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

I am requesting documentary proofs ( the hard copies ) providing Equifax my written permission or instructions to furnish the listed negative accounts on my consumer report, which are attached to this complaint. 

Please do not send any debt verification or validation, only provide me with a hard copy of my written permission or instructions ( my written proofs ) for the referenced accounts with Equifax.
Product: Credit card or prepaid card

I received an alert someone tried to open a credit card under my name. I have a freeze against matters like this because it has happened in the past. However there is a hard inquiry under my name that brought my score down
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$78.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Thank you for treating your good customers like XXXX and closing their account after they pay off their balance. I made continuous on-time payments for the entire life of the account, until life brought unexpected challenges. I lost my job and was transitioning into a new one, which caused me to miss one payment. After I tried to get assistance in making payments, I was denied, as my life challenges were not " difficult '' enough for one missed payment. Thankfully, I received help from a friend and was back on track to bringing all of my Synchrony accounts up to date. Until your website glitched and charged my account for the entire balance. Well, at least I was fully paid on one account. My friend assisted me again to make my other accounts current until my new income kicked in, despite this being no problem of theirs. They truly cared about my situation. Though, a company that claims to care and consistently advertises that they will do all they can to help, when in actuality only brought more difficulties, would not be compared to a good friend. They are not even close to a concerned party. In response to being a loyal borrower until circumstances outside of my control caused a single missed payment, their only response was to take more money from me in fees and interest and then close my account after it was erroneously paid in full, as well as my other Synchrony accounts, which were now current. 
In regard to your response in a difficult time, I will be reporting these actions to all consumer report agencies, so that no one else will need to experience this disgusting behavior from a company that will promise help, but not follow through. # ANOTHERGREEDYCORP Thank you for ruining my credit by closing my accounts which were again in good standing, due to the help of a true friend. 
I only thought it fair to send my grievances here, in order for your company to have a fair chance at explaining why they behave in this way.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my Experian credit report. On XX/XX/XXXX, I contacted Experian to report the following errors on my credit report, and to date, I have not received a response. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
The inaccurate information is as follows : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Issue : This account has never been late. Please correct and update this inaccurate information on my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} Issue : This account has never been late. Please correct and update this inaccurate information on my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$18000.00} Issue : This account has never been late. Please correct and update this inaccurate information on my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$900.00} Issue : This account has never been late. Please correct and update this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. I mailed my FTC report and my license to Experian, XXXX, and XXXX. I will be filing a civil suit about fraudulent information reporting on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX XXXX on Experian and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX XXXX XXXX
Product: Checking or savings account

1. Mailed Check for rent.

2. Checked was bleached and a new and new fraudulent name was deposited.

3. Fraudulent check was deposited online that was not detected by chase deposit security 4. Once I was made aware, I immediately contacted chase by phone to advise of the fraud. They assured that I will be reimbursed within 14 days.

5. After 14 days, I inquired of the status of the reimbursement. They stated to call again at the end of the month.

6. Shortly after, I received a letter denying my claim due to " time lapse ''. Please see attached letter.

I attempted multiple times to request correction by phone or in person at chase. They denied due to time lapse. I could not find or have received any terms of agreement of the specified allotted time when claiming reimbursement for a fraudulent check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

I was reviewing my XXXX  credit report today XX/XX/2020 and noticed a collection was added to my report in XX/XX/2020. I have never heard of this company and have never done any business with them. Furthermore, I never received any dunning letters in the mail from this company giving me the right to dispute the validity of this debt which is a violation of my rights. Not being allowed this opportunity prevented me from disputing this inaccurate information before being placed on my credit report. I want this account deleted from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has two charged off closed accounts listed twice - dragging down credit score compared to other agencies and despite disputes and phone calls over three years. Refuse to fix report. You can plainly see these are the same accounts with different open dates to extend the time that it can stay on my report.
Product: Checking or savings account

On multiple occasions and with the previous CFPB complaints, Truist has been requested to provide itemized information related to the fraudulent charges on account XXXX that they are refusing to credit in the amount of {$31000.00} that Truist alleges were outside the 60 days of the statement date. Request that before this complaint is closed that Truist provide the itemized by date of each fraudulent charge, amount of charge and date charge had to be reported to be within 60 days of the statement date for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute all of the information XXXX XXXX has report and for good reason. My latest complaint CFPB Case No : XXXX returned results showing they are reporting false information and targeting me for financial gain. First let me state that XXXX XXXX never sent anything addressed to me about a repossession or sale and as a co-signer I should have been notified. I am attaching what they sent me and would like you to look into their falsifying the papers. First let me start by saying nothing was sent in my name until XX/XX/XXXX after car was sold. The address on first letter is correct but my name they left out the middle XXXX Second letter is a notice of intent of repossession and if you will note date is states XX/XX/XXXX. Address has 4 extra digits and they have XXXX XXXX XXXX next to mine and the street address is being spelled incorrect while falsifying these papers. It also shows Certified mail which I never received or signed for and they refused to provide this evidence. Please read the body of that letter the amounts and dates are not matching what they are saying, Third letter again 4 extra numbers and the address for XXXX is spelled correct but the XXXX was left off. Again they state certified mail and I NEVER signed for that fake letter. Next letter date is XX/XX/XXXX and it to was not signed for and that date would have been 2 months after the so called sale. Next notice on XX/XX/XXXX I got regular mail and that address had a mis-spelling on this response but correct spelling on my physical letter I got in the mail. Then letter dated XX/XX/XXXX has XXXX spelled wrong and not 4 extra digits. Last let me point you to the information in blue it shows XXXX XXXX instead of XXXX XXXX XXXX as the others stated. This company has me in fear of my life as they are reporting false information, destroying my credit and I am XXXX and have nothing yet they are targeting me after the fact of their damage. Again I am attaching their response through you. I need this off my records or I may have to go to court. Forwarding this to XXXX XXXX will allow them to change their papers but I have forwarded it to 3 places and printed one out for my safety and placed in a safe.
Product: Checking or savings account

Trying to get Marcus to get a simple Wire Transfer has taken 2 days and it still hasnt been done. Their agents habitually lie, put you on hold forever and make up excuses that dont even make sense. 

I asked for XXXX wire transfers and it is the end of the day on XXXX they still have not been done. Not only that they can't even tell me what is the status of those wire transfers. On top of that, they can't even find the record of the XXXX wire transfer request This is my XXXX call of the day to these lying degenerates and they have put me on an hour long hold and still can't provide me the status of those transfers. And it is the same story every time you try to withdraw your money from Marcus. They will lie and do everything possible to make it really hard for you to withdraw your money. I have asked them do whatever verification they need to do but they will lie saying that they dont need any more verification and then when you ask to withdraw any money, they will come up with all sort of made up reasons and delay your transfers for days. 

Their verification department is so incompetent that they can't even figure out the right bank to call for verification. Just today they called up some random bank and got me on a XXXX way conference call to verify my details when I had nothing to do with that bank. 

Going by past experience, the worst part is that the person who will respond to this complaint will be a similarly trained in lying to CFPB and will make up some non sense response that won't even address the issues at hand. What else can you expect from the XXXX  bank on earth. 

Their first line of agents are so incompetent, I have just spent an hour and a half with an agent who has no clue how a wire transfer is even done.
Product: Debt collection

On XX/XX/year> my car was declared a total loss in an accident. My insurance company, XXXX XXXX paid off most of my remaining loan balance to my lienholder, Bridgecrest. However, since my car 's value had depreciated, the insurance payout wasn't enough to cover the entire loan. Thankfully, my gap insurance policy with XXXX XXXX kicked in and covered the remaining difference. 

Despite receiving full payment for the loan, Bridgecrest, the company that services my loan, has continued to report inaccurate information to credit bureaus. 

These inaccuracies include : Insurance company payment : {$9500.00} Gap payment : $ remaining balance after insurance payment. 
Bridgecrest has not updated information on the credit bureaus after receiving payment and has continued to report inaccurate loan information in the amount of XXXX This miss in form a is apparenting as if I have more debit to income ratio which isn't correct
Product: Credit reporting or other personal consumer reports

Inquiry : XXXX Inquiry Date : XX/XX/year> This inquiry was conducted without proper authorization from me. As per the Fair Credit Reporting Act ( FCRA ), Section 1681b ( c ) ( 1 ) ( B ), hard inquiries must be based on a permissible purpose and require consumer consent. In this case, no such consent was provided, making these inquiries inaccurate and potentially damaging to the consumer 's creditworthiness. 

Enclosed with this letter are copies of the consumer 's credit reports from your bureau highlighting the disputed inquiries. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA guidelines. Please promptly remove the unauthorized hard inquiry listed above from my credit report maintained by your bureau. Upon completion of your investigation, I kindly request written confirmation of the removal of this inquiry. 

Please ensure that all correspondence related to this dispute is handled in compliance with the FCRA, and that the investigation is completed within the statutory timeframe. 

Should you require any further information or documentation to process this dispute, please do not hesitate to contact me. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I do not have an account with Wells Fargo but wanted to cash a check drawn on that bank. I was in the XXXX, Nevada branch on XX/XX/2020 about XXXX and the teller asked for identification. I gave her my driver 's license and XXXX XXXX XXXX. She wrote my personal ID number from the driver 's license on the back of the check. I told her that she should not be doing this as it is giving my personal information to other people. This is the second time this has happened at this branch. She said it was Wells Fargo policy. Thank you in advance for helping me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX
Product: Mortgage

Recently completed a loan modification with M & T bank. I was made to believe that the modification was for total amount owed on the loan. The deed of trust i signed had no mention of a subordinate 2nd loan which throughout they had failed to disclose. In recent communication M & T bank stated they do not have to disclose to the customer the total debt. So me as a borrower was not informed therefore unable to make a informed decision about the modification and subsequent balloon payment at the end of the loan term.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect Late Payments on my Credit Report. 

XXXX XXXX XXXX  Account # XXXX Late Payment : XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent OFFICIAL NOTICE to TRANSUNION on multiple occasions that the account below is in litigation and should be immediately deleted from my credit profile. I have sent court letterhead documents with case number - XXXX - as evidence. 

TRANSUNION was notified to immediately CEASE reporting the litigated account below on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021. 

*** XXXX XXXX XXXX XXXX This account is in litigation. PLEASE DELETE *** XXXX XXXX XXXX XXXX XXXX XXXX Civil Action NO. XXXX commenced litigation on XX/XX/2021. 

TRANSUNION has refused to delete the account above which is in litigation. 

On XX/XX/2021, at XXXX EST, I was able to call in and get almost 50 min of conversation with Transunion agent XXXX on a recorded line. 

Although Transunion agent XXXX wouldnt give me permission to release OUR recording just yet I collected enough verbal evidence to prove TransUnions willful and negligent noncompliance towards my multiple dispute notices regarding the litigated XXXX account currently reporting on XXXX XXXX credit profile.
Product: Credit reporting or other personal consumer reports

Every time I try to login into my equifax account a pop up message stating we are temporarily unable to complete this request. Issue has been ongoing for about a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX Bank. On XX/XX/2022, my debit card that was on file to make monthly automatic payments was compromised due to suspicious activity. As a result, I was issued a temporary debit card and a permanent debit card from my personal bank within a one-month timespan. Because my automatic payments could not be made with my initial debit card, I received an email from XXXX Bank notifying me to update my payment information. I immediately updated my card information with the temporary card in XXXX and the permanent card in XXXX. XXXX Bank refused to charge my card ( s ) the day I updated my payment information. As a result, there were XXXX missed payments that appeared on my credit report and my excellent credit score dropped by XXXX points. 

I would like to report that XXXX Bank intentionally did not take out the amounts I owed in XX/XX/2022 and XX/XX/2022 and as a result, my credit score has plummeted. 

I was put in contact with XXXX XXXX from the Office of the Chairman who admitted that there was wrongdoing on XXXX Bank 's part but will not correct the issue. It is extremely deceptive to email consumers to their update payment information, but not indicate that a payment will not be made immediately. XXXX took my feedback to improve future communication with customers on her end ; however, refuses to resolve the issue that has impacted me. 

Ive filed complaints with the Consumer Protection Finance Bureau and saw other consumers who were in a similar situation who had this issue resolved. XXXX Bank is not a consumer-friendly bank, but rather a collection agency. The company asks customers to put a credit card on file as opposed to the account number of a banking account to take out automatic payments for a loan. This is a malicious way to conduct business. There are customers whose debit cards may expire, be compromised, etc. and they are unable to make a payment due to no fault of their own. XXXX Bank intentionally wants to destroy the health of consumers credit with their misleading practices. 

Furthermore, there is nothing in the terms and conditions that states that a payment will not be processed the day that a consumer updates their payment information. I've asked numerous times for the terms and conditions that shows that a payment will not be processed as soon as a customer updates their payment information. My request continues to be ignored. 

Please see email attached that shows the lack of clarity for when a payment will be made once a consumer updates their payment information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation offederal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX 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 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
Product: Credit card

I was a victim of identity theft XX/XX/2023 in the amount of XXXX I have more then proved to wells Fargo this was not my signature and that the furniture was not delivered to my home as they claim. what Wells Fargo has done and been allowed to do is criminal and has now cost me XXXX in attorney fee 's now not only am I victim of identity theft but of big banking. Now I'm since adding the information form the DA office since she was caught.
Product: Credit card or prepaid card

Received credit card checks with promotional rate of 0 % until XX/XX/XXXX. 
I used the check in the amount of {$20000.00} on XX/XX/XXXX. And on the first statement they are charging the promotion fee of 1.99 % plus their usual 29.9 % apr interest. 
This is wrong. False advertising. 
I called the Elan Credit Cards. And they said they can not do anything about it and that I have to pay the interest they are charging.