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

Wells Fargo obtained 3 unauthorized credit inquirys that shows up on my credit report, dated in XXXX, XXXX, and XX/XX/2019. 

The inquirys shows up as XXXX XXXX. I have never applied for any credit or loans through Wells Fargo, especially not for education.
Product: Debt collection

I have yet to receive validation on this account. Enough time has gone by. I have requested this several times. I feel the information is not accurate, I do not owe the amount stated and this account is outdated. The last time I requested a very nasty collector called me. It was not a good call. I have rights to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sweep Regular I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take the following items away : XXXX XXXX XXXX XXXX, IL XXXX XXXX IL XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX IN CO ) XXXX Balance : {$410.00} XXXXXXXX XXXX XXXXXX/XX/2021 XXXX XXXXXX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CAXXXX XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$460.00}
Product: Credit card

JP Morgan Chase XXXX XXXX ending in XXXX total points of XXXX for statement closing date XX/XX/XXXX - XX/XX/XXXX was not transferred to my XXXX account number again. 

Please see CFPB complaint XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 card or prepaid card

Back in XX/XX/XXXX, when I managed a charity online utilizing several online seller platforms such as XXXX and XXXX for a non-profit company, XXXX XXXX XXXX XXXX XXXX ( XXXX ), we created an XXXX seller account using my personal credit card. During the active online selling, XXXX unilaterally remove our selling privileges on XX/XX/XXXX and blocked us to log onto our account. While we were asking for the reason for their decision to block our account, as my last day of work XXXX XX/XX/XXXX XXXX for the XXXX was approaching, from XX/XX/XXXX XXXX and my colleague sent daily email to XXXX to remove my personal credit card on file and call us to update the financial data as XXXX did not allow us to log on and update the information. We sent daily reminder emails to XXXX, but did not receive any response until I left XXXX on XX/XX/XXXX ( see the attached email chain ). When I saw $ XXXX pending charge on my credit card on XX/XX/XXXX, I knew that XXXX failed to remove my personal credit card information, so I contacted XXXX  if they received any response from XXXX and reason for the charge, and my former colleague forwarded the enclosed email chain explaining that they still had not yet received any responses from XXXX. They couldn't even check the balance, couldn't even know the reason for the account block. So I contacted immediately Chase about this $ XXXX unauthorized charge on my credit card on XX/XX/XXXX, and customer service told me to wait until the charge was posted to dispute the charge. So on XX/XX/XXXX, I saw the pending $ XXXX charge eventually posted on my credit card, so I contacted Chase customer claim department to explain the situation and asked to send all supporting document _ So I faxed the enclosed signed letter with the email chain, but Chase resolved the issue indicating that they closed the dispute because I had received the service ( please see enclosed letter from Chase as well ). My main reason for dispute was the unauthorized charge because of my many attempts to remove my personal credit card on the XXXX account.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX  XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXXXXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting

I am writing in regards 'default ' judgment against me back in 2008. XXXX XXXX XXXX purchased old debt, which the original creditor filed bankruptcy on. When they tried to collect the money from me, the violated many of my consumer rights and have sense been reported ( and corrected by ) to the Federal Trade Commissioner. Had my rights not been violated and I understood what was happening, they never would have won the case. 
I am writing to see if you would consider removing the judgment from my credit report. It has been satisfied and scheduled to be removed in 5 months anyway. XXXX was removed the judgment without my request due to the violations, I believe. I am wondering if you would consider doing the same?
Product: Debt collection

Someone has changed my debt amount XXXX. I have my case number your website is new ... ..the old website gave me a case number XXXX. I was just searching around to see if you might have information on what happened and what the loan amount was showing at the time of the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request this account be removed and fair investigation of my consumer profile. By reporting this account Experian is guilty of defamation of character and civilly liable. Thursday XX/XX/XXXX morning I spoke with XXXX a representative with Experian and brought to her attention several errors reporting by Experian on my personal credit report. She acknowledged verbally that my previous letter was received on XX/XX/XXXX and that a dispute was closed and a response was sent to me on XX/XX/XXXX. XXXX informed me that my attachments to my disputes were not uploaded into the Experian system and that the decision by Experian was to continue to report inaccurate, invalid, inconsistent information that is defaming my personal consumer report. 
- XX/XX/XXXX XXXX with XXXX XXXX XXXX confirms that she had received the death certificate for XXXX XXXX. 
- Experian is guilty of Truncation as it pertains to negligent and willful noncompliance with XXXX XXXX XXXX- This account is not a joint account, the vehicle loan was solely supposed to be in the name of XXXX XXXX. Please note XXXX XXXX is deceased AND her death certificate was previously sent to Experian. Experian is negligent in this right in regards to inaccuracies. 
- The account is reporting Auto Loan opened XX/XX/XXXX, there is no data/payment history reporting on this account from XX/XX/XXXX XX/XX/XXXX. That is two years of no history reporting. The first reporting date shows a 60 day late payment but no previous history to support this. 
- The status of the account is showing Charge-Off and the account reflects a monetary balance which is a contraindication of the definition of charge off. 
I am demanding that Experian remove this account as it has reported inaccurately and caused lenders to view me in a negative light. If this account is not deleted within 5 business days I will be seeking monetary/civil damages for defamation and negligence in Experian reporting practices. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy - ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION - ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) - promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and - ( ii ) - promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Documents are attached.
Product: Debt collection

I had written a check 2 months prior to it being processed, I had forgotten about it when I saw that it had posted and I was a few dollars short in my account I ran to the bank and made a cash deposit. 
Date : XX/XX/year> Fee Withdrawal DRAFT # XXXX - NSF Fee-Check Add a category - {$30.00} {$11.00} Unfortunately it had already been returned. I thought it would be run thru again so I left the money in the account to cover it. Even more unfortunately CheckRedi got the check a couple weeks later. never contacted me regarding the check and electronically took the funds from my account with a separate transaction for a {$35.00} fee which I did not have the funds for in the account so I had a NSF fee of {$30.00} as well they then proceeded to try again to withdraw their fee costing me another {$30.00}. 

DATE DESCRIPTION AMOUNT BALANCE Date : XX/XX/year> Fee Withdrawal COMPANY : CHECKREDI ( XXXX  XXXX  : RETURN FEE CALL XXXX C- NSF Fee-ACH Add a category Dispute- Never Authorized this charge - {$30.00} - {$52.00} Date : XX/XX/year> Fee Withdrawal COMPANY : CHECKREDI ( XXXX XXXX : RETURN FEE CALL XXXX - NSF Fee-ACH Add a category Dispute- Never Authorized this charge - {$30.00} - {$22.00} Date : XX/XX/year> Fee Withdrawal COMPANY : CHECKREDI ( XXXX XXXX  : RETURN FEE CALL XXXX - NSF Fee-ACH Erroneous Charges Dispute- Never Authorized this charge - {$30.00} {$2.00} Date : XX/XX/year> ACH Withdrawal DRAFT # XXXX COMPANY : CHECKREDI ( XXXX XXXX : XXXX  CALL XXXX Education - {$230.00} {$32.00} I contacted my bank to research what this was all about and received the information to call ChekRedi..I had called CheckRedi to see who they were and what this was all about, when I stated I never gave them permission to access my account they threatened my ability to write checks for my bills if I did no pay there fee, I informed them again they never had permission to retrieve funds from my account that they had never contacted me prior to doing so, by phone or mail. and that I would be pursuing legal action. I informed my bank that I never gave permission for CheckRedi to access my account or any permission for electronic transactions, My bank refunded the over draft fees, Thankfully, because CheckRedi had fraudulently received the funds from my account. Now CheckRedi is still hounding me every day, sometimes multiple times a da, even after they have been told I work over nights and am asleep during the early day. they are calling without any validity to their actions to get me to pay their fee Is there any thing I can legally do to stop them, and deny their alleged fee?
Product: Credit card or prepaid card

My credit card bill was not sent to my house for several months ; when it was the numbers on my credit card did not match the numbers on my credit card bill. Payments were deducted from my checking account, then they were not credited to the credit card bill.
Product: Mortgage

It is too long of a story. Suffice to say that XXXX bank took 7 months processing our modification request for an non-owner mortgage modification then denied us in XXXX XXXX because the house was not owner-occupied though we applied under the rules for a non-owner occupied. 

We reapplied using XXXX XXXX ... cost of {$2500.00} after spending {$400.00} from a lawyer whor recommended their free service..from XXXX Washington in XXXX XXXX, who submitted a XXXX plus page modification package XXXX/XXXX/XXXX. But XXXX did not tell Northwest Trustee Services to postpone the sale that was scheduled in XXXX for Friday, XXXX XXXX. Nor did XXXX inform NWTS that they had received a modification package. XXXX then received update document XXXX/XXXX/XXXX. Yet instead of informing NWTS to postpone the sale, they transferred the loan to XXXX in late XXXX. XXXX nor XXXX sent us a letter 30 days in advance of this transfer as required. Now XXXX will not inform NWTS of the modification papers. And NWTS knows of the modification papers because they have responded to parkview services acknowledging the prior XXXX file XXXX and now the new file under XXXX XXXX. But they have not postpone the sale date, as required by law. 

Unless something occurs according to what NWTS and XXXX must do according to law, I will need to to file under bankruptcy protection laws to protect my asset. {$2000.00}
Product: Payday loan, title loan, or personal loan

Self.inc is a scam when its time to pay you your payout they start to give you a hard time to receive all the money youve been paying them thinking your saving your money and building your credit but no there just stealing your money and reporting your own time payments. I have had this account for over a year my payout was almost done but things took. A a scary turn when I decided to close my account early and receive my payout. Everything went smooth with closing the account and was told I would receive a payout in 14-15 days. As time went on I was supposed to receive a payout instead I got an email to verify my personal information that they had on file since I opened the account. They tried to use this as a reason to deny me my payout. Instead of them just returning the money to the same account I made the payments from they decided to try and find away to not issue my payment. I talked with the company and they pretty much said they have no time frame now for me to receive my money. Which is mine blowing because I never had a problem paying them my money and they was taking it but now I want it back and it seems impossible. They even closed the account out already which is making a negative report on my credit report but that sucks because now they messed up my credit and wont give me my money back that they promise to you in the beginning of the loan and secured card account
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered of this account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax credit bureau in regards to a repossession account with XXXX XXXX XXXX XXXX XXXX. I cited - XXXX. EFFECT OF ERRORS OR OMISSIONS. I have older credit reports that I can provide to prove that this account has been reporting incorrectly. I have submitted them to Equifax on more than one occasion. Which lead to Equifax updating the tradelines but now with changing the original date of deficiency, causing this tradeline to remain on my credit reports for longer than it should. It is the responsibility of Equifax to report factual, and actual instances on my credit reports. Therefore they are in violation of my rights. This is not my first complaint with the CFPB, the last one did not merit any results. It only repeated what I said about having incorrect reporting on my reports.
Product: Debt collection

Dear XXXX XXXX XXXX XXXX XXXX, I respectfully disagree with the conclusions of your investigation. There are several points I would like to address : 1. **Account Statements** : While you have provided a copy of the last credit statement, I am requesting a fully itemized receipt of all charges, interest, fees, and payments made on the account. This level of detail is necessary for me to verify the accuracy of the balance you claim is owed. 

2. **Discrepancy in Account Dates** : There seems to be a discrepancy regarding the dates associated with this account. In your response, you mentioned that the account was opened on XX/XX/XXXX, and that the last payment was made on XX/XX/XXXX. However, you also stated that the account was purchased on XX/XX/XXXX. This timeline is confusing, particularly as you suggest that the account went delinquent in XX/XX/XXXX but was not charged off until XX/XX/XXXX. Clarification and additional documentation on these dates are needed. 

3. **Validation of Debt** : According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a thorough validation of the debt. This includes all relevant details, such as a breakdown of the interest accrued, any fees applied, and the specific transactions that led to the current balance. The information provided thus far does not satisfy this requirement. 

Please provide the requested detailed itemization of all charges, interest, fees, and payments, as well as a clear explanation and documentation of the timeline of the account, including the date it was allegedly opened, when it became delinquent, and when it was charged off and transferred to your company. 

I am looking forward to a prompt resolution of these issues. If you need further information from my end, please do not hesitate to contact me. 

Thank you for your attention to this matter.
Product: Credit card

Synchrony Financial bank locked my account and requires an impossible phone call to regain access. I am in XXXX so international phone calls are impossible and would not be secure. This problem caused me to miss a payment, which hurt my credit and caused me to owe a lot of money. I was at zero interest and a late payment makes it go up to around the maximum. I was able to contact the company, and they told me to XXXX and now ignore me. Here is a quote : " You have no phone so please call this number. '' The bank called me three times, but we can not communicate because XXXX has phone problems - I ca n't hear the bank when I receive a call. I told the company about the phone issue - they are too stupid to understand. The bank stopped communicating. I have tried to contact the bank everyday for almost a month - they no longer reply.
Product: Debt collection

This is a collection for something that I never agreed to and is not mine. It has damaged my credit score immensley and affected my ability to get a home loan.