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

I am a victim of identity theft. Upon reviewing my credit report, I noticed a list of unauthorized inquiries and transactions that are not of my doings. 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 XXXXXX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that XXXX XXXX supplied to XXXX, XXXX, and Transunion. 

This item in question is a XXXX XXXX account that was opened XX/XX/2017 with a credit limit of {$1300.00} is inaccurate because it was reported late and charged off. I have proof of the payments made in the months in question. I am requesting that XXXX XXXX have the items removed and adjusted. I was about to get copies of my past banking statement from months in question, showing the payments were made on this account to XXXX XXXX. Payments are highlighted on my statements. 

Enclosed are copies of banking statement supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete and correct the disputed items as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting

XXXX XXXX letter : XXXX XXXX has ruined my credit score, from XXXX to XXXX. I closed both my XXXX account and XXXX account on the XXXX of XXXX. I ca n't even access my accout but I got a email this morning saying I owed XXXX on my XXXX account. Immediately paid it today but I had no notice, no account and they made a charge on XXXX XXXX, 5 days after my accout was closed with XXXX balance. In fact my rewards was XXXX or something which I did n't care about. They started late XXXX with some " Hard Inquiry " junk then sent me a XXXX credit limit XXXX card I could never activate. they wanted drivers license copies, SSA copy, bank statement copy, all of which I sent them and they still wanted more info, so I do finally had enough and told them to close both accounts. All my other account are paid up and on time. XXXX XXXX is ruining my credit score. if it does n't stop, I will take legal action because this is how big business ruins people 's lives. 
Sincerely, XXXX XXXX
Product: Checking or savings account

CHASE has put a hold on my check and has not given specifics - regarding how long a hold remains on a check AFTER the funds clear?
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act _XXXX XXXX XXXX  XXXX XXXX Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX Ct XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX and XXXX, I received multiple requests from XXXX XXXX XXXX XXXX on the XXXX  app, asking me to sell XXXX. XXXX XXXX XXXX sent the funds to my Bank of America account and provided screenshots of the transfer as proof. I verified that the money was credited to my Checking account and instructed XXXX to credit the corresponding XXXX to XXXX XXXX XXXX 's XXXX account. This is the standard procedure for peer-to-peer ( XXXX ) transactions on XXXX. 
However, on XX/XX/XXXX, upon checking my Bank of America account online, I noticed a retention of {$6700.00}, which coincides with the sum of the XXXX transactions XXXX XXXX XXXX made. I immediately contacted Bank of America, and they requested me to submit an email or proof of the transaction, providing a specific code for the email submission. I promptly complied with their request, but when I called XXXX days later to confirm if it had been received, I was informed that the code I used was intended for the claimant, XXXX XXXX XXXX, not me. They assigned me a new code, and I resubmitted all the relevant information and documentation, including screenshots of XXXX screens and chat conversations with XXXX XXXX XXXX through the XXXX messaging app. 
After a few days, I contacted the bank again to inquire about the status of the investigation, and they informed me that they were " still investigating and would get back to me. '' On XX/XX/XXXX, I noticed that the {$6700.00} retention was no longer visible in my Bank of America account. However, to my surprise, XXXX debits were recorded, reflecting the XXXX transactions and totaling {$6700.00}. I immediately communicated my concerns to the bank, but they assured me that the funds would be reimbursed by the end of the day. Although I tried to explain that the account activity appeared as debits and not credits, they insisted that I shouldn't worry and that the funds would be reinstated by the end of the day. 
To my disappointment, the following day, I verified that the XXXX transactions remained recorded as debits, and the funds were still deducted from my account. When I contacted the bank once again, I was informed that " the investigative team ruled in favor of the other party '' and that the case was now closed. 
Despite my repeated attempts to follow up on the investigation, I never received any communication from the bank nor an explanation regarding their decision. I was not given an opportunity to clarify the evidence I submitted or to provide additional proof that may have aided the investigation.
Product: Debt collection

I got a call from United collection bureau they informed me I had a medical bill and it is in collections. It was under someone elses name. I told them that was not me. Week later it was on my credit report. So I explained everything to the next representative who transferred me to the supervisor. He asked for my soc after giving him the last 4, I didnt feel comfortable giving him my full soc, he said he cant find anything. I called asked for it to get taken off my credit report and he said I can not if I can not find the bill. 3 weeks later, it miraculously was under my name and soc. They swindled me into a bill that literally is not my debt. It was {$600.00}, now 2 days ago I get a letter in the mail saying I can pay {$100.00} something to settle but if I dont Ill own {$140000.00} something and they will come for the full price. They are thieves and this is not right. The agent also told me that UCB does not report to credit agencies. Its just lie after lie.
Product: Credit reporting or other personal consumer reports

On or about XXXX XXXX I noticed a hard inquiry on my XXXX XXXX  that was not authorized on my behalf from synchrony financial. My personally information was stolen from my vehicle prior to this occurring. I had recently checked my XXXX XXXX  and have seen a hard inquiry from synchrony financial and want it removed immediately as it was not authorized by me. I have attempted to call synchrony and I havent received a response from them. I also attempted to call XXXX to have the hard inquiry removed immediately but they advised me to make a complaint and the agent that answered the call was rude from XXXX. Therefore I have to file a complaint with the CFPB in light of this situation to have my hard inquiry removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Transunion by certified letter to dispute inaccuracies on my report. That was actually my second letter, the first I didn't send certified so it was ignored and no response was given. So on XX/XX/XXXX I sent another letter. I requested the method of verification and none was given. on XX/XX/XXXX I sent another letter concerning all the inaccuracies on my report. On XX/XX/XXXX I sent yet again another letter pointing out the inaccuracies my report. XX/XX/XXXX I sent a letter once again because an account was and has been in violation from day one. The response was that they wouldn't reinvestigate the XXXX XXXX account because it had been verified. On XX/XX/XXXX I sent a letter stating that they were unwilling the perform a proper investigation. I asked for the files they have that proves this was my account since XXXX  couldn't provide a proper validation how could they? As I understand it the Federal laws state I can ask for that information and they are to provide per my request or Remove the disputed account. Needless to say my request was ignored. I am enclosing all the letters I wrote to Transunion about these unverified accounts. Please advise me as to what other steps I need to take, what other agencies I need to contact to get this matter resolved.
Product: Debt collection

On XX/XX/2023 I received a notice of a new collection on my credit report under the name General Revenue Corp without any prior communication about debt, attempt to collect, options to dispute or any verification of said debt. This dropped my credit score by more than XXXX points. I have hitherto not received any form of communication from this company and want this removed from my credit report.
Product: Debt collection

Once I moved and disconnected services and returned the equipment I paid the last bill This company states I owe for months previous when I wouldnt have had service if not paid The last bill was paid in XX/XX/year> for XXXX I believe Now this shows as a charge off and still on my records
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian, XXXX and XXXX to dispute the validity of an account showing up on my credit reports. I sent multiple letter to all three agencies. I explained in the letter that I have never done no business or received any service from XXXX XXXX  collections company. Any account with XXXX was merged with XXXX, I currently have my plan with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off Is Income and according to the FCRA Income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. SOFI XXXX CORP LLC, SOFIBANK, SOFIBANK N.A. Acct # XXXX and XXXX ( this is the same account with 2 different account numbers )
Product: Credit reporting or other personal consumer reports

The account listed on my credit report, XXXX, with XXXX XXXX, has already been paid to the current creditor, XXXX XXXX. The original creditor was XXXX XXXX, but it was transferred to XXXX XXXX, and I paid the balance on XXXX. The account is still listed as past due. This needs to be corrected and removed from my credit report. Thank you very much
Product: Credit reporting 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 confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX  {$120.00} XXXX XXXX XXXX XXXX {$48.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1900.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, A LETTER OF EXPLANATION IS ENCLOSED.
Product: Credit reporting or other personal consumer reports

My account with XXXX  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 those account 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. 


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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX/XXXX  # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet in XXXX. I immediately filed a police report. Since then, information has appeared on my credit report that does not belong to me. I have requested copies of my original signatures from creditors and the credit bureaus, yet I have never been provided with such. Not only have accounts been opened, but some of them have gone into collections. I have done all I can to resolve this. Next Step will be a civil suit against all 3 credit bureaus for reporting false information. The accounts listed below DO NOT belong to me, XXXX XXXX, and should be immediately removed from my credit report! Thank you, 1 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2100.00} 2 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Balance {$20000.00} 3 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$11000.00} 4 ) Date Opened : XX/XX/XXXX XXXX - Balance {$1500.00} XXXX ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1000.00} 6 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1500.00} 7 ) Date Opened : XX/XX/XXXX XXXX - Balance {$190.00} 8 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2900.00} 9 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1100.00}
Product: Mortgage

I attempted to apply for a loan modification with Wells Fargo in XX/XX/XXXX. I was told who my home preservation specialist was but I was never contacted by him nor did he answer any of my calls. Finally, after several attempts, I was able to speak with him and he stated that he didn't know he was assigned to my case. I then, spoke with different agents at Wells Fargo and they gave me different instructions on what to do. However, the last agent told me that I had to have my application in within 7 days of my Foreclosure date. Which should have been XX/XX/XXXX. I did so. Wells fargo called me on XX/XX/XXXX stating that they could not help me because turned my paperwork in too late. I called HUD and the escalation department at Wells fargo phoned me and stated that they would indeed review my case and attempt to delay the foreclosure. I did not hear from him until the Evening of XX/XX/XXXX. He stated that he couldn't stop the foreclosure, but, he would continue to review my case because they maintained ownership of the property. He kept sending letters extending the time frame to get back to me. Finally, I received a letter in XX/XX/XXXX stating that the foreclosure stands because they did not have verification of my employment start date. I expressed my disagreement with that response. I never heard from Wells Fargo again to this date. I received an eviction notice from XXXX XXXX XXXX in XXXX, XXXX. I also received a cash for keys letter from a XXXX XXXX XXXX at the same time stating that they were a DBA for Wells Fargo and they are handling my loan. Neither of the companies knew the status or process that was going on from each company regarding my loan. It is my prayer that something is done to save my home from this wrongful foreclosure. I have been very ill and had a XXXX due to the situation. I would like to file a complaint against Wells Fargo for wrongful eviction. Also the paperwork noting the sheriff 's sale which is attached to the eviction notice from XXXX XXXX XXXX does not appear to be signed by an individual. It appears to be cut & paste. I'm am attaching a notification regarding a class action lawsuit regarding XXXX XXXX XXXX for the manner in which they participate in foreclosures. I am also attaching other correspondence relating to my situation.
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX XXXX ), it appears that there are some inconsistencies and incomplete information among the XXXX major credit bureaus ( XXXX, XXXX, and Equifax ) : Account Number : XXXX and XXXX do not provide an account number. Equifax reports an account number that is partially masked as " XXXX. '' Account Type : All XXXX  bureaus report an " Open Account '' as the account type. Account Type - Detail : All XXXX  bureaus report " Open Account '' as the account type detail. Bureau Code : All XXXX  bureaus report " Individual Account '' as the bureau code. Account Status : Equifax reports " Notsatisfying XXXX '' as the account status, which is not reported by the other bureaus. Monthly Payment : Equifax reports a monthly payment of " {$0.00}, '' while XXXX and XXXX do not provide this information. Date Opened : Equifax reports a date opened of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. Balance : Equifax reports a balance of " {$2000.00}, '' while XXXX and XXXX do not provide this information. High Credit : Equifax reports a high credit of " {$2600.00}, '' while XXXX and XXXX do not provide this information. Credit Limit : Equifax does not report a credit limit, while XXXX and XXXX do not provide this information. Past Due : None of the bureaus report past due information. Payment Status : Equifax reports " At least XXXX  days or more than XXXX payments past due '' as the payment status, which is not reported by the other bureaus. Last Reported : Equifax reports a " Last Reported '' date of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. Date Last Active : Equifax reports a " Date Last Active '' of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. Date of Last Payment : None of the bureaus report a date of the last payment. XXXX Payment History : Equifax reports `` OK '' for most months, with XXXX instance of " CO '' ( which typically means charge-off ). XXXX and XXXX do not provide this information.
Product: Debt collection

JP Jenson & Collections has.froze my bank account stating I owe XXXX dollars for using XXXX XXXX XXXX in XXXX. I have contacted JP Jesnon on XX/XX/XXXX inquiring why my account has been frozen XXXX my monies have been taking and was told I was being garnished. On XX/XX/XXXX I contacted JP Jenson and spoke to XXXX whom was extremely rude, I requested any documents they have with my signature be sent to me, XXXX stated he would send them shortly around XXXX I still hadn't received I reached back out and has yet to receive my documents I requested but my account is still froze. I have tried to reach XXXX XXXX XXXX bond and they are no longer in business.