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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality has violated my rights. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 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 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. I WOULD LIKE THESE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY REPORT IMMEDIATELY
Product: Checking or savings account

Hello, I am contacting you today regarding a fraudulent matter that began in XX/XX/XXXX within the Wells Fargo XXXX, Pennsylvania branch. I am providing the following information to help clarify the present circumstances. 

My husband and I are divorcing. He is the account holder at Wells Fargo. I have my personal and business accounts with XXXX XXXX. We did have a joint personal checking at XXXX XXXX  which was closed in XXXX after he removed all of the funds leaving me with our XXXX children at home, XXXX newborn in the XXXX and {$200.00} after my filing for a Protection From XXXX  Order and for divorce. We ultimately decided to try working on our marriage and in the process I chose not to reopen a joint account with him during this time. All of our monthly expenses as well as credit card payments were paid from his accounts, all of the payments being made online by me on our home computer with the exception of two checks for tuition and mortgage. His bank statements will show that these payments were made this way for years. All credit cards were in my name and we used them to purchase everything personally, home related and for both of our businesses. The cards were paid from either of our checking accounts. 

In XX/XX/XXXX he left our marital home where I reside and single parent our XXXX children. There was no contact from him for 4 months after he left the home and in this time I continued to pay our expenses the way we always had paid them knowing we would ultimately have to work that out in court through divorce proceedings. In XX/XX/XXXX, Mr. XXXX and Wells Fargo unauthorized any and ALL payments that I had made from his account to four different credit cards spanning back as far as purchases made in XX/XX/XXXX for our children 's XXXX gifts. The current total of the chargebacks to date is {$130000.00} which includes {$17000.00} in interest and late fees. My credit cards credited back over $ XXXX to my husband 's Wells Fargo account, he then withdrew the funds and closed the account. The credit cards are now coming after me for the funds and include purchases all the way back to XX/XX/XXXX. As my ex husband 's bank statements will show, payments to these credit cards were being made from his account for two different tax years. His bank statements go to his private XXXX. XXXX XXXX to which only he has access. Aside from this, Wells Fargo 's Deposit Statement agreement, page 11, clearly states that this should not have occurred at all let alone as far back as it  did. Someone within Wells Fargo not only completely ignored this policy, but aided my husband in fraud that has destroyed my credit and created undue stress in an already stressful divorce. 

XXXX link to video summary : https : XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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. 

Never Sent the periodic statement along with the disclosures from section XXXX ( 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit from the following XXXX XXXX for a credit card. The main reason is that Equifax stated that I had a credit score that ranged from 250 to high off 900. The XXXX that they are reporting is totally wrong. I have never had a score below 750
Product: Debt collection

I currently owe {$310.00}. They have badgered me with calls all throughout the day, everyday. This account was opened XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT ED {$14000.00} US DEPT ED {$27000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$660.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$190.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) {$910.00} according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k  of this title for failure to comply with a provision of this subchapter.
Product: Credit reporting or other personal consumer reports

Eastern Accounts Systems of Connecticut , Inc has created a faulty account in my name, alleging that I owe them a debt of {$160.00}. According to their claim, they sent me a letter 30 days ago, which I did not respond to. However, I have never received any such letter, nor do I recognize any debt owed to this company. Additionally, they have failed to provide any receipts or proof that I am the rightful owner of this debt, or that they did indeed send the alleged letter. 

To emphasize my stance, I have not made any payments to this company, and I firmly contest the validity of their claim. They have initiated an unauthorized, unverified, and inaccurate request for payment of a debt that does not belong to me. Moreover, Eastern Accounts Systems of Connecticut , Inc has threatened to report derogatory information to my credit report, which is not only unwarranted but a violation of the FCRA ( 15 U.S.C 1681b ). I have never provided consent for this company to report any information to my credit report. Within the letter they sent to me states they have already reported this information to my credit report. 

This situation is particularly troubling as it appears to be a case of identity theft or misuse. I hold Eastern Accounts Systems of Connecticut , Inc accountable for their unauthorized use of my credit and demand that they immediately remove, delete, close, or eradicate any inquiries, accounts, or claims related to this issue from both my credit report and this includes all major credit bureaus such as XXXX, XXXX, XXXX and their business system. 

A certified letter has been mailed to the company today
Product: Credit reporting or other personal consumer reports

I just reveiwed my credit profile for the first time and noticed unathorized inquiries and accounts that do not belong to me. I dont use credit and I am trying to figure out why there is inquriies and accounts that are not mine, this is causing me a lot of stress please help in removing this. I have served the country and its fustrating to go through this. XXXXXXXX XXXX  - XXXX - Not mine 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX - Not mine 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Not mine15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX - 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX- Not Mine 15 U.S. Code 1681b - Permissible purposes of consumer reports INQUIRIES NOT MINE- 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Predatory loan at 25 % APR - $ XXXX balance written off as profit/loss by Santander. Please update each of the XXXX major credit bureaus to reflect XXXX balance. Provide me a 1099-C for debt cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TRansunion credit bureau to validate This account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor..It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$15000.00}
Product: Mortgage

Mr. Cooper abused its right to report late payment against me. 
Details : On XX/XX/2020, my loan was sold to Mr. Cooper by XXXX. Loan number : XXXX. By law I have 60 days grace period to pay my next payment ( that is XX/XX/2020 ), I paid my XX/XX/2020 mortgage on XX/XX/2020, but Mr. Cooper still reported a late payment. 

Furthermore, when I called them at beginning, they would NOT correct this mistake. I checked the rule and clearly told them it was violation of law, they then agreed to correct it. But I didn't get any information after the call, I don't know if they are correcting it or not. 


According to the rule ( XXXX Mortgage servicing transfers ) defined by Consumer Financial Protection Bureau : Payments not considered late. During the 60-day period beginning on the effective date of transfer of the servicing of any mortgage loan, if the transferor servicer ( rather than the transferee servicer that should properly receive payment on the loan ) receives payment on or before the applicable due date ( including any grace period allowed under the mortgage loan instruments ), a payment may not be treated as late for any purpose.
Product: Debt collection

2023 portfolio recovery petitioned XXXX XXXX AL XXXX to grant them a default judgement for an old debt. not only did they not serve me a summons. but they had a server sign court documents stating i received the summons to appear in court. but as i told the court, i have a witness that i did not receive a summons on the day it was supposedly served. Portfolio has harassed me with numerous phone calls, court summons after the default judgement and have disrupted my life. They lied about me owing this debt. i provided paperwork to the court that the merchandise they claim i owe for was returned to the company that sold portfolio this debt. Portfolio continues to harass me, cause me undue stress, disrupting my routine by have to dispute judgments in court and court appearances and have caused me financial strain trying to prove this judgement was gained through deception and lies.
Product: Credit card

We have had numerous problems with this credit card XXXX, XXXX Dividend XXXX. 
1 ) Was offered 0 Percent on new purchases ( very clearly ) and transfers 2 ) Never been able to use miles ( have over XXXX ) but flights are never available 3 ) Had XXXX fraud cases on XXXX different cards sent to my wife, even though they had never never been activated. When case opened, we never get a call back and have to continually call them to get status. We called to let them the first week of XXXX to let them know this was not our purchase which was a recent charge of {$720.00} on XXXX XXXX on a flight from a year ago which makes no sense. We called a few weeks ago because we never got a call back and they had n't opened a case yet or credited our account. 

We have complained several times about the interest charges and was told a year ago it would be corrected, but it never was. Now they are saying they ca n't correct it. 

This bank ( Barclay ) seems incompetent to be offering a credit card to customers.
Product: Payday loan, title loan, or personal loan

I called to get this cleared off, as I don't owe them anything, they JUST keep saying my name isn't on the loan I can't have a copy of it, I called this morning XX/XX/21 and told them I have the paper work that shows the dates are 2 years apart and the house was in XXXX XXXX XXXX name, as I was on a " quit claim '' the House is mine NOT XXXX XXXX XXXX, he took the loan the house was never in his name when the Bank gave him the loan they committed a fraud, she said, XXXX would call me right back, that was at XXXX XXXX, still no calls, and I will be evicted XX/XX/21 if I don't pay {$66000.00}. I don't owe them anything .the, this home is free and clear of debt, I want to stay here. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Wells Fargo Secured Platinum Credit Card in XXXX of XXXX, where I was told that my collateral deposit of {$300.00} was in placed in an interest bearing account. Due to the death of my mother at the time I became overwhelmed with my finances and completely forgot about it. The card fell delinquent and was subsequently closed either in late XXXX or XXXX. Around that same time, I was offered a job in another country and I accepted. 

Upon my return this year ( XXXX ), I ran my credit report to see why I was denied for an application I submitted, and it was then that I realized this debt had never been taken care of and I've had a charge off of {$360.00}. I immediately called Wells Fargo to discuss it. I was told that it's an accumulation of the maxed out amount of the card plus interest before it was closed. This item has remained on my report from XXXX until this day. 

When I was directed to Wells Fargo Card Services to inquire as to why the {$300.00} collateral was never applied, I could not get an answer. It appears as though my deposit has vanished. On three separate occasions I have spoken to three separate representatives, all very nice, but all they can do is " escalate the issue and look into it with management. '' I have not received an answer as to why the collateral was never applied. I opened a case with the bank 's Executive Branch today and was told it would be looked into by a Case Manager. XXXX XXXX # : XXXX ) I have also disputed this particular item with XXXX  and XXXX  but there has been no resolution - they simply " update '' the account which continues to report that I owe {$360.00} on a charge off. 

I would like for Wells Fargo to apply my {$300.00} collateral and update all 3 bureaus accordingly. Any amount beyond that I will gladly pay to return to good-standing and have it reflected as such on my credit report with all 3 agencies. 

I do not dispute that the debt is mine and I want nothing more than to settle this matter because I do not want to be in debt to any bank. I understand that credit scores can be taken into account by potential landlords, other banks, and employers, and this discrepancy is hindering my ability to get ahead. I do not find it acceptable that any bank is unable to account for a customer 's deposit while continuing to report that same amount as delinquent, subsequently affecting that customer 's standing with the CRA 's, which can be extremely unforgiving. 

Am I missing something? Is this type of practice permitted?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX Account XXXX XXXX Bank of America ( secured credit card ) Account XXXX XXXXXXXX XXXX XXXX XXXX ( secured loan ) Account XXXX XXXXXXXX XXXX XXXX ( secured loan ) Account XXXX XXXX Acct XXXX XXXX, Acct XXXX XXXXXXXX.
Product: Credit reporting

I never lived at XXXX XXXX XXXX XXXX New Hampshire, that was my daughters old address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was o my credit monitoring site and I noticed a fraudulent account that I had no knowledge of I would like for this accounts that I'm gone put in this complaint that I had no knowledge of I would like for this account to be removed off my credit report because its affecting my credit.
Product: Mortgage

In XX/XX/XXXX, I was pre-approved for a jumbo mortgage by Wells Fargo. 

Since then I have built a home. During construction I had a {$650000.00} construction loan and {$150000.00} bridge loan. I have been working with XXXX XXXX from Wells Fargo on getting the mortgage finalized. 

On XX/XX/XXXX XXXX was sent an email stating my intent to use proceeds of the sale of my current home ( " XXXX XXXX '' ) to pay down the bridge loan. 

On XX/XX/XXXX XXXX was sent an email stating that " XXXX XXXX '' sold and would close on XX/XX/XXXX. 

On XX/XX/XXXX XXXX confirmed a rate lock of 2.875 % on the mortgage loan. 

On XX/XX/XXXX We closed on the sale of " XXXX XXXX '' and used {$70000.00} to pay down bridge loan. 

On XX/XX/XXXX XXXX called me and said our loan was declined due to insufficient liquid reserves. 


I feel this constitutes as banking malpractice due to negligence. 

* XXXX was fully aware of my Wells Fargo account balances, XXXX balance and the proceeds of my home, thus XXXX knew we needed the proceeds to be used to cover the reserves requirement. 

* XXXX knew the proceeds of " XXXX XXXX '' were going to pay down the bridge loan * XXXX knew this would mean the proceeds would not be able to meet the reserves requirement, but did not tell us. 

* If XXXX would have told us, we would have not used the proceeds to pay down the bridge loan, and instead kept them in a savings account. This would have allowed us to be approved for the loan. 

* XXXX did not act in a professional manner, or look out for my best interest as a customer.