23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 we were alerted by another business that they had not received our payment made weeks before. Upon reviewing, it appeared that the check was cashed by an individual nameed " XXXX  '' and through some other third party cashing facility. The check was just under {$5000.00} and was a company check made to another company. We have been waiting since for Wells Fargo to credit this amount back to our account. We put the claim in on XX/XX/2022, the same day we learned of the issue, Then on the XXXX of XXXX, we received Wells Fargo 's request for us to complete an affidavit. We did on that following work week XX/XX/XXXX and put it in the mail immediately. Wells Fargo stated in writing that we had 20 days to complete, we did so very timely, but they then closed our claim, saying they had not received the affidavit within the allotted time. When I called to check on the status, I learned this and also that they did notate the account that the affidavit came in that afternoon, just about an hour after they closed the claim. They reopened the claim and now have given the third party institution 120 days to respond. Clearly this is an unfair business practice. They allow the owner of the account just 20 days to respond yet they allow the third party institution 120 days to respond. It is a XXXX - XXXX advantage against the consumer and owner of the account. I believe this is gross negligence on their part and an attempt to benefit one party over the other. All of this is in writing and can be verified. On top of it all, when I call to request resolution, time and time again, no one calls me back or they disconnect me or they transfer my call to a " foreign language line ''. There is no justification for allowing one party to take 120 days to review and respond when the check was clearly cashed fraudulently. Anyone who understands banking knows that proper identification would be required before cashing a business check. When we opened the account more than a decade ago, it was made clear that we ( even as owners ) would have to provide identification in order to cash any check we brought into the bank. We can deposit it only into our business account but would need identification to withdraw the money.
Product: Credit card or prepaid card

In XXXX of 2020 I canceled my card and ordered a replacement card because mine had been stolen, and that same month paid my bill in full to ensure a smooth transition. I did not receive a new card in the mail from them until XX/XX/2020. When I logged on to activate the new/replacement card, the website let me activate it, and then once I had, my account showed a litany of charges from mostly out of state and subsequent late fees and interest charges in relation to those out of state charges, all of which dated AFTER I had spoken with them to confirm my cancellation and request for a replacement card. I called to try to resolve the issue, and they claimed that I had never called to cancel the card. When I brought up the fact that I had in my hand the package with the replacement card with Citi Bank as the return address, in addition to the fact that I activated the new card just two nights ago, they refused to respond to my questions. I tried to be as calm and reasonable as I could be with them but they insisted on continuing with their false and predatory stance on the situation. I am including images of bank statements, the package in which I received the replacement card, and of the card itself. If you need the full credit card number, let me know and I would be happy to provide it. Thank you. 

Ps. If there are any issues with the images I provided, I apologize, and I would be more than happy to resend any of them or to send anything else that you may need.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 {$640.00} loan from XXXX XXXX  via a purchase of electronic equipment at XXXX. I did not approve the loan, I did not sign a document. I did not receive a validation code or a text, I did not receive an email. I reached out to XXXX XXXX and they claim they sent the documentation to an email address I have not used in over 25 years. They claimed I did receive a text but declined receiving. It is absurd. 

My son did purchase equipment from XXXX  on that date, while XXXX years old I gave him permission to use our XXXX card to buy an XXXX. Once learning that XXXX and XXXX used Predatory practice of solicited loans without documentation and utilizing old information with out the credit holders approval, I called XXXX. I did payoff the loan to stop the negative reporting. I asked XXXX  for an explanation and after several phone calls and letters/Email, they claim they did nothing wrong, that I did take out the loan by proxy, and even suggested that I should file a police report on my son. WOW.. .until then I did not realize how morally corrupt the bank practices were. Again, I did not approve a loan, I did receive a validation code, Never signed a document, nor received any paperwork, nor any mail for 4 months. 

My credit has 120 day late report from XXXX. I want it removed. XXXX bank is guilty of predatory loan practices. XXXX and XXXX took an opportunity to defraud the consumer utilizing a loan vehicle to sell more product. 

I have not had a late payment in over 20 years on any credit report and maintain excellent credit. The XXXX XXXX predatory practice is wrong and must be called out. I demand the late payment notification be removed from my credit report with XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, Equifax has committed multiple violations with my dispute with my XXXX XXXX XXXX account for payment made on time for the month of XXXX. After providing Equifax with factual proof of payment received and made on time multiple times Equifax continue to refuse to delete the inaccurate information on my account. CFPB please hold Equifax accountable for violating the Fair Credit Reporting Act. Multiple time with my dispute on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did online school at XXXX university after graduating can not find a job in the same field opened up my student loans in XX/XX/XXXX I was not making payments on my student loans because I was always in forbearance they cant sleep report 30 60 even 180 days past due I have never been late I have never started making payments till XXXX and Ive been current cents but stated on my credit report one month I will be current the next month Ill be 30 days past due then Ill be current again and then two months later Ill be 60 days past due then 120 days past due then 180 days past due this is all false information reported to the credit bureau There in the forbearance I followed all the guidelines that you were supposed to follow Ive called them several times for them to fix my credit report and all I get from them is excuses of why that its on their excuses they give me or incorrect and dont understand if youre not paying anything due to being in forbearance how that you can be late Ive been working with them for years trying to get this fixed please help thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Another name is showing up on my credit report. 

XXXX, XXXX, S Different addresses is reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I have transferred the to XXXX which was around {$30.00} dollar to my friend through world remit. But due to some reason the transaction was not completed and i had cancelled that transaction on XX/XX/XXXX. They told me that I will get my refund back with in 7 working days due to their policy. Its now more than one month and when i asked from them for the refund they told me every time that they have processed the refund and i will get my refund with in 2 days. This never happens. Everytime they make excuses when i asked them to give me and refund details like transaction code they also never gave me that. 
Now they are harassing me by making excuses everytime.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of thewrongperson.|
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts is reporting INACCURATELY it's reporting not as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. 

In accordance with the fair credit act XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXXXXXX # 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 or other personal consumer reports

I am requesting the verification of the completeness and accuracy of the XXXX XXXX account ending in XXXX as to payment history, the date of delinquency, and the charge-off date.
Product: Debt collection

Rash Curtis and Associates improperly reported a debt on my credit report to XXXX. I have never sent me an itemized bill for the debt they are claiming I owe XXXX XXXX, who is a former landlord of mine. In their correspondence they also never sent me information about what to do in order to dispute this debt. When I called on XXXX XXXX XXXX I requested an itemized bill and the contact information of the original debt holder, XXXX XXXX. They said they could not provide either. I insisted and they said it may take up to 2 months to get the itemized bill but that they most likely no longer have it. They said they were not authorized to give me XXXX XXXX ' contact information. Since there is not a record to verify the debt or amount and no way to contact the original debt holder it is improper that they reported this to a credit bureau. I wish to have the debt removed from my credit report immediately. <P/>XXXX indicates a negative account with XXXX XXXX XXXX It is listed as : Opened XXXX Last effective XXXX Reported XXXX High balance {$6600.00} Collection XXXX Balance {$9300.00}
Product: Debt collection

I continue to receive statements from my Synchrony-Care Credit despite the account being closed and paid in full as of XX/XX/XXXX. I have a statement, closing date of XX/XX/XXXX, stating there is a balance of {$4000.00}, including late fees. 
I have attached a copy of the statement and a copy of a letter from XXXX XXXX, Senior Specialist with Synchrony Bank 's Corporate Consumer Relations. This letter is dated XX/XX/XXXX and is her response to my first CFPB complaint, Case # XXXX. In this letter she acknowledges that the account has been paid in full, but she also notes that any statements I receive were done during the account settlement being processed. Why am I still receiving statements if the account has been processed?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX refuse to place fraud alerts on my credit bureau accounts and freeze all inquirees and attempts to gain credit. I had alerts on all 3 to freeze my reports and apparently someone figured out a way to ignore that. 

Today I received word that there have been fraudulent attempts to apply for credit in my name at both Transunion and XXXX. 

I received notices from both XXXX XXXX and https : //opm.gov/cybersecurity that my identity was being compromised. I called one of the banks listed on the Transunion and found it was XXXX. I talked to XXXX in the XXXX fraud department reference number XXXX. They had a hard inquiry that someone attempted in my name. They deleted the record and reported the fraud to Transunion. They said they would send me a letter and that I should hear from Transunion in 30 to 60 days. Transunion refuses to take my calls and refuses to authenticate me online! 

Today XXXX notified me of 2 fraud attempts to gain credit on Experian. Same problem contacting them. info below : -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX Not sure what this is? Contact XXXX -- -- -- -- -- - XXXX obtained a copy of your XXXX Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone BYMAILONLY Address XXXX XXXX XXXX XXXX, OH XXXX Company XXXX Not sure what this is? Contact XXXX Please make all three credit bureaus ock my reports for 7 years! OPM notified me over a year ago that they had compromised military and civilian data to include mine. Clearly I am now a Identity Theft Victim.
Product: Credit reporting or other personal consumer reports

I do not recognize any of these reports and have asked the credit bureau multiple times to remove these from my credit report and no response. I am providing an identity theft report, requesting these to be removed as these are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I have received my credit report and seen that I had 9 hard inquiries that I have not filed applied for. Which are listed below and all of these are for an auto loan which I did not applied. I tired contacting all companies below with dispute letter, asking them to remove the hard inquiries the companies had added to my credit report and I have not received a answer back or nothing has changed on my credit report. 



XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXXXXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX  - XX/XX/2017 XXXX - XX/XX/2017 EXETER FIN - XX/XX/2017 XXXX XXXX - XX/XX/2017
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 has violated my rights. Or list of inquiries 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 XXXX 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: Debt collection

Sentry Credit , Inc. called my in-laws trying to collect a debt. My in laws nor their information was ever provided to any agency at anytime by me or on my behalf. They called my in-laws on Friday, XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

HYUNDAI MOTOR FINANCE, ,THEY ARE REPORTING INCORRECT INFORMATION TO THE CREDIT BUREAUS AND THEY SAY THEY ARE NOT RESPONSIBLE FOR IT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX – partial account number XXXX.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

My loan was originated with XXXX. In XXXX or XXXX of XXXX, my loan was sold to Nationstar XXXX who recently changed their name to XXXX XXXX XXXX. Leading up to the transfer, both XXXX and Nationstar assured me that there would be no changes to my loan terms. 

To make a long story short, Nationstar increased my monthly payment without telling me. I never received a phone call, email or written correspondence as to why this occurred. Since my loan transfer, approx. 5 months now, I had been making the same monthly payment I was making to XXXX, but to Nationstar. Unbeknownst to me, since the payment went up, they were holding my payment in unapplied funds and not crediting my actual mortgage payment to the principal and interest. Again, I never heard from Nationstar about my " late '' mortgage payments. 

Upon discovering this, I was told that the payment went up because they did an escrow analysis and unlike most lenders, require a 2 month cushion. Again, that would be ok if this was told to me had I not discovered this on my own, many months later. I was told if I made a large payment straight to escrow, an escrow analysis could be run which would bring my monthly payment down. 

I have called trying to confirm the correct funds were applied to the escrow account, get an escrow analysis run and a new lower payment obtained. I am on the phone with Nationstar for propably the XXXX time in a few weeks trying to get this resolved. We 'll see what happens.
Product: Credit card

I received XXXX credit card denials for cards i didn't applied for, XXXX card that was granted that I never applied, and XXXX that asked for more info. 
I placed a fraud alert at XXXX and XXXX Denials : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Citizen 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
Product: Credit reporting or other personal consumer reports

Violations of Fair Credit Reporting Act Title 15 15 of the United States Code, Section 1681 b, commonly referred to as " 15 USC 5 1681 b, '' is a part of the Fair Credit Reporting Act ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon analyzing my most recent credit reports, I discovered that my personal credit file had been given inaccurate information. XXXX, XXXX, and TransUnion have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and have continued to report unverified information without providing the documentation needed by law. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following inquiries to be stopped : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX inaccuracies and intentionally reporting false balance, XXXX  ( XXXX XXXX XXXX XXXX reporting to the CRA s ( Consumer Reporting Agencies- XXXX, Experian and XXXX ) XXXX reporting amount balance of {$670.00} and the amount past due {$670.00}. 
Original creditor XXXX XXXX XXXX  reported to the CRA 'S on credit report XX/XX/year>, that the amount balance of {$570.00} and amount past due {$150.00}. 
See attachments. 
XXXX XXXX XXXX also reporting two accounts on my credit report. See attachment. 
Delete and remove these duplicate accounts immediately. 
XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX and Experian.
Product: Credit card or prepaid card

On XX/XX/2021 I contacted USAA Bank and requested a balance on my Credit Card account so that I can close out the account. USAA emailed me a balance of {$13000.00}. A few weeks later when I attempted to make the payment to close the credit card account with USAA the balance changed to XXXX. I paid the {$220.00} online and Overnighted a check in the amount of {$13000.00} the check was received and stamped in by USAA on XX/XX/2021 and returned back to me the same day. I received my check back on XX/XX/2021 and returned the {$13000.00} my XXXX the same day. USAA received my payment and did not close out my account on XX/XX/2021 they did not post my payment until XX/XX/2021. On XX/XX/2021 USAA charged me {$4.00} interest and is refusing to close out the account. PLEASE HELP!! I paid USAA {$13000.00}. 

XXXX XXXX XXXX
Product: Debt collection

On Saturday XX/XX/2024 Genesis Credit Management added an amount of {$5900.00} to my credit report. The company Genesis Credit Management never supplied purchase agreement nor ability to dispute. As of Tuesday, XX/XX/2024, the purchase agreement is being requested in its entirety.
Product: Debt collection

Have been trying to obtain verification of debt documentation since XXXX 2014. Bank of America has not provided anything, neither has their attorney. It has been XXXX months and this account si damaging my credit. There is no one to talk to regarding this debt.