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

Experian is the worst I have sent him the same documentation driver 's license birth certificate passport to correct my name to include XXXX. They will not remove accounts that do not belong to me, I have over XXXX inquiries even though I had a freeze and a lock on my account. When you call in to update your phone number and email due to my information being compromised on the web they asked for one of the other and when you don't have them you don't have either you have to change them both they won't let you. Several accounts that aren't mine several accounts that are old.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX** 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Transunion in reference to my information being used but not authorized. I was given a letter to submit. I have submitted. I was told to check my inquiries in 24-48 hours to see it removed. it is still there. This is hindering myself from being able to secure a place to stay. These items are unfavorable and according to 15USC1681, this is unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying XXXX XXXX XXXX for a XXXX account since XX/XX/XXXX & they refused to update my credit report to show that I was making payments. On XX/XX/XXXX I came to an agreement which I got in writing from the before making final payment. They agreed to remove this from my credit report however today XXXX they told XXXX that I still owe them {$3400.00} when they have been paid in full. I called them & they deny confirming this to XXXX. I am caught in the middle & my credit score suffers & I am being denied credit due to this unfair reporting.
Product: Credit card or prepaid card

I was contacted by the company XXXX XXXX XXXX XXXX about a Military Star Card ( appears to be some sort of revolving credit account card ) with an inquiry about a recent new account opening and transaction. I stated that I had NOT opened an account with them and that I did NOT make any purchases. 

They noted their files that this was fraudulent activity and immediately closed the account. However, the purchase was still made and the debt remains outstanding and is reflected on my current credit reports. 

I am noting that this account and transaction was FRAUDULENT and that I did NOT open an account or make a purchase with the company XXXX XXXX XXXX XXXX : and their Military Star Card. 

Please resolve and note this issue.
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint today to apprise you of my ongoing issue as a victim of identity theft. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report # XXXX. Enclosed, please find the attached documents aimed at facilitating the removal of erroneous information and fraudulent inquiries currently appearing on my report. Below is a list of items that either do not pertain to me or were opened without my consent : -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>. Per FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to remove any items in the file of a consumer identified as stemming from an alleged identity theft within four business days of receipt.
Product: Checking or savings account

The facts : Wells Fargo Bank ( WFB ) repeatedly approached me with mail invitations to open business account during the summer of 2022.

As an incentive, they also included a bonus of {$1200.00} if certain conditions are met.

See attached Exhibit 1. 
I responded to this offer and opened account on XX/XX/2022. 
See attached Exhibit 2. 
On XX/XX/2022 I got an email that the account will be closed. 
See attached Exhibit 3. 
I called the number from this email trying to find out what happened. The rep from security department took over the call, was very cold and just repeated that it will be closed for security reasons. The account contained only {$25.00} at that point. 
I visited the branch again on XX/XX/2022 and talked to the manager, XXXX XXXX. 
He himself was baffled, called the central office, but didnt get any explanation. 
He told me he will file a complaint on my behalf. 
I got several calls from central office in response to this complaint. One of them was XXXX at XXXX on XX/XX/2022. None of these reps was able to give any explanation, just repeated the same legend of original email. ( Exhibit XXXX ). 

My complaint : I believe that WFB is not acting in good faith and trying to avoid paying the bonus promised in the promotion. I didnt ask for their business, they asked for mine.

That is one. 
Secondly, I followed the promotion rules in good faith, and spent my time to make appointment, come to the branch, open an account, and fund it. All this took more then 3 hours of my time.

Third, the bank subjected me to emotional stress and humiliation of closing my account without any explanation. I didnt do anything wrong, so why am I punished?

Forth, Im claiming my bonus. WFB has to be good on its promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2021, I brought to the credit report agencies attention that my information was being improperly reported by several closed accounts or unwarranted accounts and several inquiries. A violation of several USC laws as well as the IRS 's authority through the form SSA-89. This report will play as added evidence for future arbitrary and punitive damages caused by these violations.
Product: Credit reporting or other personal consumer reports

Experian is in violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian reinstated the below accounts on my credit report without proper protocol. I did not receive notice of these reinstated accounts via mail and these accounts were previous deleted and was not certified when reinstated. Please see attached deletion for the reappeared accounts. 

XXXX XXXX Report Number XXXX Acct # XXXXXXXX XXXX  Report Number XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXX - this account was previously being reported as XXXX XXXX XXXX Account # XXXX and was deleted. Experian has now reinstated this same previously deleted account under another name.
Product: Credit reporting or other personal consumer reports

This complaint is directed at AARGON Collection Agency, This corporation has been falsely reporting and illegally reporting and providing private information to 3rd party affiliate which is direct violation of the stated USC listed in this complaint. I've also requested to opt out on multiple occasions to no avail.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
( Pub. L. 106102, title V, 501, Nov. 12, 1999, 113 Stat. 1436 ; Pub. L. 111203, title X, 1093 ( 1 ), July 21, 2010, 124 Stat. 2095. )
Product: Mortgage

I was tricked into an all interest loan without given all the information of want the loan actually was until I started noticing that my principal did not move. The loan started out at XXXX and after 12 years it 's down to XXXX after I have put XXXX of my money straight to principle. 
the company is citi -finance. I have been told that i am under a predator loan. But no one has told me want to do about it. I refinanced the loan with them and they pushed the loan back to a thirty year loan.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX inquiries are : XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a car from Honda dealership XX/XX/XXXX. The car was totaled XX/XX/XXXX. XXXX  insurance paid {$22000.00} on XX/XX/XXXX. Gap coverage was purchased upon purchasing the vehicle. Gap coverage paid {$3800.00} on XX/XX/XXXX. Additional warranty was purchased at time of purchasing the car. Warranty paid {$1300.00} to American Honda financial on XX/XX/XXXX. This totally paid off American Honda financial. XXXX credit bureau was reporting 30 days late but have since taken American Honda financial completely off of credit report. XXXX has never reported American Honda financial as I know of. XXXX, which I have disputed several times in the past 2 to 3 months has not taken off the 30 days past due. I have attempted to talk with American Honda including a supervisor to which they refused to delete the 30 days late payment status. All payments from XX/XX/XXXX to XX/XX/XXXX were made as promised. The payment received from XXXX  insurance in the amount of {$22000.00} was paid directly to principal as well as the gap coverage of {$3800.00}. Payments on the loan were due the XXXX of each month. The extended warranty payment of {$1300.00} was paid to principle plus interest plus a late charge The late charge should not has been processed until the payment was 10 days past due. There was a 10 day grace period for the payment to be received. I have spoken with XXXX and American Honda financial and they will not delete the 30 days past due payment status. I would appreciate any help you might could provide. Thank you very much in advance for your help
Product: Mortgage

I currently have a mortgage with Wells Fargo. I recently applied to refinance the mortgage with another company. The company informed me that Wells Fargo is not reporting my mortgage payments to the credit bureau. I found this very odd and called Wells Fargo to inquire. I had a bankruptcy which was XXXX in XXXX and my mortgage was in the HAMP program from XXXX to XXXX. Since then each time I call Wells Fargo the automated system tells me that my loan is in bankruptcy. For the last 10 years I have asked them why the automated system still thinks my mortgage is in bankruptcy when it was excluded from the bankruptcy. Each time I was told from a Wells Fargo representative that it's because my mortgage was part of the HAMP program. Today ( XX/XX/XXXX ) when I called Wells Fargo and asked why they are not reporting my mortgage payments to the credit bureau, they stated it is because I never reaffirmed the mortgage during the bankruptcy. They also stated, this is something your lawyer should have done and they were not responsible to notify me at all. So for the last 10 years while making my payments on time or early, they reported nothing to the credit bureau nor did they take the time to look into my account when questioning the bankruptcy message I hear on the automated system. I had even worked with their mortgage team a few years back to lock in my interest rate as a part of the HAMP program and not once did anyone mention that none of my payments were being reported. A supervisor XXXX XXXX said it is not their responsibility to inform me or a part of managing the account. She also said their are no controls in place to inform a customer that their payments are not being reported. My mortgage today still has a bankruptcy status and with that status, they shouldn't even be talking to me. Shouldn't this sound an alarm or ring some bell to a customer service representative when I call them at least 6 times a year to ask questions. If they shouldn't have been talking to me, why were they? And if they shouldn't have been speaking with me, shouldn't they have sent me something in writing to correct the issue? Or inform me?? So for the last 10 years Wells Fargo has hurt my credit by mishandling my account and not informing me or the credit bureau of my payments. If I hadn't made the payments or was late, there are processes in place to inform me ; however, no process in place to help manage my account properly. XXXX XXXX said she would open a complaint however, could not provide me a complaint number for a few days ... and I would have to call her back to get the complaint number. Well that's really horrible customer service at it's finest.
Product: Credit card

Best buy credit card was opened in my name and charges were made to the card. I never applied for any credit cards from Best Buy nor do I shop there. Best Buy has closed the account and are investigating the charges. My identity has been stolen and now I am worried about future attempts to use my information.
Product: Credit card or prepaid card

Bank of America has practiced unscrupulous credit card practices. It is nearly impossible to find out what my minimum payment is. They change the minimum payment without my knowledge, then charge late fees! I am being charged {$270.00} for one month due to late fees. I was not notified of another change in my minimum payment, yet they took my monthly automatic payment of % XXXX each month without informing me of the changes. I contacted them via phone in XXXX and XXXX of XXXX and XX/XX/XXXX. I also contacted BOA on XX/XX/XXXX, via social media as well, only to be ignored. I never had a problem with my payments being late until the latter part of XXXX, unbeknownst to me. I also emailed BOA in XX/XX/XXXX via email seeking assistance with locating the minimum due date of the credit card but it is nowhere to be found in my account on the BOA app. I feel that they deliberately make it difficult to find the minimum due date and difficult to pay on time so that they can charge you late fees. This affects my credit score and payment score as well.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was, in fact, paid on time. The consumer reporting agencies need to report all my information with complete accuracy following the XXXX law. 

This account ( XXXX XXXX # XXXX ) has not been late on payments I've attached a copy of my report to this complaint on the following dates { XX/XX/year> }. 
I'm now requesting you investigate and provide me with verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

See all attachments.
Product: Debt collection

In XX/XX/XXXX i had an agreement with Synchrony Bank for Paypal Credit to have 2 auto pay deductions to pay off a credit line. They only took 1 payment and never notified me of the remaining balance. On XX/XX/XXXX i pulled my credit from annualcreditreport.com so I can prepare for a new job. I discovered that the balance is still showing up on my credit as a charge off. I called Synchrony bank right away, and they advised they has no notes about the auto pay, but showed the settlement amount, and the last payment due as well as the first payment taken. 

I then called back on XX/XX/XXXX to pay off the account. I requested that they send me something in writing showing it was paid off, and they refused. They claim they can not send me anything, they can only give a confirmation number. I then asked for them to send me a statement to show what's left owing. Again, they refused claiming they can not send me anything. I asked to speak to a supervisor and was told they don't have any. I requested to speak to someone else and they refused. I continued to ask for something in writing showing what I owe and the representative hung up on me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my current mortgage servicer Nation Star DBA Mr Cooper, reported misinformation on my credit report. they reported on my credit report that i was XXXX  days late on my mortgage payments, while they fail to accurately specify which month i was late. Ive spoken with them on the phone adnauseam, even tried to fix the issue with their dispute department to no avail. 
Nation Star have ruined my credit score, making impossible to me to acquire a mortgage at this time or get credit. any resolution in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX and Experian credit report, XXXX ( Account Number : XXXX ) is reporting an incorrect account status as Repossession and reporting a late payment every month. The accurate account status is Charged Off. I requested that this account be updated and the credit bureaus said that the creditor verified this account and it will remain as is. They have now verified it six times. XXXX is deliberately reporting outdated information to intentionally degrade my credit score. The latest status is a charge off and no payment history should be reporting.
Product: Checking or savings account

I travelled to XXXX XXXX XXXX XXXX for one evening. I went out to dinner with friends and used the ATM machine twice either at the restaurant or ATM machine my card was skimmed. THe perpetrators were able to use my PIN and withdraw funds from multiple locations within minutes of each other. At the time these transactions were taking place I was on a bus back to the airport. ALl supporting dicumantation was given to the bank manager. Originally my claim was denied, one purchase was blocked but was then approved on the second try. The bank has not contacted me when I asked to escalate to a supervisor and no transaction or other records have been forwared to me as requested. My account have always been in good standing and this is a business account. 

I flew out Saturday and back to XXXX on Sunday, my flight left at XXXX XXXX and I supplied a bus ticket receipt for XXXX departure. I notified the bank the very next morning but they said they could nto do anything becasue the cahrges were still pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of Creditors below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Creditor : XXXX ; XXXX date XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 sev
en 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX were sent certified letters notifying them of inaccurate information in credit report such as inquires, debt validation and outstanding information pass the 6-7 year mark to remove information according to the FFCRA. I spoke to a representative and they refuse to remove inaccurate inquires on credit file. The reporting agencies has not verify any of these inquires showing any proof that I have sign or authorized as such. I ask that any items 7 plus years get removed, any addresses and phone numbers that is not associated with me to be removed as well. My credit file is locked and is still accessible.