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

XXXX is reporting negative items from XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX violating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.
Product: Checking or savings account

On XX/XX/XXXX 3 transactions were made it started at a gas station then at a design store then XXXX a total of almost {$400.00}. They only refunded me the first transaction from the gas station but not the rest which I didnt dispute since they said my chip was used for the purchases when I clearly spoke to the rep when the transactions were being made. How can I argue with the bank its pointless at this point I feel hopeless and annoyed since today XX/XX/XXXX another transaction of {$8.00} was made having to go through it all over again. Canceling my card for the 2nd time less than a year its just annoying since they dont help me in clarifying why is my information keep getting hacked.
Product: Debt collection

On XX/XX/2018, I received a written notice from XXXX XXXX XXXX XXXX XXXX. regarding an account.
Product: Mortgage

I previously applied for mortgage with First Niagara ( now KeyBank ). We made it to the cleared to close stage and had scheduled a closing. However, we discovered the seller actually did not have bank approval to sell at the agreed price and we withdrew from the sale and mortgage. We received an application withdrawal acknowledgement from the underwriter. No closing occurred and no mortgage documents or promissory note was signed. However, recently KeyBank has created the mortgage accounts for the amounts in the withdrawn application and is attempting to withdraw payments from our checking account. I also discovered that they have furnished the information on this mortgage to credit reporting agencies. We then sent a dispute letter via certified mail to the bank and hand delivered copies to the local branch manager and our loan officer. Since then the bank has had the collection department contact us and demanding payment on this non-existent mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been approved for the forbearance under care act due to the impacted of covid 19 financial hardship, the approval is for the length from XX/XX/XXXX to XX/XX/XXXX, and I made payment for the month of XXXX and XX/XX/XXXX, However I have reviewed my credit report and noticed that XXXX has reported to credit bureau that I was late for more than 90 days for the months that I was approved for the forbearance and 30 days late for the month of XXXX and XXXX, I have filed a dispute However XXXX has not made any correction, this error has cost my credit score decrease so many points, please help since I can not contact XXXX.
Product: Checking or savings account

On XX/XX/year> I completed a Bill Pay for my car payment. It was my first time using bill pay. I entered in XXXX XXXX XXXX XXXX XXXX into the system. When entering the payee, Capital One pre fills the address to the payee, and I enter in my account number for my car payment account. The check was sent to the address capital one filled in. I called Capital One twice because XXXX never showed proof of payment and I was concerned. I was told by a rep the payment was rejected and sent back to Capital One due to incorrect information. I was never notified or refunded after the payment was rejected. Instead Capital One resent the payment again with the same incorrect information. I called Capital One to verify the payment information used as XXXX stated they never received my payment. I then confirmed the address Capital One sent my payment to was a payment address for XXXX XXXX XXXX not XXXX. I've reached out to XXXX several times to find my funds and the check was cashed by a third party vendor and the funds can not be located and no one will get back to me to resolve. If capital one had returned my funds when the payment was rejected and notified me the first time the payment was rejected, I would not be out of my car payment. This has affected my credit as my car payment is 30 days past due and has placed me in a financial hardship as I have recently lost my job and can not afford to make a double payment. I want my funds refunded immediately due to their error and negligence for resending funds when they were alerted the information contained on the bill payment was incorrect. Please see the attached email with XXXX confirming Capital One sent my payment to the wrong bank.
Product: Credit reporting or other personal consumer reports

Issue : I have fallen victim to identity theft perpetrated by a fraudster. HoweverXXXX XXXX XXXX XXXX XXXX XXXX ) is compounding the situation by severely damaging my FICO score through incorrectly labeling the closure of my credit card as a Unpaid Balance Charge-off. 

Requested Resolution : I urge XXXX XXXX XXXXXXXX to accurately communicate to the credit reporting agencies that my credit card was closed due to fraudulent activity perpetrated by an external party. 

Background : In [ XXXX, XXXX ], an individual identified as XXXX XXXX XXXX approached my family, offering assistance in reducing our debt burden through the XXXX XXXX XXXX program. He requested that we transfer [ {$67000.00} ] to his account. Subsequently, he made several ACH Payments to our XXXX XXXX  XXXX credit card, only to reverse the transactions and abscond with our funds. On XX/XX/XXXX a claim was raised by us with XXXX XXXX XXXXXXXX for the investigation of the fraudulent activity. In response to the claim we received a letter from debt collector first source on XX/XX/XXXX. 
Additionally, we have reported this fraudulent activity to law enforcement entities including the XXXX XXXX, CA police ( report no XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX/XXXX/XXXX I DISPUTED A COLLECTION ACCOUNT FROM XXXX XXXX XXXX XXXX IN THE AMOUNT OF {$130.00} ON MY EQUIFAX CREDIT REPORT. I RECEIVED NO RESPONSE. I SENT A FOLLOW UP LETTER ON XXXX/XXXX/XXXX. I RECEIVED A GENERIC RESPONSE, BUT NO INFORMATION HAS APPEARED ON MY REPORT SAYING THAT THIS ACCOUNT WAS BEING DISPUTED. PER XXXX  LAWS, IT MUST SHOW DISPUTED WITHIN 30 DAYS. AS OF THIS TYPING IT IS STILL NOT SHOWING DISPUTED. EQUIFAX IS BREAKING FEDERAL LAW AND I KINDLY ASK THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT OR COURT ACTION XXXX HAVE TO BE MY NEXT STEP. I HAVE ATTACHED COPIES OF MY LETTERS INCLUDING A 3RD LETTER DATED TODAY XXXX/XXXX/XXXX. I CAN ALSO PROVIDE PROOF OF DATES WHEN EQUIFAX RECEIVED MY CERTIFIED LETTERS AND PROOF WITH TIMESTAMPED CREDIT REPORTS SHOWING THEY HAVE NOT COMPLIED WITH THE 30 DAY MARK AS DISPUTED LAW.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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
Product: Prepaid card

I was given a {$400.00} American Express Gift Card for my 5 year work anniversary from my company. I have been unable to pend the remaining {$57.00} on the card. It constantly get rejected. Have tried XXXX, XXXX XXXX, XXXX, XXXX, etc. I have followed the rule of possible 20 % hold on the sellers end and have made purchases as low as {$40.00} and it will not clear. I have attempted to use it via XXXX XXXX. Same issue. It seems as if AMEX wants this to be difficult so the balance never gets spent. I have only had 1 successful transaction at XXXX however that got declined multiple times until I was able to get it to work by removing other items.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b that the 3 bureaus are required to delete any item listed on an id theft report. Please find the required documents to assist in the removal of the erroneous information in my credit report. 

XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am a U.S. XXXX XXXX XXXX  XXXX for the past ten years and I just found out that I have been defrauded by an insurance company and a bank over them issuing a bogus renters insurance policy that was fraudulently taken out in my name, without my permission, and false claims were made!! 

In a letter dated XX/XX/XXXX, from Wells Fargo Bank, I received a refund check from Wells Fargo for {$30.00} as supposed " reimbursement '' for a renters insurance policy that I never applied for and for which I was charged premiums. In a telephone conversation with a Wells Fargo employee named " XXXX '' ( ph # XXXX ) on XX/XX/XXXX, I was informed that in XXXX / XX/XX/XXXX I had been fraudulently signed up for renter 's insurance with an Ohio company called XXXX XXXX XXXX XXXX by several Wells Fargo employees ( whose name XXXX refused to divulge! ). 

I have NEVER had renters insurance in my life from any company, ever. Yet someone employed by Wells Fargo was in a conspiracy with someone employed by XXXX XXXX XXXX XXXX to fraudulently sign people up for bogus renters insurance policies, and then make FALSE CLAIMS against these policies in order to steal monies!! Furthermore, this was all done as a part of a payment scheme by the Wells Fargo employees in order to meet certain sales quotas and to generate revenue for the bank. A XXXX search showed me a XXXX news article about where Wells Fargo had done this to over XXXX people in California last year ( https : XXXX ). 

You all need to investigate this and lock some people up. My credit has been damaged, false insurance claims were made against me ( which has hurt my ability to get insurance in the future because people won't insure a person with a history of claims ), and the bank and insurance company paid monies out to people who stole my identity, and a HUGE XXXX has been committed against the citizens of this state! 

Insurance fraud and identity theft have taken place here, along with money laundering and wire fraud, too. These are serious felony offenses and people need to go to jail for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX I HAVE ENCLOSED MY FTC REPORT.
Product: Credit reporting or other personal consumer reports

XX/XX/year> call Equifax to remove credit freeze so lender, XXXX  XXXX XXXX, could pull credit for a mortgage application. Was advised this would take place same day. credit freeze not removed and subsequent telephone calls made to Equifax service center throughout early to mid XXXX, continuing to late XXXX including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Credit freeze lifted the morning of XX/XX/XXXX but before the lender could pull credit, by the afternoon of XX/XX/XXXX the data feed was deleted and now when logging into to Equifax, no data is displayed. Lender still can not pull credit. Called Equifax about this new issue XX/XX/year> and XX/XX/year>. They now want to send a link for the submission of a copy of a Social Security card and Driver 's License whereas before they would text a code. I am not going to submit copies of these documents to an international call center for no valid reason. All of these problems have been explained by representative after representative as technical issues, with no reason as to why, no ability to talk with a manager, and no prompt resolution. This is resulting in the ability to apply for a mortgage. There is no domestic telephone number for Equifax and I have received no service, no resolution and can not move forward. This is unacceptable.
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I was an authorized user my my fathers account and I paid him directly for the amounts I used. He took my payments and defaulted on the loan, now the delinquency is being reported on my credit bureau file as delinquency and charge off. XXXX XXXX XXXX XXXX XXXX XXXX XXXXn the $ XXXX dollar range
Product: Debt collection

Thank you for taking the time to investigate this case. I seek your assistance in stopping the illegal practice of " phantom '' payday loan collections by XXXX XXXX and Hylan Asset Management. In regards to my case, I have secured a release from Hylan Asset Management and do not require individual assistance. However, I strongly encourage a full investigation of these companies due to their violations of the Federal Trade Commission Act, wire and mail fraud statutes, and the Fair Debt Collections Practices Act. 

I am certain that XXXX and Hylan are knowingly running a " phantom '' payday loan scam by attempting to collect payday loans that did not originate and are not valid. I am certain that I am a victim of this scam. If you desire, I can provide a full financial disclosure demonstrating beyond a preponderance of the evidence that I did not received these funds, nor solicit such loan. Throughout this ordeal Hylan and XXXX have been unable to provide any proof of a promissory note, loan origination, or collection attempts. Further, according to XXXX the original creditor was " XXXX XXXX. XXXX '', however written communication also shows a disputed payday loan from " XXXX XXXX, XXXX '' or " XXXX ''. XXXX and Hylan have been unable to accurately describe the disputed debt in their communication. This is further evidence of a " phantom '' payday loan scam. 

Enclosed is all written communication between the parties. Research indicates that XXXX and Hylan have a very high percentage of clients claiming that these loans are " phantom ''. As both of these companies are within your jurisdiction, I can not emphasize enough the importance of stopping this unfair, deceptive, and abusive conduct. Their conduct is illegal and prays on vulnerable populations. 

Thank you for your assistance with this important matter.
Product: Debt collection

On XX/XX/2020 certified letters were mailed to CCS Services XXXX XXXX XXXX Ma XXXX in regards to : Account # XXXX Consumer Protection MGL Chapter XXXX  Demand letter was mailed XX/XX/2020 and received ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX XXXX Request for Validation of Debt letter was mailed XX/XX/2020 ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Consumer Protection MGL Chapter XXXX  Demand letter was mailed XX/XX/2020 and received ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX XXXX Request for Validation of Debt letter was mailed XX/XX/2020 ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX ) On those letter Chapter XXXX gives CCS the opportunity to make a good-faith response within 30days. It has been more than 30Days and they have refused to validate my debt or remove this account from Collection.
Product: Credit reporting or other personal consumer reports

CREDIT REPORTING COMPANY- EXPERIAN REOVE IMEDIATELY I am writing to formally request the immediate removal of the following inquiries on my credit report, as I have no knowledge of these inquiries and did not authorize them. These entries appear to have been made without my consent and are negatively impacting my credit score. The unauthorized inquiries are as follows : XXXX XXXX - Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inquiries be removed from my report immediately.

If these inquiries are not removed promptly, I will consider further action to protect my credit profile. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

COMPLAINT FOR CFPB PARA REMOVER LATE PAYMENT ( ( XXXX XXXX XXXX ) ) Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EQUIFAX regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX " I have submitted XXXX separate disputes to EQUIFAX regarding a late payment reported by [ name of the creditor ]. In each dispute, I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the reported late payment is inaccurate for the following reasons : [ include reasons ]. Despite my repeated efforts, I have not received an adequate resolution to correct this issue, which continues to unfairly impact " my credit history. '' " I am deeply concerned about the error in your records showing a late payment, as I am confident that I fulfilled my obligation on time. This may be due to an administrative mistake or a failure in your processing system. I am requesting an urgent and thorough review of my payments, as an incorrect report could unfairly impact my credit history. As a responsible consumer, I always ensure my financial commitments are met, and I trust you will correct this error before any further action is taken or my credit is negatively affected without justification. I appreciate your prompt response and correction of this matter. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX