue such an order, a subpoena issued in connection with preceding before a federal grand jury or a subpoena issued in accordance with section 5318, or title 31, in connection with a credit transaction involving the consumer on whom the information to be furnished, employment purposes, in connection with the underwriter of insurance involving the consumer, to determine the consumer eligibility for a license, in connection with a business transaction, in response to a request by the head of a state or local government for child support purposes. '' XXXX is violating the FCRA, and consumers rights. also as of XX/XX/year> XXXX was used for failure to sufficiently communicating with borrowers about maintaining access to affordable payments however, this company has=as furnished my credit report without my consent I'm aware anything being furnished to my report I must get notice within 5 days of the first contact which I have not which is another violation. as of today XXXX XXXX there are many lawsuits against XXXX for their many violations violating state and federal laws. I ask that XXXX, Equifax, and XXXX do valid investigations, and remove these inaccurate accounts that's Furnishing my report, and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

paid my loan in full on  XXXX / XXXX /  XXXX   and is still reporting as an open account affecting me getting approved for a mortgage.   XXXX   XXXX   XXXX   said there is nothing they can do I have filed a dispute with Equifax and they said  XXXX  is not responding. although the account has been paid it is still reflecting on my credit file as open.
Product: Credit card

I booked a hotel through Citi Travel on XX/XX/XXXX for the stay between XXXX XXXX, and I did call and confirm our stay with the hotel one week before the actual stay. When we arrived at the hotel on XX/XX/XXXX, I was told that our reservation had been canceled without any prior notice. That was a shock to me, as it approached night and we have young kids. Because the hotel had informed us that Citi Travel had handled the cancellation, we called Citi Travel. 

I spoke to XXXX and his supervisor, XXXX at Citi Travel. XXXX XXXX said that she would provide a full refund for the hotel cancellation. She would also provide me with XXXX points compensation plus XXXX Hotel Credit Discount converted to XXXX points. She also sent out an email stating the above. She stated that the refund would be returned to the account in 7-14 days.

After almost 2 months, I did not receive the compensation as promised. I called Citi Travel on XXXX. I was told to wait for another 7-14 days. Not surprisingly, we still did not receive the refund and compensation as promised. 

So I called again on XX/XX/XXXX, and spoke to XXXX XXXX first, who transferred to her supervisor, XXXX XXXX. XXXX XXXX reported that there was an email sent on XXXX requesting XXXX XXXX to review and solve the case. Someone from her team replied that they would review. However, there was no response or follow-up since. XXXX XXXX said that she sent another email to XXXX XXXX requesting her to follow up on this case. There had been no reply by the end of the phone call. Additionally, XXXX XXXX stated that she was unable to handle the case because the compensation was above her pay grade and the original supervisor, XXXX XXXX, should handle it. 

Since my last call on XX/XX/XXXX until now XX/XX/XXXX, after more than a month, I still have not received what I was promised to receive.
Product: Credit reporting or other personal consumer reports

The information reporting on my credit profile is inaccurate and I would like you validate that its belongs to me per accounts below : XXXX :XX/XX/XXXXXXXX XXXX, XXXX. 
Balance : {$0.00} Account : XXXX Date Opened : XX/XX/year>XX/XX/XXXXXXXX, XXXX. 
Balance : {$0.00} Account : XXXX Date Opened : XX/XX/year> XXXX :XX/XX/XXXX XXXX, XXXX XXXX : {$0.00} Account : XXXX Date Opened : XX/XX/year> TransUnion : XXXXXX/XX/XXXXXXXX XXXX : {$0.00} Account : XXXX Date Opened : XX/XX/year> XXXX Balance : {$0.00} Account : XXXX Date Opened : XXXX XXXX, 2023
Product: Credit reporting or other personal consumer reports

I disputed a collection on my XXXX, XXXX, and transunion accounts with documentation proving that the collection was the incorrect amount. The leasing company charged me for extra months of rent beyond my stay and beyond the date shown on the leasing agreement. I provided documents of the lease with its end date, the extra months of rent that I was charged for on their billing app, and my new lease that I was in with a different company for the months that I was being charged by my old landlord.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/2024 and noticed an account that is NOT ACCURATE. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 


XXXX XXXX Account Number : XXXX -PLEASE UPDATE THIS ERRONEOUS INFORMATION And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

This information is invalid and must be deleted immediately as I have experienced extensive hardship over this late payment.

Under 15 USC 1681e ( b ), THE LAW CLEARLY STATES : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have attached a screenshot of the late payment in question as XXXX has this payment CORRECT and listed as PAID ON TIME/NEVER LATE on their report. 



I am attempting to settle this privately. Please correct this late payment to PAID ON TIME/NEVER LATE by 14 days of receipt of this letter and send me an updated report.
Product: Mortgage

First I want to thank you because Wells Fargo has contacted me ever since I first sent a complaint. But all I do is get letters that they are still looking for that data. I lost my home by XXXX insurances on my property. The district Attorney of XXXX County explained the XXXX I had to pay every XXXX was an insurance to protect them, if I ever got behind. I was never behind until I am sure Wells Fargo sent someone who told me he could handle that and he did. But i was told to get a loan modification, I had to get behind on my mortgage. Eventually, I got 2 loan modifications which were later denied by Wells Fargo with first I did not pay my taxes which was a lie. The second one I got which I paid directly to Wells Fargo ( American Servicing Company ) was denied with another lie that I had a wife that put a XXXX loan on my property. I had no wife. Eventually, my deed of trust was sold with me losing my home and the XXXX dollars equity gone by constant quick sales of my property by other bankers. I was happy to know since I contacted you the first time Wells Fargo responded but with no solution. I lost my home and all the children I raised there because of Wells Fargo and XXXX XXXX who appeared to assist but was a thief also. I have the children I raised with XXXX grandchildren out of my life and I want restitution by senior abuse the bank did to me as a senior. I had never had a bank steal all my family equity and create me homeless with such fraud. You already have most of my information that I sent about 9 months ago. When I was at a workshop with the XXXX, I realized I can get money or something with how Wells Fargo and XXXX XXXX did to me. I made up my mind not to leave XXXX XXXX so I could continue to fight Wells Fargo, and homelessness that is happening everywhere by the banks and gentrification. I pay for my tiny office to stay here in XXXX, Have to pay for my storage, and the home where my daughter and I live in XXXX. I fight with the grassroots who keep me focused because I have discovered consistently how the courts have ego justice only for them and the corporations. So I am clear and precise I want my home back or I want the equity to assist my family. My youngest daughter, husband and XXXXsons moved t o XXXX because of injustice here. My oldest daughter whose husband died lives in XXXX with her XXXX children, My other XXXX daughters live in different parts of XXXX with XXXX children who are working hard by themselves based on the relationships they wrongfully chose in relationship. My home was always there for them and now it is gone. We seldom see each other as in the past. All my friends that grew up in my neighborhood are in pain because I in a way assisted them in growth. It seems as soon as I retired as XXXX senior abuse came after me non stop but Wells Fargo set up the worse experience to lose all the children I raised and loved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spring Oak Capital account # XXXX. 
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 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 of has reasonable cause to believe that the information is inaccurate.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for credit card on XXXX/XXXX/2021 with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold & bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.
Product: Checking or savings account

I have tried to close my account several times with Wells Fargo and have requested so in writing. The account has been overdrawn a few times due to reoccurring charges that I have no control over. They have told me that once I bring the account current that they will close. Well I have brought it current several times and they have refused to close until I request again, which I have done and they gave ignored my request all while hitting me with various fees for low balance, overdrawn accounts, and a monthly fee for an account I've asked them to close. 

They have consistently tried to gouge me for fees and that's why I've moved my banking elsewhere. They are trying to make me jump through so many hoops to close the account its absurd. I explained to them that I had moved my banking elsewhere and no longer lived near a WF so it wasn't easy for me to transfer money or go in branch. They have left me on hold for half an hour multiple times, transferred me to numerous people to waste my time and have ultimately ignored my several written request to close the account, all the while charging me fees for low balance, overdraft for reoccurring charges that I cant control, and for account maintenance that are all a result of me moving my banking elsewhere. 

This is the exact unscrupulous fee-generating activity that this bank has been accused of and have been found to have committed in the past. I won't allow myself to be a silent victim. Wells Fargo has been a nightmare to work with and I have never felt comfortable that my money was safe, that the bank had my best interest at heart, and that they could be trusted. It was the only major bank around when I first moved and I quickly learned that convenience isn't always the criteria that you should look for in a bank. 

I do have correspondence to prove everything I'm saying but like a company that values transparency, Wells Fargo doesn't allow you to download your secure message with them. My question is what are they trying to hide, other than the obvious?
Product: Credit card

On XX/XX/XXXX and XX/XX/XXXX persons unknown charged XXXX online to our Bof VISA account. The merchants advised that we should simply return the items for credit. We never received them. We filed a claims dispute with Bof A. It first posted a temporary credit and issued new VISA cards, but subsequently reversed the credit on the grounds that the good had been shipped to us. They weren't. XXXX tracking shows that the items were delivered to and collected at a remote XXXX facility, not to us. On XXXX XXXX we wrote BofA asking that the credit be reinstated, and provided documentation as to where the good were shipped. Bof A has nor responded.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXXXXXX XXXX  I Account Number : XXXX Balance : {$750.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX Balance : {$900.00} XXXX  XXXX Balance : {$870.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX XXXX Balance : {$800.00} XXXX XXXXXXXX XXXX Balance : {$430.00} XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX Balance : {$140.00} XXXX XXXX  Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX  and XXXX credit report. My latest credit report shows 2 credit inquiry/inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX XXXX XXXX-inquiry on XXXX XXXX JPMCD Card inquiry on XX/XX/2020 Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance.