23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Letter of Instruction to all 3 credit reporting agencies regarding errors and omissions to my personal information such as names used, addresses and employment history ... I also questioned why 30 or more years of my mostly good credit history apparently disappeared ... this was apparently credit history under my maiden name ... I included all documentation that was required ... along with a Consumer Statement with supporting documentation that I requested to be included with my credit report ( s ) ... all 3 agencies either can not read or just plain did not do their job ... none of them fixed the errors or add the omissions that I requested ... there were partial fixes ... but between the 3 agencies I had items removed and added that were completely contrary to my requests ... I am not even talking about any creditor information ... I am taking about personal information errors ... I am beyond frustrated ... I am ... excuse my language ... XXXX well XXXX off ... my credit was ruined thanks to my ex husband and now I can't get the credit reporting agencies to fix simple errors and omissions ... I am trying to find a place to live after being XXXX for over a year and I am XXXX years old and XXXX ... I live on XXXX but I finally received my Housing Choice Voucher in the county in which I live after waiting almost 4 years to get it ... I spent a nice chunk of change printing and copying everything and then paid to send it all 2-day priority mail ( that was another nitemare cuz nothing was delivered on time but the USPS only guarantees Priority Express but failed to inform me of that ... even tho I told them I needed everything delivered asap ... and paid for a signature on delivery ) anywho ... I have no idea where to go from here ... I bent over backwards trying to get what I could corrected to absolutely no avail ... on top of that ... I am supposed to be able to view my free credit reports from all 3 credit reporting agencies ... online ... weekly ... XXXX says I can only " refresh '' my report every 30 days and Equifax does not have online viewing ... they expect you to print and complete out a form and then mail the form and a bunch of stuff to them ... I just freaking did all that ... something seriously needs to be done about these agencies ... they hold way too much power and are not being held accountable for the accuracy or inaccuracies in their reports ... I would also like to know who to contact or how to go about requesting that divorce decrees be included and be honored by the credit reporting agencies ... my ex husband is legally responsible for about 95 % or more of the bad debt items included in my reports ... but all I can do is write up a Consumer Statement only to have all 3 of them completely ignore it ... in the meantime I am stressed completely out because I am freaked out that I wont find a decent place to live because of my poor and very risky credit score ... I am at my wits end ... please HELP
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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  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: Mortgage

I was a XXXX customer. I went into foreclosure and they received FHA insurance payments towards the loan but did not inform me for 6 months. I contacted The HUD executive team via President Obamas cabinet and immediately I was granted the modification in fact it had been approved for months. I made my payments on time but 5 months later the roof caved in in one bedroom. I contacted XXXX XXXX XXXX. They sent XXXX! XXXX XXXX gutted the entire top floor leaving only the shell of the house. I was informed that I had to pay the contractor to avoid the house from catching a fire due to exposed electrical wiring. I was compliant. The insurance company waited 3 months to submit the check with the contractors name attached. I BEGGED EVERYDAY FOR THE BANK TO MOVE QUICKLY. I CONTACTED THEM EVERYSAY TO AVOID GOING BACK INTO FORECLOSURE BUT they informed me that there property damage and customer service team were both a part of XXXX but did not communicate or collaborate. Soon thereafter I was placed in Foreclosure AGAIN!!! The bank said I had to wait a year to qualify for assistance I waited I was told then that I was misinformed I had to make payments for a year. I was livid!!! I was then transferred to Midfirst Bank. I provided them with all documents but received a sell date of XX/XX/2019. The sell date was made before the midfirst ownership. Midfirst told me that I DID NOT QUALIFY ON XX/XX/2019. Please help me! Please
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2016, there were 6 unauthorized credit checks done on my report. 1. XXXX XXXX-twice 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX. 5.XXXX XXXX ... .. I test drove a Truck at XXXX XXXX 's XXXX XXXX in XXXX, NC. and brought the truck back and told them I had changed my mind and left.I later discovered thru XXXX XXXX, that they had pulled 6 hard inquiries.
Product: Credit card or prepaid card

My CareCredit Synchrony Bank account started adding a fee for Account Security without my permission. This fee is based on the account balance. I signed up to have the minimum payment due automatically paid thru my bank account. The minimum payment calculated by CareCredit does not cover this fee. Therefore, each month my balance increases, and this fee increases. I contacted CareCredit and they stated this fee started in XX/XX/XXXX and they would refund 3 month 's worth of these fees ; however, I am looking at statements back inXX/XX/XXXXthat show this fee. I don't currently know how far back these fees go since this account has been open at least four years. When I went to the CareCredit website I could only view transactions back toXX/XX/XXXX.
Product: Checking or savings account

On Sunday XX/XX/XXXX Wells Fargo bank notified me of suspicious transactions on my account. I called the bank I told them it was not me making the transactions. I asked them to put a hold on my accounts. On XX/XX/XXXX someone impersonating me called Wells Fargo bank and gained access. They were able to change my contact information and also change online account access. They also made numerous high value purchases. They also gained access to all my accounts with the bank and they started transferring money between the accounts. I went to the bank and got them to freeze the account and was told by the banker none of my accounts were frozen. I placed a security code on the account and also asked the bank that if any changes that need to be done a persons needs to come to the branch to do it. The person called again and was able to change all the account information and also reported that I was not the owner even though I went into the bank. I went to the bank again to fix all the account information. I was notified that the person fixed an appointment with the bank to come in person to make changes to the account. I asked the bank if they could do anything to prevent this fraud from repeating so many times and they said they can not call the police on the person. We called the local authorities and seems like no one can do anything. For the past week the person with impunity is going to stores in my neighborhood and online making transactions but no one seems to care on arresting them. It is sad that the bank can not fix this fraud and does not care hence the person has the ability to continue doing the fraud for the past week.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : XXXX
Product: Checking or savings account

On XX/XX/year>, I received a call from an individual saying that he was from Wells Fargo and that he had noticed fraudulent activity on my account. He was able to read several transactions I made and then he told me to make a XXXX transaction to an individual that I did not know. I immediately called Wells from another phone and they identified that this individual was not an employee. Wells quickly closed my checking and savings account as well as cancelled my debit card. The individual made four fraudulent transactions and reports were filed. Wells quickly identified these as fraud and restored three of the four. The fourth and largest transaction was for XXXX cash and Wells tried to recover the amount from XXXX and when XXXX declined, Wells said that the transaction was valid ( which it wasnt ). I have filed complaints and escalated it to just about every department I can at Wells only to received a very canned response from them. Not only did the hacker steal from me but I now feel like Wells is doing the same thing. The fraud was committed because the hacker gained access to my account ONLINE and because Wells cant get the money from XXXX, they are taking it from me ( so in essence, I have been victimized twice ). No one seems to care that my entire savings is gone and what I find unbelievable is that fraud was clearly identified and I was not at fault but I am being penalized. It is not my fault that XXXX is a third party, it is not my fault that the hacker was able to get {$4200.00} from my account to use for XXXX cash but that doesnt seem to matter to Wells Fargo XXXX I filed a police report, I have documentation of the fraud but again, that doesnt seem to matter to Wells Fargo !
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They removed some reports from Equifax but they were not able to remove it from XXXX and XXXX. 
The company showing on my report are XXXX XXXX XXXX XXXX. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of 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.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Checking or savings account

Regions charged me multiple overdraft fees even when accounts were hacked
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX 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 am filing a complaint against Navy Federal Credit Union ( NFCU ) for their failure to respond to my direct request for critical verification documentation and bonding information regarding an unauthorized withdrawal from my account. 

On XX/XX/XXXX, {$10000.00} was withdrawn via check from my checking account without my authorization. I raised concerns with NFCU about their improper verification process, as the name used in the request did not fully match the name on my account. Despite this discrepancy, NFCU processed the transaction, enabling potential identity theft and causing me significant financial harm. 

On XX/XX/XXXX, I sent a detailed email to multiple high-level executives at NFCU, XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX ( XXXX XXXX ), requesting : 1. Documentation of the verification process used to approve the withdrawal.

2. The surety bond information associated with NFCU for filing claims related to this matter.

To date, I have received no response from NFCU. Their lack of transparency raises questions about their compliance with the Bank Secrecy Act, Regulation Z, and the Dodd-Frank Act which require financial institutions to conduct proper identity verification, ensure transparency, and safeguard consumers from unfair practices. 

I am requesting the CFPBs assistance in compelling NFCU to provide : 1. Verification records related to this withdrawal, including compliance with internal policies and federal laws.

2. Information regarding their surety bond for filing claims due to negligence.

NFCUs failure to address my concerns leaves me without recourse and undermines trust in the financial system. I hope the CFPB will help resolve this matter. 

Thank you for your assistance.
Product: Debt collection

I have a XXXX account that fell into collections for the amount of {$2100.00} due to a family tragedy. The original collection agency is Allied Collection Services located in XXXX XXXX. Allied Collection Services transferred or sold this debt to XXXX XXXX. 

I am currently working with XXXX XXXX to settle the debt. However, Allied is still reporting the transferred/sold debt to all three credit bureaus as if I still owe them the money. XXXX is also reporting the debt to all three credit bureaus. Therefore, I have ONE debt listed TWICE on my credit. 

I sent Allied a request to verify the amount owed. They did not respond. I sent XXXX XXXX a request to verify the amount owed. They responded and I am currently working with them to settle the debt. At this time I am requesting that Allied Collection Service delete the collection account listed under my social security number from all three credit bureaus, so I may continue working on an amicable solution with XXXX XXXX
Product: Debt collection

On or about XX/XX/XXXX I mailed a letter Systematic National Collection ( SNC ) in regards to a {$390.00} collection that they posted on my credit report. My correspondence was to try to settle the aforementioned collection. I did not receive a response via mail, but they were still sending me a bill threatening to report the debt to all collection agencies if I did not pay. A few months later, I received a call from a SNC representative named " XXXX '' ( no last name was given ). During our conversation, he stated that they had received my letter but could not accept the amount I had offered to close the case. I explained my financial situation and how difficult it would be to pay. He stated that the best they could do was to waive any interest fees but I would still have to pay the full {$390.00} in order for that to be removed from my credit. With that in mind, I sent SNC a payment of {$390.00} ( as it is the amount shown on my credit report ) on XX/XX/XXXX. On XX/XX/XXXX, I called SNC to see if they received the payment and check on the process of removing the collection from my credit. I spoke with " XXXX '' who admitted that they had received the payment but went on to say that it was n't the full amount and that I also owed interest. He claimed that the amount on my credit report XXXX {$390.00} XXXX and what I paid XXXX {$390.00} XXXX were different and on top of that I still owed interest. He would n't let me ask questions to help me understand and threatened to hang up the call ( which he ultimately did ) because " I talked over him ''. I called back a minute later and spoke to a different representative and tried to explain the situation to no avail. That representative stated that there were no records of " XXXX '' offering to waive the interest fees and remove the collection from my credit if I paid the full {$390.00} amount.
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 Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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