23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke with XXXX XXXX XXXX on today XX/XX/2020 @ XXXX XXXX and spoke with XXXX XXXX one of the managers ) and another manager who didn't want to provide her name. I've been asking for over 6 months for this company to dispute the amount is due with the original client which is XXXX XXXX  and they fail to do so. I reached out to XXXX XXXX XXXX XXXX XXXX XXXX  to be exact ) and spoke with the property manageXXXX. She informed me she never received any type of dispute from XXXX XXXX XXXX At this point the CFPB should investigate and shut this company down by responding with false and fraudulent information. The managers admitted via phone they don't have any documentation stating they reached out to the property. I would like for this company to provide a response with the current date XX/XX/2020 documentation. My next step will be contacting an attorney and taking this company to court and letting the judge listen to the phone call from today XX/XX/2020 in which the supervisor admitted they don't have any documentation from XXXX XXXX  Also, I did not sign a lease with this company I would like to SEE MY SIGNATURE ON THE LEASE that signature on the lease does not belong to me. Its a computer generated signature its not my signature. I would love to take this case and file to court. I wasn't even in town when this lease was generated I was in XXXX, MN at the XXXX XXXX having surgery. Please provide to the CFPB a copy of the lease and a copy of my drivers license which shows my signature. It does not match because I did not sign a lease with XXXX XXXX.
Product: Checking or savings account

So today ( XX/XX/2018 ) I woke up from a buzzing of my phone and saw that I have a lot of notification from Wells Fargo. Turns out my checking account is in $ XXXX because of {$140.00} auto-payment for my insurance ( which they should've took it out on the XX/XX/XXXX and the {$49.00} auto-payment for my internet. So at XXXX XXXX I called Wells Fargo because I thought there has been a mistake with my insurance company and I asked the lady if she can stop the overdraft fee that they were going to charge me ( because they charge fees right away ). She said that she can't stop it but I can give them a call back and they will refund it to me. Then I drove to the bank at XXXX XXXX and deposited {$180.00} in my checking account. When I opened my Wells Fargo app it says that I still owe them and my account now says $ XXXX. I called them right away and asked and they said it was because of the overdraft fee. Now I told the guy that I called earlier this morning about it and they said they would refund it to me ; he checked and said my account is not eligible for refund and that the fee will stay. I asked him the reason why it didn't show the fee earlier and he said it was because it's before XXXX XXXX. Now I totally understand that but I called before XXXX XXXX to stop the overdraft fee and told me they would refund it and now they're telling me they will not refund it. 

Wells Fargo have been doing shady things, cheating their customers and been stealing their customers money. It's such a disappointment that they never actually did anything to make their customers satisfied and happy. 

Oh and one thing. I know someone that works in Wells Fargo and she was telling everyone how satisfying it is to see someones account get overdraft and how they love charging them fees and taking the customers money. What a disappointment.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing this complaint to you today to address a matter of utmost importance regarding identity theft that has impacted me. I discovered suspicious activity on my credit report, this was brought on by a data breach from XXXX XXXX in XXXX. After reviewing the information on my credit report, it came to my attention that several unauthorized accounts have been opened in my name. I was and am deeply concerned about this breach of my personal information and the potential repercussions it may have on my financial well-being. I have taken immediate steps to report this identity theft incident to the local authorities and have obtained a theft affidavit which I have enclosed with this complaint for your reference. I have also contacted the affected financial institutions and desire the placing of fraud alerts on my accounts to prevent further unauthorized activities. As I reported the problem to Equifax Credit Information Services LLC to rectify this issue, and they removed all but 1 account from my report I kindly request your assistance in blocking the fraudulent account listed on my credit report with Equifax. 
The unauthorized account in question is included on the attached affidavit, and it was opened without my knowledge or consent. I have not initiated or authorized any transactions associated with this account. In light of the seriousness of this matter, I kindly request that Equifax initiate an immediate deletion into this fraudulent account. It is crucial to ensure that the inaccuracy resulting from this identity theft is promptly removed from my credit report. 

The account in question is : XXXX XXXX XXXX  XXXX -- XXXX Enclosed with this complaint, please find the following documents that support my claim : 1. A copy of my identification for verification purposes. 

2. A copy of the FTC Affidavit detailing the identity theft incident. 

I understand that resolving cases of identity theft can be a complex process, but I sincerely appreciate your prompt attention to this matter.
Product: Credit card

I had a statement balance on my account that I made full payment on the statement balance but instead ended up with interest charges. The due date was Saturday XX/XX/2023 which was a Saturday. I made the payment for the full amount on XX/XX/2023. I was never aware that Capital One credit card had any issue with paying after XXXX XXXX XXXXXXXX which other financial institutions I had accounts with never did. First, I was charged late payment fee of {$40.00}, when I actually paid on the payment due date. When I called to challenge their actions the late payment fee was then waived instead of it been reversed. This showed me that this credit card provider was shady and out to extort money from consumers at any opportunity. When I logged into my account today, I realized that I have been charged a purchase interest rate of {$110.00} on a purchase balance of {$6700.00} on a 20.49 % APR. So I called again to ask why I was been charged that interest and the reason given was because my payment was late. This is so annoying knowing that I submitted payment for the full statement balance on the due date, and after making such huge payment on time of {$9200.00} statement balance to avoid the interest, I was still charged interest, showing how insensitive and mean this company is to rob a customer of their hard earned money in this time of difficulties that all Americans are trying to make ends meet. I am aware of people that are not even able to make minimum payments and with all effort to make full payment on time this is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under XXXX XXXX XXXX XXXX section XXXX ( k ) ( b ) ( ii ) can be considered an adverse action. 


Equifax ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX Collection : XXXX XXXXXXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX DIST XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX, NJ XXXX Inquiries XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX, CT XXXX Inquiries XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reappearance of information on my credit report that was previously removed due to its identification as fraudulent and related to identity theft. This action is in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block information resulting from identity theft upon receiving proper documentation. Furthermore, Section 611 ( a ) ( 5 ) ( B ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) prohibits the reinsertion of previously deleted information unless the bureau : 1. Certifies the accuracy of the information, 2. Notifies the consumer in writing within five business days, and 3. Provides the name and contact information of the furnisher who certified the informations validity. 

The reinserted item is attached to the identity, theft affidavit statement, which is enclosed. 

As I have not been provided with any certification or notification regarding this reinsertion, this constitutes a violation of the FCRA. 

I request the following actions immediately : 1. Reinvestigation and Removal : Conduct a thorough reinvestigation and permanently remove the fraudulent information. 
2. Provide Documentation : Send me copies of all information and documentation that was provided by the furnisher of the disputed account to verify its validity. 
XXXX. XXXX XXXX : Ensure compliance with the FCRA in future handling of my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act these creditors has violated my rights under 15 USC 1681 section 602, which states the right to privacy. 15 USC 1681 states section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have several accounts on my credit report showing closed/ charged off still owing a balance deliquent etc.and I have tried to resolve these accounts several times but got no response and nothing is being done as a matter of fact there is a whole lot wrong with my credit report that is preventing me from getting anything, all three credit bueaus are not reporting the same things i have unknown unauthorized hard inquiries on my account they are reporting late payments on my account accounts that should have been off are still on showing a balance due i have sent validation letters letter form the clerk regarding my bankruptcy everything nothing is being done. 
1.RESURGENT CAPITAL SERVICESS L.P 2XXXXXXXX XXXX XXXX XXXX now XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent out a dispute letter to XXXX, XXXX and Experian enclosing my ID and Social Security Card. I received a letter from XXXX dated XX/XX/2024 requesting additional vital documents such as ID and social security card for my request. These documents were enclosed with the disputer letter sent on XX/XX/2024. 

I also received a letter from XXXX indicating that my dispute has been verified previously, however, I have proof of whom they say verified the letter is in fact untrue. XXXX did not do another investigation per request. Proof was also submitted with dispute letter. 

I also sent in additional documentation received from US Clerk of Court regarding bankruptcy listed on my credit report. I requested XXXX, XXXX and Experian do an investigation due to the enclosed letter indicating the court does not report to credit bureau 's.
Product: Mortgage

I recently applied for a home loan with my bank, U.S. Bank. I was pre-approved rather easily and began the home search. While searching for a home I made sure to send in all the documents I would need to move forward with the closing process so there would be minimal delays and to make it easier on the lender. However the loan officer I was working with, XXXX XXXX, wasn't helpful at all. I had to reach out multiple times to ask what the next step was and multiple times had to wait several days for a response or didn't hear back at all from him. As of XX/XX/2020 I had all my documents including the signed sales contract for my home uploaded or sent in. I indicated to XXXX that I'd like to move forward with closing and lock in the interest rate for that day. For the next 2 weeks I emailed XXXX asking for an update and he told me the processor, XXXX XXXX, would be getting in touch with me. She never did. I followed up with her and still received no response. It wasn't until I emailed another representative, XXXX XXXX, on XX/XX/XXXX that I was notified that she would get everything processed. She indicated a closing date of XX/XX/2020, almost an entire month after my expected closing date. XXXX was as helpful as she could be and I appreciated her stepping in and doing her best to resolve the situation quickly. However XXXX was not at all helpful and I still haven't heard anything from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inaccurate information that XXXX XXXX XXXX Bank has reported to the credit reporting agencies about my account. I believe that the bank has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX XXXX Bank has failed to report accurate information to the credit reporting agencies, which has led to inaccurate credit reports and has negatively affected my credit scores. This violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, the bank has failed to conduct a reasonable investigation of my dispute regarding the inaccurate information reported to Experian, which violates Section 623 ( b ) of the FCRA. 

Furthermore, XXXX XXXX XXXX Bank has violated Section 312 of the FACTA by failing to maintain reasonable procedures to ensure the accuracy of the credit report information it provides to the credit reporting agencies. 

The bank has also reported different dates of last payment and last reported dates to Experian and XXXX, which violates Section 623 ( a ) ( 5 ) of the FCRA. This inaccurate information can lead to inaccurate credit reports and affect credit scores. 

Lastly, the bank has reported a late payment on XX/XX/2021, to Experian, when in fact, no late payment was made on the account. This inaccurate information violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA and can affect credit scores and lead to other negative consequences. 

These inaccuracies have had a significant impact on my life. I have been denied credit and have been forced to pay higher interest rates due to these inaccuracies. The inaccurate information has also caused me significant emotional distress and has made it difficult for me to obtain employment and housing. 

Therefore, I respectfully request that XXXX XXXX XXXX Bank remove the unverified collection account from my credit report, as required by law. I also request that the bank take all necessary steps to ensure that accurate information is reported to the credit reporting agencies in the future. 

Thank you for your attention to this matter. 

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

According to the regulations of the Covid-19 forbearance program, no late payments are to be reported to a credit bureau during the forbearance era. I wasn't late on this account. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XX/XX/year> ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

`Hello, I have monitored my credit score for years with an Experian account. I have it on my cell phone to monitor it closely. On XXXX XXXX I get the usual notification about my credit score increasing by XXXX points. On XX/XX/2023 I get another notification, this time it made me lose my mind, Experian was stating I NO LONGER have a credit score. I called them right away, same day! I spoke with 3 different rep 's I spent an 1.5 on the phone with Experian trying to get an answer and hoping that they will be able to figure out their mistake, the 2nd rep said he needed it to transfer my call because he said it was really weird that yesterday I had a score and today it disappear, last Rep was with client services. She clearly told me that there was NOTHING Experian could do, that this only happens when accounts are NOT active or the accounts are closed, she continued and ask If I had open credit cards at this time??? I told her there must be an error 'I have abt 14 lines of credit '' she said that I needed to contact my credit cards and ask them to report because they are the ones that are NOT reporting to Experian!!??? Please help!! Attached you will find the screenshots of my notifications, this makes no sense I have ben wasting a lot of time on the phone with Experian risking my job! My HEALTH!!!
Product: Credit card or prepaid card

My Mother had an account with Comerica Bank, and she has passed. Comerica sent a check for the balance of {$14000.00} to XXXX XXXX, in California. XXXX XXXX notified Comerica that they located me, and that I, as her son, would be handling the matter. When I called the bank, they would not let me speak with a manager, and only referred me to a probate phone number which you can not speak to a rep, or leave a number, but only refers you to their email address. I sent them numerous emails, including the email thread with XXXX XXXX. Only after a lengthy time they responded stating that I should send them the check, and supporting docs, which I did, and that they would reissue a check in my name. I sent it to them that same day ( XX/XX/XXXX ) via certified mail to their XXXX XXXX XXXX My tracking receipt showed it arrived on XX/XX/XXXX. I then emailed asking that they let me know they received it. I got no response until today XX/XX/XXXX stating that I needed to send them the check, and supporting docs., which I had done that previous week. When I called them, again I was told I could not put me through to a person in charge. I asked that they have someone contact me a.s.a.p. concerning the matter, and gave them my number, but again no response. At this point I am at a loss as to what I can do to resolve this, and have some closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account since XXXX of XXXX and the account has been verified by XXXX  and Experian multiple times, yet each time they have verified it, they have also altered information, amounts and dates, making the account appear as newer than it truly is. 

I have requested information from Experian, XXXX  and XXXX XXXX XXXX, requesting they provide the information they are using to verify the account and they have ignored my request every single time. Experian and XXXX  just keep altering the information on the report even though the information was verified as accurate in the previous dispute. With each update, they have caused my credit scores to drop significantly because of the inaccurate information they have been reporting. 

I just recently learned of the CFPB being available to report Experian and XXXX  to, I wish I had known sooner. I was under the impression they were consumer protectors as well. I have not been able to be approved for student loans while I was going to school and have missed two semesters since. It seems absurd they could have access to your credit and cause such damage that literally impacts you and your childrens lives so negatively. 

I have kept records throughout the process, copies of certified letters, receipt of those letters and responses in the updating that was done. The most recent response was altered again and is still reporting inaccuracies and violations. 
No Credit Limits reported Inaccurate High Credit Limits No Closed Dates Closed Dates were actually removed Date of Last Activity has been updated to appear newer Date of Last Payment has been updated to appear as newer It was not a paid collection Date of First Delinquency has been altered The Date of First Major Delinquency was updated to XX/XX/XXXX The Date of First Major Delinquency was JUST changed to XX/XX/XXXX Experian and XXXX  have ignored my requests to provide the verification information available XXXX XXXX XXXX  has ignored my requests for information on this account None of the reporting agencies have provided any information on this account, yet they keep changing it after they reported each previous time the account was verified. XXXX removed the account from my report due to the inaccurate information.