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

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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
Product: Debt collection

I have rcvd several phone calls from this company from several different phone numbers all times of the day they have called after XXXX and before XXXX. I told the company that I have moved to another state on a previous call before XXXX and gave my new address. and apparently they failed to update their system which is clearly mishandling this account. so this morning I received a phone call at XXXX XXXX  from this company I told the representative on the phone that It was before XXXX and what address they have for me and she gave me the correct address and I advised her that it was a violation of the fdcpa to call before XXXX and I wanted to speak to a supervisor and her response was well are going to take care of this. I asked if she heard what I said and I was put on hold. A operations manager came to the line and again confirmed my address and I advised this is the 3rd time that I have gotten a call before XXXX or after XXXX XXXX and I would be filing a complaint with the cfpb and she said they have their own complaint procedure and they will file the complaint. she again confirmed my address and immediately after continued to try and collect on this debt before XXXX after me saying several times that it is a violation of the fdcpa. FDCPA sub chapter 805 section ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, ( which this comapany had contrary knowledge because I gave them a new address and they failed to update records but still had it noted ) a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX and before XXXX XXXX XXXX, local time at the consumer 's location
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights 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 The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is becoming a serious issue. Your company has still not followed the instructions that were clearly stated in my letters that were sent on XX/XX/2021. I demanded that you produce for me the original consumer contracts bearing my signature for that accounts that were listed in my letters through physical verification which you were required to do by federal law per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Till this day I have received NO original consumer contracts bearing my signature on it at all showing that those accounts are indeed verified and accurate. All you did was complete the disputes and said that the accounts were verified without providing the information that I demanded. As a consumer, I am completely disgusted at the fact that you have openly committed federal violations as if I don't know my rights as a consumer. This violation is grounds for immediate deletion of all accounts that were listed in my disputes. since you want to XXXX XXXX and stall with my disputes and pretend as if you clearly cant read, I'm evoking my rights as a consumer Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) ( 2 ) I demand that you remove all accounts listed in my letter because i have not given you any permission to report any accounts onto my consumer report in the first place. i have attached the first dispute dated XX/XX/2021 as evidence and my new letter dated XX/XX/2021 containing the 3 accounts that I'm demanding be removed. if you decide you want to ignore or stall with my request I will file a law suit requesting monetary relief for the damages of your inaccurate reporting as well as the clear violations you have decided to commit.
Product: Credit card or prepaid card

I have three American Express cards with you I have a Delta card I have the Hilton card and I have I think its called an every day card Ive been a customer for mini mini years a good customer but When I called to see about lowering my interest rate on my accounts, Im treated, so Im trying to steal money from the bank. Or the monies coming out of the agents pocket. I have good credit. Ive been an excellent customer. Youve made plenty of money off me over the years. I dont understand why banks have to be so greedy you make billions and profit but the average guy whos just trying to get by I easily work 50 hours a week I take care of my kids. I always pay all of my bills on time but I dont understand why the bank cant just cut me a little slack here. Inflation is out of control and thats not your fault but its made everything so much more expensive, and when I call and I asked to see if you can lower the interest rate even if you lowered it just temporarily, that would be a help. Please explain to me why you have to be so greedy, and so unwilling to help the every day guy out here just trying to get by, why cant you lower my interest-rate? I mean is it really going to affect your bottom line that much youre still going to make billions and profit have some compassion put yourself in my shoes.
Product: Checking or savings account

My account was closed on XX/XX/XXXX I want to know EXACTLY why it was closed. And if possible Re-Open the account! And payout the bonus that I have completed terms for. 

I have been working toward earning my {$200.00} opening Checking Account bonus and have completed the requirements thus far and was expecting it to be payed by XX/XX/XXXX but you have now closed my account just before the pay day!
Product: Credit reporting, credit repair services, or other personal consumer reports

In the latter part of the month of XXXX my capital one credit cards were restricted ... .On XX/XX/XXXX Capital One informed me that they needed identification verification from the authorized users that were on my account ... On XX/XX/XXXX I submitted the documentation to them via an email link that they sent me ... After waiting for 2 weeks with no response I contacted them and they informed me that they needed me to resubmit the information so on XX/XX/XXXX I resubmitted the information once again ... After about a week they followed up and stated that they needed identity verification from the first authorized users I had on my account from XX/XX/XXXX which is over a year ago ... I advised them that I no longer had that ingormation, had they notified me when I first added them or shortly after I would have gladly submitted the information ... Since then I 've heard nothing from Capital One ... I have sent them 2 certified letters and they have yet to respond ... I also emailed the CEO and he failed to respond as well ... My cards has been blocked for over four months, and I have great credit ... I 've had several accounts with capital one and they 've all been in excellent standing.. No over the limit, no missed payments or late payments ... I 've been an exceptional consumer and the treatment that I 'm receiving is very unfair.
Product: Vehicle loan or lease

On XX/XX/XXXX I was taken out of work due to a serious condition that needed XXXX. While out of work trying to deplete any XXXX or other resources to pay this car note of $ XXXX. and rent of over {$1100.00}. I was scheduled for XXXX and was out of work for 4 months. During this time, My short term XXXX was only XXXX XXXX and was only around $ XXXX. I made arrangements to have weekly amount of $ XXXX taken out of my XXXX check to pay to try and make payments. No alternative method was given to me to help during this pandemic. 

To this existing problem. A payment was made on my account while I was tending to my mother XXXX XXXX XXXX in XXXX. I received a phone call from my niece that my car had been towed. I'm assuming because she parked in the wrong apartment slot but it was XXXX. After getting back to XXXX, I checked my email to see if i had any correspondence from XXXX and on XX/XX/XXXX, I received an email about a late notice for {$470.00}. I continued to check to see if i had any other correspondence from XXXX. On XX/XX/XXXX I received an email stating my payment was returned from XX/XX/XXXX. This correspondence was sent on XX/XX/XXXX ; which is 30 plus days later when I'm thinking its paid. Now forward to XX/XX/XXXX my car was towed and XX/XX/XXXX Notice to Sell Property was sent. XXXX did not even give time to rectify the situation because it was already in motion XX/XX/XXXX payment return, XX/XX/XXXX car towed, and XX/XX/XXXX the intent to sell vehicle. 
Everyone knows that automobile dealers does not sell a car to benefit you at an auction. They sell a car to benefit themselves and having a balance to charge to your credit report with more interest even though the car is {$6000.00} overpriced and the interest is almost 30 %. Which is predatory lending but I needed a car. 
I have a mother in XXXX XXXX  for her XXXX life, and I have to travel back and forth to make sure she is okay and save my job at the same XXXX time. People are heartless and cruel. This is not right, its not fair to me or my family during this pressing time during a pandemic. People are struggling to make it and its people like this who are not sympathetic to others problems or issues just their pockets. When i called on XX/XX/XXXX when i returned the only thing i was emailed was I forwarded your message to management when they already knew they sent out an intent to sell. 

Make it make sense : XX/XX/XXXX notice XX/XX/XXXX XXXX XX/XX/XXXX Intent to Sell Where is the attempt to resolve issue? 
Why did it take 30 days to informed payment returned? 
In any case, it is always suppose to be an alternative to repair the default. 
Now, they are declaring {$18000.00}. After the {$5000.00} and the {$1500.00} down already invested into this vehicle. So, evidently this car was {$25000.00} for a XXXX XXXX XXXX  ( used ).
Product: Debt collection

I Consumer XXXX XXXX the Executor of XXXX XXXX XXXX XXXX was trying to close out my fathers estate when I notice an alleged creditor place a claim of debt against the estate. On XX/XX/2021 I sent Gulf Coast Bureau, Inc a validation of debt letter containing certain information for them to respond with information such as who is the alleged debtor and what is the debtor address also when was the original charge of delinquency. As of XX/XX/2021 I have not received a response from Gulf Coast Collections containing the information requested nor have they withdrawn their claim of debt from the estate. Gulf Coast Collections is in direct violation of 15 USC 1692g by not responding in the 30 day time period with requested and by also not sending within the the first 5 days of the initial communication a written statement containing the amount of the debt owed and the name of the creditor to whom the debt is owed. They also failed to provide a statement that if the consumer does dispute the debt in 30 days then the debt will be assumed valid within the initial 5 days of communication with the consumer.
Product: Credit card

On XX/XX/XXXX, I discovered that my Wells Fargo accounts were affected by identity theft. Following the XXXX XXXX  data breach, unauthorized accounts and credit lines were opened in my name, causing significant financial disruptions. 

Timeline and Actions Taken : XX/XX/XXXX : Changed my phone number but did not update Wells Fargo immediately due to not being the primary account holder. 
XX/XX/XXXX : Noticed unauthorized changes to my phone number at Wells Fargo, complicating account security. 
XX/XX/XXXX to Present : Repeatedly updated my phone number and address with Wells Fargo branches to secure accounts, only to find changes reverted back to compromised details. 

Fraudulent Accounts and Activities : Multiple fraudulent credit card accounts and checking accounts were opened without my consent. 
Discovered unauthorized transactions and fraud when visiting Wells Fargo branches. 

Credit Bureau Manipulations : Unauthorized individuals have accessed and manipulated my credit profiles with XXXX, XXXX, and XXXX, resetting PINs, security questions, and changing contact details. 
I am actively disputing fraudulent accounts and transactions with the credit bureaus. 

Impact and Requests : These fraudulent activities have devastated my financial stability, lowering my credit score and causing significant emotional and financial strain. 
I am requesting Wells Fargo to review my case, dismiss the lawsuit for the fraudulent credit card balance, and correct the records to reflect the identity theft. 

I have consistently reported these fraudulent activities to Wells Fargo branches and cooperated with investigative processes, but the ongoing unauthorized access to my accounts has made securing my personal information challenging. I am prepared to provide further information to expedite the resolution of this matter.
Product: Mortgage

In XXXX 2016 our mortgage was sold to SP Servicing. We had a XXXX modification with our former servicer that expired just before and raised our interest rate to the original XXXX %. At that point we could no longer afford our payments and fell behind. SP Servicing has had our Request for Hardship Modification since XXXX 2016. Since then they have repeatedly and consistently requested " additional '' information, clarification, redo a single line on this document, explain this ( six times ). In short, they are dragging this out with their endless quest for the perfect set of documents. I am well aware that there are specific requirements for XXXX, and we give them what they ask for EVERY TIME. I believe they are veering into fraudulent territory with their requests now. The " underwriters '' have reviewed our application no less than ten times since XXXX 2016, and today, suddenly, they ca n't read our names on the front page ( section one ) of the application. I have read online where they 've done this to other people over the years. We ca n't get our mortgage caught up without a modification, and we stay behind on our mortgage, trashing our credit, where we ca n't go to another lender and refinance. They have us stuck, and they are keeping us there, for no good reason. Either they want our home in foreclosure, or they are running up the loan balance and interest. Either one sounds like fraud to me. I will be filing complaints with the Federal Trade Commission, TN Department of Commerce and Insurance and TN Office of the Attorney General on Monday. If none of these agencies is able or willing to help, I will have no choice but to file a lawsuit against the servicer, which we no doubt will lose due to their " deep pockets '' and our " little voices ''. Please help us. Companies like this do n't deserve to be allowed to keep doing this to their customers. I 'm willing to fight, but what about others who do n't know how to fight? They simply lose their homes. Please step in and do something about it.
Product: Mortgage

Wells Fargo Home Mortgage has declined my request for assistance under the HAMP program. I have an adjustable rate, negative amortization mortgage that they have refused to modify into a fixed rate affordable mortgage. Despite providing tax return documentation and current bank statements, they have incorrectly calculated my gross monthly income by at least XXXX They claim my housing expense exceeds the HAMP XXXX % guideline although based on the income documentation I have provided is is less than XXXX %. I feel they are taking advantage of my inconsistent monthly income flow that is common in my employment as a XXXX to keep me in a adjustable rate mortgage that currently has a 7.3 % interest rate.
Product: Credit reporting or other personal consumer reports

623 ( a ) ( 7 ) of the FCRA states Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. To which I never received. Its evident Bank of America did not follow procedure to which has violated my right. If your company feels that I am wrong and yous did send the required letter and meant this law plz send me roof that you did so however I am in Emphatically positive you did not because as I stated no letter was received. Also I was never late on this account. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Credit reporting or other personal consumer reports

Im writing to file a formal complaint against the three major credit bureaus Equifax, XXXX, and XXXX for violations of consumer protection laws regarding the reporting of late payments on my credit reports. 

Under 15 U.S. Code 1681s-2, furnishers of information to consumer reporting agencies are obligated to provide accurate information. Specifically, section 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of information with actual knowledge of errors.

I have discovered inaccuracies in the reporting of late payments on my credit reports, which do not accurately reflect the transactions or experiences between myself and the creditors. These inaccuracies have resulted in negative consequences for my creditworthiness and financial well-being.

Furthermore, according to 15 U.S. Code 1681a, consumer reports do not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, any reporting of late payments must accurately reflect the true nature of these transactions and experiences.

I request that the credit bureaus investigate these inaccuracies and take immediate action to update my credit reports to reflect the accurate status of the accounts. Specifically, I need the late payments to be reversed and updated to reflect that the accounts were paid as agreed.

According to the law, I request that the credit bureaus provide an update on the status of the investigation and make the necessary updates to my credit reports within 15 days of receiving this complaint.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

XXXX has a few accounts on my report that are incorrect that I have tried to have corrected because of several data breaches I have letters for and won't remove the information. 
XXXX XXXX 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 XXXXXXXX closed account
Product: Debt collection

United auto credit has added interest to a charged off account. The account was charged off and I received a letter stating that my balance was only XXXX after the vehicle was sold at auction after a voluntary repossession. Unfortunately I can not furnish the letter because I lost alot of documents in 2017 during a move. They are trying to sue me on an incorrect amount. The amount tremendously exceeds the amount I owed the company. I paid on the car for almost 2 years and still they raised the owed amount as if I never made payments. They are denying to give me a 1099 of the debt that was charged off that I requested many times. They are also reporting inaccurate information on my credit report in regard to this debt. Dates, and amounts are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I had looked at my credit score recently and noticed equifix had an error on my address which I would like removed as I have never lived there or been associated with the following address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I had spoke to a customer rep and they had said they would remove from my file and never did.