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

Its showing on my credit report that I owe {$1100.00} & {$500.00} from XXXX XXXX XXXX. I disputed through mail several times recently & previously. Asking for signature l To date they have not fulfilled the intent of the fair credit reporting act which requires bureau, as a consumer reporting agency to maintain fair, accurate, and equitable to the consumer such as I. The law states 15 USC Section 1681 says that credit bureaus will follow reasonable procedures to assure the maximum possible accuracy of information concerning I the individual about who the report relates the requirements have not been met by their actions. They have not given me evidence of investigation by giving me names and addresses of persons contacted, nor have they removed anything found inaccurate. They have not removed any item for which no verification could be found within 30 days. The items were inaccurate & incomplete. Also federal law Act 15 USC 16811that they had thirty days to respond to letter for recertification of erroneous items. Federal law requires that upon request the creditor must provide the credit bureaus written proof that the account belongs to me the credit bureaus must remove the account from my credit file if this is not completed within 30 days and cease reporting all activity written proof is a copy of the contract I signed with the original creditor and not an XXXX  response without sufficient proof. I asked who was the original creditor on this account and what was the account # what was the original amount owed? Please provide a complete payment history! Starting with original creditor I asked for them to please provide with documentation that indicates I agreed to pay someone this sum of money. What was the original date of delinquency for account I asked for agreement that grants them authority to collect on this alleged debt or proof of acquisition by assignment. They failed to do so!! Please remove these accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax XXXX  times now ( XXXX  in XXXX, faxed them in XX/XX/XXXX and XXXX times this past week ) each receiving different responses regarding the block on retrieving my credit report. Today, I was told that I have nothing filed with Equifax, despite verifying with all my creditors that they have been sending the correct information to all 3 credit bureaus and Equifax specifically. I have had no issues receiving credit reports from XXXX and XXXX, only problems with Equifax. In XXXX, they asked for me to fax documentation verifying my identity, which I did send and never received a response back or any update in receiving my credit report. 

Today I have once again faxed my documentation to prove my identity to Equifax to pull up my file. This is extremely unacceptable and is getting in the way of my process of obtaining a home loan from a lender as a first time homebuyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I pulled all 3 credit bureau consumer credit reports this is when I became aware of the derogatory XXXX XXXX account being reported on my Experian credit report. I submitted a dispute in writing to Experian and XXXX XXXX. Experian responded via mail that the account had been verified and was accurate, XXXX XXXX never responded and to date has not. This is now over a year later and I continue to dispute this derogatory reporting with Experian and have made multiple attempts via written notice of my dispute. Experian sent a written notification to me " REFUSING '' to reinvestigate my claim. Experian is violating The Fair Credit Reporting Act ( FCRA ) by refusing to reinvestigate my dispute of the validity of this account. Be aware that I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate, incomplete, and represents a reporting error. My next step is to file a small claims action against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX doesn't accurately report to the credit bureaus and will not fix their issues when a consumer contacts them to resolve the issue. I leased a new vehicle through XXXX XXXX   I returned my original XXXX XXXX XXXX and a payoff check from the dealer was mailed out to them for the amount of {$1300.00} to cover this. The check was received by XXXX XXXX on XX/XX/XXXX but was not credited to my account until XX/XX/XXXX. My original due date for my payments remaining on the lease was XX/XX/XXXX. Because I purchased this new lease I contacted XXXX XXXX to validate if anything was going to occur to my credit report since I was 2 days late. This was even prior to the due date lapsing. I was told they only report at 30 days past due. Once they received the check and credited to my account, they still left my account in a past due status. This was after my inspection for no damage on my return vehicle and when they waived the early termination fee or disposition fee since I leased again through them. I was told that the account would show past due even though they were paid since it is a " retail account '' and wouldn't be removed from the online portal until the car sold at auction. I took them at their word and left it at that. They neglected to ever update my credit report with the credit bureaus and left the {$1300.00} balance out there for over 2 months since they were paid off. I filed a dispute with XXXX   and XXXX hoping that they would address this issue. XXXX XXXX then reported back to XXXX that I was 30 days past due for the {$330.00} dollar amount that would have been a normal payment. This is not accurate information. When I attempted to contact XXXX XXXX via phone, after I had discussed all the logistics of my current lease with them over 10 separate calls, I was told that my account is not showing past due and that they didn't report that information to the credit bureau ( XXXX ). They said I would have to follow the normal dispute process to get this fixed and would not forward me to anyone that could properly address the issue. As a consumer that re-leased through them, always paid on time and made every attempt to prevent this, an issue still occurred.
Product: Debt collection

I checked my credit reports on XX/XX/XXXX and found a negative account reporting on collections from a company called hunter warfield. I have never been contacted by this company and was never given notice of this debt owed to give me a chance to dispute it. However they have already reported it on my credit file. The Fair Debt Collections Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which are enforced by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) states that debt collections must provide written validation and verification of any debt attempted to collect. I am taken legal action to sue the collections company for violations the fair debt collections act by not contacting me directly to both verify and validate this supposed debt owed. I want proof that the apartment complex did not move a new tenant into the apartment before selling this incorrect debt to hunter warfield.

As of XX/XX/XXXX, the XXXX XXXX XXXX reported 397 closed Hunter Warfield complaints over the previous few decades, such as 120 closed HW complaints over the past 12 months. The XXXX provides HW with a B evaluation. Additionally, XXXX  lists 28 complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, two alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau ( CFPB ) lists 255 closed HW complaints for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls Credit Called me on XX/XX/XXXX to say I was 61 Days late on a payment. This was the FIRST phone call contact from them. I have never received a letter in the mail nor have I received an email saying I was 30/60 days late. 

I paid off my balance in full in XXXX. My next purchase was Holiday Shopping in XXXX. Kohls claims that there was a purchase in XXXX or XXXX which I do not recall. 

I asked Kohls Credit to please investigate because they were negligent on properly informing me on my payment status and there was a purchase that I possibly did not make, which is why I did not send a payment because I was unaware of a balance. I asked the rep and the supervisor to do the right thing and take the 60 day late delinquent report on my credit report. They refused and told me to call the president of Kohls. I even said I'll pay the balance IN FULL if you just take it off my credit report and the supervisor said he doesn't have the power to do that. They, again, told me to call the President. 

I called Kohls customer service and they said they opened an investigation but I get this feeling that no one is trying to help me. 

**This report will be CC'ed to Consumer Affairs, Attorney General NY, Attorney General WI, and Consumer Financial Protection Bureau**
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPTEDXXXX   XXXX {$13000.00} XXXX  XXXX {$1700.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX {$0.00} XXXX XXXX {$11000.00} XXXX   XXXX {$250.00} XXXX  XXXX {$830.00} XXXX XXXX   XXXX {$850.00}
Product: Bank account or service

This complaint is in reference of CFPB Case number : XXXX. 
The response from Wellsfargo did not address the complaint. The issue here is that Wellsfargo steals my money of {$1700.00} and using fake excuses to cover up. 
I am the one who opened the checking account. I did come to XXXX branch to see banker named XXXX and showed her my driver license to prove my identity. 
As per XXXX at Wellsfargo Identity Theft Operation ( XXXX ), there is no identity theft claim. I have tried to call and left several messages @ XXXX but no one ever calls me back. Wellsfargo created this whole fiasco to steal my earnest money. 
I still have {$1700.00} in my account. I want the money to be refunded to me. The issue here is Wellsfargo does not want me to have access to my money or return the money to me. 
I do not raise any concern about identity theft with Wellsfargo. I did check my credit report and did not see anything new. Wellsfargo made up the whole story. First, I was told someone tried to use my profile to open the credit card. Later, I was asked to come to the branch to prove my identity. Now, Wellsfargo said the account was opened without proper authorization while I am indeed the one to open the checking account. I demand Wellsfargo to refund my money ASAP. Thanks.
Product: Checking or savings account

Been with them every since XXXX and they always never Helping out if need to do loan turn me down always when deposit check they give me probably and my business account been banking with them they always turn me down
Product: Checking or savings account

I am one of the people that had bank of America during the pandemic and my account was blocked and money was stopped because of people not doing their job
Product: Debt collection

I just ran my credit report for the first time last year and this is how I made the discovery that my identity had been compromised. I have filed a police report with the XXXX police department. You can contact the XXXX police department for verification. I have never lived at the address the creditors have listed on file nor was I living in XXXX al at the time of service.. 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) collections department {$400.00} date opened : XX/XX/2017 account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code XXXX civil liability. 
I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 
I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Mortgage

In  XXXX  of  XXXX  our garage was destroyed in a windstorm. The insurance company sent out an adjuster and we began the process of rebuilding our garage. In  XXXX   XXXX  we were notified by  Dovenmuehle Mortgage Inc. th at they would be our new mortgage servicer. The next time we received a che ck (   XXXX   XXXX   ) fro m our insurance company we conta cted DMI and  were told that they needed to approve the proposal from our contractor. We explained that this part had already been done by our previous mortgage servicer and that the building was almost complete at this point. We were asked to provide the adjuster 's report, the estimate from the contractor and to send them the check for endorsement, which we did. Shortly after this we received the check back in the mail unsigned with a letter stating that we needed to endorse the check to them so that they could hold the money and dole it out in thirds as the work proceeds. We called to speak with our designated customer service representative, but she did not answer. We left several messages with no return call. Finally we spoke with someone else who said she was a supervisor, but indicated she had no authority to help us. Everyone else we spoke to would only read us something from their policies. They refused to give us the name or extension number of anyone of authority. We filed a complaint with our state banking department, the better business bureau and   XXXX   XXXX  . We just  received a letter that after four months of " reviewing our account, '' DMI has " located '' the insurance adjuster 's report and ordered an inspection. They are deliberately obstructing the completion of our garage and are not following the   XXXX   XXXX   guidelines as required. Our state banking department indicated to us that CFPB is the regulator for Dovenmuehle. We hope that you   will be able to require them to release the insurance proceeds to us.
Product: Mortgage

I have inserted an email communication below that contains the history of what happened with our Morgage company. In addition to what is below, we have since recent bank statements and more details 3 times. Each month the company either claims the statement is not sufficient to get the payment properly applied and credited even though they accepted and cashed the eCheck. I have spent more than 10 hours of time on the phone with the morgage company customer service reps. Each time I'm assured it will be resolved if I just submit my info but then the next month it all starts over with a threat letter about defaulting. Below you can read details and specifics about the initial actions. 


Attached please find proof of payment for loan number xxxxxxxxxxx, which is for the property at XXXX XXXX, xxxxxxxxx, VA XXXX. 

The loan is under my husbands name. 
XXXX Bank Information XXXX Bank Routing Number : XXXX Account Number : XXXX The XXXX payment was apparently sent to the wrong address using my XXXX bank bill pay services. The correction of address has been made for any upcoming payments and was successfully transmitted for the XXXX payment. 

After speaking to your customer service, it was requested for me to send proof of payment from my bank account for the XXXX payment that was sent to the incorrect address. Freedom Mortgage did cash the check sent by XXXX bank, but my account was not credited. 

Enclosed find a XXXX statement which shows the transaction cleared on XX/XX/XXXX. I am also enclosing a screen shot of the part of that statement which shows that transaction highlighted. 

If you need any further information, please let me know by calling me at XXXX or my husband XXXX Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 placed a dispute with XXXX requesting that a XXXX   negative item be removed from my credit report due to the first day of delinquency had exceeded 7 years. 
XXXX did not remove XXXX negative item despite the FDOD being longer than 7 years. 
XXXX investigated the dates of the MOST RECENT transactions instead. 
XXXX  said the most recent transaction were correct so they were not going to update my credit file. 

My dispute was not about the most recent transactions dates - it was about the oldest transaction dates with exceeded years. 
XXXX  removed the older dates from my credit report - having it appear as if the 7 years had not been reached. 

Since I am making this complaint there is another item - A XXXX XXXX debt that has also passed the 7 year DOFD. 
I want XXXX to follow the law & update my credit report with the removal of FDOD items. 

I placed the same dispute with XXXX  - they removed both items that were beyond the FDOD reporting window. 
I placed the same dispute with Equifax - Equifax also didn't investigate the FDOD - they confirmed the dates of the MOST RECENT activity - exactly as XXXX has done.
Product: Vehicle loan or lease

On XX/XX/2019 I noticed on my capital one auto finance app that {$4800.00} was paid towards the loan But my loan amount on my car never went down. It just stayed at {$18000.00} which now even when I paid another {$870.00} towards the loan because I fell behind which that never was put into the total amount towards my loan either. Paid that in increments on XXXX, XXXX, and XX/XX/2019. When I looked online it said all my payments went towards the interest and principal which I never signed for. I went through my contract it doesnt state that I have to pay the principal and interest off first and then the rest of the loan. Even after I paid to get caught up they turned around and said Im still 130 days late how does that work?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX multiple times to verify three accounts and they have not sent me supporting information on these accounts that have been bringing down my credit score. I have asked and written multiple times over the last 4 months to submit the verifiable information and I receive " updates '' and " remains '' on credit report. They have not sent in supporting information and continue to report past due amounts monthly on accounts that are past due and closed. This is a violation and they will not submit any information after months of requesting. I made the first request in XXXX and subsequently months after. I have called, written physical mail, emailed and disputed online. I have asked to delete these accounts and they remain on my report. It is hurting my credit and they can not tell me where these accounts came from in the first place. Dates are inaccurate, accounts are fraudulent and it continues to be updated monthly as " past due '' on a collection account. 


XXXX XXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX of {$2500.00} XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX {$2700.00} XXXX Credit Card - OPED XX/XX/XXXX XXXX Account Charge off PAST DUE as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts and hard inquiries Account Name : XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. 2. Account Name : XXXX of XXXX Account Number : No Account Number Listed Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft and directly related ot XXXX  experience. Account Name : XXXX XXXX XXXX Account Number : No Account Numbers Listed Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. 

Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.