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

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not reported? 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Please apply these laws to account : 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 or 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.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b - Acquisition of location information does not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. 
The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Also, the Credit Bureaus took more than 30 Days to complete my investigation ALL dispute letters were sent by Certified Mail
Product: Credit card or prepaid card

On XX/XX/21, I was charged {$520.00} with my credit card through Keybank for staying at the XXXX XXXX in XXXX XXXX, Ohio. I was not happy with the room therefore I didn't even stay there. I also was not happy because the staff were not wearing their masks.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : I was a victim of identity theft through a theft of my XXXX and associated passcode and wallet. The phone and XXXX XXXX were used to make many unauthorized transactions ( approx {$6000.00} ). I notified XXXX XXXX within hours of the incident as well as providing a police report to the same effect. I also requested my account be closed as I no longer had the card or XXXX. The account was closed as requested. 

XXXX XXXX disputed the transactions and after an investigation found all fraudulent transactions to be truly fraudulent and did not hold me responsible. 

XX/XX/XXXX : However, several months later, I was notified of a delinquent account on my credit report in the amount of about {$100.00}. I contacted XXXX XXXX to dispute this report and informed that as a matter of course in reversing the fraudulent transactions, XXXX XXXX actually charged me a small percentage of each transaction due to their rewards program. 

I explained that I did not have access to these rewards as I lost the phone and closed the account ( I actually believe the thieves may have used those rewards too ) and that I should not be responsible for downstream effects of fraudulent activity, regardless of XXXX XXXX rewards program . 

They informed me they would open a dispute and I have had no resolution since. 

At the same time, I filed an identity theft dispute with XXXX and Experian ( the reporting agencies at this time ). They both opened investigations and apparently XXXX XXXX continued to verify the accuracy of the delinquent account. 

In early XX/XX/XXXX I paid the full balance XXXX XXXX alleged that I owe to a void their continued reporting, however I contest that any amount was ever owed. 


I have also attached the original dispute letter which includes my police report as well as my FTC Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX are reporting I was on LATE XX/XX/2020. I request METHOD OF VERIFICATION of this late payment. Please provide the names, phones, addresses and process used to determine the Late Payment or correct the history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems has knowingly been reporting inaccurate information to banks and reporting agencies in reference to my social security number. Ive disputed and had fraud alerts, police reports sent into them concerning someone having an active account at multiple banks within XXXX Georgia in my name but under different social.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ). According to the FCRA, credit reporting agencies are required to remove or block any inquires or accounts that result from identity theft or unauthorized access to my credit report.I believe this is in violation of Section XXXX ( B ) of the FCRA.I kindly request that you block this information from my credit report within four business days, pursuant to section 605 B of the Fair Credit Reporting Act.
Product: Debt collection

XX/XX/year>. Midland credit management reporting incorrect information that may be the result of a data breach. 

XX/XX/year>. XXXX XXXX reporting incorrect information that may be the result of a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX ( XXXX XXXX ), XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX/XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, XXXX XXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and Equifax ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and XXXX. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.
Product: Mortgage

I am a XXXX year old female who bought my home in New Jersey XXXX years ago. Up until approximately XXXX months ago I was paying my taxes to the city. I did not want an escrow account. My mortgage and my property taxes were never late until my mortgage was bought out by another company. I went to the tax office to pay my quarterly taxes and they said that they had already paid them., to my surprise ... They told me the new mortgage company paid the quarter in full. I called them and they said that I must have an escrow account. They did not give me a choice. This is their rules, like it or not. Prior to this they never contacted me about such a change. Now my mortgage went from {$580.00} to {$1500.00}. My taxes for 2015 are {$9400.00} a year. 
My payment now went up {$940.00} instantly. I tried to explain my situation to them, that I get social security and a pension check monthly totaling {$1700.00} monthly. I also have XXXX part time jobs that pay $ XXXX.per month and the other {$1000.00} per month. When its all said and done I have {$1500.00} per month to pay all my house bills, food, car expense, insurances. You know that its not enough. At this point, I 'm looking for another job. 
After doing some research, I found out that if your home has 20 % or more equity into the home you own, it is against the law in New Jersey to force an escrow account on somebody. Also XXXX years ago, at the time of my closing, they asked me if I wanted an escrow account or wanted to pay my taxes on my own. I opted to pay directly to the tax office. In the state of New Jersey it is against the law to change it on me without my permission. I feel that I have been bullied into this. My credit score before this happened was over XXXX points. I 'm now afraid to look to see what it is now. Because I have other medical and dental bills I am paying off. I am very short on money. In the last 5 years I had to take a loan out for {$15000.00} for dental bills. I have since put my home up for sale because of this. What do you think I can do. These people said that if I do n't pay this bill, I will go into foreclosure. What can I do?
Product: Debt collection

I contacted NCB management regarding the account that XXXX XXXX XXXX sold to them. When speaking to the supervisor, I asked for documentation validating the debt and also why they are not accepting any payments to alleviate the debt or get the debt removed. The agent told me that they can not provide me with information that I have to contact my state representative. Being that I didnt get this information Im not able to Understand what is happening with this account and why its still reporting on my report if they do not want any business with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account or accounts listed below are reporting delinquencies which are inaccurate. The Creditor failed to make corrections within the time frame the payment was made. I have made several attempts to get the inaccurately reported late payments Deleted or Removed. 

XXXX XXXX Experian XXXX Account # : XXXX -- XXXX High Balance : {$120000.00} -- {$120000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- XX/XX/XXXX Date Reported : XX/XX/XXXX -- XX/XX/XXXX Date Opened : XX/XX/XXXX -- XX/XX/XXXX Balance Owed : {$0.00} -- {$0.00} Closed Date : XXXX -- -- Account Rating : Closed -- Paid Account Description : Individual -- Individual Dispute Status : Account not disputed -- Account not disputed Creditor Type : Bank -- Mortgage Companies Account Status : Closed -- Closed Payment Status : Late 60 Days -- Late 60 Days Creditor Remarks : Closed -- Closed or paid account/zero balance Real Estate Mortgage Payment Amount XXXX {$0.00} XXXX {$0.00} Last Payment : XX/XX/XXXX -- XX/XX/XXXX Term Length : XXXX ( XXXX ) -- XXXX ( XXXX ) Past Due Amount : {$0.00} -- {$0.00} Account Type : FHA real estate mortgage -- Real estate mortgage Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- Two-Year payment history XXXX Experian NONE REPORTED XXXX Days Late - 7 Year History XXXX Experian XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : -- XXXX : -- XXXX : -- XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} {$410.00} {$800.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Finance/Personal Credit Card - Dept. Store Sales Financing Account Status : Closed Closed Closed Payment Status : Current Current Current Creditor Remarks : Canceled by credit grantor Account has been closed due to inactivity. 
Closed or paid account/zero balance Charge Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Charge account Charge account Charge account Payment Frequency : -- -- -- Credit Limit : {$800.00} {$800.00} -- Two-Year payment history XXXX Experian XXXX Days Late - 7 Year History XXXX Experian XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX
Product: Debt collection

Santander Bank has called over 30 times, even after I called them. The number calling me is XXXX..My phone is XXXX,,
Product: Credit reporting, credit repair services, or other personal consumer reports

on the following dates, someone used my social security number to attempt to to obtain accounts in my name. There were no accounts opened that I am aware of, but these inquiries were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just learned about theseu inquiries on XX/XX/XXXX when I checked my credit because I wanted to purchase my first vehicle.
Product: Debt collection

XX/XX/2019 I went for complimentary visit to XXXX XXXX XXXX in XXXX, Florida. I decided against treatment and am now receiving bills from CareCredit ( Synchrony Bank ). 

I called CareCredit on XXXX XXXX. They told me they will file a fraud claim investigation. 

Bottom line, I was told that this was a Complimentary Visit. And was told nothing about CareCredit. I did not apply for a CareCredit card. I dont have this kind of card.
Product: Student loan

Mohela has been a nightmare to deal with. First, they never notified me about the fact that I can request a refund for the payments that I have been making during COVID and then told me that I missed a deadline to request that and there was no way for me to do so now. Mohela, how am I supposed to know about a deadline to request something when you never notify me? 
Additionally, I recertified for IDR a couple of months ago to ensure I did it before the deadline. This, in turned, increased my loan amount to be repaid 2.5 times. Right before that deadline, Mohela decided that we do not need to recertify this year and can keep old payment. Well, since I actually recertified on time, Mohela is now making me pay the higher amount since " already did it. ''
Product: Credit card or prepaid card

On or about XX/XX/2020 I submitted vis my US Bank Relia card a Bill Pay in the amount of {$2000.00} ( XXXX XXXX dollars ). This payment was NOT received by payee. I did a phone inquiry to US Bank on or about XX/XX/2020 was told to wait 5-7 days and it would be back in my account. As of today it has not been returned. I called US Bank again spoke with XXXX who said he would tell his supervisor and it would be handled. He stated that he didn't see reference to my prior call. I am filing written complaint as their customer service lacks credibility an I don't think it will be handled. 

Also another concern, Thank God I didn't ( back when I received funds ) need to use them right away so there was over XXXX ( XXXX XXXX ) in my account when I received a NON Fraud overpayment notice ... .I needed to return XXXX & XXXX to department of labor & PAU ... .I thought I could just send bill pay to these agencies. However, after inquiring at US Bank..I was told NO ... .I had to withdraw maximum of XXXX daily and pay fees!!! until I get the needed funds ... they also have a cap on transfers and bill pay ... .If this is MY money ... how by law can I not withdraw and repay Govt??????? Thank You
Product: Debt collection

Good afternoon, Credit Collection Services have derogatory information on my XXXX Credit Report. They are stating I owe them {$67.00}. I do not owe them any money. I never sign any contract with Credit Collection Services. They are stating it is from XXXX. I have medical insurance that I use when I go to the doctor. Therefore, I do not owe them any money. I have medical insurance which covers all of my doctors visit and lab work. 
File # XXXX Phone # XXXX.
Product: Credit card

Account PLATINUM CARD XXXX Transaction Date XXXX/XXXX/2016 Posting Date XXXX/XXXX/2016 Description CASH ADVANCE FEE & lt ; REFERENCE XXXX & gt ; Amount {$52.00} Company 's website will not allow consumer to dispute fees and also refuses to remove fees from phone call as well. Attached form shows that the website errors out and does not even allow consumers to even raise a concern effectively blocking them from a dispute of a charge.
Product: Checking or savings account

Good morning. I deposited a payroll check into my Wells Fargo using the ATM deposit service on XXXX XXXX and received a receipt stating that the funds would be available on XXXX XXXX. The check was in the amount of {$3800.00} with {$400.00} made available immediately. 

This morning ( XXXX XXXX ), I checked my account to find that Wells Fargo has now placed a 7-day hold on my payroll check. I called the customer service number and I was told that the check could not be verified and the hold would be placed until the funds could be verified. I asked multiple customer service representatives to call the XXXX number on the front of the check to perform the verification of funds and the Wells Fargo representatives stated that they could not do this. 

The verification number is provided for this exact purpose and the check was from my employer XXXX via XXXX XXXX XXXX and the check was drawn from XXXX XXXX XXXX, another large financial institution. My employer did make a {$400.00} direct deposit on XXXX XXXX to the same Wells Fargo account. I brought this to their attention in the hopes that they would make the effort to verify the check and release my funds but they refused. 

I am not unable to access any of my funds due to this hold. I am unable to pay bills, buy groceries, and provide necessary resources for my family for a week. Based on the documented information that I received on my deposit receipt, I scheduled payments with multiple creditors based on the funds availability date of XXXX XXXX. These payments will be returned as non-sufficient funds by Wells Fargo due to the hold placed on my payroll check. 

In my opinion, this is fraudulent activity and practices by Wells Fargo. Information was provided at the time of the deposit, payments were scheduled, they place a hold on the deposited check, and then I incur NSF fees which is profit for Wells Fargo. In the meantime, I am unable to use my hard earned funds. 

A representative at Wells Fargo could easily pick the phone and verify this check. It was explained to me that the check did not pass their automatic verification. I request a manual verification because of the hold and they refused without a valid explanation. 

I am requesting that someone from Wells Fargo answer for this procedure and provide a valid justification for a 7-day hold on a payroll check from XXXX that is drawn from XXXX XXXX XXXX. 

A copy of the ATM deposit receipt is attached. It shows the funds availability date and also an image of the deposited check plainly showing the check verification phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint Transunion has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me XXXX XXXX. I have requested Transunion to verify/remove 3 bankruptcies for reflecting on my report and they have not done so. Despite my efforts to resolve this situation for several months now, Transunion has completely ignored my communications and legal submissions to remove this unverifable/inaccurate information from my credit report.This company 's unprofessional & negligent behavior has caused lots of serious harm for me to establish credit and misrepresenting my character.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.

LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BRCLYSBANKDE XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX XX/XX/XXXX ; XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX  AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX