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

My concern is why there is a discrepancy in the information that these companies use to create you FICO score. Ex. XXXX XXXX with XXXX is 6 yr. 1 mo-Trans 4 yr. 3 mo. 
Credit Card use XXXX is 5 % -Trans is 7 %. Hard Inquiries XXXX  is 1-Trans 3. Total accounts XXXX is 33-Trans is 27. Shouldn't this information be the same? There is quite a gap in the FICO scores as well. XXXX  is XXXX and Trans is XXXX. 

I hope you can help me with this. 

Thank you, XXXX
Product: Checking or savings account

I have a Savings & Checking Acct with Wells Fargo. Their online service does not allow me to reset my Online password as they ( Wells Fargo, Online support ) acknowledge the existence of a technical glitch, where if the client does not have a debit card, it will not allow the user to reset their password online without having to call in causing unnecessary aggravation and loss of time to the client.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this letter as my formal complaint against XXXX XXXX who has not placed a notice of dispute on my account within 30 days of my dispute. 

I have sent a certified/return receipt dispute letter to XXXX XXXX requesting verification of balance owed on the closed account. This dispute letter was received by XXXX XXXX on XX/XX/2018. I sent another certified/return receipt letter informing XXXX XXXX that the notice of dispute was not furnished to the credit bureaus. This letter was received by XXXX XXXX on XX/XX/2018. 

XXXX XXXX  has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

They are liable for willful noncompliance, as per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( i ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Product: Mortgage

XXXX, 2015, I submitted a mortgage payment in the full amount owed of {$1900.00} on XXXX XXXX, 2015 to Carrington Mortgage, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. With previous months being current, this payment was to satisfy XXXX 's required principal, interest and escrow payment in full. Although late fees remained unpaid at this time in the amount of {$73.00} for XXXX non-sufficient ACH returns, the full amount of {$1900.00} was received, tracked and debited from my account by my credit union, but not applied to my XXXX balance with Carrington Mortgage. This action caused my account to become XXXX days past due and Carrington Mortgage submitted this payment history to the credit bureau. Upon further verification through my credit union about the payment in question, it was confirmed that {$1900.00} was in fact paid to Carrington Mortgage on XXXX XXXX, 2015. In a good faith effort, I made no fewer than XXXX calls in the month of XXXX and XXXX to Carrington Mortgage 's customer service department and to their immediate supervisors to resolve this matter. The constant response was to deny that XXXX 's payment was ever received and that my best resolution would be to work with my credit union. On XXXX XXXX, 2015, following the instructions of Carrington Mortgage, I submitted a Written Statement Of Unauthorized Debit to receive the {$1900.00} in the form of a credit back into my account so that I could withdraw official cashier funds to re-apply XXXX 's payment to my account. Ironically, XXXX 's payment of {$1900.00} was now due, but still within the grace period were no late fees were assessed. Again, in good faith, I withdrew {$4000.00} total on XXXX XXXX, to cover XXXX XXXX, XXXX and any other fees outstanding on my account. On XXXX XXXX, Carrington Mortgage acknowledged receipt of these certified funds, but chose to apply them in a manner that now reflected an outstanding balance for XXXX, 2015. After several more calls between XXXX my credit union and Carrington Mortgage, I 've concluded this is my final option for recourse to insure the funds I paid are applied correctly and that any negative credit reporting be reversed from my records.
Product: Credit card or prepaid card

The company, Capital One, reported me late for a fraudulent charge in XX/XX/2020. The company has since reversed the charges but has not corrected the issue with the credit bureaus. This is a problem and I need it corrected immediately.
Product: Credit card or prepaid card

Ive been a customer for several years & I've always paid on time & the full balance. Well for the past few months they have been charging me interest on something that has already been paid for. I talked to a rep & they couldnt figure it out to explain it to me but they know theres a problem. I closed the account cause I dont trust them anymore. It goes back to XX/XX/2018 till now.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Student loan

I've been sitting on school loan from the XX/XX/XXXX 's which originally was {$7500.00} that I have been paying on and off. But due to life circumstances it's now pushing {$30000.00}. The Fedlaon can't even give me on how much I've paid into this for the last 30+ years because its changed so many different hands. It started as a private loan, that much I know. I've reached out over the years for information and can not seem to get any details so I just keep applying for forbearances as the principal continues to grow and grow. 
My Circumstance ... 
My wife and I lost our only son back in XX/XX/XXXX. ( XXXX, XXXX XXXX ) We went through a hell of a court battle through the Florida court system all the way to the FL Supreme Court where we eventually lost but, my wife and I are survivors and realizing after years, it's now our cross for the rest of our lives. 
I'm XXXX years old and lost everything when my son passed and at the time, I couldn't care less. Now getting back on my feet slowly and hopefully I can have some kind retirement and definitely sleep a little better with this monkey off my back. 
However, there has been a good thing come out of this tragedy, my wife and I played a very influential part and passed House Bill No. 67 in XX/XX/XXXX that XXXX XXXX signed cited as the " Gordon and Miulli Act Its a defibrillator law for schools and park districts in the state of Florida. It was all my son needed to be saved.. ( Again, XXXX XXXX XXXX or the XXXX XXXX XXXX ). In which case should be considered a Public Service of some kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulant reporting of negative information and iquiries on my Personal Identity report with Chex Systems.
Product: Credit reporting or other personal consumer reports

Why don't I have a FICXXXX SCORE? I also went to www.experian.com/upload to submit my documents and or my supporting your claim electronically to no avail.
Product: Debt collection

This complaint was submitted previously complaint number : XXXX In the previous complaint the creditor stated a letter was sent to all three bureaus to have this deleted from my credit report ; however, this is still reporting on ALL 3 bureaus. I would like the letter to be sent directly to me as well as the reporting agencies. I think enough time has been allowed to get this removed.
Product: Debt collection

In XXXX of XXXX I was contacted by NCB stating I owed a debt for a cash advance and they now owned it. I was unsure of the debt, as the only one I had knowledge of taking out was paid off years ago. I requested information on the debt be mailed to me. I recieved nothing. I did not hear from them again. Not even information on their company or my rights. In XXXX of XXXX I recieved a notice that there was a collection account on my credit report and my score dropped XXXX points. Despite them not providing me a validation notice or the validation I requested. I filed a dispute and sent them another request for validation of the debt. I tried to call and talk to someone but they said no one was available and to call back later that day. They finally mailed me the original agreement I signed and a very basic financial record to close the dispute on my credit report. I contacted them again and requested more validation of the record, because it didn't show any of the details for the advance or payment information. I am still waiting on it to see how to progress.
Product: Credit reporting

XXXX inquires from XXXX XXXX that were not authorized. I have disputed them in writing with no response.
Product: Debt collection

Someone stole my identity and using my name in vain and i am being XXXX  by this company .This is a fraud account and not mines.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and/or unverifiable information that remains on my credit report despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, data furnishers are required to conduct a proper investigation and report only accurate and verifiable information.

After multiple requests, companies below has failed to provide documentation validating the accuracy and legitimacy of the disputed account ( s ). As a result, their continued reporting constitutes negligent non-compliance with the FCRA.

The following account ( s ) remain inaccurately listed on my credit report : Account Name : XXXX XXXX XXXX XXXX NCB Management Service Dispute Reason : incorrect information / no knowledge of these accounts Request for Immediate Action 1. Remove the inaccurate information immediately. If the furnisher can not verify the accuracy, the account must be deleted from my report.

2. Provide me with a copy of the documentation used to verify the accuracy of the reported information.

3. Notify me in writing within 30 days with the results of your investigation, as required under the FCRA. 

Failure to comply with this request may result in legal action, as the continued reporting of inaccurate or unverifiable information violates federal law. I expect prompt attention to this matter and appreciate your cooperation.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX is reporting unauthorized inquiries, collections, late payments, names, addresses, and phone numbers on my credit profile. I am a victim of identity theft from multiple people stealing my information. I have reached out to these credit bureaus numerous of times and havent gotten a response. They only update the accounts as meeting FCRA requirements without doing the proper investigations. The XXXX XXXX  XXXX XXXX , XXXX XXXX police department, and XXXX police department are all aware of the fraud that has been committed against me and also have fraud reports from me. Also the supervisor at the social security office in XXXX Texas informed me that someone has been using my social to work in Wisconsin and I have never lived there before. I have also reported this to the FTC office. I am disputing all collections, late payments, and inquiries from XXXX, XXXX, and transunion. Also I should only have one name, one address, and one phone number on my credit profile according to the FCRA. The fraudulent information on my credit report is very detrimental to my character and has caused me not to be able to obtain credit. I am going to attach a copy of my FTC report on this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 fraudulent inquiries on my credit report, I dont give anyone permission nor did it place them on my credit report also I have. I have 3 fraudulent addresses I wont removed XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX
Product: Credit card or prepaid card

I signed up for a credit karma account a couple months ago and I asked for their credit Karma spend account debit card to be sent to me in the mail. You can load funds onto the card and use it as a normal debit card. I am a recipient of unemployment and I asked for my unemployment benefits to be direct deposited into my spend account through credit Karma. There is a substantial amount of funds in the account however credit Karma has locked my account and not giving me any reason as to why they would do that or continuing contract with me. The stopped speaking with me after an hour of trying to resolve the issue.
Product: Debt collection

The aforementioned credit collection agency representing The XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Midwest Recovery Systems does not have any documentation, they need to retract this from my credit file immediately.
Product: Debt collection

I received a letter in the mail stating that I owed {$120.00} to A1 collection agency. I verified the amount with the creditor, because I never received a bill for the amount they were requesting, and they confirmed that I do not owe anything, and the debt doesnt exist. This was validated in writing. I then sent this validation to A1 collection agency, and they continue not to send me validation of the debt, my signature, stating that I agreed to pay the debt, or agree to stop harassing me. They use unethical practices to try and get consumers to sign up for a portal system that I do not believe is entirely secure, allowing them to delete messages in alter the facts. Or just deleting messages they dont agree with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a notification from my credit card company that a hard inquiry was done on my credit report. I have not authorized this company to pull my credit. I do not recognize this company. 
Klarna/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson Capital System- I do not know these people nor have I received any response to my letter, they are calling and harassing me, and I have no clue how you are! 

You state that I owe XXXX on my credit report. I have been with XXXX for years! I do not owe XXXX ANYTHING! IF SO HOW COULD I BE AN ACTIVE CUSTOMER? They have no proof, contract NOTHING! 

In addition, they lied and said the account was opened back in XXXX! That is fraud because I have NO business with this company. 
I want this off my credit or I will reach out to my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint 60 days ago and still have not received a response back from any of the bureaus, they have been closing my complaints by sending back authorization of verification when I have sent all documents with all Identification including : Drivers License, Social Security Card, and Proof of Address, this has been more time than allotted to respond, please delete all accounts not verified at once, I feel I am being ignored and if I send another letter this will go no where. Please do not respond with anymore authorization for verification, I feel this is a stall tactic to gain more time for not doing your jobs correctly, I have supplied all items needed for the investigation to take place, and you have neglected to do so. I am not just another nobody, this is affecting how I live my life. 
Complaint numbers as follows : XXXX : EQUIFAX XXXX : XXXX  XXXX : XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has placed false information on my reports. XXXX Credit Bureau has removed bogus information however, XXXX and Equifax keeps updating information after knowing the company has changed open dates several times. This has been confirmed by several representatives. I'm an XXXX and have to make phone calls during XXXX XXXXXXXX to try to correct this issue. I had no negatives on my reports and this company has stated they purchased this debt from another third party. They first reported bogus information of XX/XX/XXXX and have since changed to XX/XX/XXXX. After contacting this company and told to them I've never had an account with them and wanted more information. I found out from a second representative this is an account from XXXX. I do not owe a balance with XXXX. After explaining this to the Credit Bureaus I was told by both companies an investigation would take 30 days only to receive an update the account was verified after a few days. I can not dispute over phone now nor in the past with XXXX. XXXX instead of deleting account, they have changed status on my account showing a note consumer disputes account. Equifax shows negative account with note ( for XXXX ) next to XXXX this is clearly against FCRA regulations and my rights! I want this bogus information removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Wise XXXX XXXX XXXX XXXX XXXX I have an closed account from XXXX XX/XX/year>, their team is already decided my account has been closed and will make refund on XXXX XX/XX/year>. 

Before my account was closed, I still had about XXXX usd. Wise give me final decision that they will not make refund to me. Which is a very serious matter for a financial institution. 

Based on the above evidence, I suspect Wise is defrauding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a credit alert on XX/XX/ 2023 that Wells Fargo Home Mortgage out of the blue decided that my XX/XX/2023 payment was late and reported it to all three credit bureaus. The XX/XX/2023 payment was paid on time as well as the XX/XX/ 2023 and XX/XX/ 2023. I have no idea why they arbitrarily decided to just update the credit report two months later and change all three reports from current in XXXX 2023 to late and 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I applied for refinancing on our mortgage. We were told that there was an account with Ally Financial that was showing closed in XX/XX/2019 with an outstanding account. We notified Ally but are not satisfied with our inquiry. They have updated the account as of XX/XX/XXXX but we have not been given a reason as to how the mistake was made. We should have been receiving positive points on our credit score for the last 7 months and have not. This needs to be reconciled.
Product: Checking or savings account

This bank after having a mma and cd before, has continuously denied me from opening an account. They have no solid evidence to deny this. I have reached out to XXXX as I have a clear and clean record, and I have a perfect 800+ credit score with no freezes nor fraud alerts on my credit reports. This bank needs to be investigated as to why they refuse to allow me to open an account unless its because they are discriminating against me for my support of the XXXX XXXX XXXX XXXX XXXX which most banks hate. I have consistently XXXX to XXXX XXXX XXXX and XXXX XXXX presidential campaigns with the XXXX XXXX which is disclosed on tax forms. The bank would have knowledge of this and this is why after having closed my previous accounts they refuse to allow me to open a new account. As mentioned above there is no solid evidence with XXXX or the credit agencies as to why midfirst ( Vio-Bank ) deny the accounts from being opened.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint and there is no third party involved. The Fair Credit Reporting Act 15 U.S.C 1681 section 602 states there is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. TransUnion, XXXX, and XXXX are consumer reporting agencies and I am the consumer. My rights are being violated by having my private information shared and I want it to stop as per 15 U.S.C 6801 which states It is the policy of theCongressthat each financial instution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information ''. XXXX XXXX XXXX account number XXXX has violated my privacy rights and 15 U.S.C 1681 Section 604 A Section 2 : which states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer whom it relates. XXXX XXXX XXXX and the consumer reporting agencies TransUnion, XXXX, and XXXX do not have my consent to furnish this information nor my written consent. Any and all consent to TransUnion, XXXX, XXXX, and XXXX XXXX XXXX whether it be verbal, non-verbal, Written, implied or otherwise is revoked. XXXX XXXX XXXX are also in violation of 15 U.S.C 6802 ( b ) ( c ) as they never informed me of my right to exercise my nondisclosure option. The XXXX XXXX XXXX account number XXXX in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S.C 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 - 313.9 and is currently in violation of said legal authority. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures as 15 U.S.C 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.