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

As indicated by the attached copies of letters and mailing receipts, XXXX  have been delivered by certified mail numerous dispute letters as well as a follow-up letter, dated as far back as XX/XX/XXXX. As of this moment, XXXX have not done their duty mandated under the law. The inaction in this matter is inexcusable, and the disregard for the law is contemptible. 

As you are well aware, federal law requires a response within 30 days, theyhave failed to fully update my Credit Report accurately. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter. I further reminded XXXX that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for your willful non-compliance.

For the record, the following information is being erroneously included on my credit report, as I have advised XXXX  on ten separate occasions, more than 75 days and again 40 days ago : XXXX Account number XXXX
Product: Mortgage

I confirmed receipt of my XX/XX/XXXX payment by the servicer on XX/XX/XXXX. The payment was not posted that day. I continued to check their website and noted that they did not post the payment until XX/XX/XXXX. In addition, I received the next monthly payment statement and it listed the effective date of the payment as XX/XX/2016. During this time, I reached out to the servicer ( via their message center on their website ) three times and received no response except an automated acknowledgement that message was received. My last message was titled as a QWR as I believe the effective date of the posting is in error.
Product: Credit reporting or other personal consumer reports

The financial system depends on accurate and fair credit reporting, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). Unfair credit reporting practices erode public trust, which is necessary for the banking system to continue operating, and inaccurate credit reports directly reduce the effectiveness of the banking system. 

Therefore, any infraction of the FCRA reduces the effectiveness of the banking system. Since I never arrived late, this is a violation of TILA US Code 1666B. 

My XXXX XXXX  account [ XXXX ] has an inaccurate late payment record, which I discovered when I just checked my consumer report. I have consistently made on-time payments on this account.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXSELF - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

I have made multiple requests for Wells Fargo to stop all communication and marketing scams being sent to me physically and electronically and yet they continue to try and contact me. I DO NOT do business with crooks and crooked companies ; they are violating my do not contact and do not solicit requests and should be fined.
Product: Credit card

I have had my Target red credit ( TD Bank ) card for over 9 years. The company has only given me about 1 line of credit increase in the past 9 years & that one was back in about 2019. I update my income every year and ask them for line of credit increases. My credit score is great, has been great for the past 7+ years. The only reason that I can think of as to why Target red card has not increased my credit limit multiple times over all of these years is because Target Red Card is discriminating against me.
Product: Debt collection

I was contacted by Mnet Financial ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) initially where they said that I owed their company a debt of {$530.00}. I told the representative of Mnet Financial that I would remit payment to the owners of the debt which is XXXX XXXX XXXX. At that time, I submitted a payment to XXXX. Shortly after, Mnet contacted me again asking for {$530.00}, and when I explained that I made a partial payment to XXXX, I was instructed to stop paying them and to remit payment to Mnet, as XXXX would no longer be accepting payment from me and that the debt was now owned by Mnet. 
I stated that I would not be making any future payments until I was sent an accurate invoice. The representative attempted to argue with me, but eventually agreed to send an updated invoice taking into account the amount I said that I had already remitted to XXXX. When the updated invoice was received, I made another partial payment ( 4 times the minimum monthly payment that Mnet said was required ). Several weeks later, Mnet contacted me stating that they need payment again. I requested an updated invoice which would acknowledge my previous payment. The representative stated, " No. We do n't do that. '' I explained that I would make no further payments without an invoice. The representatives continued to call asking for payment. Each time, I requested an invoice be mailed to me, they refused repeating the same answer, " We said we do n't do that. '' The very last time they called, the representative of Mnet stated that I owed an amount which was {$60.00} over the amount that I knew I owed. I still have the original invoice sent by XXXX, and I have copies of the cashed checked from the bank, so I knew that I did not owe this amount. 
I asked for an invoice again, and the representative refused again. At this point, I ended the call. 
I called Mnet later that day to request proof of their ownership of the debt. I said, " Earlier today, I asked for an invoice. I would like an invoice to be sent to me. '' The response I received was, " And we told you we do n't do that. '' I responded, " Well I contacted an attorney about my rights, and I need to see proof of the ownership of the debt. '' At this point, the representative immediately disconnected the call. 

Weeks later, I received an invoice with a different amount than what the representative was asking for on the phone call. 

Mnet has continually used the tactic of misrepresenting the owner of the debt, and have added on additional fees to the balance even though the debt owner has not expressed in writing that these fees were legitimate charges or even expressed a description of the fees. 

While I was able to identify this, and not agree to simply continue paying them with no documented evidence that my payments, in their entirety, are being remitted to the actual debt owner, I have reason to believe that this company is taking advantage of other individuals who may not question the additional fees and charges, or even the validity of the debt.
Product: Student loan

I called  Navient to obtain 12  months of my payment history in order to obtain a mortgage. There is a new rule that states if there is a co-signer on a loan who made payments for 12 months and you can show that proof then this amount is not factored into your debt to income ratio. It is a very important step in the mortgage process especially for a first time home buyer with student loan debt. When I called  Navient the first time for thi s payment history ( since there is no way to obtain this information in my online account ) they were wrong  about my payment history and in fact could not tell me who paid my loans. The next time I called Navient th ey told me that they could write me a letter because they could not provide copies of the checks that were sent to them each month that they processed as payments on my loans. However, after speaking to  3 levels of customer service, Navient informed me that the letter could only be sent by US mail in 7-14 business days. This  is an ABSURD amount of time for someone involved in the mortgage/underwriting process and attempting to close on a home within 30 days.  Navient told me that they could not email me the letter. Compare this to other government lenders who have mortgage letters readily available on the online portal accessible immediately. THEN, a week later I needed to contact Navient for a copy of my original promissory notes. AND THEY SENT THE WRONG PROMISSORY NO TES. I only have  XXXX  active loans in repayment w ith Navient. Ye t, they did not even send me the correct information. THEN, after they " found '' my original promissory notes for the  XXXX  loans the estimated time to send me the documents was by   XXXX   XXXX   XXXX     when I called on   XXXX   XXXX   XXXX    . Why is n't the original master promissory note attached to my account and on file and readily accessible? More than 2 months for a routine document necessary to provide to an underwriter to obtain a mortgage is  UNREASONABLE. Navient has the ability to prevent me from obtaining a mortgage that I am otherwise qualified to obtain SOLELY because of their inability to provide me with documentation associated with my account, which is current and historically paid on time. If Navient can not provide adeq uate and accurate information within a reasonable time period to its customers then they should not be in business and should be shut down for unfair and deceptive business practices, misleading customers and unduly withholding customer information.
Product: Mortgage

My late husband and I took out a home Equity line of credit through Wells Fargo bank. At the time, Wells Fargo sold us an insurance policy through XXXXXXXX XXXX life insurance company for XXXX and life insurance on the loan. I became XXXX in XXXX, Wells Fargo was aware of this and mentioned nothing about the existing policy that we had in place on the loan yet they still took out the payments along with the premiums out of our checking account every month. In XX/XX/XXXX, my husband was XXXX XXXX  again, Wells Fargo knew of his death and we provided a death certificate, I called to pay off the home equity line of credit and again they mentioned nothing about this insurance policy. I have had several deaths in my immediate family and have been trying to deal with everything, I came across this policy, and I contacted several departments at Wells Fargo today and everyone there could pull up this insurance policy, however, no one was able to help me with contacting Union security life insurance company. I would think that if a group life insurance policy is sold through Wells Fargo, they should be able to assist the customer with contacting the insurance company. Also, the insurance company should notify their clients that have policies if these policies are sold or transferred to another company, that never happened. So I have been deceived by both companies! As a consumer, I have every right to be able to file a claim.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX - XXXX - {$810.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Debt collection

A credit collection company claims I have a debt with them from XXXX when I was in college under the financial support and insurance of my parents. I called the original creditor to understand where this XXXX debt is coming from or why I never received any form of them attempting to collect the debts 1,2,3 or 4 years later ( it is now XXXX ). They claim to have contacted me in XX/XX/XXXX when it was turned over to them but haven't followed up since. Now that the collector has it they have been reporting it to the credit reporting agencies, but not attempting to collect it. 

Many complaints on this site, consumerfinance.gov, state that consumers are constantly contacted about a debt that they owe by collectors. One can assume that this is to reinforce that the consumer owes this collector a payment for a valid debt and that the collector still needs this payment. Until served a cease and deist letter or request, the collector can continue to contact the consumer. I never served this collector with a cease and desist letter, so I am unaware why they would stop contacting me for this debt that they still needed payment for. They stopped contacting me, but yet still reported to credit reporting agencies as needing to being paid. I only know they were reporting all these years after being provided a credit report which I received after being turned down for a loan due to the credit score this company has ruined.

I firmly believe they are preying on the mistakes of financial uneducated and un-experienced XXXX year old faced with medical bills they needed help paying and are now just out to destroy my credit. They show little worry about collecting the actual debt.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$650.00} Someone scammed me on cash app, cash app ignored every email I sent them and didn't try to help at all
Product: Mortgage

In late XXXX of 2020, we attempted to refinance our mortgage with Wells Fargo and were trying to include a 'cash out ' to be used to payoff student debt. On XX/XX/2020 we submitted a payment of {$660.00} from our checking account for the appraisal of our property. Shortly thereafter during the first week of XXXX, we were contacted by the mortgage consultant and told that they would not be able to do the appraisal due to COVID-19 impacting individuals conducting appraisals. During that phone call, we cancelled the application. 

Via email, I have contacted the consultant repeatedly over the past month. As of this date, XX/XX/2020, the appraisal fees has not been refunded to our account. 

We were required to submit the fee immediately so the refinance application could go forward. Yet, Wells Fargo has held those funds for over a month.
Product: Checking or savings account

I recently discovered that my business bank account had been charged with unauthorized transactions. The charges started on XX/XX/XXXX and up to XX/XX/XXXX, in the total amount of {$1600.00}, in XXXX different transactions. 

The business, an online traffic school, had been underperforming since Covid started last year, and then closed on XX/XX/XXXX. All these had caused stress on me not paying attention that the bank could had security issues and allowing a third party to steal money from my bank account. 

The unauthorized charges were made through CHASE XXXX system, a system should only allows the CHASE bank credit card to process the auto pay. But, in this case they were charges initiated from XXXX XXXX. I called XXXX XXXX, and I was they did not find I should be charges for any of my XXXX XXXX  related transactions, and told me to file dispute with CHASE. 

I filed dispute with CHASE for these fraudulent charges since XX/XX/XXXX, and was repetitively told that I have no right to claim the refund based on certain documents I had signed when I opened the bank account. 

Is bank allowed by regulatory agency to operate with security issues and allow customers ' deposit being stolen through the bank 's internal system? 

Shouldn't bank protect the security of its customers ' deposit within its operating system? And be responsible for the depositors ' loss caused by its system security issue? 

Could it be possible the fraudulent charges were created by CHASE system to steal money from its own customers? 

I like to have these questions clearly answered by CHASE. 

Attachements - XXXX bank transactions from XX/XX/XXXX to XX/XX/XXXX XXXX list of transactions which are identified as fraudulent charges and the total amount
Product: Credit card or prepaid card

I have a fraud alert on my credit profile because of a lost wallet I applied for a Kohl 's Credit increase some time during XXXX. I didn't get a response online and I had forgotten. 
XX/XX/XXXX XXXX XXXX XXXX  incoming call from XXXX stating to be with Kohl 's Credit. 

I hung up. I logged into my Kohl 's Credit account and spoke with a chat representative that stated it was them calling regarding a credit limit increase request. I said that I will not verify information over the phone on an incoming call and would reply to a letter where I CALL THEM. 

XX/XX/XXXX ( I called XXXX XXXX XXXX replied to letter that arrived to provide them with more information, but instead the representative told me that I had declined to pursue the increase request and that they closed it as denied. I said that no such thing happened and that my receiving calls from unknown numbers requesting personal information was very uncouth and that it's not going to happen unless I am provided a more secure method. 

That evening I reapplied for the increase online that said it's declined. 

XX/XX/800 XXXX XXXX XXXX I received another call from Kohl 's, asking if I still wanted to qualify for a credit limit increase. I said yes and they told me that there was a fraud alert and I need to verify some information. I did my name, address, and they wanted my DOB and last 4 SSN. I SAID NO. This is exactly what I said last time we will not be verifying my information with strange numbers, especially when I just posted about this issue publicly online yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

Alright, here goes! 

On numerous loan applications I've done recently I've noticed that my FICO score based on Transunion data shows the following. 

SERIOUS DELINQUENCY FICO Scores consider the presence of a serious delinquency ( very late payment ) on a person 's credit report as a powerful predictor of future payment risk. Your score was impacted because your credit report shows one or more serious delinquencies. 

TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are important to FICO Scores. Your score was impacted because the time since your most recent past due payment was too recent. 

When I check my Transunion credit report, there is no delinquency, but this supposed delinquency is affecting my FICO credit score, as my Experian based score is some 80 points higher. I pay all my stuff on time and everything is fine and dandy. I even purchased a Transunion score ( which uses the VantageScore 3.0 scoring formula ) and it rates me at XXXX or " XXXX XXXX. 

When I contacted Transunion, they told me they can't do anything about it and to contact Fico score as they would be the ones to fix it.

I contacted Fico at myFico since that seems to be the consumer side of their operations, but they told me as well that they have no control over the information that goes into generating the score and that I have to contact Transunion.

I contacted Transunion again, and they told me nothing is wrong on their end. I now have 2 companies pointing fingers at each other and am powerless as an individual to get this situation fixed, which leads me to making this complaint! If I could receive assistance in getting this fixed, that would be awesome. I personally think it's some sort of coding issue mistranslating Transunion data to FICO numbers, but both companies are telling to talk to the other, leaving me stranded.