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

I applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were several accounts reflecting badly. The accounts I have listed on this report do not belong to me. I did not open any account with any of these companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not being reported on my XXXX credit report and it 's affecting my credit.
Product: Debt collection

Jefferson Capital bought an old debt from XXXX from 2014 and opened an account within their office and then charged the debt off. The original debt had been charged off in 2014. The negative impact on my credit score triggered my bank to close my Home Equity Line of Credit. I am under the assumption that debt over 7 years old from the original creditor can not be reported as a new account, or even be reported on my credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 

Discover- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to resolve and or dispute these issues directly with the credit bureaus and the lenders reporting inaccurate and fraudulent accounts and each and every time I receive generic/automated responses stating the information and or accounts has been verified when asked to provide proof of this verification the lenders and respective credit bureaus are unable to provide me with any documentation as it relates to verification. I was the victim of identity theft, I have informed them of this and filed numerous FTC identity theft reports and provided copies to the bureaus and offered to provide copies to the lenders, the lenders refuse to accept them, and the credit bureaus tell me this is not sufficient which is why I have filed multiple as well as consistently seeing new items I do not recognize either in the form of inquiries or collection accounts. I have attempted to resolve this with the credit bureaus as well as directly with the creditors. This is my second time filing a complaint with the CFPB in regard to these issues. All of the entities mentioned have displayed willful and negligent noncompliance in removing these items
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX ) XXXX or XXXX Reference : Wells Fargo Home Mortgage Account # XXXX Complaint # XXXX I am compelled by unfortunate circumstances and much against my will to file this complaint. 
I became a Wells Fargo Home Mortgage, Homeowner, XX/XX/XXXX. 
I refinanced my mortgage with XXXX XXXX in XXXX. 
My principal balance was {$94000.00}. I paid {$94000.00} at closing. I called Wells Fargo to inquire in reference to the {$100.00} dollars per month I paid on the principal for XXXX years until I closed in XXXX. 
I called Wells Fargo several times. I only received one response. I havent received any other notices since XXXX of XXXX. 
I have copies of all tax returns, and monthly statements if needed, according to my accountant Wells Fargo owes me {$10000.00} dollars.
Product: Credit reporting or other personal consumer reports

I have never applied for any vehicles since 2012. Its someone that showed me recently all the inquiries that i have on my credits reports and i was shocked because i dont recognized any of this. please help me remove them because i never applied for any vehicle and dont have current vehicle linked on my credit. 

Thank you
Product: Student loan

Account Number : XXXX Original Creditor : XXXX XXXX Amount as Listed on Credit Report : {$560.00} This student loan is from over 8 years ago and was supposed to be paid by my grandparents. In XXXX I realized it was reflecting on my credit and I established a payment agreement of {$50.00} per month to pay off the debt with Heartland ECSI. In XXXX I reached out to Heatland ECSI, the company I made my arrangement with and to whom I had been submitting my monthly payments, to inquire about any possible settlement offer to pay the balance in full. I was told I needed to contact the company that owned the loan XXXX XXXX and was given a number to reach them. When I called the number provided to reach XXXX XXXX I was advised that they in fact do not own the student loan and they have been receiving numerous calls from other people referred from Heartland ECSI regarding the same issue. I then called Heartland ECSI back and spoke with another representative. I explained the situation again and was given the same number. After I insisted this company could not help me I was told that is the only information they had. I then asked what payment could be made to at least bring my account current so that it would stop reporting as past due on my credit report. I was given a past due balance of {$1400.00} and was told if I made that payment my account would reflect current. I would then have a remaining balance of {$610.00} and I could continue making the $ XXXX  monthly payments until it was paid in full. Based on this information on XX/XX/XXXX I made a payment of {$1400.00} mostly from my Stimulus check. On that same date my automatic draft monthly payment of {$50.00} also processed so 2 payments were made on XX/XX/XXXX totaling {$1500.00}. 

The following month I noticed the account was still reporting negatively to my XXXX  credit report as past due. I reached back out to the company and this time was advised because the total balance on my account was past due it will continue to report as such until it is paid in full. This was absolutely not what was advised prior to me making the lump sum payment. I then asked if I was able to pay off the remaining balance could I have the account completed removed from my credit and they stated this could not be done and would only reflect paid in full. I have still not been provided with the correct contact information for XXXX XXXX and Im continuing to have this account negatively impact my credit month after month. Currently this is the ONLY account showing past due or reporting anything negative to my credit reports and it is severely impacting my ability to refinance my home and showing my as having poor payment history.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the CHEX SYSTEMS credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and a collections account opened at XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb I am making a complaint about NAVIENT SOLUTIONS and they also have another name dep ed navient they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb
Product: Checking or savings account

My Bank of America credit card was compromised in XXXX of 2019 I reached out too BofA too report BofA refuses too help indicating Im responsible I never have used XXXX website
Product: Debt collection

The collector has called me daily since XX/XX/21, leaving intimidating voicemails saying if I do not call them back, paperwork will be filed with the county. After not reaching me on the phone, they called my husband, who happens to be an XXXX. He attempted to verify that the debt is real. They provided bogus information, refused to provide any information regarding the particulars of the debt ( amount, date debt was occurred, etc. ), were abusive in their communication, and refused to provide contact information for him to send a letter or representation. They argued with my husband, stating he was not a real XXXX  ( he very much is ), and continue to leave harassing phone messages with me, daily. In the messages, they do not identify any information other than they are calling from " MAC, '' they do not indicate they are attempting to collect a debt or anything else that debt collectors are required to do. 

The only information they provide is the company name of " MAC '' and a number, XXXX. They call from a VOIP number XXXX. 

I believe they are using outdated information from my credit that is well past the statute of limitations and manipulating that information to harass and scam me into giving them money.
Product: Debt collection

This company keeps pursuing me after I have proven to them they are looking for another XXXX XXXX. They are making threats and saying they will not stop reporting this on my credit file. I can not believe they actually told me, they have the edge on me since they could keep reporting this negative account on my credit file, and said they don't care if I am a Veteran, or a XXXX XXXX XXXX XXXX. They are calling from different numbers, private numbers, and cell phone numbers all time of the day and night. I am living on an edge ; especially, when the debt isn't mine.
Product: Credit card or prepaid card

I applied to a credit card with Citibank. Citibank denied me the card, stating my information on the my XXXX  credit report is does not have enough history. I actually do have plenty of history, it is just that my accounts have been closed. Before I applied, i verified with Citibank for this particular credit card I applied to, and they told me that they are accepting and approving applications this year and last year due to the Pandemic even if applicants do not have much information on credit file. However, Citibank did not keep their promise and denied my application. I am requesting an explanation as to why. 

Application ID : XXXX.
Product: Credit reporting or other personal consumer reports

MIDLAND CREDIT MANAGEM is reporting that I have XXXX accounts with them. They have reported over XXXX  months of late or missed payments yet the reporting is recent. Meaning all those past months were not on my credit report until recently. I dont have an exact time frame but its reporting like I have been with them and late going on XXXX years from what from my credit report. I NEVER had an account of any source with them, they do not have any signatures, Ive never provided them with my personal information to even apply for credit or anything with them. They have no evidence that I opened any accounts with them for credit or anything of the such because I have never provided it to them or applied with them. Ever. Im not even aware of what type of business they do. Ive never spoken or done business with them so I am concerned they are on my credit report appearing to report monthly. Ive never heard of them until I saw them on my credit report. Ive disputed it with the XXXX credit agencies and all but XXXX removed them. Today I filed a fraud report regarding this company with XXXX which a live agent advised me to do. She also referred me to this site to also file a fraud report on MIDLAND CREDIT MANAGEM regarding the XXXX accounts they have on my credit report. I am legally XXXX and this is greatly affecting my credit lines and score. Again, I have never done any business with this company in any capacity. They have never been an original or any other type of creditor of mine. Not only is it a fraudulent account but they are reporting on it monthly like its an open account!
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed that there are inquiries reporting that I do not recognize and are unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, DYNAMIC RECOVERY SOLUT # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Sent dispute audits on XXXX, XX/XX/year>. XXXX XXXX did not provide what was asked for and repeatedly sent stall tactic letters as responses. XXXX XXXX still in this over a year of attempting to resolve directly has not provided what is needed to continue to actively report.
Product: Debt collection

I paid Credit Collection Services ( CCS ) for a delinquent payment to XXXX for {$310.00} on XXXX XXXX, 2015. The payment was processed and deducted from my account on XXXX XXXX, 2015. When I called CCS to inquire why the payment had not been reflected on my credit report they responded that they did not own the account at the time of payment, however, the check was cashed and processed by CCS. If they did not own the account, why did they cash the check nor inform me of this information. After writing to them, they have processed a refund check for the entire amount.
Product: Money transfer, virtual currency, or money service

Initiated wire transfer XX/XX/2024 to Title company 's escrow account for house closing. On XX/XX/2024 got a phone call from Discover bank to verifit information. Everything 's verified and money was debited. However title company didnt receive the fund. On XX/XX/2024, title company informed me that their has the wire but it is stopped in their compliance department. They have reached out to your sending bank for additional information before they can release the wire to our escrow account. However nothing is being done. My closing day is soon and I need to make sure fund go through as soon as possible. I am not sure what's the hold back is.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

I looked at my Transunion report on XXXX XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer report it follows reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates according to 15USC 1681 ( e ) ( b ).
Product: Mortgage

I recently applied for and received a loan modification from Selene Finance. Between the time that the loan modification paperwork was executed by Selene and the XXXX XXXX, 2016 statement, I anticipated that a XXXX payment would be due and did not want it to be late. Therefore, on XXXX/XXXX/2016 I sent a check to the bank and it was received. Two days after I mailed the XXXX payment, I received the XXXX statement from Selene indicating that a $ XXXX was due XXXX XXXX and that my next regular payment would be due XXXX/XXXX/2016. So I called them and asked them to credit the payment that they would be receiving to the principal portion of my account. They denied the accuracy of the $ XXXX statement saying that a system glitch had sent out the statement. However, I again received a statement today confirming that a XXXX - NOT XXXX - payment would be due on XXXX/XXXX/2016. Can you help me to get credit for the XXXX payment that I sent in and have it credited to the principal balance? Thank you so much!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 those account 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. XXXX XXXX  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 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. 

Account Name : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.