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

XXXX  is the company, along with Experian. 


This continues to be a nightmare with XXXX, i am not able to apply for another work opportunity due to multiple multiple FCRA violations in which XXXX  continues with willful intent to ignore. Numerous disputes with XXXX  for over a year now have fallen on deaf ear, and it shows up as not disputed ; why? XXXX   shows a different address from what Experian has ; neither credit reporting agency will provide a telephone number. Consumer Protection Finance Bureau has previously reached out to this corporation as well under complaint number XXXX and this corporation has stated it does not belong to them. This isnt making sense, i need to see the documents showing proof this alleged debt is mine.XXXX  also needs to show in writing the step by step independent investigation performed. This company name on the report shows XXXX XXXX XXXX, account # XXXX. 

This company has various names including XXXX XXXX XXXX. XXXX  has deleted this non-verified inaccuracy, so if XXXX  can not verify, how has XXXX   and Experian conducted an independent investigation for verification? 

There are too many FCRA violations to place without making this a long complaint. Experian shows a XXXX XXXX XXXX XXXX, XXXX TX XXXX for an address without a phone number, and TransUnion shows an address of XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, which is a registered agent for this company and/or companies. 
TransUnion is showing a payment on XX/XX/2019, and Experian just states that a recent payment was made, who paid? Experian also is showing an unfamiliar name on the report as XXXX XXXX, who is that? A charge off showing a balance due? Wow, i am flabbergasted as to how employees are trained here. As previously stated, there are too many FCRA violations to report here without making a long drawn claim. 

Thank you for your time. 

By : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref : XXXX XXXX XXXX Violated Regulation E and Wrongfully Reported Me to Chex Systems, Consumer ID XXXX To Whom It May Concern : The information reported by XXXX XXXX XXXX to Chex Systems is inaccurate and invalid. I, XXXX XXXX did not conduct the ATM check deposit in the amount of {$4900.00} in XXXX XXXX NY on XX/XX/2018. After the check was deposited, I immediately visited my local, XXXX XXXX XXXX in XXXX MD. I explained to the XXXX Branch Representative, I did not make this ATM deposit, I do not know who made the ATM Deposit and I requested to dispute the ATM deposit. XXXX  XXXX XXXX did not investigate or honor my request to dispute this item ; which is a violation of Regulation E. 

Based on following reasons below, this report to Chex Systems, from XXXX XXXX XXXX should be removed and voided. 

I requested the ATM check deposit of {$4900.00} be ( Reg E ) disputed and investigated. XXXX  XXXX XXXX violated Regulation E by denying my dispute and proceeding with closing my account. 

The deposit was conducted at an ATM in XXXX XXXX NY. XXXX  XXXX XXXX could have reviewed the recorded video information and verify I was not the individual who deposited the check. 

The deposit was conducted at an ATM in XXXX XXXX NY. XXXX XXXX  XXXX could have reviewed the endorsement on back of the check and compare it to my signature reflected on my New Account Signature Card. 

XXXX XXXX XXXX should provide documentation proving they honored my dispute and conducted an investigation in accordance with Regulation E as I verbally requested in the XXXX XXXX Branch. 

If XXXX XXXX XXXX adhered to Federal Regulation E, as federally mandated and conducted a proper investigation. Their investigation would have proven Im innocent and I did not conduct this ATM deposit transaction in XXXX XXXX NY. I will be seeking legal counsel and will pursue a lawsuit against XXXX XXXX XXXX for slander, defamation of character and violating my federal rights.
Product: Credit reporting or other personal consumer reports

i have reviewed my credit report and found there are several inaccurate data points within my personal identification which XXXX along with Equifax are reporting.

8 U.S.Code 1305 Notices Of Change of Address, on XXXX, 2023 i am requesting the following : My only name is XXXX XXXX XXXX Please delete/remove any other name you are reporting that does not match. only have one name on account. 
My only address is XXXX XXXX XXXX XXXX XXXX, Michigan XXXX remove any address that does not match this address My only social security number is XXXX Please remove all telephone numbers and employment contact. 
Both credit agencies has put me in a ruff place as far as getting transportation Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX Date : XXXX These two agencies has refuse to follow The ( FCRA ) and report accurate information. 
I am asking that cfpb make sure that these reporting agencies implement the correct information on my credit report.
Product: Debt collection

I paid my debt to XXXX consumer agency and now there are XXXX other agencies trying to collect on the same debt.
Product: Mortgage

Around the middle of XX/XX/2022, I made contact with a representative of PNC Bank, XXXX XXXX PNC Mortgage Loan Officer XXXX # XXXX and inquired about refinancing a mortgage with PNC in order to remove my ex-spouse from the mortgage. I entered into discussions with XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX Loan Officer XXXX # XXXX as to the possibility of obtaining a HELOC for the purposes of paying off the mortgage with PNC if I had enough equity in the property which was not my property of main residence. Based on those discussions I removed {$50000.00} from my retirement savings and paid down the mortgage to a level that was indicated as sufficient for this process to continue. Providing documentation on my financial status I was never given an indication that was an issue with the amounts that I was seeking for the HELOC. due to incorrect information with a credit reporting agency, I corrected the information but PNC Bank required a secure text to take place and was told that after correcting the information it may take up to 60 days for the information to become " active '' but in all likelihood would not take that much time. After 40 days of futile attempts I traveled 4 hours out of state to arrive at a PNC office in another state to verify my identity. At that time I was told and encouraged to open a checking account to XXXX a .25 % reduction on my HELOC application. I did so with the idea that it was a benefit and was also told that it would provide a better pathway for monthly repayment of the loan which seemed reasonable. Today XX/XX/2022 I received a Statement of Credit Denial from PNC for loan # XXXX stating code XXXX proportion of loan balances to loan amounts is too high, and code XXXX Length of time account have been established. I feel I was misled on this process and I have complied with all requirements outlined by PNC.
Product: Mortgage

As to so many times previously, My name is XXXX XXXX XXXX and my husband XXXX XXXX. We had placed a total of 10 complaints related to Select Portfolio Servicing and their deceptive practices, but your department only send the complaint and wait for the complaint to be answer. But here we go again. I submitted a loan modification to SPS multiple times. The latest modification of mortgage that I received was in the amount of {$4500.00}, a larger amount than the one I received before, the interest rate at 7.475 % adjustable rate the same terms I had before with the same principal balance of {$530000.00}. This are the receptive practices from SPS. 
First I had been given five years off my debt due to Statutes of Limitations ( see final summary judgement interest rate from XX/XX/XXXX to XX/XX/XXXX that make us only 70 payments past due not 125 past due payments as they keep stating that is due. 
I contacted and submitted a complaint also to the Federal Trade Commission, Florida Office of the Financial Regulations for providing servicing in Florida without a license and third open a law suit related to the present charges and not giving us credit for the 5 years deduction. No one is to big to fail. Thank you for your communication service.
Product: Credit card or prepaid card

My personal credit card & 4 business cards were closed unexpectedly, w/o any prior notice.

I called and asked for someone to explain what was going on.

After weeks of waiting & no access to my cards online to pay my bills a manager called me to explain that Ill be getting a letter that will say unusual authorized user activity she the. Explained that they couldnt verify the identity of my authorized user & as a result my business cards were closed also. 

Recently, one of my authorized users got a letter in the mail stating that Bank of America is adding a name to their credit report which is completely misspelled. Its important to note that this particular user is my fianc. Thats when i put the pieces together. 

Since Bank of America was the first company i had a credit card with, its both upsetting & disappointing That they would. Make a mistake like this with out considering my history with them or properly investigating the authorized users correct identity. 

Im in the middle of recouping after months of delays due to COVID, we were in the process of renovations 4 homes when my credit cards were closed forcing me to use personal lines of credit & other banks to fund my renovations. Not to mention the thousands of dollars in reward points i earned that they confiscated as a result of their mistake. 

Id love the CFPBs help in holding them accountable and assist in re opening my accounts.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am reaching out to you because I'm concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it's essential that our records are accurate and up-to-date, which includes both customers and potential lenders or employers. After doing some research into Metro 2 compliance standards, I've found that there may be some inaccuracies in your reporting if these issues are not promptly resolved. Would love any feedback possible before taking any legal action against you.My credit report is a representation of my financial standing, and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate and authentic. Therefore, I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate and never had any verification or compliance with reporting laws. So now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance, but it's currently not a representation of who I am financially because it's inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXXXXXX 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 Personal Information for Equifax NAME : XXXX XXXX XXXX XXXX - My name is XXXX XXXX. Please remove any name you have in your system that does not match XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX- XXXX would appreciate it if you could take care of any address that may be listed incorrectly in your database. My actual address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. If you have anything in your system that is different from what I have just mentioned then delete them immediately. 

SEE PDF ATTACHED
Product: Checking or savings account

On XX/XX/2019 I tried to make a mobile check deposit thru the Wells Fargo mobile app. The app ask you to enter the amount of check. When the amount was not verified on the system ' error amounts do not match ''. There was no way to enter or override and say the amount I entered is CORRECT. After several attempts with this and not being able to read my check, I drove to bank to use the atm. During the drive almost hitting two deer to get to the branch so I may go to work, the atm does read my check correctly. The check amount was for XXXX and it picked up XXXX. There is no way to manually correct that! I finally decided to hit accept and let the XXXX go in, as I did not want a returned payment that was coming out.

I called up Wells Faro and now there automated system could not recognize my voice and gave me a hard time. Almost an hour after I just wanted to make a check deposit, I finally get to speak with someone to file a complaint. The Rep XXXX  was more or less useless! I appreciated he at least apologized, yet I know that was the end of it as far as Wells Fargo is concerned.

I have been banking with Wells Faro for years. I've had a mortgage with them at one point, checking, savings, credit card, line of credit, IRA with them. With the lack of courtesy and convenience that is advertised on their products and web sites. I told the rep, I would be looking into closing all my accounts and there was no care.
Product: Checking or savings account

On XX/XX/year>, I initiated an XXXX transfer from XXXX XXXX that had $ XXXX cash to my account at Robinhood. Robinhood reported the transfer complete but only reported a DEBIT of {$49.00}, reversing the intent of the transfer in. They have told me wrongly that I would have to perform another transfer request, which XXXX XXXX said wouldn't work as they are holding the funds under the previous transfer request until Robinhood accepts it. Robinhood seems completely confused and clueless about this.
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 under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights to privacy, I have sent EQUIFAX 3 letters in regards to the following accounts and have also stated the violations that they are in, EQUIFAX has removed accounts without my consent that I did not DISPUTE which has caused continued hardship TO ME AND MY CHILDRENS MODE OF LIVING and my credit score has dropped even more. PLEASE HAVE EQUIFAX DELETE THESE ACCOUNTS AS IT IS A VIOLATION OF MY RIGHTS.

15 USC 1681 ( a ) - a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681 ( a ) ( 2 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

THESE ARE THE ACCOUNTS IN DISPUTE : 1. XXXX XXXX  XXXX XX/XX/XXXX - # XXXX 2. XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX - # XXXX 3. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 4. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 5. XXXX XXXX, XXXX XX/XX/XXXX - # XXXX 6. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 7. XXXX XXXX XXXX XX/XX/XXXX - # XXXXXXXX 8. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 9. XXXX XXXX XX/XX/XXXX - # XXXX 10. XXXX XXXX XXXXXX/XX/XXXX - # XXXX 11. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 12. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX 14. XXXX XXXX  XX/XX/XXXX - # XXXX 15. XXXX XXXX XX/XX/XXXX - # XXXX 16. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 17. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 18. XXXX XXXX XXXX  XX/XX/XXXX - # XXXX 19. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 20. XXXX XXXX  XX/XX/XXXX - # XXXX 21. XXXX XXXX XXXXXX/XX/XXXX - # XXXX 22. XXXX XXXX XX/XX/XXXX - # XXXX 23. XXXX XXXX XX/XX/XXXX - # XXXX 24. XXXX XXXX XX/XX/XXXX - # XXXX 25. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 26. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 27. XXXX XXXX XXXX XXXX - # XXXX 28. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 29. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 30XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 31. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 32. XXXX XXXX XXXX  XX/XX/XXXX - # XXXX 33. XXXX XXXX XXXX  XX/XX/XXXX - # XXXX 34. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 35. XXXX XXXX XXXXXXXX XX/XX/XXXX - # XXXX 36. XXXX XXXX XXXXXXXX XX/XX/XXXX - # XXXX 37. XX/XX/XXXX - # XXXX I did not GIVE my explicit written permission to EQUIFAX to report any NON PUBLIC INFORMATION, they have taken my information and compiled a file that is supposed to represent me and that is alleged IDENTITY THEFT.
Product: Debt collection

Creditor called every 2 hours without leaving any information regarding the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is past the statute of limitations and inaccurate, remove XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}
Product: Debt collection

Three times now I have disputed XXXXs attempts to ruin my credit as a previous customer service representative stated they would do. This is what was previously stated in my first complaint that resulted in the removal of this fraud collection : My final Bill with XXXX was {$88.00} I had auto pay set up and I personally inquired on wether or not I needed to make my final payment before transferring my service to a different service provider. The representative I spoke with told me that the auto pay would still go through on the date it was set for. Well it didnt and I have relentlessly attempted to contact XXXX about my final bill. If you can imagine my surprise when this was put on my credit in the amount of {$180.00}. This amount is in excess of my final bill as I did not owe equipment fees or any other fees, just my monthly bill. I have since tried to access previous account information but XXXX refuses to allow me any access to previous billing history and once again I must state that I have not been able to speak to anyone about this. Now I randomly have XXXX XXXX XXXX 's reporting this collection every month to the credit bureaus and it is affecting my credit derogatorily. My score literally plummets anywhere from XXXX points on any given day. Its causing me hardship. XXXX will bot allow me to access my account because it will prove I do not owe the amount being posted on my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Today I was notified by XXXX of a company called DIVERSIFIED ADJUSTMENT being added to my report, which is another attempt of XXXX to hold me accountable for an amount that I do not owe them. I have disputed this now three times, it has been removed from my credit twice and XXXX XXXX continually sells my information to these companies. I have been threatened verbally over the phone that XXXX will ruin my credit by these collection agencies that they have sold my information too. Upon contacting XXXX both in person and via phone I have been met with no help and firmly reminded that they will put the collection on my credit. I have given proof of what I am saying now three times. Please help me because this is affecting my ability to navigate the financial world without troubles. In XXXX XXXX also actively discriminated against me by saying my credit score was not high enough to not have to pay a downpayment fee when my actual score was well over XXXX. I have the letter they sent me that states I had too many late payments on my credit at that time which was not true. 

This account was not opened on XX/XX/XXXX that is a manipulative tactic used by XXXX and these crooked collection agencies this account predates XXXX and it was initially put on my credit back in XXXX. They are actively ruining my credit as they stated they would and every-time it gets removed they sell my info to another company and attempt to repost it. Please make it stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent Equifax data breach, my personal credit information has most likely wound up in the hands of criminal actors. In order to reduce the risk that this has caused me, I had to freeze all my credit reports. Even this may not fully protect me from the risk I am now at for the foreseeable future. The fact that credit agencies like Equifax are for-profit entities making money off of this information makes the fact that I had no way of preventing this breach even more egregious.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX 15 USC 1692c ( c ) If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all communication.
Product: Vehicle loan or lease

I have requested an audit of my account to determine proof of payments & my request was denied. Payments have been made on the loan, but are not posting, so I'm receiving late fees & being charged daily interest on balances that are not owing. Lender is refusing to provide my financial institution with transaction reports showing their attempts to debit ANY amounts for towards the loan. 

Payment made XX/XX/ via online banking in the amount of {$150.00}. Merchant states the transaction rejected, but are unwilling to provide transaction details. The account number used to make this payment matches the account number the merchant has on file for online payments. The funds were available & we have been unable to determine why this payment was rejected. 

XXXX made XX/XX/XXXX  via online banking in the amount of {$88.00}. Merchant claimed it was never received. This transaction was rejected, merchant states 'incorrect account number '. Without transaction reports, the account number entered for payment can not be determined as correct or incorrect. 

Payment made XX/XX/ via XXXX in the amount of {$170.00}. Merchant claims it was never received, XXXX has confirmed payment was not returned, so where is it? 

This merchant has purposely setup their online banking system to reject payments from willing customers while continuing the charge fees for non-payments. This is a clear violation of their contractual obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}