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

I opened a secured credit card with First Progress in XXXX with the goal of building my credit responsibly. For years, I maintained a flawless payment historythis is my only late payment ever. However, due to an undisclosed annual fee that I never received any notification about, I inadvertently missed the payment deadline. This resulted in a 30-day late payment being reported on my credit report, which is now significantly harming my credit score. 

Once I discovered the fee, I paid the balance immediately. In an effort to have the negative mark removed, I filed disputes with the credit bureaus on XX/XX/XXXX, and again on XX/XX/XXXX. In addition, I sent a goodwill letter to the company explaining that this late payment is an isolated incident in my otherwise perfect credit history and that the fee was applied without proper notification. Despite these efforts, the negative mark remains on my credit report. 

I have also observed numerous similar complaints on the XXXX  website regarding undisclosed annual fees and the resulting late payments from this issuer. Furthermore, the company operates under multiple names ( such as First Progress, First Digital, and First Latitude ) but uses the same customer service numbers and mailing addresses. This creates confusion for consumers, compounded by an outdated and unfriendly online payment interface, which together contribute to a pattern of misleading practices. 

I am requesting that the CFPB investigate these practices and assist in resolving the undue negative impact that this single, unexplained late payment is having on my credit profile.
Product: Credit reporting 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 U.S.C 1681. 
Account Name... XXXX XXXX XXXX... Account # XXXX ... Account Name.. XXXX XXXX XXXX.. XXXXXXXX XXXX.. Account Name XXXX XXXXXXXX XXXX XXXX.. Account Name... Experian XXXX XXXX... 
15 u.s.c 1681 section 602 A. states I have the right to privacy...

15 u.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions..

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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Debt collection

They release info to an ex girlfriend Ive asked them for a signed contract they told me they dont have to show me anything they threatened ex girlfriend and keep calling even though she told them to stop
Product: Mortgage

Ocwen does not explain nor is consistent with additional ; l fees on mortgage account. They have no valid explanation as to why they cant submit the proper XXXX according to agreement in the XXXX modification.
Product: Debt collection

I contacted the debt collector credit management control to notify them that debt did not belong to me and also that I didn't recognize it. They gave me further information of who was the owner of the account and what it was. It was a light company and they also gave the apartment address. I notify them that I never lived in that address and the debt didn't belong to me. Apparently, it was all done through the phone and without my consent. I been a victim of fraud.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the failure of TransUnion, XXXX, and XXXX to remove fraudulent accounts, unauthorized inquiries, and incorrect personal information from my credit file despite multiple disputes. This negligence violates Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ], 12 CFR 1006.34 ( b ) ( 5 ), and other applicable laws. 

Fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This account was reported as a collection/charge-off. The reporting of this accout is incorrect as there is showing a balance of {$2600.00} on a charged-off account as of XX/XX/year>. Under the FDCPA 15 USC 1692 act, there are numerous violations to your account and account reporting. Per the documentation submitted with this complaint, you will see the dates of the original creditors charge-off account with original alleged debt amount as well as the new increasing monthly debt? Also, the fact you are showing representatives as a law firm and not a debt collector is very misleading! Also, it is a violation of the FDCPA, I do believe. I would like to also know the exact nature of the increasing fees on the debt since the new reported debt by your company is showing from {$2900.00} to as high as {$3200.00} in the letter your company just sent? These discrepancies are gounds for dismissal alone. Furthermore, my income is protected as that it's all XXXX income that is uncollectable for debt. This is easily verified. I have never received a 1099c from XXXX of 2022 for the debt charge-off, which makes this income, which, at this time years later is also a violation. I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given. I do believe that the status of this accout is incorrect and that i have proofed that with the included documentation. I am giving you the opportunity to delete this account from your collections as well as from all three credit reporting agencies before I request litigation to show all the inaccuracies and misleading representations as well as the fess that are accumulating on the account with the numerous total amount due balances on a charged-off account. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. 

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Product: Debt collection

I have received repeated calls from this company stating that I owe them over {$16000.00} for an accident from XXXX of 2015. The police report lists the accident as a no fault accident. When I have told them that they scream at me and tell me that I know it was my fault and I just need to pay them. I have repeatedly asked for documentation showing myself at fault, as well as a breakdown of what they are trying to charge me and they refuse, telling me that I just need to pay them. They have threatened to put me out on the street and take everything I own. Also have threatened to have my License revoked. Every call ends with their representative telling me to pay them and then them hanging up on me.
Product: Credit reporting or other personal consumer reports

There are several names and addresses being reported all addresses other than XXXX XXXX XXXX XXXX are not my addresses or names my name is XXXX XXXX XXXX all other names are not mines they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX arms place and so forth
Product: Credit reporting or other personal consumer reports

These problems with the reporting accounts started back in XX/XX/year> where I disputed these accounts with all XXXX credit bureaus. This led me to file a report regarding Identity Theft. In Light of the lawsuit against XXXX now that I know that they were not previously verified. I am asking XXXX to remove that information from my Credit report. 

In lieu of this I understand that with the 605 ( b ) FCRA the bureaus have only 4 days to correct these errors.
Product: Debt collection

I moved my old apartment back in XX/XX/2022 period I had fulfilled my lease and was on month to month I'd give him my 30 days notice received confirmation from the leasing office that they received it and when I moved I owe no money I received a letter in the mail mid XXXX from a collection agent agency saying that I owed money for a balance that I owed to the apartments that I previously lived at which was XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX then that was the only letter or notice that I had received at all regarding this issue I do not owe the debt and I collected contacted the property management company however they had ceased operations a month after I had moved from the apartments so no one can get a hold of them I contacted the collection agency to tell them that I did not owe the debt I sent them bank statements receipts that I had gotten from the apartments for all my rent the 30 day notice I had turned in I submitted all Communications I had received to and from the apartment 's emails texts and letters and I dispute it with the credit bureau however I've received no help and they have ruined my credit but I do not owe this debt the property management company simply said I owed a debt and immediately sold it to a creditor which didn't contact me and immediately then place it on my credit report I have filed with the XXXX  and Attorney General 's office but still have received no solutions to this problem I do not owe this money I can prove I do not owe this money please help
Product: Vehicle loan or lease

I financed an auto with Wells Fargo Dealer Services XX/XX/2018 The amount financed was XXXX. ( first payment due XX/XX/2018 ) I made four payments on this loan ( XXXX- XXXX payment, XXXX- XXXX payment - XX/XX/2018-XXXX  payment & XX/XX/2018 -XXXX payment. ( loan showed paid until XXXX XXXX as of this payment XXXX ) The vehicle was totaled by insurance with an accident date of XX/XX/2018 ( insurance deemed total loss in XXXX XXXX Insurance sent a payoff check for {$10000.00} ( their screen reflects XXXX Insurance settlement but check was indeed made out for XXXX ). I was advised on XXXX by one of their customer service agents I would be mailed a XXXX over payment check. On XXXX XXXX I received a check for XXXX. I called Wells Fargo and was told that was all they owed me and did not give a good explanation as to why they are keeping the over payment that was paid to them above the amount financed. If you add the insurance payoff check and the XXXX in payments I made- the total paid to Wells Fargo dealer services was XXXX - amount financed XXXX = XXXX - XXXX check mailed to me = XXXX is left owed to me as far as my calculations show. I would like to know why they can keep this overpayment. In the ledger of my online account it even shows " payoff with overage XXXX '' unapplied adjustment -XXXX. They also show a Late charge adjustment which I am not sure why as There was never a late payment made on the account only future payments made.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following accounts on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I received a call from capital one stating that there may be fraudulent charges on my account ( an account I had but never used ) a total of {$28.00} was charged, I confirmed for them that they were fraudulent and that I did not make them and I would like the account closed as well! I have spoken with multiple representatives that have taken my security questions and my personal information and told me that it will be closed, I am now receiving mail saying that I have not contact them and I will be responsible for the charge I just received another statement saying if I do not pay the XXXX that I will be charged a {$35.00} late fee?? can someone please help me get the fraudulent charge removed and my account closed so I never have to deal with capital one again?
Product: Credit card

I received a letter from Capital One that my account is {$100.00} delinquent. My account was charged off and given to a collection agency. The account was ultimately paid in full last week with confirmation of all payments. I have attempted to contact Capital One after receiving this letter but transferred to a voicemail. I have placed about 10 calls during the day to this number and all have been transferred to the same individual. I am attaching a copy of the letter received along with my response. The account has been paid in full, I have all documents from the collection agency, and I have all records showing history of payments.
Product: Debt collection

My husband and I ( We are elderly, both XXXX, and often the victim of scams ) keep getting letters from Deville Asset Management LTD that they owe XXXX that does not explain what it 's for, but demanding payment. We have no idea what it is but are very concerned.
Product: Debt collection

On or about XX/XX/XXXX and XXXX I received alerts that my Fico scores had dropped almost XXXX points due to a debt collector XXXX Common Wealth Financial Systems ) reporting I owe them for an outdated debt. XXXX ) The alleged debt is past the statue of limitations. XXXX XXXX The alleged debt is past the legal reporting date. XXXX ) They never validated the outdated alleged debt. XXXX XXXX They maliciously reported it to the 3 credit reporting agencies expeditiously as a way to extort money even though they are aware that the debt is outdated to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates of inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> these Companies pulled my credit profile without my Authorization. This incident was reported as identity theft & should be removed from my credit profile. - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX XXXX You are in direct violation of the fair credit reporting act. Capital one has violated several of my rights.. 15 USC 1681 section 602A clearly states that I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 US 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. remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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

EXETER FINANCIAL LLC opened XX/XX/2021, remaining balance is {$1700.00} which was under GAP INSURANCE within the company! Not my insurer.
Product: Credit reporting or other personal consumer reports

This account was charged off XX/XX/2021 since then this account has repeatedly been updated as charge off every month. This is an update on the payment history. A charge off account shouldnt include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX account # XXXX
Product: Mortgage

In short.. our mortgage carrier failed to pay a bill from our escrow account that was submitted to them via email, which can be proven. Subsequently they force placed insurance that was almost 4x normal rates, despite having coverage through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have only refunded a portion of the money and will not resolve the issue. We have been trying to get it fixed since XXXX. I have tracked our correspondence and we have at least XXXX phone calls and XXXX emails trying to fix the issue and they will not provide an answer/solution. They keep stalling and are going to raise our mortgage to " catch up '' on escrow despite the fact that they owe us a refund. They have since failed to pay the bill again to our insurance and our policy was cancelled, even thought they have all necessary information to pay the bill and the money is in escrow. My insurance provider has also saved records of correspondence and they just can not be trusted with this escrow account nor to pay the bills on time. Cancelled policies cost me more money out of pocket to reinstate them to the amount of XXXX XXXX I can provide copies of phone records and emails upon request. There are several and attaching so many may cause an issue.
Product: Debt collection

Abuse of Power, Abuse of the System, Financial Fraud for Personal Gain, Filing False & Illegal Documents, Unfair and Illegal Business Practices, Theft, Racial Discrimination, Violations of Consumer Privacy Laws, Statutes of Limitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax used my information incorrectly due to a breach so I now have discrepancies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX, I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within XXXX  days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not XXXX percent accurate. I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

XXXX  Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,