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

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent the company XXXX a dispute for an account that isnt mine several months ago. Next, I filed a complaint with the CFPB XX/XX/2023 and it has been way over 30 days. I feel like they are prolonging their process and not deleting the account. It is now XX/XX/2023 and still no removal or deletion when the company knows thats not my account or debt.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this Experian Credit Reports has violated my rights. In accordance to 15 USC 1681 section 602, It states that i have the rights to privacy it also states in section 604-A section 2 consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late on an account for any purpose.

Experian didnt ask me for permission to post negative information on my report and did not ask permission to use my social security number. Experian has used my SS number 100 times or more every day and I have received no benefits from these transactions! And using my personal social security number with out consent and making money with it and not paying is illegal Experian is in violation of these laws 15 USC 1681 ( a ) ( 4 ) rights to privacy 15 USC 1681 ( b ) ( e ) false information 15 USC 1681 ( b ) did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission 15 USC 1681b ( a ) ( 2 ) need written permission
Product: Checking or savings account

I XXXX XXXX, on XXXX. I go on vacation to XXXX, XXXX. 
I come back, and the next morning I check my account, and notice a purchase I never made. I call my bank and let them know that I never made this charge and that is a fraud, and I request a new card as well. Wells Fargo opens up a claim on my behalf XX/XX/year>. 
I waited, and never heard back, so I went ahead and call Wells Fargo to hear back that it was denied. 
I again ask for my claim to be reopen due to the fraud charge on my account I never authorized. Wells Fargo representative said theres nothing we cant do. So, I go ahead and go in person to my closest branch in XXXX XXXX on XXXX. I speak to a representative that also calls in and looks up the charge and tells me why isnt Wells Fargo noticing that the charge was made from a location that has been permanently closed. It doesnt add up. They reopen my case like four more times, and until now Im still trying to get my money back that was taken out of my account. It is very frustrating and exhausting. I have banked with Wells Fargo for more then 10 years and I dont feel like they have represented me or made any justice on my claim or have given me a fair chance on my case.
Product: Credit card or prepaid card

My Bank of America Visa credit card has this policy regarding interest payments : " PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. '' I paid off my balance in full last month and see that this month I was charged a " minimum interest charge '' XX/XX/XXXX MINIMUM INTEREST CHARGE XXXX What??!! Since when do I have to pay interest when my balance at the beginning of the statement period was XXXX? I called the bank and was told that it is their policy to charge interest on a zero balance if in the previous statement there was an unpaid balance on the card. But, of course, I was charged interest on that unpaid balance THEN so effectively I am being charged interest twice, which looks like theft to me.
Product: Debt collection

Hello, I received a letter from GB Collects on Monday, XX/XX/XXXX stating I owed {$28.00} to XXXX New Jersey HMO, my health insurance provider until the end of XXXX. During that time period, I was on autopay and never missed a payment. I called GB Collects on Tuesday, XX/XX/XXXX and spoke with XXXX XXXX asking for clarification and proof of the debt. He wasn't sure what the debt was for and said " it might be for a prorated month in XXXX '' which is not possible because I canceled my insurance plan and switched to a different provider well before the marketplace deadline when I moved out of state. I even received a $ XXXX reimbursement from XXXX XXXX XX/XX/XXXX for collecting too much from me when I was still a member. XXXX said he would send me a copy of the proof via email but he never contacted me about it. 

I had not heard from XXXX again until receiving a letter sent to my old address on Wednesday, XX/XX/XXXX stating " After repeated requests, we have not heard from you regarding the above delinquent balance of {$28.00} owed to our client, XXXX New Jersey HMO ( R ). Due to your lack of payment, we are forced to proceed with further collection activity. In order to resolve this seriously delinquent issue, you must remit payment in full of {$28.00} immediately. '' Signed - XXXX XXXX. 

This company is demanding payment without providing proof of claim, which would not exist since all of my XXXX transactions were direct auto-pay. 

Company information : GB Collects XXXX XXXX XXXX XXXX XXXX, NJ XXXX Recovery Agent : XXXX XXXX Extension : XXXX Acct # : XXXX File # : XXXX
Product: Credit card or prepaid card

Hello my name is XXXX XXXX my birthday is XX/XX/1977 my ssn is XXXX my address is XXXX XXXX XXXX XXXX XXXX ca XXXX my phone number is XXXX Bank of America refusing to return my money that I received from edd Bank of America sent my card to the wrong address and the person was able to take all of my money out of my account it was over {$21.00} and I reported that I never received my card but Bank of America continued to let the person to make transactions after I reported my card stolen and I made police report and I still have not got my money back I am sick with XXXX and I have XXXX kids to support by myself and I really need my money to pay my bill 's I don't know what else to do I have done everything I was asked to do please if someone could help me I would really appreciate it thank you
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report this morning. I check my report regularly, and everything has always been fine, but suddenly there are errors. I even refreshed my browser, hoping it was just a technical glitch, but nothing changed. These false accounts stayed there. I really need the documents Ive submitted to be carefully reviewed so I can finally stop worrying about this happening again.
Product: Credit reporting or other personal consumer reports

I see numerous fraudulent inquiries that I really wanted to remove. Kindly help me on the following : XXXX XXXX inquiry XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems reported debt on my credit report when they are not licensed in fl to operate. They are licensed in 13 states. Their XXXX ID : XXXX ( see attachment ). This is false representation to a licensed collection agency.
Product: Checking or savings account

On XX/XX/XXXX my checking account at Wells Fargo was hacked. I saw it that day called the bank and filed a report Claim # XXXX amount {$990.00} Reference # XXXX Claim # XXXX amount {$990.00} Reference # XXXX Claim # XXXX amount {$990.00} Reference # XXXX Claim # XXXX amount {$490.00} this amount stated it was a wire transfer for Bit Coin Wells Fargo is saying they will not refund my money The first three claims were a XXXX to a person named XXXX XXXX This person called from phone number XXXX The name XXXX XXXX appeared I was trying to cancel my XXXX XXXX Account and XXXX the phone number. 
These people answered So when Wells Fargo said they will not refund my money I opened an escalated claim with them Claim # XXXX I spoke to XXXX on XX/XX/XXXX at extension XXXX Phone number XXXX She said she will reopen my case but does not expect a positive resolution. 
Wells Fargo is so wrong!!! 
I had a XXXX  yesterday, I work in XXXX XXXX who stated Wells Fargo refused to give her back {$25000.00}. She contacted your agency and received positive resolution Please help me! 
XXXX XXXX XXXX XXXX cell XXXX work Address : XXXX XXXX XXXX. 
Unit XXXX XXXX XXXX Maryland XXXX Last 4 digits of SS XXXX Wells Fargo account XXXX I closed this account and opened a new one on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Emergency room visit year 2012. I was uninsured I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from 2012 so they added it to my report as new split into two of {$96.00} dollars listed twice. It has reappeared on my credit as a new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. No financial assistance offered at the time for medical debt
Product: Credit reporting or other personal consumer reports

I filed XXXX on XXXX. Case number XXXX. I have 8 accounts on all 3 credit bureaus that are reporting 90 day late. I was never late on any account, before filing. Accounts are the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They are all reporting 90 days late on XX/XX/2023. These are incorrect, and need to be removed.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and 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 reported in MONTHS REPORTING LATE to be removed 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

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

On XX/XX/2022, I contacted Nationstar DBA Mr. Cooper to inquire about removing my private mortgage insurance ( PMI ). Upon request, the agent said they were unable to remove it without a refinance. At no point did I consent to a refinance, and at the end of the conversation, the agent told me that it would not be a good option for me at this time. Today, I received a packet from Nationstar that had a loan application from that conversation. At no point was I going to refinance my current mortgage ; especially with the current rate percentages. Nationstar pulled my credit without my permission, and per FCRA, I should have this inquiry removed from my credit report, as this was something I did not consent. Also, the interest rate lock agreement violates UDAAP, TILA/Regulation Z. The buydown points are listed as a discount, fully ignoring the fact that the loan amount is increased to accommodate the buydown points. The section that shows points is the origination fee ; a completely different amount than the points charged on section A on the loan estimate. This section clearly outlines the points as {$9900.00}, which is listed on the interest rate lock agreement as {$1400.00}. This is deceptive advertising ; misleading the consumer into thinking the discount and points are the same amount WHICH THEY ARE NOT. Nationstar is in violation of fair advertising per Regulation N/MAP, because they are not being truthful in the amounts that are being charged to the consumer, and disguising the buydown points as a " discount '', and omitting that value from the " points '' line on their interest rate lock agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family and I will be moving to XXXX XXXX, CA near the end of the year ( XX/XX/XXXX- XX/XX/XXXX ) due to military orders. We started speaking with a local realtor who referred us to XXXX XXXX of the XXXX XXXX XXXX LendUS LLC in XXXX XXXX, CA. My wife clearly stated that we would not be moving or be obtaining financing until we actually make the move, dates previously stated. XXXX even confirmed that a hard credit inquiry for the purposes of securing a home loan would make no sense with us being 9-10 months away. My wife was merely calling to get an idea of rates and current market conditions. She did provide the financial information needed to run a report so that it would be on file. At no time did my wife authorize XXXX 's firm to run our credit, and it was clear on both sides that it wouldn't make sense this early in the process anyway. Upon hanging up, XXXX immediately ran our credit without permission. I was notified through credit monitoring services that I use. When my wife called to inquire, XXXX simply stated a ) that he assumed it was okay and b ) that I could just travel ( from Alaska ) to XXXX XXXX months ahead of schedule and buy a house. I'm not only cutting ties with XXXX as a lender, I've filed a dispute with XXXX, and am reporting this issue to you. I've put many years of energy and focus into building a strong credit profile, and reckless business practices like this work against all that effort. I have no documents to upload because this was all initiated by a phone conversation - nothing was filled out or signed. 

XXXX XXXX The XXXX XXXX XXXX LendUS LLC XXXX CRD/LENDUS XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX - XXXX ; XXXX XXXX XXXX ; 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: Mortgage

We did a Deed in Lieu with Seterus, Inc in XXXX of this year. Since that time they have repeatedly altered the information reported to the credit agencies. First showing XXXX missed payments instead of the XXXX we actually missed. Following a complaint to the CFPB they removed that and a month later reported that we missed XXXX payments 6 months prior to Deed in Lieu when we had been paying on time. 
Seterus has also refused to provide a refund of ~ {$500.00} owed to us since 2012 when they mailed an escrow refund to us that was never delivered. I spent two years calling in and attempting to collect it only to be told I had to prove I did not cash the check in question.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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, credit repair services, or other personal consumer reports

I keep sending letters in regard to a bankruptcy that they claim has been verified by XXXX XXXX but the information they are reporting does not match the XXXX XXXX Report, Transunion, XXXX  or XXXX  report. I also looked on Pacer and none of the information matches. 

I don't understand how all this information is being verified but none of the information is being reported the same from any of the Credit Reporting agencies and I keep getting ignored by TransUnion, XXXX and XXXX  and XXXX XXXX about this. 

Name My name has only been XXXX XXXX XXXX. TransUnion has a reported name of XXXX XXXX XXXX which is completely inaccurate and needs to be removed. 

Bankruptcy TransUnion, XXXX, XXXX, XXXX and XXXX all have different Docket # 's All credit reporting agencies are reporting different Court names and addresses which do not match XXXX  confirmation # XXXX dated XX/XX/20 investigation was incomplete and did not list any information for the Bankruptcy being reported. 

File for XXXX  shows court name Federal - but no information was provided in the investigation results. Report was blank that was provided by XXXX  in there investigation results provided on XX/XX/20. 

TransUnion File # XXXX dated XX/XX/20 Bankruptcy Court TransUnion US Bankruptcy Court with address XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX XXXX Report # XXXX Dated XX/XX/20 US BKPT CT FL XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Reference # 's are different on all files TransUnion XXXX XXXX  XXXX XXXX  XXXX and XXXX shows XXXX How can every reporting agency have different information. How can I not get an answer to any of the letters being sent to TransUnion. Why was my report incomplete from XXXX. Why isn't XXXX XXXX telling me how they are getting this information if they clearly have not verified this information with anyone since I had to reach out to the court and have told me that they do not verify this information. So how can any of this information be accurate?
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance. Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries
related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

Your agency is in violation!
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.