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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card or prepaid card

I opened an account with capital one XXXX of 2019. Payment was due the XXXX of each month. Ive made payments on the XXXX with the exception of XXXX ( due to covid ). Im struggling to make the min payment but still have done so. Apparently the payment is showing as past the deadline on there end. They have changed me late fees for every single month even though I made payment on XXXX. I would like to have the late fees waived so I can make payment. Moving forward I have no issue making payment on the XXXX to avoid the XXXX  policy that they Have. They have refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/ Madam, Between the years of XXXX & XXXX, I filled over 14 complaints against Experian Credit reporting agency . 
Experian obtained it's consumer information from a third party vendor XXXX XXXX XXXX XXXX. 

According to the FCRA LAW, public information shouldn't be furnished from a third party vendor, it has to be from the direct contact of source, which in my case from the Bankruptcy Court, Experian had not done so, yet insisted on creating lies and fraud of information. 
This is a complaint number that was closed XXXX XXXX ) indicated all the correct information about Experian scam of information. 
I personally have contacted the Bankruptcy court of XXXX New Jersey to find out if the court has any affiliation with Experian or any agency to furnish public information, I was told that the court does not have any affiliation of any credit agency what so ever, I proved that to the CFPB and to Experian by a direct letter/document from the BK court. 

XXXX XXXX was contacted by me, The removed the public information from their records, they proved that Experian credit agency purchased my public record fromXX/XX/XXXX( a Third part vendor ) and furnised it claiming that they obtained it directly from the BK court, which was a big scam and a big Lie. Experian still continues to violate the FCRA and must be stopped. 

I am contacting the CFPB to enforce Experian to remove the public information from my credit report ASAP immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00}.
Product: Mortgage

I filed a complaint in XX/XX/XXXX. CFPB XXXXXXXX XXXX XXXXXXXX. 
I took out a loan with Wells Fargo Mortgage. We had a high interest rate and tried time and time to do a loan modification. We were denied each time with no reason and Wells Fargo foreclosed on our home in XXXX. 

My complaint was filed because I wanted to know why we were denied time after time. Wells Fargo could not give me an answer. They said they had no records of that which is unacceptable because they had all other records and dates. 

I am asking for the reason we were denied a loan modification. They knew the payment was too high for us and would not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with Equifax, XXXX, and XXXX about giving other reporting collection companies using information that was sensitive without my written consent due to permissible purposes act which i never gave permission, as well as transferring medical debt to third party collection agencies violating my right to privacy. I was a victim of identity theft, and these collections are non-valid due to the nature of this situation and others using my name to receive medical attention with my insurance as well as trying to access loans and credit cards in my name. I have discussed also that several inquiries and closed accounts needed to be removed from my account. It has been well over 30 days and by the fair act 's rights of consumers, any negative information needs to be removed in its entirety. I appreciate your time and patience to this matter.
Product: Checking or savings account

T D BANK had several forms of advertisement, ie internet, direct mailing, in bank personnel/ employee, and also listed on other websites such as see XXXX XXXX ( copy uploaded ) The promotion under which I opened my account with TD BANK stated the following : The bank employee took a copy of the " Social Security Check '' with both names listed to confirmed with manager on duty that we qualified for XXXX of the " PROMOTION '' being offered which was ( XXXX ) days of " DIRECT DEPOSIT '' of {$500.00} or more after the XXXX  days we would qualify to receive {$250.00} deposited into the account being opened. The only EXCEPTION was, we had to keep {$100.00} in the account each month by our statement due date of the XXXX of each month, if not we will be charged a below {$100.00} fee OF {$15.00}. 

THE ACCOUNT WAS OPENED IN THEIR XXXX XXXX XXXX XXXX AND XXXX XXXX BRANCH ON XX/XX/XXXX CALLED A : TD CONVENIENCE CHECKING. OUR XXXX  DAYS OF DIRECT DEPOSIT WOULD EXPIRE ON XX/XX/XXXX ( XXXX ) DAYS ON XX/XX/XXXX The account was ( $ XXXX Cents ) of the required {$100.00} required end of month the account had {$99.00} I could not get to the bank and XXXX was not set up ( to do so would take XXXX days to verify the account by TD BANK REQUIREMENTS. I GOT TO THE BANK THE NEXT DAY TO DEPOSIT THE {$0.00} Cents but was charged {$15.00} SPOKE TO XXXX XXXX IN DEPARTMENT OF SUBMISSION CONTACT CENTER FOR TDBANK WHO SAID TO AVOID THE {$15.00} FEES SHE CAN SWITCH US OVER TO THE TD SIMPLE CHECKING FOR {$5.00} PER MONTH WITH NO {$100.00} REQUIREMENT, AND I WILL BE OK BECAUSE I HAD ALREADY HONORED THE XXXX  DAYS REQUIREMENT, AND I WILL STILL BE A TD BANK CUSTOMER WITH DIRECT DEPOSIT. 

I am filing this official complaint with the CFPB because all my EFFORTS IN HAVING THE MANAGER, THE ASSISTANT MANAGER ALONG WITH THE CUSTOMER SERVICE DEPARTMENT TO HAVE TD BANK HONOR THE PROMOTION HAVE FAILED. 

THE REASON BEING GIVEN BY TD BANK FOR NOT HONORING THE PROMOTION {$250.00} UNDER WHICH THE ACCOUNT WAS OPENED IS, STATING THAT MY NAME WAS NOT ON THE PROMOTION. ( Which by the was it was ) THE PROMOTION DID NOT REQUIRE A NAME IT WAS ON THE INTERNET, IT WAS BEING MAILED TO HOUSE OWNERS, AND MOST OF ALL IT WAS CONFIRMED BY THE MANAGER ON THE DAY I OPENED THE ACCOUNT THAT I QUALIFY FOR THE PROMOTION. 
THIS IS A BAIT AND SWITCH DECEPTIVE PRACTICE AND I PERSONALLY ALSO FEELS IT'S A DISCRIMINATORY ACT. 
I HAVE BEEN TO SEVERAL BANKS WITH THE ISSUE AND NO ONE WANTS TO HONOR THE PROMOTION FOR OVER A YEAR. WHY? 
ALL REQUIREMENTS WERE MET. IS IT THE XXXX OR THE PIGMENT OF THE SKIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, I found some wrong details on my credit report. I immediately wrote to the credit bureaus to correct and have these items removed or updated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. I am writing to have the following items removed : XXXX : CAPITAL ONE XXXX XXXX : CAPITAL ONE XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor XXXX 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 21 days before the payment due date. 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy. 

After reviewing my credit reports I noticed that You, TRANSUNION, are alleging that the following account IS negative and claim to be the ORIGINAL CREDITOR without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove ALL adverse remarks for the following account : Account Name : XXXX XXXX XXXX Open Date : XX/XX/2021 BAL : {$3700.00} As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Product: Debt collection

DATE COLLECTION CEASE AND DESIST LETTER NOTICE AND DEMAND FOR CRASE AND DESIST FOR ACCOUNT # To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and sienatures to an account that you can not prove is mine. 
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - " Failure to validate this alleged debt ''.

I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.

15 USC $ 1692cI Ceasing communication If a consumer notifies a debt collecto in writing that the consumer refuses to pay a debtor that tat consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt.

FDCPA {$810.00} [ 15 USC $ 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consu
mer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and despite my repeated efforts to notify XXXX, Equifax, and XXXX about the fraudulent information on my credit reports, they have failed to remove the inaccurate addresses, phone numbers, and employers that do not belong to me. This situation has caused me significant distress and has the potential to harm my financial well-being. 

I have sent multiple letters to Equifax, XXXX, and XXXX detailing the fraudulent information and requesting its removal, but to no avail. The addresses, phone numbers, and employers listed on my credit reports are not associated with me, and their presence is a result of identity theft. 

The fraudulent accounts and personal information on my credit reports, as well as the addresses mentioned in the documents I provided, clearly indicate that my identity has been compromised. Despite my efforts to rectify this situation, the credit bureaus have failed to take appropriate action. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that XXXX, Equifax, and XXXX comply with the Fair Credit Reporting Act. It is crucial that the inaccurate and fraudulent information on my credit reports is promptly removed to prevent further harm to my financial reputation and well-being. 

Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call saying that owe money to a check cashing place. The number was XXXX and left a message stating I owed money to them on several accounts. I called them back at the number they provided XXXX. They had my social security number and birthday date. Did not have my address. Tried to get it from me. I got off the phone and looked up the numbers and found out that it was a scam. Last year utilities were open in my name in Texas. I disputed it, but it is on my credit. I called the number back today and they got all mad saying they wasn't a scam. I looked up the address that was on the documents they text me and it for a XXXX in North Carolina and the company was called XXXX XXXX XXXX doesn't assist. 
The address on the documents isn't mine either. 
The phone number on the form is XXXX.
Product: Student loan

In XXXX I attempted multiple times to make a payment on my student loans in order to pay off the interest before the grace period came to an end and the interest would be capitalized. I had many problems making the payments and would receive notification that my transaction would be completed within 2 buisiness days. 3 or more days later, without any notification, that the transaction had been cancelled. It had even disappeared from my Nelnet website accounts history. I attmeped to make the payment again, as this is a time senstive subject matter, as well as sent an email asking for help in Nelnets online cutomer service. The transaction was once again cancelled with no notification and deleted from my history, no email, nothing. After waiting two weeks, more than the alloted time that was said that they would respond to me ( 2-5 business days ), I still received no response from Nelnet. I logged into my account and attemped the payment again and sent another email via their customer service link, while logged into my account ( in this case I am clearly identifiable ) and the same events took place. No returned emails, no contact whatsover, and a mysteriously cancelled payment that once again did not appear on their website. This is extremely deceptive as it is in Nelnets favor to ignore my attempted payments, as they could charge a fee for a late payment or in my case they could have benefited from captalized interest. Thankfully after many days and numerous attempts I was able to make a successful payment before the end of my grace period but I am still extremely concerned as it has now been 3 months and I have not received any type of response from Nelnet. I know that my email address is correct on my account as I still receive automated emails from Nelnet about my statements but this is an urgent issue that could cost me and others money from deceptive tactics, especially young adults like myself who are just starting out in terms of banking and money.
Product: Debt collection

Zwicker and Associates contacted multiple members of my family even after both them and the original creditor had both been told to not contact me. They contacted at least 3 members of my family multiple times. 

When they filed lawsuit they did it during the period of the XXXX required for debt validation. Even though they received a debt validation request on XX/XX/XXXXth they file suit onXX/XX/XXXXrd. They did not provide a true debt validation. They sent fraudulent manufactured statements in late XX/XX/XXXX. 

Even though the files were incorrect they proceeded to serve sewer service on my house. The thug they hired beat continuously on my door. I have no trespassing signs. The man peered into the windowed opening of my door over 5 feet from the floor. A trespass if privacy in XXXX. Then he tried to open my door. When I told him to leave from a side window he began kicking the glass of my storm door, and hit my porch lamp, breaking it. Further the very rotund man leaned on my porch beam and caused nails to start to to pull from its support. He shifted my porch fence by 3 inches from his intentional malicious injury to property. He then placed the papers in my mailbox. A federal crime. 

The lawyer an XXXX XXXX XXXX of XXXX XXXX wont tell me the name of the thug he sent to damage my house.
Product: Debt collection

While checking my credit report I noticed Diversified Consultants, Inc. reporting a negative account with a balance of {$300.00}. I immediately disputed this with the credit bureaus and then I received a letter, which is attached, claiming to be collecting for XXXX. I sent a letter, which is attached, requesting they verify this alleged debt on XXXX, XXXX 2017. As of today I have not received any response. The letter was sent USPS Certified Mail with Return Receipt, also attached, and was received by Diversified Consultants Inc. on XXXX XXXX, 2017. It has been nearly 60 days since they received my letter and I am now demanding they delete this account from my credit report since they can not provide proof nor respond to my letter in a timely manner.
Product: Debt collection

Your continued disregard for my requests violates the Fair Credit Reporting Act ( FCRA ), which mandates the investigation of disputed information. This constitutes a clear violation, subjecting your company to legal consequences. Despite multiple requests to investigate and correct the information, including the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a two part complaint ... one the credit reporting agencies such as credit karma, XXXX XXXX are reporting short credit history which is not showing the positive paid off credit history that should be on record at least 7 years. Improper reporting of employment and reporting higher scores than a mortgage lender. On XX/XX/XXXX scores reporting XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX. Just after a 20 pt drop from ( XX/XX/XXXX part 2 complaint ) The mortgage company showed scores based on their scoring model as XXXX, XXXX, XXXX XXXX, XXXX XXXX. I was stunned and shocked how completely different this was which you know what happens to people who are trying to buy a home. Not a very good outcome. I worked very hard with little positive information reported to my credit score ... now onto part two. Last year XX/XX/XXXX ' created a hospital debt over medical..the remaining balance was {$1400.00}. This was sent into collections XX/XX/XXXX and reported to XXXX. I started making payment beginning XX/XX/XXXXto XX/XX/XXXX ( now paid off ) since I made a payment it was reported again and dropped score over 20 pts transunion reported on XX/XX/XXXX score XXXX  a few days before my wife and I were to meet a mortgage lender needless to say this was the most stressful time to watch everything fall apart.
Product: Checking or savings account

I lost my cash app debit card XX/XX/XXXX. So, I placed an order for a new debit card the XXXX of XXXX, it cost {$54.00} because it was suppose to be made out of metal. Anyways, I never have received the new debit card and I can't get them to issue a new one or refund my money. I have screenshots from the conversations that I have had with cash app about this problem. They have now disabled my account and are telling me I can not get a card now. I have asked why but no reply. I will be more than happy to send you the screenshots, thanks!