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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILDSUPPORT 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
Product: Checking or savings account

I had a Wells Fargo account during the years of 2011-2020, or the time period outlined in their latest class action settlement agreement. I want to be included in the settlement disbursement. They mismanaged funds, charged overdraft fees on purchases that should have been covered, misrepresented a line of credit as an overdraft protection program and charged me {$5000.00} worth of overdraft fees and other charges up to the limit of a line of credit I was not aware that I had. They are fraudulent and should be made to pay more restitution than they are but I want at the very least to be compensated for their gross mismanagement of my money.
Product: Credit card

Someone opened a XXXX credit card through Comenity Capital Bank in my name and charged XXXX dollars. I had no knowledge of this. They never sent me a card or any correspondence that I made this purchase. Meanwhile it was reported to the credit reporting companies which affected my credit score. I only found this out 6 months later. I called Comenity Bank to tell them these were fraudulent purchases. They said they would investigate. Im very upset I never got any mail about this. I got cold calls from Comenity over the past few months which I thought were spam calls so didnt respond. No mail whatsoever. This is no way to do business and I dont trust they will remedy this and take the charges off and take it off my credit reports.
Product: Credit reporting or other personal consumer reports

I value your efforts in addressing some of the fraudulent items in my file resulting from an alleged identity theft. However, there are remaining items that require removal. Upon reviewing my records, I observed that several fraudulent entries, not associated with me, persist despite previous correspondence. This marks my 11th communication on this matter. According to Section 605B of the FCRA, it is a legal obligation to promptly remove fraudulent items opened due to identity theft. The disputed items are not linked to my identity. I have attached the necessary FTC Report # XXXX and the required identity verification documents for your reference. Kindly proceed with the removal of the following fraudulent items : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} -- -- -- -- -- -XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXX- -- -- -- -- -TransUnion : XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate bankruptcy information that has been reported on my credit file. The bankruptcy reported is erroneous and can not be verified through reliable sources. I have diligently contacted XXXX, XXXX, XXXX, Innovis, and XXXX to validate the bankruptcy they are reporting, and each has confirmed they received their information from the Bankruptcy XXXX. 

However, according to the U.S. Bankruptcy XXXX, XXXX XXXX XXXX California, they explicitly state they do not report information to any credit reporting agency, as they lack jurisdiction over such reporting activities. This discrepancy indicates that the bankruptcy on my credit report is not valid and violates the Fair Credit Reporting Act ( FCRA ). 

I am enclosing a link to the U.S. Bankruptcy XXXX 's statement verifying they do not report or validate any information to credit reporting agencies, as instructed by their customer service, to support my dispute. Therefore, the information on my credit reports did not originate from the U.S. Bankruptcy XXXX and can not be validated through legitimate source. 

XXXX XXXX XXXX
Product: Mortgage

I requested a loan modification on my affordable housing deed restricted property in NJ. I was denied a loan modification from SN Servicing Corporation located at XXXX XXXX XXXX XXXX CA XXXX, in less I made a " Good Faith '' payment of {$25000.00} on my {$85000.00} mortgage. Which would NOT be deducted from my mortgage even if I could afford to pay it. I then counter offered {$10000.00}, just to get a response and was told they would take {$10000.00} cash and the remaining {$15000.00} would be put in my mortgage and double my mortgage payments, still never showing me where I would get credit for making these so called " Good Faith '' payments. Basically this company wants me to pay them to modify my loan for their profit and my loss.

If I were able to meet their terms I was given less than 14 days to come up with " Good Faith '' payment and first month mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

Couple months ago I checked my credit report I saw a lot of hard inquiries that Im not authorized I sent over my dispute letter to all the 3 credit bureau after couple weeks they sent me letter letting me know that they wont be able to remove them in my credit and I called all of them to asked why also I asked them to gave me prove with my original signature when I did that they dont have any prove, now Im hiring a lawyer for them to handle my situation. Also I see this information online that I can make a complaint for that. I saw all these inquiries I dont even know the company that did that in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX is reported on all credit bureaus as a charge off, account sold, and with a balance. 

This account has been disputed through certified mail and i have never received any original documentation verifying this debt. 

I'm unable to cite the exact FCRA information that states the above erroneous information should have already been removed. 

Please assist or advise in the removal of this account from Experian, XXXX, and XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account of on XX/XX/2023 and the company XXXX XXXX XXXX XXXX and XXXX XXXX  was to report it two the three credit agencies but has not.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$9800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed earlier this year on XXXX XXXX that there was an inquiry from capital one on my XXXX credit report and I never applied for capital one this year. I had an account a few years ago in XXXX as an authorized account holder with my boyfriend but weve already closed the account and I seen it was removed from my credit. Then the account was actually added to my account, I first spoke to them ( capital one ) and let them know it wasnt me and they told me that I had to send in proof of the inquiry and account on my credit report and also write a letter stating what the issue was. I didnt think that was something I wanted to do because it was clearly fraudulent so I didnt do anything I thought they would pick up on it and remove it from my report seeing how Ive never dealt with this before. Then recently this month, it popped up again on XX/XX/XXXX that the account was now delinquent and it dropped my credit score drastically and thats when I contacted capital one again just for them to tell me the same thing and thats when I contacted XXXX to get the account off of my report.
Product: Prepaid card

I was given a gift card from vanilla gift as a wedding present that was emptied before it was activated. To date the card has never been properly activated, but there is a transaction on the card that emptied it.
Product: Credit card or prepaid card

I recieved a US bank relicard approx 1yr and half ago when I got laid off my job, however the card was never used because I got a job very quickly, so the card was just dormant and had no funds on it. Then 8 mons ago I decided to shredded the card not thinking i would ever need it again. Then corona hit and now I am laid off, I opened a new unemployment claim and requested my funds be sent direct deposit into my checking account. Some of the funds were placed direct deposit and then I find out the other funds where placed on that card. I called unemployment they will not send me another card and told me to request on from U S Bank and gave me the number. Well what a joke I have now been on hold with U S Bank for 13hrs and no answer just music and sometimes just dead space. This is so so crazy will this is not right to keep people on hold and I dont know how I am ever going to get my money.
Product: Debt collection

Aspire credit card is calling me before XXXX XXXX and being hyper aggressive when they speak to me. I have made arrangements already and they call over 5 times ever day. I ask them to stop and I have to study for school and sleep during the day. I can not sleep. Please they will not leave me alone. Also the person on the phone said they will keep calling and never stop.
Product: Credit reporting or other personal consumer reports

There was an unknown hard inquiry that showed up on my credit report from XXXXXXXX XXXX XXXXXXXX XXXX XXXX/Amerisave Mortgage on XX/XX/22 XXXX I was never in the market to purchase a home, nor did I give authorization for this unknown company to pull my credit report to obtain a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DATE OF BIRTH : XX/XX/XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX GA XXXX EXperian Experian XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX TRACKING CERTIFIED # : XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau : XXXX, XXXX, EXPERIAN Im responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the Creditor asking for the proof that I was in fact late, on { the month they reported but they never responded. 

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : 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 TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUALABOUT WHOM THE REPORT RELATES. 

PLEASE SEE BELOW ATTACHMENT
Product: Checking or savings account

In XX/XX/XXXX, we had sent 6 separate payments ( checks from our bank ) to our mortgage company. We were later told by our mortgage company that they were sending the checks back to us and to send them a wire transfer in total amount of the 6 payments we had sent. So we sent them a wire transfer with the money still in our account ( in excess of {$13000.00} ).  Sometime later we discovered that they had cashed the checks which not only ended up sending our account into the negative due to overdrafts, overpayment, etc. but we also were charged NSF fees. We never opted in for overdraft protection on the checking account. Also, my wife, who is the main account holder was never notified or called about any over drafts. She was signed up for account notification and never received them. Even after going to the bank and talking with them, she still does not receive account notifications. The system failed us and we asked the bank to get the money back from the mortgage company due to the fraudulent withdrawal. We did not receive money back. Due to the constant lack of funds in the account, our monthly payment to our Chase Freedom credit card did not go through. My wife who is the main holder on that account was not called or notified about the late payment until it was too late. They have refused to help and/or remove the late payment from our credit report ( XX/XX/XXXX ). We simply ask that they credit the majority of the fees that we received because many of the purchases were made on the same day then posted on separate days so we were charged {$34.00} overdraft fees 3 times a day. Their system of notifying us did not work correctly and failed us as well as their customer service. They only recently credited our account for {$250.00} without informing us. After inquiring about the credit, we were informed that they were not going to help us any further and blamed us for the problems. We have been loyal Chase customers for 20+ years. We had to get a lawyer involved to solve the issues we had with our mortgage company which cost us thousands of dollars more. We want this situation resolved to our satisfaction after we lost a lot due to it.
Product: Credit reporting or other personal consumer reports

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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  Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  acct 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 an account without my written instructions.
Product: Debt collection

I have been receiving rude and threatening call from National Credit system regarding a XXXX XXXX XXXX XXXX. I never signed certificate and no one at the apartment complex explained anything to when i signed me lease concerning a XXXX XXXX. XXXX XXXX XXXX has refused to dispute this charge with XXXX XXXX and per Fair Credit Act they have to dispute if one is not agreeing with the bill. XXXX from National Credit System has called me multiple times after I have asked her not to call me but send everything in the mail. She refused to honor my order and this is not right. She has violated my rights and I will be filing a sue with XXXX County Courts for harassment after I've asked her not to contact me via phone after the very first rude call. XXXX, National Credit System representative has yelled and was very rude and stating I do owe it. These people are monsters and very rude. I wish Consumer Financial Protection will investigate and shut these monsters down. Also, XXXX stated they would put this account on my credit file. This is rude and disrespectful
Product: Debt collection

Capital management has called me multiple times a day either speaking with me or leaving voices mails. When they have called and I picked up I told them to stop all phone call communication. If they want to talk to me to mail me information. Nope rhey continued to call leaving my personal info on my phone, on my step grandfathers phone. When they as well told them I do n't live there nor do they talk to me and please stop calling the wen harassed them. I have one of the.voice mails saved with the women 's name. I know the fcpa laws and the cfpb protection laws they have broken more than on with me. This must stop, I am looking into law suite with the company.
Product: Mortgage

US Bank Home Mortgage is trying to take away my home at all costs. By their refusal to work with me, they have cause me to be in a worse position than I was originally after I suffered a job loss. They denied me a Loan Modification and all other programs that could help me get back on track and because of their attitude I decided to do a little research. As it turns out, they are illegally trying to foreclose on my house.
Product: Checking or savings account

I recently discovered that {$30000.00} in monies left to me by my late grandparent were wrongfully kept by Wells Fargo without my permission. Wells Fargo refuses to advise me of the account infromation and I of course have no idea what the account number. If I knew the account number, I would not be filing a CFPB complaint. After my grandparen died, she bequeathed certain funds to me. Rather than advise me of this bequeath from my grandmother, Wells Fargo secretly opened an account in my name, without my permission or knowledge. Wells Fargo illegally kept this account open for at least one year before advising me of the existence of the account. To date, Wells Fargo has failed to give me any information about the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a secured card with XXXXXXXX XXXX XXXX XXXX, and i had the account for 3 months, i have paid on time and over the amount due which the XXXX  payment was initially two payments. My monthly payments are {$15.00} i paid {$180.00} on the XXXX  of XXXX. My payments are due on the XX/XX/XXXX of the month and the statements print on the XX/XX/XXXX of each month which means i am not 30 days past due. The reported 30-59 days past due to the credit bureaus dropping my credit score over 40 points. I am in the process of buying a home for my family and this is a major issue for me right now.

As you can see the attachments are photos of how they are reporting the information to my credit file. The minimum payment is still {$15.00} if i was late 30-59 days it would be more, also the status says current. how could be current when i am 30-59 days late. 


Dept of Nel Net- I am also submitting an investigation for Dept of Nel-net you will see the actual screenshots of the late payments they came i have 90 days in XX/XX/XXXX, 90 days in XX/XX/XXXX and 90 days in XX/XX/XXXX. How can i be late on any of my student loan accounts when the prior months are on time not late. There are 10 Dept of Nel-net accounts listed on my credit report that are reporting 90 days late but neither of the prior months are late according to the credit report.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : AFNI INC . 
Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. 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 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00}