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

The original company was stage XXXX XXXX XXXX XXXX They stated that account was sold to XXXX XXXX and that they had nothing to do with the account as of XX/XX/XXXX. XXXX was contacted and the account was paid on XX/XX/XXXX with an agreement that they would contact all three bureaus to have the accounts removed from reporting. XXXX sent a letter to me and all three bureaus however all the bureaus did was document it as a paid charge off instead of removing the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account XXXX CO XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions Date opened : XX/XX/2005
Product: Credit card

Amazon Synchrony has no fraud protection in place. This virtual card was used without my consent and I was not informed for months until they sent a paper statement. They removed XXXX bad charge but refused to remove the other. For XXXX years they continue to add fees and interest onto this frauduent charge. The issue is, they let a virtual car dbe used without a XXXX step authentication, and without having a user input a XXXX digit security code that would be on the back of a credit card. 

I have been asking for over a month via email ( to '' OfficeofthePresident ( Synchrony Financial ) '' XXXX, and XXXX, ) To give me a reply on at what point does their company do a " charge off ''? Their customer service department mentioned this to me but did not have the answer. i want to know when they will Charge Off the balance they made on my account?

And also, when can I expect this to be fixed?
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit rating and causing me unnecessary financial strain LVNV FUNDING : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/Experian & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of unauthorized transactions. All of the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT : {$380.00} XXXX XXXX XXXX ACCT : unknown AMT : {$440.00} XXXX XXXX  ACCT : unknown AMT : {$240.00} XXXX XXXX ACCT : unknown AMT : {$280.00} XXXX XXXX ACCT : unknown AMT : {$220.00} XXXX XXXX  ACCT : unknown AMT : {$96.00} XXXX XXXX ACCT : unknown AMT : {$140.00} XXXX XXXX   ACCT : unknown AMT : {$140.00} XXXX XXXX  ACCT : unknown AMT : {$140.00} XXXX XXXX  ACCT : unknown AMT : {$140.00} XXXX XXXX ACCT : unknown AMT : {$200.00} XXXX XXXX ACCT : unknown AMT : {$270.00} XXXX XXXX  ACCT : unknown AMT : {$250.00} XXXX XXXX ACCT : unknown AMT : {$170.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 XX/XX/2020
Product: Credit reporting or other personal consumer reports

Please see the attached letters. I do not have a fraud alert or credit freeze placed on my consumer reports. Equifax is messing with my creditworthiness.
Product: Mortgage

Every time I reach out to the company ( Loancare ) in regards to my loss mitigation application I am told something different. Ive never received correspondence about my case and when I call the company no one seems to be able to help me or have any information about it. I was told my case workers name is XXXX XXXX be shenever answers when Im transferred to her nor does she returns my calls. Ive been told that I was in a trial payment plan for four months and was forced to make a payment of {$1000.00} and some cents without agreeing to any of it only to call again and be told that no Im not on any trail payments and that they must have been in the wrong persons file!!!! My regular mortgage payment is 1200 plus dollars so the XXXX payment then was moved to so other account not being applied to my monthly payment and now Im considered to be be late due to their confusion. Even when I visit their site it shows that there is a 1st trail payment that they are trying to tell me that they never had me pay. Their site does not allow you to pay less than your monthly balance do this wouldnt have happened unless they arranged it that way. Somewhere along the way there is a lack of communication within this company that my mortgage was unfortunately sold to.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX, Explore Credit debited {$50.00} and on XX/XX/XXXX, Explore Credit debited {$190.00}. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 reporting, credit repair services, or other personal consumer reports

I haven't received any supporting documents stating this alleged debt on my consumer report. Some of the accounts came back verified in investigation but with no explanation on how the debt came back verified. It is unlawful to keep these accounts on my consumer report if they are coming back unverifiable. Additionally, I have put in complaints to the XXXX to remove the accounts. The accounts say they notified the reporting agencies, but the inquiry is still on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, rather than sending one monthly payment, I submitted bi-weekly half payments to United Wholesale Mortgage per the attached document. Couple weeks after the initial payment, I noticed that my online account did not show the payments posted. I contacted UWM to inquire about the account, and at that time I was informed that they don't accept partial payments. UWM refunded the third payment with a check that was cashed, but the first two checks were not received and sat in a suspense account without posting them to my mortgage. Starting XX/XX/XXXX I continued to contact UWM and requested them to transfer the funds in the suspense account to my mortgage to remove the late reporting, but their response was that they were researching the issue and it would take a couple of weeks to resolve. From XX/XX/XXXX until XX/XX/XXXX I continued to call on a weekly basis requesting updates on the resolution to no avail. I requested multiple call backs from supervisors, but they never called. It wasn't until XX/XX/XXXX that I was able to reach a supervisor that cared enough to apply the funds to my mortgage and clear the account. Attached you will find the list of payments they received and how they were posted, and you will also see that nothing is reported late. 
Their failure to apply the funds sooner triggered the late credit reporting, and they are unwilling to remove it. 
This has adversely impacted my credit score and the ability to open new accounts. I can't apply for new credit because I have been turned down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out I was a victim of identity theft and contacted Equifax about two collection accounts that are appearing on my credit file. The two accounts are a result of identity theft and I have never opened nor had an account with either company. I contacted the companies to let them be aware but it seems like I was going in circles regarding this very serious matter. They are unwilling to assist me with evidence linking me to the accounts. I have exhausted myself contacting them so I contacted Equifax and asked for an investigation. As of XX/XX/XXXX the information still appears on my credit report. I have sent letters and faxes to equifax asking them to delete/remove the inaccurate information that is ruining my chances of getting loans and buying a house. Could you please remove them and contact Equifax. I would like them removed as soon as possible.
The two collections that are 100 % fraud as a result of identity theft are : XXXX XXXX Original Creditor : XXXX Balance : {$420.00} Opened : XX/XX/XXXX XXXX XXXX Original Creditor : XXXX Balance : {$150.00} Opened : XX/XX/XXXX
Product: Mortgage

Asked the company to wave some fees and interest that was over 16 years and growing. They will not wave XXXX XXXX. We were told this loan was dismissed in a bankruptcy 16 years ago. Have never been contacted in 16 years from the company that we stilled owned them anything and now the loan is almost 4x 's the original amount. Have been trying to talk to them and work with them for 9 months with no avail. Also was told by a few people in the industry to not pay the first mortgage since the 2nd mortgage was not willing to help.
Product: Credit reporting

They keep sending me this!! I know it belongs to me!! I 'm not denying this point! Its just from back in XX/XX/XXXX and XX/XX/XXXX..And is outdated and should be off my file by now! It was all part of a Bankruptcy back in XX/XX/XXXX..Remove it! 

We have researched the credit account. Account # XXXX The results are : We verified that thisitem belongs to you. Additional information has been provided from the original source regarding this item. If you haveadditional questions about this item please contact:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed formal disputes with Experian and Equifax regarding inaccurate and unverifiable negative accounts on my credit report. Although these accounts had already been removed from XXXX, Experian, and Equifax continue to report them, creating inconsistencies and inaccuracies in my credit profile. 

The disputed accounts include charge-offs from multiple creditors, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX , including a charged-off auto loan. These accounts have been negatively impacting my credit standing despite my efforts to correct the information. 

I exercised my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by disputing these accounts and requesting verification. However, Experian and Equifax failed to conduct a proper reinvestigation within the 30-day timeframe, as required under 15 U.S.C. 1681i. 

To escalate the issue, I submitted a formal complaint to the Texas State Attorney Generals Office on XX/XX/year>, urging them to investigate Experian and Equifax for noncompliance with federal regulations. Additionally, I have sent multiple dispute letters to both credit bureaus demanding the removal of these accounts under 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reports. 

Despite these actions, Experian and Equifax have yet to correct their reporting, failing to provide proper verification or remove the inaccurate accounts. Their continued noncompliance is causing ongoing financial harm and affecting my ability to secure credit. I am seeking intervention from the Consumer Financial Protection Bureau to enforce corrective actions and hold these credit reporting agencies accountable for their negligence in ensuring accurate consumer reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

My loans were posted on my credit as delinquent despite being told by multiple customer service representatives that they did not have an account for me after giving them my ssn, birthdate, and other information. My loans were in a forbearance until the end of XXXX and were being auto paid off my credit card. I received a notice in XXXX that my loans were being changed to XXXX XXXX when I called to get my account back on IDR and on auto pay again they said they didn't see any information for me if my account started with D or J and I would have to wait until XXXX was up and running in XXXX. I got the welcome email XXXX on XX/XX/XXXX and the same day all my loans reported delinquent on my credit. When I called Nelnet to ask what happened they again said they had no information for me and to call XXXX. When I called XXXX the first rep kept putting me on hold for a total of XXXX minutes to look up information. I ended up hanging up and calling right back. I finally got another customer service rep and told her everything that happened. She recommended I do a forbearance when I asked about paying the delinquent balance, but said she wasn't sure if I needed it or not, so she transferred me to another rep who couldn't find any information on me either. I asked to speak with a supervisor and she forwarded me to her supervisor 's voicemail. I asked for her name and operator number before she transferred me and was given the info reluctantly like they didn't have XXXX to give. After which I left a long detailed message supervisor and never heard from her. When I got off the call I went to the XXXX website and tried to log in with my information and the site also stated it did not have account with that information. I recorded these calls and website attempts. After a couple days I went back to the site and tried again and was able to set up an account. I paid and got the account up to date.
Product: Credit reporting or other personal consumer reports

I always pay on time. I am sure of this. What I am not sure is why this company is reporting me late on certain months which should not occur. Based on USC 1666b, any billing error should be corrected and updated to " paid as agreed. ''
Product: Mortgage

My mortgage loan was recently transferred to the business effective XX/XX/year>. I added XXXX pay from external accounts on the website for the business. The mortgage payment for XX/XX/year> cleared from external account ending in XXXX. Currently, the business has external account ending in XXXX in a locked status according to the website for the business. 

Calling customer service XXXX times on XX/XX/year> was useless as no one knew how to assist in a rather simple matter. 

Significant documentation attached proves that I am the rightful account holder of account ending in XXXX. 

Therefore, the business needs to fix the technical glitch and unlock external account ending in XXXX.
Product: Debt collection

Caller, XXXX XXXX, left message with a threatening tone for XXXX. He suggested we have our attorney return his call. My husband returned his call and informed XXXX that he divorced XXXX more than 15 years ago. My husband also requested XXXX to stop calling us. XXXX was relentless and said since XXXX and my husband have kids together, he should tell the kids to inform their mother to get back to him. The conversation escalated to the point where my husband asked XXXX, " Are you threatening me? I know several policeman who can deal with you ''! - to which XXXX quickly hung up.
Product: Checking or savings account

Complaint : Regardless of the amount of times Wells Fargo is fined and sued, they continue to deceive their account holders without even attempting to hide it. During this year, I have paid more than {$300.00} in erroneous overdraft fees that are charged to my account the next day, during the grace period that they continuously and falsely advertise. In the evidence that I am submitting, you can clearly see various examples of this, i.e. account is overdrawn on Day XXXX, the account balance is then made positive via deposit on Day XXXX, but on Day XXXX, an overdraft fee appears to have been posted on Day XXXX. I have gone to my local Wells Fargo a couple of times where the Manager lectured me on how to understand the way they structured their transactions to make it beneficial for them. The reality is that the manager told me that the Wells Fargo app was only for educational purposes, basically stating that you shouldnt believe what you see because it could not be true and that since this was a reoccurrence in my account it must be my fault. With her attitude, she essentially told me that if I werent poor and stored my money with Wells Fargo more often, I wouldnt have these issues. The worst part of everything is that even when Wells Fargo sees that they are in the wrong, they will tell you We are so sorry but since this is not the first Overdraft Fee we can't waive it despite the fact that the times they have only waived it when they recognize that they are at fault. Wells Fargo will never lose the argument ; they will tell you that X transaction was mysteriously started before I ( the customer ) could even see it, and that's the reason I accrued Overdraft Fees. Basically, if a bill is paid on the XXXX of each month and appears on my account on the XXXX WF will charge an overdraft fee if I dont pay it on the XXXX, despite that date being within their imaginary grace period because the transaction started on the XXXX, despite the fact that it was not reflected on my educational app on the XXXX. Wells Fargo offers bill pay services and autopay services but expects its customers to remember the exact day that the transaction is initiated. Wells Fargo hides information from its customers and they will always argue to favor them, leaving the customer with nothing to do. Wells Fargo is stealing from its customers and if you are a minority, you will be treated as if the only money you have is whatever they see in your account. I pay $ 10 monthly to Wells Fargo so I can store my money at their place and I expect Wells Fargo to honor their services and promises. The purpose of my complaint is to show that the billion-dollar settlements that Wells Fargo has recently incurred apparently do not surmount the amount of money that they steal from their account holders while being monitored by the Federal Government . I hope that my complaint is thoroughly reviewed and I do not become another of the millions of customers encountering this same situation.
Product: Student loan

I have been trying to work with the Navient company in correcting a mistake that has happened but they keep giving me the run around. The mistake is my Student Loans where defaulted on when they were suppose to be in Deferment and or Forbearance because of my XXXX XXXX status during a time of XXXX. The first two years of my XXXX XXXX time they were in Forbearance and then were taken out for some reason. But it is not my fault that they did not scrub the XXXX database to ensure i was XXXX XXXX. An i worked with them in XXXX XXXX, XXXX and XXXX, so they were aware of my XXXX XXXX status.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. ''
Product: Credit reporting, credit repair services, 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 under 15 USC 1681. 

XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX Personal Expense Collateral - XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.