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

The company has responded however the correct action has not been taken pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

Please see the attached documentation sent by XXXX XXXX showing a XXXX balance as of XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with Experian on removing a collection that should not even be on my credit. I had identity theft back in 2016, I filed a police report & I even called the credit bye to to freeze my credit. 
The collection went through anyways & seems to always pop back up when I dispute this matter on my own. 
I decided to give Experian a call to help me out. They filed the dispute. I also sent off my document which obtained the police report with all the information they needed. 
I received an email stating I sent a false document & that the information that is on the police report was not on the document. This was a legal document, with the police report & the case number. Obviously Experian just wanted to move along to another case & not look into my case because if this company did they would have removed this & also would have known that this in fact was a real document. I do not appreciate that I was threatened with criminal penalties, & I do not appreciate I was called a liar buy this company. 
I would like to take further action since no one is giving me any information other than a fry were looking into it the same way they would like all of my personal information after what Ive been through, I would like a little more from them!
Product: Credit card

On XX/XX/24 I was notified that there may be 3 fraudulent charges on my Fidelity Visa ( through Elan Financial Services ) credit card. When reviewing the 3 flagged charges, I determined that they were indeed not purchases that I had made. I contacted the Fraud department as instructed and answered their questions. They sent me a new Credit Card. The charges were temporarily reversed, but a few weeks later they were added back onto my statement. 

Their reasoning was that they " verified that you received benefit from the transaction by either receiving services and/or merchandise from the merchants. '' When I called in and asked for details about this decision, I was told that the charges were made using the card 's chip function, and since the card was still in my possession/not stolen, they concluded the charges were valid. I'm not sure how a chip-function charge can be faked, but I 100 % with zero doubt was not present when these purchases were made, and I had the card in my possession at all times.

I remember the day I received the notification of the fraudulent charges, as I had just used the credit card at my local XXXX XXXX and XXXX XXXX  stores before being notified of 3 other charges that I hadn't made, and I assumed someone must have gotten my card details somehow. When reviewing the specific charges, I discovered they were made at an XXXX XXXX in XXXX, NY ( XXXX hours XXXX  of me ) which I certainly did not visit at any point in time, that day ( XX/XX/24 ) or in the past. 

The 3 charges were : {$290.00}, {$190.00}, and {$330.00} all on XX/XX/24 at " XXXX XXXX XXXX XXXX, XXXX NY ''
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  CT XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XX/XX/2022.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report that there are falsely placed information in my account. I already sent messages to the bureaus months ago but they did not do anything to remove and correct the false information in my credit. I attached the letter with the accounts written to this report i am making.
Product: Mortgage

You previously closed this investigation because this mortgage company simply said they needed " more '' paperwork. This is unacceptable! They are requiring paperwork from a subcontractor that DID NOT WORK on the property. The attorney I contacted said that is absurd NO contractor will sign a waiver of lien on something they didn't work on. He said this mortgage co wants this lien for " other '' reasons. Like to hide money and do fraudulent things. The attorney stated that this company is in the top three mortgage companies on the list of having " bad faith '' practices. Apparently you did not even look into my case? Now Shellpoint / NewRez Mortgage are sending me on yet another wild goose chase trying to obtain another waiver of lien from my county court house. I have spent numerous hours trying to obtain this document that nobody has heard of. I have called the Clerk of Courts. The County Commissioners office. The Administration offices. The County Recorders office and the Treasurer of State 's office. I have even reached out to XXXX XXXX and XXXX XXXX XXXX for an answer. If this lien document they are wanting exists NOBODY HAS IT!! I ; m not going away I will pursue this until I die or they kill me due to having medical issues. There is a disabled person whom I take care of residing in the home and NOBODY seems to care that this company takes advantage of the disabled, women, and everyone else. They need to be shut down! There should be a class action suit against them from every single person they have taken advantage of. Look at the reviews online about just this one company and YOU say you investigated my claim. Just because they say they need more documents you just accepted that and closed it. The documents they want DO NOT EXIST!!!!!!!!!! Who else can I contact besides CFPB that will actually take this matter seriously and not just blow it off because they dont want to do their jobs? Who is above you? The news and media is my next stop. I Have attached just a few of the correspondence emails between me and them just so you can see what they are putting me through. And who doesn't ALLOW you to speak to a supervisor or someone in charge. Their reply to me per the email dated XX/XX/year> please read it!
Product: Checking or savings account

I am filing a formal complaint against Navy Federal Credit Union concerning multiple overdraft fees that I have incurred. Despite having sufficient funds in my account at the time when transactions were authorized, I was charged overdraft fees due to the lagged posting of charges and credits. 

This issue appears to align with the recent findings from the Consumer Financial Protection Bureau ( CFPB ), which highlighted similar practices by Navy Federal. These practices involve transactions being settled against insufficient balances, despite the fact that funds were initially available when the transactions were authorized. 

I believe these practices are unfair and detrimental to account holders, and I respectfully request an investigation into my account and these practices. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

I have disputed this as fraud with company that appears on credit report. The debt keeps reappearing under another company with same amount
Product: Debt collection

Harassed me. Called me multiple times. Said it was going to affect my credit so i wouldnt be able to purchase anything.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX ( XXXX XXXX XXXX Citibank XXXX regarding account # XXXX for inaccurate and harmful reporting. Although the account is marked as 'Current / Terms Met ' and 'In Good Standing, ' it falsely reports '0 % of payments made on time ' and two 30-day late paymentsone in XX/XX/XXXX and one in XX/XX/XXXX. This is contradictory, misleading, and materially false. Additionally, the report lists 'Worst Payment Status : Unknown, ' which is both inaccurate and noncompliant with federal law. I formally disputed the account in XX/XX/XXXX, and it remained unchanged despite obvious errors. 
TILA Challenge and 21-Day Notice Requirement Under the Truth in Lending Act ( TILA ), Section 1637 ( b ), a creditor must provide a periodic billing statement that is clear and mailed or delivered at least 21 days before the payment due date. If such a statement is not properly delivered, a reported late payment may be invalid and unlawful. Despite disputing the XX/XX/XXXX and XX/XX/XXXX late payments, they were verified without any evidence or disclosure of compliance with this requirement. I was never shown proof that Citibank/THD mailed or delivered these billing statements 21 days in advance. Therefore, I am demanding that these late payments be immediately deleted under TILA 1637 ( b ) and FCRA compliance, as they are unsupported and harmful.

Violations of Law 1. FCRA 1681e ( b ) Inaccurate and contradictory reporting : '0 % on-time ' despite the account being listed as current.

2. FCRA 1681s-2 ( a ) False payment history and worst status representation.

3. FCRA 1681i ( a ) ( 5 ) Failure to correct or delete inaccurate information after reinvestigation.

4. FCRA 605B Failure to block false data after receiving sworn affidavit and supporting documentation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I requested additional information in regards to the collection but no information has been provided from the debt collection agency.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX
Product: Mortgage

Ditech 's Escrow accounting errors and lack of willingness for reconciliation Ditech 's inept accounting system in XXXX was unable to properly process Escrow payments. Two XXXX acct escrow payments were misapplied. Unfortunately Ditech has been unable, or unwilling to remedy the problems. To document Ditech 's error prone accounting system : A. My auto pay mortgage is sent to Ditech Financial LLC XXXX, XXXX, XXXX However, my Escrow Payments are sent to the Escrow Department : Ditech Financial XXXX. XXXX B. Ditech 's inadequate accounting system was unable to decipher an escrow payment from a mortgage payment and misapplied the escrow funds. Ditech account reconciliation sheets are available. 
1. NOTE A - XX/XX/XXXX Escrow payment of {$2100.00} was misapplied to {$1100.00} ( A1 ) principal Unapplied funds, and {$1100.00} ( A2 ) to mortgage unapplied funds rather than escrow. See attached reconciliation sheet 2. NOTE B XX/XX/XXXX Escrow payment of {$2100.00} was again misapplied to principal Un-applied funds {$1100.00} ( B1 ), and XXXX ( B2 ) to mortgage un-applied funds rather than escrow. See attached reconciliation sheet 3. At least four Ditech representatives documented Ditech 's faulty allocation of escrow funds. These representatives included, XXXX, extension XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX. My misappropriated funds were then assigned to my next mortgage payments while putting my Escrow account into delinquency. 
A. Ditech 's extremely poor customer service then created another set of problems. I tried numerous times for resolution. I contacted a minimum of fifteen Ditech representatives virtually all stated they agreed with the genesis of the problem and would get it rectified. Promised call backs after they researched the resolution were non-existent -included XXXX XXXX Ext XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX- XXXX plus others. Zero returned calls from voice mail messages, and none of my calls answered. 
B. On XX/XX/XXXX supervisor XXXX- XXXX volunteered that Ditech would totally rebuild the account to provide funds into the correct sequence and account locations. See claimed to be the one who could rectify the problems. I agreed to make two payments which she was going to monitor to make sure they did n't drop into the " black hole again ''. On XX/XX/XXXX two payments ( {$2600.00} & {$4600.00} ) were received by Ditech.. XXXX promised to call when the funds were received and properly distributed and to call when she received my documenting fax - no calls, wo n't answer her phone See attached documenting fax. 
C. As of XX/XX/XXXX, no returned calls from XXXX after 6 messages. Conclusion and reconciliation : 1. Had the payments sent to the correct Escrow office been applied to my Escrow account, we would not be having this disaster. 
2. Had XXXX - extension XXXX - followed through on her promises to call and return calls, we probably would have already properly remedied this account. 
3. This is very simple math, match the amount owed for both mortgage and escrow to amounts already paid for mortgage and escrow. 
4. Expunge any and all record deficiencies from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX XXXX XXXX credit card account listed on my Trans Union, XXXX and XXXX credit report is lost/stolen and has numerous fraudulent charges on the following Visa   Signature credit card : # XXXX, My card is lost/stolen and has fraudulent charges/transactions on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries that are on my report that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I do not know who this company is. I have never used this company and I do not owe this company anything whatsoever
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to remove the Bankruptcies and under negative accounts that are wrongly placed in my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 


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
Product: Vehicle loan or lease

Opened auto loan with Wells Fargo ( WF ) XX/XX/XXXX, established an on-line account with WellsFargo.Com. Entered my XXXX XXXX XXXX  checking account information and paid on-line monthly from XXXX 's with no issue until XX/XX/XXXX. On XX/XX/XXXXXXXX XXXX  when I tried to make on-line payment for XX/XX/XXXX I was alerted that I had to enter my non-Wells Fargo Bank account information ( even though I had been using my XXXX XXXX account since XX/XX/XXXX ) in order to make a payment. I re-entered my XXXX 's account info and tried to make a payment. I received an alert that there was an issue with my account and my payment was not accepted. I called Wells Fargo that day and they said I would receive an e-mail verifying my XXXX XXXX account and then I could make a payment. I never received the verifying email. I called and WF told me it could take a few days. I still did not receive email in 3 days. I called again and WF said for me to re-enter my XXXX 's account info again. I did so on XXXX. I still did not ever receive a verifying email. On XXXX I called and had to make a payment over the phone. When I did so my XXXX 's account info was on file and they asked did I want to use that account. I said yes. On XX/XX/XXXX I received a letter confirming my XXXX payment and alerting me that if I wanted to cancel I must do so on XXXX before XXXX XXXX 

On XX/XX/XXXX when I tried to make my XXXX XXXX  payment I had the exact same problem even though I repeatedly entered my non-WF bank account info. I had to pay by phone again and on XX/XX/XXXX XXXX XXXX  also received a confirming letter saying I must cancel payment, if I wanted to, by XXXX 

# 1. Wells Fargo, after XXXX XXXX years, arbitrarily changed my ability to use my non-WF bank account to make an on-line monthly payment. 
# 2. WF never approved my numerous times to follow their instructions on verifying the use of my non-WF bank account to make an on-line payment. Even though they had my XXXX 's bank information on file. 
# 3. WF has made it extremely inconvenient to pay my auto loan monthly if I am not using a WF bank account. It's like they are trying to force me to open a checking account with them. 
# 4. WF forces me to make a phone payment even though they have my XXXX 's account info on file. WF sends a confirmation of phone payment and alert that cancellation of that payment must occur on the day of payment. That letter is not received until 4 days after the phone payment. Cancellation info is not given at time of phone payment.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses and failed adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.