23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my numerous attempts to fix my credit file by removing the fake accounts and information from my credit report, the Credit Bureaus have been completely ineffective! My credit report contains a significant number of unauthorized requests, as well as some incorrect account and information reporting. Someone has stolen my identity, and I know it. As a result, I filed a formal complaint with the FTC under File Number XXXX. I have included that report in this complaint in line with FCRA Section 605B ( 15 U.S.C. 1681c-2 ). Please erase these items from my credit report as quickly as possible to ensure that I am in compliance with the law ( i.e., 4 days ). Please let me know if there is anything else I can do for you. I need you to fully erase the following items from my credit file : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX XXXXXXXX Balance Owed : {$100.00}. You have also failed to send me copies of proof of ownership verification, despite continuing to report these items, which is a clear violation of my consumer rights. You should have eliminated these things if you are unable to supply these papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, Transunion is reporting an open date of XX/XX/XXXX however XXXX is reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Student loan

I called navient on several occasions about my student loan and asking how I can get help. I explained to them rhat I was not working and they still offered me a payment for XXXX a month. I explained that I could not afford that amount and what happened to my forbarence that I applied for. The rep said she did n't shee one in the computer and I asked how was possible when your office contacted me and said I should receive paper work in the mail. She said she did not see that in the computer and I was currently pass due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't believe what I saw on my credit report.. It says late 120 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment history.
Product: Checking or savings account

On XX/XX/2024 a client gave me a {$10000.00} check # XXXX drawn on XXXX bank. The client asked me to hold the check for deposit on Monday XX/XX/2024. On XX/XX/2024, I deposited the check into my state bar regulated XXXX account. I was informed by Wells Fargo Bank that the entirety of the funds would be available on XX/XX/XXXX. The check represented fees earned and as such I waited 8 days to assure that the check cleared and funds could be transferred out of the XXXX account. 

On XX/XX/2024 in excess of 3-weeks ( actually 23 days ) after deposit, I was informed by Wells Fargo Bank that `` Checks deposited into your Wells Fargo account have been returned '' " The following deposited checks have been returned unpaid. As a result, we have deducted the following amount {$10000.00} from your account XXXX XXXX Account. '' They gave " stop payment '' as the reason. The consequence of Wells Fargo Banks actions is that they withdrew funds that belong to yet another third party. 

Since this is a state regulated account, I need to report what happened to the State Bar and as of the writing. On XX/XX/2024, I immediately called Wells Fargo Bank to find out more information to find out if there was a processing error on the banks part. I have now spent in excess of XXXX hours on the phone and communicating via e-mail in an attempt to obtain information from Wells Fargo Bank. As of the writing of this complaint, XX/XX/2024, Wells Fargo Bank has failed to provide me any meaningful information. I need WFB to take responsibility, give me the fact ( s ) and basis for their actions. 

I was told that the matter was escalated a number of times only to be met with silence. 

I need to know and see documentation : XXXX. When WFB received the Stop Payment request ; XXXX. What was actually requested by XXXX ( presumably on behalf of the issuer ) ; XXXX. Why WFB returned the funds w/o notice ; 4. Why WFB waited in excess of 3-weeks to return the funds. 

I need a response immediately and to see the funds returned. 

I reviewed the Federal Regulations in particular Regulation CC and the U.C.C. Article 4, believe that both WFB and XXXX Bank are non-compliant. 

At a minimum, WFB had to provide me notice prior to taking any action, they failed to do so. 

Your help will be greatly appreciated.
Product: Debt collection

This company has negatively impacted my credit without stating any facts such as authorized and confirmed purchase and ownership of debt from XXXX XXXX Bank. This company claims I owe XXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt, to please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. '' I don't agree with the results of their investigation as they have not replied after 2 letters ( 2 attempts sent ). I asked for proof of investigation and proof that this debt collector has a legal right to collect, or to delete this account. They have done neither.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX BANK XXXX Balance : {$820.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$10000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A NEW COMPLAINTAN DO NOT SEND ME THE SAME RESPONSE WITHOUT LOOKING AT THE ATTACHMENT TO THIS COMPLAINT YOU FRAUD COMPANY!!!! I have a loan with CCB/CHLDPLCE. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I placed XXXX XXXXXXXX on my Childrens Place account and they were required to pay all billing while I was out on XXXX  leave for those 12 months. They failed me!! I tried contacting both XXXX XXXX, ALL THREE BUREAUS and CCB/CHLDPLCE with no successful resolution. There was definitely an error on their part. You guys are reporting late payments for all different months for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! was never 30 days late XX/XX/XXXX, never 60 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days XX/XX/XXXX. THIS NEEDS TO BE REMOVED IMMEDIATELY!!!
Product: Credit card or prepaid card

In XX/XX/2022, I signed up for a new American Express card with an introductory promotion of {$350.00} statement credit after {$3000.00} purchase within the first 6 month. I met the criteria to receive statement credit and was awarded {$350.00} statement credit within 3 months. I decided to go with a better everyday charge card that was more suited for my spending habits with better benefits. In late XXXX, I close the account to avoid paying the annual fee knowing that I would not be keeping the card long term. The account was closed with XXXX balance. 

American Express, later added a {$350.00} ( statement credit ) charge to the account because the account was not active for 12 months before being closed. 

Apparently it was listed under the terms and agreement. This was listed in the finest print, not under the PromotionaXXXX terms but under the Annual fee which I find very deceptive. An annual fee which is waved the first year but if you cancel your account within the first year you are XXXX a fee of {$350.00}. 
even though they can uncancelled the card and reinstate the account, American Express refuses to remove the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Authorized User ) - XXXX XXXX XXXX XXXX
Product: Debt collection

My vehicle was traded to XXXX XXXX XXXX on XXXX/XXXX/16. The original contract was lost by XXXX XXXX XXXX XXXX which caused a delay in the funds being cleared for payoff. The delay and supporting documentation was communicated to Bank of America, but yet their customer service still reported it delinquent to the credit bureau, simply stating there was nothing they could do and that the reporting was an automatic process.
Product: Credit reporting or other personal consumer reports

Equifax is putting false information not deleted accounts that's been deleted and disputed already and have not removed it
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX  Account number : 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 XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

The collection with Waypoint Resource Group was paid directly to XXXX XXXX on XX/XX/18. attached you will find a copy of my receipt. Since I paid the creditor directly, the collection company does not have a valid collection. I have asked them to remove the collection from my report and they have only updated the report to a {$0.00} balance. They can not simply just update a balance on an account that they are not collecting on anymore. They need to remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account from XXXX XXXX, account # XXXX, shows a 30day late payment in XXXX 2018.The information is incorrect.I was never late.
Product: Credit card or prepaid card

Despite numerous attempts since XXXX, I have been unable to dispute the transaction online, and have been unable to reach a live rep without being placed on hold for more than 2 hours! 

I have tried to notify Capital one but Im forced to resort to send a letter, using my letter head, in order to wake someone up that this is serious and each time it occurs its increasingly aggravating. 

Im writing to dispute the following debits to my account : XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX Ive sent emails, sent faxes, and even left my call back number and name in the queue for a rep to call me back to no avail. I have filed a complaint with the Consumer Financial Protection Bureau. I understand that COVID-19 has disrupted businesses, including my XXXX, but common decency should allow to call me back. This is my final attempt. I have already spent a whole day on the phone trying to reach your staff, costing me nearly {$1500.00} which I expect to recove
Product: Debt collection

This company has attempted to collect the wrong amount the account has been closed as of 2017.
Product: Debt collection

XXXX XXXX is trying to illegally receive payments from me for monthly service that ceased on or about XXXX XXXX, on which date I was at least fully paid and may have been owed a refund. XXXX reps admitted XXXX XXXX I do NOT have the account or bill on which XXXX continues TO THIS DAY to try to collect a full fee monthly. I have audio recordings from my conversations with two different XXXX reps ordering cease-and-desist XXXX XXXX, after which XXXX sent two months ' worth of false " debt '' to a third-party debt collector, Convergent Outsourcing, which is threatening to ruin my outstanding credit history.
Product: Checking or savings account

Starting XX/XX/XXXX, I began receiving emails from a company called Chime. Up to this point, I had never heard of this company before. I found out that it is an online mobile banking service. The emails sent to me were congratulating me on opening a new account with them ( which I NEVER did ). Today ( XX/XX/XXXX ) I received an email informing me that my " Chime Visa Debit Card '' has been sent to me. The address the card was being sent to was XXXX XXXX XXXX XXXX, XXXX, CA XXXX. This is NOT my address. I have emailed the company several times and have not received a satisfactory response yet. Calling them directly is impossible because they are difficult to reach. I am upset that a 'technology based financial business ' would not have a better system for spotting fraud. I have not lost any money but I am very concerned about what that account is being used for especially when it is in my name. I have filed a report with the FTC and plan on filing a report with the local police. I have since placed fraud alerts with all the credit reporting companies.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX Creditor Account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Agencies have 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 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.

Please help me with these inaccuracies because they are stopping me from being able to get jobs that i have recently applied for. I am currently unemployed and i have had to give on great opportunities that could lead me to living a better life for me and my family. The possibility of me ever becoming a homeowner is becoming a greater threat as time passes.
Product: Mortgage

I was trying to do a refinance using the HARP program and first I was denied and I asked them why, and they had no reason. So the agent sent it back and asked for underwriting to look at it again. After 3 weeks I received a call saying that I did not qualify because of loss mitigation. I was informed that they had a program that I fit perfectly for, and they would give me the same rate. When asked how I qualified for one yet not the other I did not get an answer. So I asked them to send in writing why I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX section XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX : 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 card or prepaid card

The problem is the credit card issuer Comenity Bank, and XXXX XXXX XXXX. 
The company is causing my credit score to not decrease or stay the same with ever payment I make. Every payment I make they lower my credit limit to keep my credit utilization percentage high. 
XX/XX/2019 my credit limit was {$1300.00}, I owed them {$1100.00}, I made a payment of XXXX on XX/XX/2019, brought my balance owing to {$800.00}, I was working on getting my credit card amount down, and decrease my utilization percentage to raise my credit score, Comenity lowered my credit limit to {$850.00} so on XX/XX/XXXX my utilization was 89 % I made a XXXX payment, and on XX/XX/2019 it went up to 95 %, with no purchases made. 

In XXXX I made multiple payments XX/XX/2019XXXX XXXX XX/XX/2019- XXXX My Credit limit was XXXX on XX/XX/2019, I made payments of XXXX, It states I made payments of {$77.00}, I owed {$800.00} and my balance was not {$730.00}. They again lowered my credit limit from XXXX on XX/XX/2019 to XXXX on XX/XX/2019, making me stay at 95 % utilization. 

In XXXX I made another payment XX/XX/2019 of {$45.00} and another one XX/XX/2019 of {$40.00} Said they got a payment of {$23.00}, which lowered my balance from {$730.00} to {$700.00} They again lowered my limit on XX/XX/2019 from {$770.00} to {$750.00} on XX/XX/2019 making sure they keep me at the 95 % credit utilization percentage In XXXX I made a payment XX/XX/2019 of {$45.00} They claimed I made a payment of {$28.00} My balance was {$700.00} and was lowered to {$680.00} Again they lowered my credit limit from {$750.00} XX/XX/2019 to {$720.00} Again keeping me at the 95 % utilization This company has to be investigated, look on their XXXX page, i am not the only one that this company is hurting, and this is allowed. 
Please help me get this taken care of, this is terrible.