23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My wells fargo cashwise credit for used during identiy theft to make two purchases. I called wells fargo to file fraud dispute they only took down one item, reissued me new credit card while transfered the balance from the 1 fraud charge to my new card. I called in again wells fargo this time took care of it. However now i found out my credit report is showing deratogry reporting because wells fargo charged off the card that had fraudulent charges and left the balance on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A DISPUTE THESE ITEMS. AND DIDNOT GET ANY INVESTIGATION RESULTS. THE INVESTIGATION TOOK WELL OVER 30 DAYS.
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX I sent certified mailed to Chase it was a pre-arbitration letter it is now XXXX XXXX and I have not heard from them 60 days This means my demands should be in effect ASAP Please see attachments of the mailing details
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account from XXXX XXXX XXXX that is in my father-in-laws name on both my wives and my credit report. This has been going on for over the course of 5 1/2 years that we have known about. We have sent multiple request to them through the course of this time along with letters from XXXX XXXX XXXX XXXX stating that neither of us are on this account. The most recent of these communications to Equifax was XX/XX/XXXX when we were in the process of refinancing our home. We were told that is was resolved and never heard anything back, but then on XX/XX/XXXX we were told that this account is still reporting under my name. 

This account continuing to report on my credit report from Equifax has prevented me from being able to obtain credit as we are trying to get a home equity loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is reporting a late for XXXX account # ending in XXXX for XXXX 2017 Kindly remove this late as I had 30 day window to pay this bill from the due date of XX/XX/XXXX2017.  Payment had to be received within the 30 day window from that date and was. 
Payment was made on XXXX XXXX, 2017 only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, XXXX, XXXX have updated a late to XXXX 2017. 
But in XX/XX/XXXX2017 payments were on time. 
Thank you, XXXX XXXX S.S. # XXXX D.O.B. XX/XX/XXXX
Product: Vehicle loan or lease

My complaint is about USAA Insurance Co. I have my renters insurance, XXXX  autos, and personal valuable insurance with USAA. My payment of {$300.00} is due each month on the XXXX. I mailed my XXXX payment on XX/XX/XXXX ; the check cleared my bank on XXXX, the same day they canceled my insurance. I called and asked why they canceled my insurance when it was only 19 days late ( 19 days from the due date till clearing the bank ; they received it before then ). I was told the company was following " regulations. '' I looked up the state of Texas regulations on insurance companies, and the state requires a 30 grace period be provided. After talking for over an hour, they reinstated my insurance. It is obvious that USAA is canceling policies as a threat or harassment to customers. I am XXXX  on XXXX  and a XXXX. I asked them to move my payment date, and they agreed but would charge a fee of {$71.00} to move the due date 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 someone opened a Capital One account in my name they applied for a line of credit trying to obtain a credit card in my name using my personal information without my knowledge or authorization and Capital One allowed them to do it instead of consulting with me first as it is stated on my credit report to do so through XXXX XXXX failed to contact me to let me know through the fraud alerts that are on my account with them to let me know about this transcation that was transpiring at the time when it was being committed and now I have soft inquiry on my credit report that has not been removed that needs to be removed for something that I did not authorize due to the negligence of XXXX. On XXXX XXXX 2022 someone also applied for a loan through XXXX XXXX XXXX in my name without my authorization without my knowledge yet once again here my identity has been misused improperly. I did file a identity theft with the Federal Trade Commission reporting that my identity has been stolen thru XXXX which should be on file stating that no one should be submitting fraudulent accounts in my name and that I am a victim of identity theft. I have gone through great lengths to try and keep my credit secure on my accord to the best of my ability by placing freezes on all of my credit reports and setting up security fraud alerts but to no avail hackers and scammers are still trying to open up lines of credit in my name using my persona i formation which they have obtains falsely without my knowledge or permission and they are still opening credits in my name and I have asked repeatedly for this matter to be corrected but to my avail no measure of action has been taken by the credit reporting agency XXXX I am a hard working American who pays her taxes faithfully every year and I should not have to live in fear or live like this knowing that the credit reporting agency is saying that they are monitoring my credit just to find out that they are allowing my credit to still be used in a inappropriate manner by imposters who are imposing as me to obtain something falsely using my name. They are not monitoring or protecting my credit like they claim they are and I have tired contacting them through the numbers for the customer service online but they want answer the phone they have some automated system that is set up which is not helpful for a person like me who actually likes talking to live people and I would like it if someone did something about this matter because its effecting my credit scores which is causing me to have bad credit which is not my fault I am suffering at the hands of some one else mistakes and I should not have to have these inquires on my credit report which I know I did not apply for none of these things in my name and I really need for someone to look into this matter as soon as possible please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

i was called to my XXXX XXXX XXXX, and i was told i my XXXX money wouldnt be enough to cover my tuition, i applied for student loan and then was encourage to look at my credit report, and when i pulled it, i saw accounts that didn't belong to me but it also seemed vary odd because im to young, like, i dont know how to apply for credit cards, this is XXXX  where do i start, or before i can get started, i already had negative credit history, someone took advantage of me and i dont know who did it. I need help, I am a college student, the credit bureaus refused to help me, saying they verified information, of course you did, because its on my report, but they did no VERIFICATION PROVING OWNERSHIP OF ACCOUNTS, BY ANY SIGNATURE, PHONE NUMBER, EMAIL ADDRESS, OR PHYSICAL MAILING ADDRESS.
Product: Debt collection

The reporting agency never sent me any kind of correspondence to make me aware of any debts owed.The reporting agency did not report the debt correctly altering date debts and amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection for {$5500.00} for XXXX XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) I have never resided at XXXX XXXX and I have no idea how this item can be reporting on my credit report. This is clearly an error. I have contacted the ( 3 ) bureaus to have this removed, however I have not been successful. This negative reporting is harming my credit score and these line item needs to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to convey my profound DISSATISFACTION with your recent assertions concerning my accounts. I am REJECTING these claims due to the absence of any substantive facts or evidence supporting your allegations. Therefore, I strongly encourage you to promptly initiate a comprehensive inquiry into these matters. I demand that you expeditiously challenge these accounts and furnish me with well-documented evidence substantiating your stance. Failing to do so will leave me with no alternative but to pursue legal action to safeguard my rights and rectify this matter. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXX Account # XXXX has violated my rights. 

XXXX CARD Account # XXXX Has violated my rights XXXX  Account # 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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. I have the rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX *** Balance Owed : {$7000.00} XXXX XXXX  XXXX Balance Owed : {$7200.00}
Product: Debt collection

1. GM FINANCIAL I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Product: Credit reporting, credit repair services, or other personal consumer reports

( Equifax ) Inquiry by company XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX was unauthorized, and inaccuarte. 

inquiry is being reported without any permisable cause, No credit or loan as been awarded. a violation of sec 1681 FCRA rule
Product: Credit reporting, credit repair services, or other personal consumer reports

My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and at this time, I will also inform you that XXXX XXXX offices have reported invalidated information to all 3 of the major CRA 's ( XXXX, XXXX or TransUnion ). XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. XXXX XXXX and their inaccurate reporting have damaged my livelihood & caused me anxiety. I wrote to XXXX XXXX via certified mail on XX/XX/XXXX, requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote to XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them either. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation letter that XXXX XXXX ignored. Along with a copy of the email I send to the XXXX XXXX CFO 's that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! I want XXXX XXXX to stop violating my rights and remove the item from my consumer report. By law the CRA's/ creditors etc has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore XXXX XXXX XXXX XXXX, Trans Union LLC XXXX XXXX XXXX XXXX XXXX by law shall remove the item from my consumer report. There is a laundry list of damages caused upon me from XXXX XXXX & the CRA 's!. 
If any debt collectors, creditors are not able to provide the proper documentation as requested in a Declaration, all collection activity shall CEASE and Desist. 
Overall XXXX XXXX office fails to respond to the validation request within 30 days from the date of my receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 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 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: Credit reporting or other personal consumer reports

I would like to file a complaint against the XXXX bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the XXXX bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

approx XX/XX/2020 i contacted paypal about a refund credit from a retailer just to see if it had posted, the custsvc agt asked if i had received the new card issued automatically from paypal mastercard ( ppl ) I said no, cust svc said no prob we will reissue, i never reported card stolen lost or fraud, the agent reported the card as lost stolen fraud and it is listed on my credit report this way along with approx 3 replacement card numbers which also shows on credit report as though i have 3-4 accts with paypal as oppose to the one which has a XXXX limit. Mind you this acct was paid in full and none of these replaced cards were ever used by me or anyone else, i tried to have the credit bureaus update and show only one paypal acct and to remove this closed/fraud/stolen/lost due to the fact that the acct was still open ( as i prefer ) with a zero balance. they could not correct so i contacted cfpt but the problem has gotten worse, today i was told by paypal the acct is now closed due to fraud ( i always paid, had this acct for years, and i opened it myself ) they are stating now that it was fraudulently opened and i would need to reapply. i am concerned with what has happened here
Product: Credit card or prepaid card

I had to reach out thru the CFPB to have any contact from HSBC in the first place back in XXXX. 
Now, here we are, XXXX, XXXX XXXX, my case handler, did NOT handle my case. She emailed me to get the CFPB claim closed, but the email address and phone number are both COMPLETELY bogus. 
HSBC had NO issues having their collections department contacting me. I tried their " general '' phone number, guess what, since there is a card they opened incorrectly under my social security number, I can't verify so it hangs up on me. AGAIN, I can NOT make a payment. I have no way to speak to anyone. Chat tells me I have to call. I can not login on the website, and my " point of contact '' was fictional. 

Dear XXXX, I received your concerns shared with the CFPB. I was disappointed to read about your experience. Im sorry for your difficulty. 

I will be your point of contact on this matter. As soon as I have an update or resolution, I will notify you immediately. 

Please contact me directly if you have any questions in the meantime. 

Best, XXXX XXXX XXXX Manager, Executive Office | HBUS Customer Relations XXXX XXXX XXXX - XXXX XXXX, NY XXXX ____________________________________________ Phone XXXX XXXX XXXX Fax XXXX XXXX ____________________________________________ All XXXX. She never replied to any emails I sent after this.
Product: Mortgage

In XX/XX/XXXX, I notified SWBC Mortgage Corp that I need a forbearance as I was financially impacted by COVID-19. I was given a 6 month forbearance period beginning in XXXX. In XX/XX/XXXX, I called SWBC to start the loan modification process as I was able to start making mortgage payments. I was given a deadline of XX/XX/XXXX to have all documents submitted. I emailed the remaining documents on XX/XX/XXXX directly to the underwriter who stated that they would process it the same week and the mortgage payments would continue in XXXX. The underwriter did not process the documents and I had to start the whole process over again in XX/XX/XXXX. All documents were submitted to SWBC prior to XX/XX/XXXX. I continue to receive letters and phone calls stating they are missing documents. Every time I call to speak to someone, I am told that different documents are needed than what the previous person told me. I have requested to speak to a supervisor or the underwriter on three separate occasions. I was told I would receive a call back within 24 hours but I was told today that no one had ever submitted a request for a manager to call me back. I called two times today, XX/XX/XXXX, and each representative refused to let me speak to a supervisor or underwriter and each one hung up on me. I am now being assessed late fees, penalties and negative impacts on my credit. I can't refinance the mortgage with a different lender as the mortgage is showing as 6 months past due.