23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Due Diligence from XXXX was not performed on my credit report related to XXXX XXXX XXXX accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX. I asked it to be removed from my credit reports based on the Independent Foreclosure review performed by the Office of the Comptroller. Per this review, the Office of the Comptroller concluded that XXXX XXXX XXXX practiced " deficient mortgage servicing and foreclosure processes. '' As due diligence does not appear to have been performed by any of the CRAs on this matter, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information based on " deficient mortgage servicing and foreclosure processes. '' caused me to be denied employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past 3 months, I have tried at least 2-3 times to  get an invalid trade line, being reported by XXXX XXXX, removed from my Credit Reports. However, despite the conclusive evidence that I have sent in, XXXX Equifax,  & XXXX  will not remove this trade line because they are in bed with XXXX. 

Anyhow, I have also disputed this trade line directly with XXXX and they refuse to delete it. Fortunately, XXXX sent me a printout of what they consider to be validation of the debt. However, this printout clearly contradicts my payment history. 

For the billing period XX/XX/2018 to XX/XX/2018, the docs sent to me by XXXX claims that I had a previous balance of {$380.00} and no prior payment was received. However, I have attached the email from XXXX showing that I made a payment of {$100.00} on XX/XX/18. Cell phone bills are paid prior to the billing period!! 

Furthermore, XXXX isn't reporting the last payment date or when the account became delinquent. 

I have attached to this complaint my last 3 payments to XXXX along with the bill summary that was sent to me by XXXX as debt validation.
Product: Credit reporting

I closed an XXXX account in 2012 due to I have no signal in my house. I returned the cellphones and was charged a re-stocking fees, XXXX credited my account for the amount due to me, later a received an statement reflecting a debt. I returned to the XXXX store and the manager understood the matter and gave me adjustment form and noted the charges did not apply. Some time later I received another statement and returned to XXXX and explained this all over, I got another adjustment form noting I was penalized incorrectly and told me this was resolved. 
Then, At the beginning of this year I received a letter from Enhanced Recovery Company ( ERC ) LLC collecting an amount for ATT, I responded with a package of all documentation exonerating me from the debt. I never received a clearing letter from the collection company XXXX. 
On Thursday I checked my credit score and realized this account is still reported as on collection on the credit agencies. I contacted the collection company ERC and resend all information, today I received an email were ERC says they returned the case XXXX. I call XXXX customer service and financial office and no one help me. I ca n't get to the right office XXXX to clear my name, in the mean time my credit is affected and I ca n't get XXXX to engage in a conversation to clarify this since XXXX representatives told me that they can not help me since the account is close and there is zero balance. 
I need help in having XXXX clearing their mistake and clear my record, since XXXX in 2012 I have tried to correct it and provided XXXX all the information about this matter, no one has even look at it nor responded to me. 

See attachments. 


Thanks, XXXX XXXX XXXX
Product: Bank account or service

I attempted to close an account in XXXX 2015 because I had automatic payments I could n't get stopped. I brought the account to a zero balance as I was told, but the account did n't close.I would deposit money to the account to again bring to a XXXX balance but still would n't close.Bank of America took money from my mother 's act to bring to a XXXX alance, but they still have n't closed it.Eventually the brach call the back office last month, they put stop payments on all the automatic debits, but the keep coming out. I was told to call the phone center for my fees and they basically laughed at me. I asked to speak with a manager who need called me back.Called the branch and they wo n't reverse the fees because it would count against their branch. Today they have taken {$92.00} from my regular account to put in the account that is overdrawn with automatic payments still coming. I have emailed the CEO, but I doubt I will hear anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts, # XXXX XXXX  XXXX XXXX XXXX, # XXXX XXXX/XXXX  XXXX, # XXXX XXXX  XXXX, # XXXX XXXX  XXXX/XXXX  XXXX, # XXXX PHEAA/XXXX  XXXX  XXXX, and # XXXX PHEAA/XXXX  XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XXXX Wells Fargo allowed a man to wire transfer XXXX out of my checking account unauthorized. The account was my own, and I was the only authorized user on the account. I have started four investigations with Wells Fargo and they have lost claim numbers and did not finalize investigations. I addressed Wells Fargo how a wire was done without an identification, and I was informed a pin was used and all they needed was my account number. Secondly,, I asked Wells Fargo how a large amount of XXXX was transferred at one time because that exceeds the daily limit transfer. The man who stole my money, and forged my signature, was my ex husband therefore, I assume, Wells Fargo is not taking this matter seriously. I have contacted the FBI and the bank in which he deposited my money into. His name is on my statement showing the wire transfer into his bank account which was a totally different bank. This is all illegal including the banks conduct. The bank refuses to put a hold on the money and will do nothing to assist me.
Product: Debt collection

This debt was settled for {$1200.00} on XX/XX/XXXX and had a zero balance. The company proceeded to garnish my wages and took {$140.00} from my paycheck on XX/XX/XXXX. 
I contacted ecmc at least 3 seperate times by email after XX/XX/XXXX regarding the garnishment and the only response I received was asking for the fax # to my hr. Which I provided but ecmc should have already had as it was on the copy of the paperwork my employer sent. 
I finally received a response on XX/XX/XXXX stating that they have not received the payment and to " check back '' without a specific time frame provided. 
This garnishment should have never gone thru on the XXXX since my account was already settled in full on the XXXX.
Product: Credit reporting or other personal consumer reports

there are hard inquiries on my credit report i did not authorize..sent out dispute letters to all XXXX credit bureaus no thing is being done about it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is outrageous I just recieved a letter an i will attach all my proof that experian is refusing to correct my credit report stating that I need to submit my documenation as in proof WHEN I DID VIA REGISTERED MAIL WHICH THEY SIGNED FOR ON XX/XX/XXXX I HAVE THE RETURN CARD AS PROOF THIS IS ILLEGAL AN I WANT IT FIXED AN I WANT THIS DONE NOW!!! THIS IS A FEDERAL VIOLATION A DIRECT FEDERAL VIOLATION AN I AM GO TO SUE. IM SICK AN TIRED OF THESE GAMES
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an erroneous credit information but I still have ITEMS left that needed to be removed. This is my new complaint that I was the victim of problems caused by inaccurate credit information. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are erroneous credit report entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XX/XX/XXXX. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bear my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit information. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediately corrective action to remove or amend the disputed accounts, as Experian inaction violates federal laws and my rights as a consumer.
Product: Credit card

I went to US Bank on XX/XX/2024 and asked about a personal loan, and maybe a credit card but I did not approve a credit card to be opened and was explicitly clear I did not want anything unless I got the loan approved for the amount I wanted. The banker had an accent and I had issues hearing them but I never approved anything for a credit card. 

It was a Friday afternoon so the underwriters had likely already gone home, I wasn't able to get a confirmation on anything by the time I left the bank. 

I received a call the next week asking to call the banker back, but I never contacted them or went back to the branch to approve anything. 

The credit card amount is XXXX the amount I was requesting for a loan, and serves no purpose other than to pad the bankers weekly numbers. Having previously worked at a bank I'm familiar with the XXXX  tactics these XXXX  managers try to force on their employees. The manager at that XXXX XXXX XXXX, XXXX XXXX, CA XXXX branch needs to be investigated.
Product: Checking or savings account

I received a text message as well as an email from capital One company stating that I updated my phone number. I do not have any accounts at all with capital one. I called the company and explain this to them and they closed the accounts. All they would tell me was that it was a checking or savings. I have received the letters from capital One that state they close the accounts for eight different accounts.photos attached. 
In XX/XX/2021 someone tried to obtain unemployment benefits using my Social Security number and my name. The unemployment office contacted my employer who assured them that I did not have any unemployment claims and I talked with the department of unemployment regarding this matter. I also filled out the necessary forms in whatever government agency I was supposed to and never heard anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from JPMCB CARD on XX/XX/2021. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from JPMorgan Chase and I have been injured.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX  XX/XX/2019 XXXX XXXX  XXXX GA XXXX to run an inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have 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 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 

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

15 U.S.C. 1681 section 602 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: Money transfer, virtual currency, or money service

I obtained finally from XXXX XXXX XXXX claims XXXX Illinois after years of fraud activity and requesting my personal owned solely XXXX XXXX policy in my names insurance policy of 35 years. I am submitting the research of many years of identity theft to bank of America na to assist me in identifying a locating my identity thief of over XXXX  to XXXX   XXXX dollars of my solely owned life savings settlement monies and other funds acquired thru my XXXX  years of life in the USA. At this point there are 3 bank of America bank endorsements in 3 copies of cancelled checks issued to me in my solely owned names or escrow accounts at law firms. Bank Of America they are as follows # 1 check Issued {$2000.00} check Insured XXXX XXXX issued to XXXX XXXX XXXX Bank of America, Na BAL XXXX XXXX XXXX XXXX XX/XX/XXXX With 2 overlapping entries of XXXX XXXX See attached screenshot to correct numbers if needed. 
# 2 check Insured XXXX XXXX Issued to XXXX XXXX and XXXX XXXX For {$100.00} BANK OF AMERICA NA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX # 3 check insured XXXX XXXX issued to XXXX XXXX and XXXX XXXX For {$90.00} BANK OF AMERICA CAR XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX THEY ARE ATTACHED to my cfpb continued search to recover from identity theft registered with the FTC and finally confirmed by the OCC this year of XX/XX/XXXX via their XX/XX/XXXX letter after reporting fraud and identity theft ( since XX/XX/XXXX XX/XX/XXXX well documented with all major credit reporting agencies. ) Regarding over 22 fraud requests for credit in my names thru XXXX XXXX XXXX XXXX XXXX NEVADA from XX/XX/XXXX thru XX/XX/XXXX.
Product: Debt collection

Midland Credit management company has repeatedly sent mailing notices about an alleged debt. I have received multiple mailings over the last few years. I recently started to keep them. The notices also, state they can not sue me but will continue to effect my credit until I pay them. 
Dates of their letters : XXXX XXXX XXXX XXXX XXXX I also have a letter from when they tried to sue me, but it was dismissed. 

I sent validation letters to the credit bureaus asking them to send proof/ validation of debt, I have yet to receive any sufficient proof of debt. They also failed to remove the information from my credit report during the " investigation process '' while trying to validate my debt. 
They have provided no substantial proof of debt. Nothing with a signature, contract or any other information that states I owe this company any money. These actions were taken over the last few year and I do not have dates for these letters. I did not know I was suppose to keep track of this information. But I'm sure they have record of the disputes on file. 

The alleged debt amount is {$2300.00}.
Product: Debt collection

USA Funds did NOT address my issue at all. I asked a statement showing how my tax refund offset was applied to the defaulted loan ( principal and/or interest ) and they failed to provide evidence. The figures on the attached pdf do NOT match the figures on the department of education 's website. I have statements/evidence from the original loan holder showing how much the loan was sold to USA Funds for and this does NOT match with the figures on the attached pdf. USA Funds has failed to provide any evidence and is using false information in the attached pdf.
Product: Debt collection

I have adverse collections on my XXXX Credit Report that I do now owe. Its from XXXX XXXX ( XXXX ) in the amount of {$4300.00}. I have never heard of this company before. It says it was opened in XXXX without my knowledge & was sent to a collections company by the name of Radius Global Solutions LLC in XXXX. I have never been contacted by neither & I havent contacted neither. I think its fraudulent because {$4300.00} in telecommunications doesnt make sense. Im currently trying to buy a home & this shouldnt be on my credit report because it doesnt belong to me.
Product: Credit reporting or other personal consumer reports

Sent dispute audits on XXXX, XX/XX/year>, XX/XX/year>. Credit Reporting Agency did not provide what was asked for and repeatedly sent stall tactic letters as responses of collection company verifying account without verification or validation being provided. collection company still in this over a year of attempting to resolve directly has not provided what is needed to continue to actively report. credit reporting agency did not receive any true validation or copy of such.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate reporting of late payments by XXXX XXXX XXXX XXXX  on my credit report. Despite my attempts to dispute this issue directly with the bank, the incorrect information remains on my credit report, negatively affecting my credit score. 

The details of the issue are as follows : Inaccurate Late Payments : XXXX XXXX XXXX XXXX  has incorrectly reported late payments on my credit card account, even though I have made all payments on time. These incorrect late payment entries are adversely impacting my credit profile. 

Disputes Not Resolved : I have attempted to resolve this issue directly with XXXX XXXX XXXX XXXX by [ briefly describe your attempts, e.g., disputing the late payments with the credit bureaus or contacting the bank directly ], but the errors have not been corrected, and the inaccurate information remains on my credit reports with XXXX, Experian, and XXXX. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX XXXX XXXX corrects the inaccurate information on my credit report. I also request that the bank be held accountable for their failure to correct these inaccuracies, which have caused significant harm to my credit score. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need further information or documentation to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts listed below as 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 XXXX XXXX XXXX 

15 U.S.C section 604 A. States consumer reporting agency can not furnish an account without my permission.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer report ing agency the persons knows or has reasonable cause to believe the the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. Experian, XXXX and XXXX are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts,  names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XX/XX/2019 and accounts are still reporting fraudulently. 

XXXX/XXXX XXXX  XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX ACCOUNT # XXXX AMOUNT {$2200.00} XXXX XXXX, XXXX ( ORIGINAL CREDITOR : XXXX ) ACCOUNT # XXXX AMOUNT {$740.00} XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX COUNTY FAMILY DIVISION ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX PA XXXX