23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Issues with Reporting by Wells Fargo Missing Data in Payment History : The payment history for this account contains multiple entries of ND ( No Data ), including critical periods in XXXX, XXXX, XXXX, and XXXX. 

For example, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX show missing data, and the months leading up to the charge-off date ( XX/XX/XXXX ) also lack proper reporting. This incomplete reporting violates 15 U.S.C. 1681e ( b ), which requires the maximum possible accuracy of reported information.

Timeline Inconsistencies : The last payment on the account was made on XX/XX/XXXX, but Wells Fargo delayed charging off the account until XX/XX/XXXX. Federal banking regulations require charge-offs within XXXX  days of the first missed payment. 

This prolonged charge-off timeline and lack of detailed reporting for this period raise concerns about potential regulatory violations and inaccurate reporting. 
Charge-Off Balance Discrepancy : The charge-off balance is reported as {$1200.00}, while the original credit limit was {$800.00}.

This unexplained difference of {$430.00} suggests that fees, penalties, or interest may have been added improperly. Wells Fargo has failed to provide a breakdown of the balance, violating 15 U.S.C. 1692f ( 1 ), which prohibits the collection of unauthorized fees.

Failure to Resolve Previous Disputes : The comment on my credit report states : " Account previously in dispute investigation complete, reported by data furnisher. '' However, Wells Fargo has not provided the required documentation to substantiate their claim of accuracy or address my specific concerns regarding missing data and discrepancies. 
Relief Requested I respectfully request the CFPB to : Investigate Wells Fargos reporting practices and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 
Require Wells Fargo to provide : A full breakdown of the {$1200.00} charge-off balance, including all fees, penalties, and interest. 

A corrected and complete payment history for the account, including all months currently marked as " No Data. '' If Wells Fargo can not substantiate their claims or validate the account details, remove the account entirely from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my account as late although I did send them the payment and the Late mark was due to a system error. When my XXXX account was sold from XXXX to XXXX I was never informed. Although I sent my payments in on time the payments were never applied because XXXX credit card switched back without my knowledge. This resulted in a late payment through no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bull City Financial Solutions XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX is using predatory tactics and fraudulently reporting the same account multiple times to the same reporting agency. My report was tagged 4 time for the same collection account by this firm on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax erroneously reported a credit card not belonging to me in my name. Equifax reported a 5 figure charge on this same credit card causing my FICO score to drop by 31 points. I reported the error to Equifax and they removed the card from my credit file ; however, they have failed to and refuse to correct the 31 point drop in my FICO score. This error including the FICO point drop was a direct and sole result of Equifax 's mistake. When I called their Consumer Care phone number the rep told me that Equifax no longer works with FICO and that they would not assist me with this issue. He then hung up on me. I faxed a follow up letter directly to Equifax but have not received a response. This needs to be correct. Their mistake is causing me both financial and emotional harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to get my three credit reports from annualcreditreport.com but kept getting a message on each site that I need to call and request a report. I called and ordered my credit reports and the following happened : - XXXX mailed a credit report print out - XXXX mailed a letter saying that I had requested a credit report once in the past 12 months so I would need to pay to order another one - TransUnion never sent a credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX regarding XXXX late payments theyre reporting on my credit. When the Pandemic first happened and I was financially impacted, I notified them and they told me my payments were suppose to be in forbearance. They assured me that they werent reporting late payments at all because of the XXXX XXXX of XXXX. Upon me checking my credit report the ending of last year, I seen they have reported as late payments. I have been contacting them via Mail and also over the phone. This is hindering me tremendously! Those XXXX years was very tough for me. Not only did I loose more than 50 % of my income but I lost my mother at the same time. I had to pay for her funeral expenses. I also told XXXX the same. They assured me that I wasnt going to be affected. But I am. I have improved my payment history since the world opened back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed that their were 3 inquires that were not mine. I contacted the credit bureaus. ( XXXX XXXX XXXX ) XXXX XXXX. To have the fraudulent inquiries removed. I was advised to get in contact with the company. I tried previous times to get in contact with these three companies with no response. On XXXX/XXXX/XXXX I also sent certified mail to these three companies advising the date my inquiries were pulled and that they were fraudulent and that they had 10 days to remove the inquiries. It has been past 10 days and I have yet heard anything for either of these companies, nor have these inquiries been removed. The three companies are 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Inquiry pulled on XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry pulled on XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry pulled on XXXX XXXX, XXXX I have done my due diligence to notify the bureaus. And the companies about these inquiries and nothing has been done. Attached is one of the letters I sent, I sent the same letter however changed the address on each and also attached is the certified mail receipts.
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 and confidentiality under 15 USC 1681. 

Account name : # XXXXXXXX XXXXt : # 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 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall it furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Trans Union about being a victim inquiry issue. I explained to them the inquiries on my account. They refused to move them and told me to wait two years like everyone else! I also reached out to every company that gave me the fraudulent inaccurate inquiry and they told me there was nothing they could do well! 

The inaccurate Trans Union inquires are as followed -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX i informed Early Warning Services & XXXX XXXX  that i was a victum of fraud they failed to block the information on my consumer report that is holding me back and not letting me move forth with my life. Being a victum of fraud and not getting the resolution in order to protect me the consumer is frustrating. Ive submitted an identity theft report and filed 2 cfpb reports and these companys are still not protecting me as a consumer. On the date of XX/XX/XXXX my XXXX XXXX  account was closed due to me being a victum of fraud, XXXX XXXX required me to pay a fee online to get in good standings with them again but I didn't have the knowledge on the action I needed to take in order to get help. Since then, a identity theft report has been filed and also a CFBP report. After my account was closed in XXXX the following years I got a job and was unable to do direct deposit due to being inside of early warnings system, its XXXX and I now applied to get an apartment and was unable to do so because the lack of an bank account and I know by law EARLY WARNINGS SERVICES IS IN VIOLATION OF MY CONSUMER RIGHTS, your services is meant to help consumers but I have not been able to move on with my life due to you guys reporting negative information when I was a victum of fraud. PURSUANT TO 15 USC 1681b STATES THAT THE CONSUMER REPORTING AGENCY DOES NOT HAVE PERMISSABLE PURPOSE TO REPORT THIS INFORMATION BY ME. TO REMEDY THE EFFECTS OF IDENTY THEFT THAT HAPPENED TO ME I DEMAND THAT YOU BLOCK THIS INFORMATION FROM MY FILE, I ALSO DEMAND THAT YOU ASK THE BUSINESS TO PREVENT XXXX XXXX FROM REPORTING THIS INFORMATION BECAUSE I WAS A VICTUM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and experian has a collection on my reports. thats not mine and they refuse to remove or delete. 
XXXX XXXX XXXX this account is not mine. 
i was not notified of this account. i was not asked to validate if this account was in fact mine. there is no signed contract between me and XXXX XXXX XXXX. with my wet ink signature stating i was/in agreement to pay this collection. this collection is not mine. must belong to someone else with the same name. i couldve been involved in some sort of data breach or cyber hack.
Product: Credit reporting or other personal consumer reports

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past 2 years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past 2 years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to XXXX, XXXX or XXXX. Additionally, I would like to bring to your attention that under the XXXX XXXXXXXX XXXX XXXX XXXX 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
It has been well over a year since XXXX completed its investigation and removed these erroneous accounts in may of XXXX XXXX has completed its investigation, including contacting the furnisher of the information. The results of the investigation were provided to XXXX and XXXX in several complaints yet they both completely failed to conduct a proper investigation or comply with FCRA STANDARDS, entirely refusing to fix these issues, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I ask that you remove this erroneous account from my credit report immediately. Account XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX MORTGAGE XXXX This account was NOT A FORECLOSURE! This account was " Settled for less than full balance ''. 
REMOVE ALL FORECLOSURE VERBIAGE OFF MY CREDIT FILE AS THIS WAS NOT A FORECLOSURE OR DELETE THIS ACCOUNT OFF MY CREDIT FILE IMMEDIATELY!! 

Please see supporting documentation attached.
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. 


Account name : Untitled Account Number : 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 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

To Whom It May Concern this is my 4th complaint against Nationstar Mortgage. This has been a continuing issue with Nationstar not completing the request. During the last statement I needed resolution for Nationstar to reimburse funds to me after the representative applied funds to the wrong banking information which cause an multi over draft issue. It cause the account to be revolving for the entire month of XXXX. Requested forms was sent and still I have not receive reimbursement. In Addition I requested an payment history from XXXX to the present XXXX XXXX. During the transfer from XXXX XXXX XXXX to Nationstar we were in a modification. I am requested the entire modification package and all forms.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Social Security Number : XXXX XXXX : XX/XX/XXXX Content of Complaint : This complaint has been filed with the CFPB to formally request, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), that XXXX XXXX XXXX XXXX, and Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud. According to the provisions of this law, you are required to block such information within XXXX business days of receiving this request. The fraudulent, inaccurate, and false information includes personal credit accounts and records, specifically : 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 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  Date Opened : XX/XX/XXXX Additionally, these fraudulent accounts have resulted in multiple unauthorized hard inquiries and collections being reported on my consumer FICO credit report. 

It is also important to note that the presence of this inaccurate information conflicts with the broader provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which require the accurate and fair reporting of consumer credit information. This request is made in accordance with FCRA XXXX and the general principles of the FCRA, without invoking or relying on the dispute procedures outlined in 15 U.S.C. 1681i. 

I have attached the following supporting documents for your review : A list of the hard inquiries in question. 
A copy of my consumer FICO credit report maintained by XXXX showing the fraudulent items. 
A copy of the FTC Identity Theft Report ( Criminal Complaint Number : [ Insert Number ] ) confirming the identity theft. 
I do not recognize the aforementioned accounts, collections, or hard inquiries. These were not opened, initiated, or authorized by me. All are the result of identity theft and fraud. 

In accordance with FCRA XXXX, I request that XXXX take immediate action to block this information from my credit report and confirm once the corrections have been made. Additionally, I request that all written confirmations regarding this complaint be sent to me via email at the address provided herein. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a final goodwill attempt to have you clear up this matter. 

The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : Account Name : Creditors Bureau Association Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Also, I would like an updated copy of my credit report once this investigation is complete. 

Thank you,
Product: Credit reporting or other personal consumer reports

I received a letter from XX/XX/XXXX about a finance contract that I entered creating securities in that contract that I was told by false advertising that I would be approved for sore down on a line of credit for a phone or other services for their company so I entered into that contract giving ssn and signature to fund they account but was then told to to my credit score I had to put a down payment to get the service I already funded wit my financing contract signed. The letter from XXXX stated that do to a report and information they received from LEXISNEXIS, XXXX XXXX XXXX ATTN LEXISNEXIS XXXX XXXX, XXXX, GA XXXX, it influenced their decision on making me put a down payment when under the us code 15 USC 1662 & 15 usc 1611 state that a down payment in a consumer credit transaction is illegal and the finance charge is the some of all charges
Product: Credit reporting or other personal consumer reports

I am disputing a XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) charge off on my credit report i have provided documents that showed i was XXXX during the time this account was opened and closed and i filed a FTC Police report.. i was sentenced to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so there is no way i could of opened this account if i XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.
Product: Credit card

American Express first rewarded me with XXXX points for meeting the minimum spending. Then they took away from me accusing me not meeting minimum spending and previous had the card, which are both not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am the primary mortgage holder/signer/payer for my mortgage with Mr.Cooper Mortgage company for my property. My loan # is XXXX. My mother, XXXX XXXX is the co-signer to this mortgage although she is not the payer, I am. My mother is not on the deed of this property but only the co-signer. She has filed bankruptcy but my mortgage is now frozen and Mr. Cooper representatives will not discuss my acct with me because the co-signer, my mother, has filed bankruptcy. I have not filed bankruptcy and I am the one who maintains the loan. Her lawyer told me this is a violation and considered " Underhanded punishment for filing bankruptcy '' and that I need to file a complaint
Product: Debt collection

It has been the last 2 years of me requesting Debt Validation ( FTCA section 609 ), filed theft affidavits that showed my XXXX XXXX credit cards was stolen and used at the time and I was not legally responsible. Portfolio Recovery Associates has passed the buck and said they would get back after investigation for 2 years. I have emailed XXXX XXXX and now about to seek legal action. This is my final attempt to resolve this inaccurate credit report. I have lost my job behind this and now have anxiety and stress related to this collection agency. I have never received by signed signature in any transactions as requested. I was sent a statement by XXXX  which clearly isnt what the law requires when validation of a debt. Especially when. Y card was stolen. At the same time was XXXX XXXX was compromised and they are doing the same thing with this passing the buck to some Attorneys that forced me to pay {$200.00} and never reported it or validated they would help from my stolen cards.