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

On XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I have contact all three credit bureaus ( Transunion, XXXX, and XXXX ) about a number of accounts. The first contact, I was advised they verified the account and they provided no proof of how these accounts were verified. The following XXXX letters ( XXXX, XXXX, and XXXX ) I requested for proof of what they used to verify these accounts and they have failed to comply with that request. They all have sent the same computer generated response and that was that the accounts were verified. I do not believe these accounts were mine because I have contacted the original creditors and they advise they didnt have any information. So I am now asking the CFPB to assist me with getting this resolved since the bureaus arent willing to help. 

The accounts in question are : XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX. Account # XXXX XXXX. Account # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681XXXX the late payment information is incorrect and is causing hardship Account type : credit card Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type : Credit Card Account name : XXXX XXXX XXXX  XXXX XXXX Account number : account ending XXXX. Has Violated my rights. and this Company wouldn't accept or post my payments. 

15 U.S.C. 1681 SECTION 602A States I have a 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. 

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 Reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
These inaccuracies are stopping me from getting new credit cards, financing an Auto and purchasing a home.
Product: Credit reporting or other personal consumer reports

when I submit a dispute to the credit bureau 's stating I am no longer responsible for the loan or mortgage, about a week later I get a notification saying my dispute has been DENIED. now is this the credit bureau or is this XXXX XXXX, this has been ongoing and I am fed up with these antics.
Product: Credit reporting, credit repair services, or other personal consumer reports

A previous report was filed because XXXX XXXX refuse to acknowledge request for loan payoff and additional request to report " loan paid in full '' once payment was received. After checking with all the bureaus ... .credit report reflects to auto loans out owing more than 40.0000.00. I request this information to be corrected immediately,
Product: Credit reporting or other personal consumer reports

I checked my credit report as usual this morning and found unauthorized inquiries with no explanation. After refreshing my browser to rule out a glitch, the inquiries were still there. Im really upset about this and need the documents Ive provided to be checked thoroughly to ensure this issue is resolved immediately and wont happen again.
Product: Debt collection

Around XXXX I entered a consumer credit transaction ( pursuant to 15 usc 1602 ( i ) ) with Prosper in which a finance charge was involved ( pursuant to 15 usc 1605 ) with is the sum of ALL charges. I would like to state that am a federally protected consumer/ Natural person under the 15 usc 1602 ( truth in lending ) 15 usc 1692 ( fair debt collection practicing act ) and 15 usc 1681 ( fair credit reporting act ) ive found that my rights as a consumer have been violation under theses acts attached to this complaint is my notarized affidavit of truth in which i state all facts and violations done within the consumer credit transaction and Exhibits I've also attached the cease in desist letter ( pursuant to 15 usc 1692c ( c ) ) that I've sent to Prosper via certified mail. Stating I will no longer continue to pay on this alleged debt and invoking my specified remedy pursuant to 15 usc 1692c ( c ) ( 2 ) ( 3 ). it is clear that prosper is not only criminally liable pursuant to 15 usc 1611 but civil liable pursuant to 15 usc 1692k
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$190.00}
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 Equaifax has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Equaifax, 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 Equafaix has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Exqiafax inaction violates federal law and my rights as a consumer.
Product: Debt collection

I have reached out numerous of times that I have zero knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response or any corrections from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation
Product: Credit card

Hi there before going through this process know that I have exhausted every other effort to try and remedy this situation both with the bank and the store and got nowhere. I am long-term customer of XXXX and have made many purchases using their charge card. The card company changed hands at some point over the last few years and the new comenity Bank is I believe doing predatory lending. I purchased many items on 0 % interest and always pay off the balance before the expiration date. I have done so and I have records to show that I have done that and alignment with statements that show the amount due and the date due. I recently learned that to XXXX over customers, they have instituted a practice where if I pay off a expiring balance that SHOWS ON MY STATEMENT as expiring, I then have to call and tell them explicitly that I am paying off that particular balance. This is not standard practice as I have many cards w these plans and never have I had to call in as I pay them off.

Many times over the last year or two I have paid off these balances and was not aware that I was supposed to call and tell them this And was charged over {$6500.00} of interest plus compounding. When I spoke to the store about this who I have a great relationship with they had no idea that as a user and buyer of the card that this was something that we were supposed to be doing so they never told customers this. So this was news to them. I have spoken to Comenity Bank many times about this and never get anywhere with the conversation. They are standing on this idea that the consumer has to call in each time and expiring balances paid off and indicate it to them. Therefore this has been happening for years on my account with them without my knowledge. 

I spent quite a bit of time working with a customer advocate XXXX, and she was supposed to speak to her manager and they were supposed to call me back. This was about two weeks ago and despite leaving additional messages, no one gets back to me. I have no recourse. Since early XXXX  when I found out about this, I have had over 10 conversations at this point and they refused to acknowledge that you can not charge customers interest like this without significant awareness of this implication of not calling in. I understand if I was just throwing extra money at a card if I wanted it to go in a particular direction of balance that I would call and make that request however, when the whole formula is set up on the idea that balances are continuing to expire, and they are due on a certain day and you make that payment in addition to your monthly payment that should go to the expiring balance. 

This interest is compounding every single day. what I am asking is that they refund the interest that was charged on all of these expiring balances that I paid off and did not know I was supposed to call about. the store at this point and the management at this point is furious with the bank as well and frankly, theyre embarrassed and going to lose customers over it and are recommending clients not use the card for this reason.
Product: Credit card

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

I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$230.00} XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$510.00}
Product: Checking or savings account

Current credit card being used in my name with a current reported balance of {$810.00} used of {$3700.00}. I would like to permanently close this account because I dont have any access to this card that is being used. I havent gave any consent to anyone to use the current card that is active or being a authorized user of the USAA Federal Savings Account. I had no idea about this account being opened on XX/XX/year>.
Product: Mortgage

It appears that I should be eligible for FHA loss mitigation options to bring my mortgage current, and that BSI may not have complied with some of the requirements it had to review your account for loss mitigation options before scheduling foreclosure. Mortgage companies can not start the foreclosure process until a borrower is 120 days delinquent, in part to give borrowers time to be considered for loss mitigation options. During that 120 day period, servicers of FHA mortgages are required to send out early intervention notices and default notices letting borrowers know they have options. 

In my case, while my loan is technically over 120 days delinquent, my mortgage statements showed my loan was current until XXXX of this year. Me ( and BSI ) didn't know I was in default for a full 120 days before foreclosure proceedings started. That means BSI didn't contact me about options, and I wasnt given time to apply. When I found out about the default, I asked BSI about loss mitigation options right away, but at that point BSI told me it was already too late. So I was not given a meaningful opportunity to apply for and be reviewed for the FHA loss mitigation options it appears I would be eligible for. The specific options it appears I am eligible for are the HUD Partial Claim ( which would put me arrears into a non-interest bearing second mortgage due at the end of my loan term ) or Recovery Modification ( which would change my interest rate, maturity date, and put some amount of my principal balance into a non-interest bearing second mortgage due at the end of my loan term ). 

As of my XX/XX/2023 mortgage statement, my account reflected that it was current through XXXX XXXX, 2023. After that, it appears several payments going back to XXXX 2023 were reversed. My XXXX mortgage statement showed I was 66 days delinquent but my XXXX statement showed I was 139 days delinquent. 

I found out in XXXX that my account was in default and contacted BSI and XXXX XXXX immediately to ask about loss mitigation options, but I was told it was too late to be considered because the account was already in foreclosure. I was only able to get a reinstatement letter. 

One thing to note is that applications for FHA loss mitigation are being " streamlined '' right now, meaning you only need to call and ask to apply and you should be considered and I was referred to the BSI website to get a application online.
Product: Mortgage

We have an issue with deceptive practices that were used by Wells Fargo during the process of obtaining a HELOC ( home equity line of credit ). 

In XXXX of 2019 we applied for a HELOC through the Wells Fargo online banking site. 
We check our credit score regularly through a credit service that is provided by Wells Fargo. At the time of our application and throughout the loan process, the credit service had our credit rating FICO score at XXXX. 
After the application process was underway, we received a letter from Wells Fargo stating that a credit report had been obtained on XX/XX/XXXX from XXXX. This letter stated that our FICO score was XXXX. 

I contacted the Wells Fargo loan processing agent regarding the two different scores. The processing agent did not have an answer as to why there was a difference. She gave me the report processing number and instructed me to contact XXXX to inquire about the score and ask them why they had reported our FICO score as XXXX. 

The XXXX credit specialist informed me that XXXX  does not provide a FICO score, they only provide the lender with the credit report. So why the difference in scores? 
She then went on to explain, after further investigation, that Wells Fargo was using the older Beacon 5 analysis and not the Beacon 8 analysis and this was why there was a difference in the FICO numbers. 

My issue is that Wells Fargo is being deceptive. Wells Fargo provides the consumer a FICO score based on the Beacon 8 scale from the credit check services with XXXX, but uses the Beacon 5 scale and score when obtaining a loan. No where on their website or the disclosure documents does it state that the FICO score for the loan would be judged on a different credit scale.
Product: Credit card or prepaid card

I received a call from Target Card services on XX/XX/22 saying that my payment was late for my card and I was past due. I told them that was impossible and they informed me that they had the wrong address on file and the statement was returned. I was able to bring the account current on the phone and the Target representative informed me that he would be sure to put a request on my account to not report that it was late to the Credit bureaus because of the wrong address on file. The next day, XX/XX/22, I received notice that my credit score dropped XXXX  points because Target Card services reported a 30 day late notice and a significant balance increase. This was also on the same day that I applied for a new apartment, which I was then denied because of the significant drop in my score. I immediately called Target Card services to understand and they informed me that it was already reported to the credit bureaus before they could send information to correct it. I was even refunded the late fees that were put onto my account. I asked them to please update as soon as possible this is preventing me from being able to have a place to stay. I was informed on 3 separate calls that they reported to the agencies to fix the mistake and that it should show up within the next couple of days. I asked if they could provide something in writing for me to show proof to potential landlords that it would be corrected soon. I was informed that they would not be able to provide that via email. I waited a few days and still no change to my credit report. I called a few days later and was told that it wouldn't report until the next billing cycle ( XX/XX/22 ), which is not what I was told on the previous 3 calls with Target representatives. I asked if they could move my billing date to the 1st of the month to speed up the process in making the correction as I am currently XXXX, waiting for this change on my report. Which they did. I also asked if I could file an internal dispute with Target for the 30 day late notice and balance increase for the month of XXXX. They filed the dispute. I called again on ( XX/XX/22 ), one day after the billing cycle, to confirm that the adjustment would be made to my credit report by removing the 30 day late notice and balance increase for the month of XXXX and was told that since I filed a dispute with Target, it would take another 30 days for the dispute to finalize and any updates to be made to my credit. I was told the deadline to complete the dispute would be XX/XX/22 and that I would not see any changes to my credit until the next billing cycle ( XX/XX/22 ). This directly contradicts the first 3 calls that I had with the representatives with the issue first happened. I was told this would be corrected by my next billing cycle in XXXX  and now I'm being told that it won't be corrected until XXXX. I do not have confidence in the way this situation has been handled and communicated and I have been put in a tough situation without a place to live because of this mistake that was made on Target Card services part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested from XXXX XXXX a statement or the letter of approval from the year XXXX THE ORIGINAL DATE these credit card were OPENED AND NOT SOLD. 

AGAIN, I do not need a confirmation of when the account was sold to PORTFOLIO RECOVERY IN XXXX. 


I NEED from XXXX  XXXX WHEN THIS ACCOUNT WAS ORIGINALLY OPENED!!!!!!!! 


APPARENTLY, THE WANT TO IGNORE MY ORIGINAL REQUEST OR SWITCH AND BAIT. 
AGAIN XXXX XXXX I NEED A RECORD OF MY ORIGINAL STATEMENT OR THE LETTER OF APPROVAL FROM XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank ( Old Navy credit card ) turned off my paper statements without my consent. As a result, I missed a payment for the first time ever, and Synchrony is charging a late fee.
Product: Credit reporting or other personal consumer reports

Transunion keeps reporting an inaccurate XXXX XXXX bankruptcy { XXXX } on my credit report. They sent me a letter stating this record was verified.I reached out to the bankruptcy court they listed on my credit report and they have no record of this belonging to me. I want transunion to provide me with proof on their investigations within 15 days of how this was verified. This verification should include details connecting me to this bankruptcy. If they can provide this Im requesting this record to be deleted from my credit profile. 

XXXX is also reporting an account named " XXXX '' with a high balance of {$2400.00} as a charged-off status. This account is inaccurate and needs to be deleted. Im requesting that transunion provide me with proof of their investigation. How this account was verified as accurate within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. This item I demanding to be deleted immediately : XXXX XXXX Account Number : XXXX