23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Cash app had problems with getting in contact with someone
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid XXXX  XXXX  the regular pmt. Check was cashed for XXXX but not applied to account as the pmt. Had increased unbeknownst to me. Being reported as 30 days late XXXX yet the supposedly amount unpaid was XXXX Unfair that they took my money and simply did contact me for the dicrepancy amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and I have reported this to the credit companies, however, they have refused to remove these accounts. These account were due to identity theft and should not be on my consumer report. Experian, has failed to remove these accounts and it has continued to ruin my credit and my approval ratings with many companies or to finance something. Prior to hiring an attorney- I deemed it necessary to try this last approach. The accounts are below - XXXX XXXX XXXX XXXX amount $ XXXX - XXXX XXXX- amount {$2800.00} - XXXX XXXX- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment on this XXXX  XXXX for months. XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
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 XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Dear sir, I have received the documents prepared on XX/XX/year> regarding the Wells Fargo case no. XXXX and XXXX about account numbers ending in XXXX and XXXX. The CFPB case number is XXXX. You also included the letters written from the office of Wells Fargo Bank , N.A . XXXX XXXX and XXXX, addressed XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX. The documents on XX/XX/year> has dispute ID no. XXXX for account ending in XXXX. XXXX on XX/XX/year> has dispute ID no. XXXX for account ending in XXXX. The last one with dispute ID XXXX is for the account ending in XXXX. Both accounts, XXXX and XXXX, were meant for my business, the XXXX XXXX, and both were closed just after the Pandemic started with the belief, I would move to XXXX, NY after the completion of my degree with XXXX XXXX XXXX. Those accounts did not have any overdrafts and other issues to be criticized by your company. I do not remember whether your company branch sent me similar documents from the section of overdraft collection and recovery, since I closed the accounts because your company did not have the branch in XXXX, NY. Even if I do not remember whether I received similar documents in XXXX, I need to state that I do not have adequate reasons to be contacted by this section. As I am already having the identity theft report from FTC and my data which should be kept securely seems to be spoiled or made into disorder, it might be in vain to contact with them. Anyway, I have many CFPB cases with most of credit report companies. To receive the proper and organized credit reports created and recognized socially in the United States, these credit report companies need to dare investigating and answering the questions I made in the past XXXX year. 
Since I do not have any accounts with Wells Fargo and did not have any overdraft, I consider asking private information including social security number and date of birth might be interfering the protection of privacy. If this office needs the FTC identity theft report, this office can ask me directly again with proper reason why it has contacted with me and asked to provide the personal information ; even though I do not have any relationship and overdraft with Wells Fargo. 
Since I have had unwanted calls and unpleasant conversation with several customer services, I prefer not to converse by phone. Also, I consider it is preferable by letters to make sure the communication is verified by the non-English speaking residents of the United States. Since you state there is no issue between Wells Fargo and I, I believe we do not have to communicate further ; even though there is some questions. Also, I prefer to communicate by official and public phone numbers of Wells Fargo more than suggested number XXXX. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are still shown on my credit report after several written requests, which is against the FCRA. The Bureaus did not sufficiently comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the timeframe required by law. They continued to provide unsubstantiated and unverified facts even after engaging a third party as their verification source to explore the problem. Given my attempts to personally address it with 3 CREDIT BUREAUS, they are being deliberately neglectful and breaking the law, and I need this issue to be remedied as soon as possible. I need the following components removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax has made false allegations, and caused me a great disservice ... the erroneous negative reporting is affecting my life, and now they are stating that they will not provide an answer through the cfpb 's portal, because I may be using a credit repair company or clinic ... I am not, but even if I was it is at my discretion, and it is my right ... 
Can they just abide by the F.C.R.A. and act accordingly? 

this is an unjust tactic or measure they use often according to other consumers ... I want the items removed and an apology for the false claims ... litigation may follow indeed ... 

These accounts were settled with the original creditors, and no contracts exist with collection agencies and no validation has been provided, because it does not exist, and creditors have been contacted ... and I am yet to even receive the false investigation from Equifax ... 

XXXX XXXX {$82.00} XXXX XXXX {$75.00} XXXX XXXX XXXX  XXXX {$1400.00} charge-off
Product: Debt collection

NATIONAL CREDIT ADJU Account number XXXX Asked for {$210.00} for a loan I never got in XXXX and they updated the date to XX/XX/XXXX and when they original year they had was XXXX. They would not respond other than ask for the amount and my contact info after I had filled theft. I have already had this removed from XXXX after telling them this was theft. XXXX did an investigation and had it removed finding it to be outdated and thats when national credit updated the date to make it harder for me to remove! I couldnt believe it and national credit ADJU did not help me!
Product: Mortgage

We have been attempting for 4 years to get a loan modification through Carrington Mortgage Services but have been yet unsuccessful. My father passed away in XXXX and we started the process them to have him removed and myself added but they have not been able to work with us. They have continually come back and requested more paperwork ( Death Cert, Affidavidt of Death, Probate ) among other things. We can easily afford to stay in the house and resume the montly payments and even pay more if needed but in the meantime they pursued forclosure and now have a sell date of XX/XX/XXXX. I have even gone as far as filing for XXXX to protect us in hopes they would be able to work something out, but they have refused to help. We are seeking any help we can get, my attorney has even been unsuccessful in working to get a modification pushed through. I can provide a trail of docs that go back several years to show we have had every intention of keeping the home
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX  XXXX XXXX account ( Account # : XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for this account are inaccurate. Specifically, the reports indicate late payments for the following months : XXXX and XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
TransUnion : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
My payment history shows no record of late payments, as I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These discrepancies violate 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy of the information in consumer reports.

Under 15 U.S. Code 1681i, credit bureaus must conduct a reasonable reinvestigation of disputed information.

Additionally, 15 U.S. Code 1681s-2 mandates furnishers of information to provide accurate data to credit bureaus.

Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts.

Account Information : High Balance : {$430.00} Date of Last Activity : XX/XX/year> Balance Owed : {$39.00} Payment Amount : {$49.00} Credit Limit : {$3700.00} Requested Resolution : I request : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i.

Provide detailed information and evidence supporting the reported late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year>. If no evidence can be provided, I demand that the inaccurate entries be removed from my credit file. 
Correct all discrepancies to ensure my credit file accurately reflects my 100 % on-time payment history. 
Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ).

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A friend from high school reached out and ask me to invest in a stock trading company. So I did. 

On XXXX I sent XXXX and on XXXX I sent {$540.00}. 

The website they used was : XXXX XXXX XXXX My class mates name is XXXX XXXX. The lady who runs the scam companys name was XXXX XXXX. 

My chase bank said they could not do anything to get my money back. 

The XXXX transaction on my attachment was also fraud. It was not me that did that. I think if was from me entering my account info.
Product: Debt collection

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
PRIVACY ACT 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
Product: Debt collection

On XX/XX/22, I received the results of a previous complaint that I filed via the CFPB on XX/XX/22 regarding a collections account balance. XXXX XXXX XXXX responded, stating the account was closed as fraud and deleted. The dispute was settled. I was then instructed by a CFPB representative ( who confirmed the account was deleted ) to submit this information to XXXX, XXXX, and XXXX so that could be reflected on my credit score. I did so on XX/XX/22. Today, XX/XX/22, they have completed my disputes and said that the debt is still owed on my account according to Sunrise Credit Services who has verified that it belongs to me. This can not be correct as it directly contradicts the results I received from the CFPB last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX Account # : XXXX Charged off- This account is written as a charge off. 

Account : XXXX XXXX XXXX XXXX XXXXXXXX Late Payment dated XXXX XXXX  15 U.S.C 1681 section 602 A States I have a right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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. 

Chapter XXXX Bankruptcy XXXX XXXX # XXXX, has violated my rights. 

Chapter XXXX Bankruptcy XXXX XXXX : XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Chapter XXXX Bankruptcy XXXX XXXX : XXXX, has violated my rights. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX  F Date of inquiry : XX/XX/XXXX, has violated my rights. 

XXXX XXXX  Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 
XXXX XXXX Date of inquiry : XX/XX/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 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 complaint is my follow -- up to ensure that the disputed items in my file are thoroughly removed. 

Please remove these items for they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

I have a an account with bank of america. Almost 6 years ago, I had a secured {$500.00} credit card with them. This card was used to purchase a new bed for my bad back. The card was a front for a check I was to receive from my boss the following week, however my boss at the time refused to pay me and I had to pursue litigation which lasted a year before I could recover payment. In the meantime I couldn't make the payments on the account and it was closed. I currently have alot of cash and piggyback on my fathers credit which is near perfect and has an incredible history. However my score never goes up because of this closed account from so long ago which was due to circumstance. The account was paid off a few months after it closed however It has been almost 6 years with nothing changing. I need my credit to not be affected by this as I have purchases that I need to make that require a good score. I have tried resolving this with the bank with no luck and have no idea what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter disputing fraudulent furnishing on my credit report on XX/XX/21 to the three Credit Reporting Agencies ( XXXX, Equifax, XXXX  ). And all three have failed to legally remedy my report and delete the inaccuracies. According to FCRA and 15 U.S. Code 1666b Timing of 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. '' These agencies also violated my rights by furnishing these late payments without permissible purpose and consent by me, under 15 U.S. Code 1681b. 
It has been over 30 days with no response so I have sent a additional letter on XX/XX/21 and have included that also.
Product: Debt collection

On XX/XX/XXXX I sent a letter to dispute the validity of this debt. I do not owe this company anything and I have never signed any contracts with this company agreeing to pay a debt or to allow them to report to my credit. They have illegally obtained my information and they are using threatening and harassing tactics to try to obtain money from me. This company never responded with proof, only more threatening letters. I mailed out a second dispute on XX/XX/XXXX and for a second time, they did not verify any information with me.
Product: Credit card

OUTRAGEOUS. ERRONEOUS BILLINGS CONTINUE TO HAPPEN, NO AUDIT RESULTS, BUT MISTAKES CONTINUE TO " SLIP '' THROUGH. I AM NOW BEING TRIPLE CHARGED FOR A TRANSACTION CLOSING IN MY FAVOR, AFTER DECIDING IT WAS " FINAL '' IN THE MERCHANTS FAVOR. DISCOVER IS NOW GOING TO REVERSE THE TEMPORARY CREDIT GIVEN, HOWEVER WITH THIS REVERSAL, I WOULD BE ENDING UP PAYING FOR XXXXUSD AS YOU WILL SEE IN ATTACHED. PAPER STATEMENTS, DO NOT MATCH UP WITH E STATEMENT " ACTIVITIES ''. SO I AM BEING TRIPLE CHARGED XXXXUSD AND REFUNDED TWICE XXXX USD WHICH EQUALS ME HAVING TO PAY XXXX. HOWEVER, ON THE PAPER STATEMENTS I RECEIVE IN THE MAIL AND AVAILABLE ONLINE, XXXX 'S STATEMENT I WAS CHARGED MISTAKENLY BY XXXX, AND DISCOVER ALREADY REVERSED THE TEMPORARY CREDIT OF XXXXUSD BECAUSE AT THAT TIME THEY CLOSED IN XXXX ( MERCHANT ) FAVOR, THOUGH I HAD ASSURANCE FROM XXXX, THIS WAS THEIR ERROR AND I WOULD BE RECEIVING IT MY REFUND. 
IN XXXX 'S STATEMENT DISCOVER AGAIN REPOSTED THE REVERSAL TEMPORARY CREDIT OF XXXXUSD WHICH I WOULD BE RESPONSIBLE FOR. 
IN XXXX 'S STATEMENT, I HAVE RECEIVED REFUND FROM XXXX AS PROMISED BY XXXX. PLEASE LEAVE AS IS AS THIS WILL ZERO OUT. 
ON XXXX XXXX, 2016, I RECEIVED A LETTER SAYING THE CASE WAS SOLVED FINALLY IN MY FAVOR AND THAT THEY WILL BE ONCE AGAIN REVERSING THE CHARGE OF THE TEMPORARY CREDIT WHICH ULTIMATELY LEAVES ME PAYING AN EXTRA XXXXUSD THAT I AM NOT RESPONSIBLE FOR.