23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXXXXXXXXXXX**** Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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: Checking or savings account

I had an account with Wells Fargo which is now closed. Wells Fargo would continuously charge me over draft fees and take money even when my balance and the money was there.
Product: Checking or savings account

While I normally see my Friday checking deposit early which would be XX/XX/year>, I still have not received my funds on Friday XX/XX/year>. I have confirmed my direct deposit with my employer and they where sent electronically on XX/XX/year>. My employer has issued the funds but Capitol One has not issued or released them. At the time of this complaint XXXX on XX/XX/year> there is no issue of funds. I called Capitol One customer service 3 times today XX/XX/year> and the system hung up every time after a 10 minute wait.
Product: Checking or savings account

On XX/XX/XXXX I made a e-transfer from XXXX XXXX  in XXXX XXXX, XXXX  to my Wells Fargo account in South Carolina. The amount was {$1200.00}. The transfer has disappeared. Subsequent to my XXXX transfer I closed the XXXX account ( I believe on XXXX ). 
XXXX XXXX  has supplied me with multiple transfer numbers and documentation in an attempt to track the transaction. Wells Fargo said they do not have the money and that it was returned ( for unknown reason ) back to XXXX XXXX. XXXX  has transaction reference showing return but no evidence of the money being received. All of this has resulted in multiple phone calls and visits to the local XXXX  branch for the last 2 months. Wells Fargo has never supplied evidence of their investigation of this - other than denial of any knowledge. 
I relocated to XXXX  on XX/XX/XXXX at which time I opened the account at XXXX  ; I lived in XXXX  for over 35 years and believe I have been a customer of Wells Fargo for most of that time. On a personal note I am an XXXX year old retiree living on pensions and have no way to make up this money. I have been retired for almost XXXX yrs and have no money to contribute to a problem not of my making. I can't believe our banking system is in such disarray that you can lose money on an interbank electronic transfer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and XXXX XXXX. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o XXXX XXXX : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o XXXX : " Dispute resolved ; customer disagrees. '' o Experian : " Subscriber reports dispute resolved - consumer disagrees. '' o XXXX : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX o Date of Last Payment : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Experian : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " XXXX  '' and " OK '' marks, especially for XXXX, XXXX there is a mix of " OK '' and " XXXX '' XXXX. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Experian, & XXXX with assistance with my Identity Theft problem with no assistance. I have done everything they asked of me to have some fraudulent accounts removed from my credit report. I retrieved a police report from the city of XXXX Ohio where my wallet was stolen with my ID and credit cards in it, I also retrieved a police report from the city of XXXX, Georgia where the creditors stated the accounts were opened and now, I also opened a police report where I actually live and provided proof of my address to them multiple times. The creditors and the 3 bureaus continue to verify the information correctly with incorrect data. The address and phone number that they report for these accounts is not on my credit file. The address and phone number reporting are Fraudulent. XXXX XXXX account number ( XXXX ) opened 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 is a fraudulent address that all the above accounts are reporting to which is also not on my credit profile, but they continue to say that the information has been verified. I asked for a copy of the application with my signature on the application from all the creditors listed above and the 3 credit bureaus and I have yet to receive it. The incorrect data and no signed application showing proof that these accounts belong to me was reason to remove all fraudulent accounts from my credit file. I am asking for your assistance in this matter to step in and push them to do the right thing and remove these fraudulent items. I have sent them several reports including my personal Identification from the month of XX/XX/2022 until now XX/XX/2022. PLEASE HELP ME Thank You
Product: Mortgage

NFCU was working with me at a time while working, recovering from XXXX XXXX XXXX and returning from a leave of absence on XX/XX/XXXX at my work. I was diagnosed with XXXX XXXX XXXX by the VA during that time and had many appointments and therapy resulting from conditions aggravated or beginning from the XXXX time period. 
Come to the payments for my home for XX/XX/2023 and I was unable to keep my agreement for half payments due to curtailment of income from illness and lack of work hours from said illness and appointments. Then a sudden trip to the emergency room to discover another underlying illness exacerbating the pain from an illness I am scheduled for XXXX for. 
Working with NFCU since late XXXX when NFCU escalated the loan to demand remedy, the only option presented was short sale, not an offer of special forbearance or any other method. The foreclosure is set for XX/XX/2023. The examiner for the mortgage loss has repeated asked me to have my employers XXXX and my VA XXXX XXXX XXXX unethically change the return to work date to a longer period before the first exam after the XXXX. My employer requires release to work to be determined by the XXXX XXXX XXXX XXXX has to review me after the XXXX to confirm I can go back to work or extend the leave at the time of the first XXXX XXXX  appointment. 
I have not had this requested on my prior XXXX with this same loan. I have not ever experienced this unethical behavior with either of my XXXX prior home loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax resinserted inquiries and a address that was removed from my equifax credit report over 1 year ago. Equifax reinserted the inquiries and the address even after the data breach. Per FCRA laws equifax was supposed to inform me within 5 days of the reinsertion along with documentation that confirms why the inquiries was reinserted. I filed a dispute directly with equifax concerning the inquries and Equifax did not bother to reinvestigate. The same day I disputed the inquiries equifax sent me the same pre-ready response saying " verified ''. I filed a complaint with FTC and sent the report usps certified mail to eqiufax. The address that was removed eas : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That address does not even show on XXXX XXXX file. I sent equifax a copy of that a while ago. I have attached the FTC report to this complaint. This has caused me to be turned down for increases and credit with XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to the attention of the Consumer Financial Protection Bureau of a recent dispute investigation which was completed recently updated with regards to XXXX XXXXXXXX XXXX XXXX account number XXXX, involving a closed charge off account that still reporting inaccuracies even after being investigated. I have attached a photo document which I obtain from Experian online dispute portal for reference. As you can see in the attached document, Experian investigation yield a number of errors which compromised the accuracy of my credit file. 

On XX/XX/XXXX thru XX/XX/XXXX, Experian reported that this account was 30 days late and on XX/XX/XXXX thru XX/XX/XXXX they reported the same account to be 120 days late. As you may already know, this is impossible and a " clear and unmistakable '' error since each month represent 30 days in itself. 

In addition, this account was charge off/closed on XX/XX/XXXX however, the amount displayed as past due represent interest or additional payments accrued over time which is illegal since the account is reported as closed. 

And lastly, the account number for this account are different and do not match as represented in the separate documents pulled from Experian online dispute information. Here are the two accounts that was generated 1. Account Number XXXX 2. Account Number XXXX this can be seen on the attached photo documents. 

Since Experian recent investigation Report Number : XXXX Date Generated : XX/XX/XXXX which they presented as an accurate account of of there investigation yield multiple errors with is a direct violation of the Fair Credit Reporting Act which is governed and enforced by both the State of Nevada and Federal Law instituted by the United States Congress and other governing bodies of our government. I ask that this account be removed/deleted from my Experian consumer credit file/report and any additional database or member affiliation which they may share information with. I ask that the process be completed as soon as possible and without delay under the authority of the CFPB also know as, the Consumer Financial Protection Bureau. Thank you for your aid and assistance concerning this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I sent a certified letter to all three credit bureaus stating that I had multiple inquiries on my report I did n't recognize and I did n't authorize these inquiries. I have yet to hear back from the companies. I decided to call XXXX on XX/XX/XXXX, and was told they received my certified letter but they put the information in wrong and they will start the investigation all over. I was never notified of anything prior to calling on this day from either Transunion, XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

Prior to moving to into my new home I was at a grocery store in XXXX Indiana where I lost my wallet that contained my drivers licese social security card and other identifying information and someone found it and used my information to open up several fraudulent accounts such as auto loans, motrgage accounts, credit card accounts, personal loans, and more. I would like for this informaiton to be removed from my credit report as soon as possible. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and XXXX XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Debt collection

checking my credit report and a new collection was on my report that I shouldn't have because my insurance paid all my hospital and medical bills. the collection agency is called ONLINE INFORMATION SERVICES, this company is a fraud company when I looked it up and said I owe {$190.00} to a company called XXXX XXXX TX XXXX please remove this from my credit report.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX
Product: Mortgage

I currently have a conventional loan with PHH mortgage. I reached out to them to get a refi and cash out a little equity in my home. They steered me to get a FHA rather than another conventional loan. They stated that I did not qualify for the any other loan other than an FHA and after having a family friend who is a loan processor look at the information, that just was not the case. I was told that they could have offered me another product and they failed to do that. I wish to file a formal complaint as I believe this is exactly what got us into the house crisis in 2008.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX PLEASE REMOVE THE INACCURATE ACCOUNT MENTIONED ABOVE. 

I kindly request that this matter be promptly solved by EXPERIAN As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of this inquiry and I did not authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccuracies on all three Credit Bureaus on date of last payment and not reporting accurate information. Information is pulled from credit reports on XX/XX/20 from all credit bureau 's. Transunion, XXXX  and XXXX  for XXXX XXXX listed as XXXX XXXX XXXX. Loan has been payed off and XXXX  who last reported in XX/XX/XXXX still has not updated the accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report and discovered late payments on the following dates, I was astounded. I know that I have the right to know where this negative items a re coming from and delete them immediately since it was a clear violation of 15 USC 1681 section 602 A which states I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am submitting this complaint without any influence from any party or agency. Please see attachment/ attached documents and id as it contains my full complaint and request.