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

XXXX has been non-compliant with removing the unverified account KOHLS/CAPITAL ONE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KOHLS/CAPITAL ONE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I logged on to check something on their site in early XXXX and saw that it mentioned late payments in XXXX and XXXX. I was surprised since I have using the same process for years to make these payments. I never received any notification from XXXX XXXX my payments were late. I have been paying XXXX XXXX the same way for years using XXXX  XXXX XXXX 's bill pay platform so no idea why the payments in ( sent to XXXX XXXX before due date on XX/XX/XXXX ) XXXX and ( sent to XXXX XXXX before due date on XX/XX/XXXX ) XXXX were not received and applied but I immediately using XXXX XXXX 's payment system made the payments due on XX/XX/XXXX. I even had XXXX  XXXX XXXX reach out to XXXX XXXX with me on the line to explain the issue and XXXX XXXX even credited me the fees they charges as they realized this was a non-issue so assumed there would be no issue with this impacting my credit. I even submitted a ticket to XXXX XXXX to ensure this would not impact my credit ( ticket # XXXX ) with all the details on XX/XX/XXXX and never heard a thing. This is completely unacceptable XXXX XXXX to file something with the credit agencies based on misinformation. I submitted another ticket to XXXX XXXX on XXXX ( XXXX ) and also submitted two disputes with Experian who took no action. My Wife and I have worked very hard our whole lives to ensure our bills are paid on time and maintain exceptional credit to have XXXX XXXX impact our credit scores like this after I proved these payments were made timely is just awful.
Product: Checking or savings account

I went on a trip to Wyoming and the hotel was terrible so i wanted to have wells fargo get my money back and I used my debit card to get hotel ... ... ... .here is the information I had put in claim to try and have wells fargo help me ... ... .. {$470.00} dollars claims assistance center ATM/Debit card Claims XXXX. XXXX XXXX XXXX, NC XXXX Wells fargo denied this and said they closed claim. I wasnt treated fairly and wells fargo said I had stayed at XXXX XXXX hotel all the time I was there which was only 4 days and so the swimming pool was always under maintenance and jaquizzi was never working until last day and maid service after 2nd day there was not good to standards because i had not got what i needed so couldnt take shower because no clean towels and also back door of hotel entrance to get inside to my room was not working last 2 days there so had to use longer route to room. Also I had a maintenacne guy finally bring me towels to room and then last day maid service was there but I could n't possibly know of what was going to be happening while staying there so weels fargo said that they made decision based upon that i had stayed there and i was there only 4 days and had to drive over 100 miles to XXXX Colorado to catch my flight plus return rental vehicle to so I though since i did n't know when all of things had started happening more after few days staying there that i wasnt going to ask for refund yet until i got back home and was very tired and miserable because i could n't sleep right half the time either and im a XXXX veteran so I 'm on a limited income also and cant just jump from hotel to another one that fast plus money and so i had all things starting to happen over course of all the four days there anyway so how come wells fargo cant help me to get my refund back ... ... .This had been a lesson learned to never ever get a hotel like that one. Also since wells Fargo bank said i stayed there well of course i had really no choices after it was occurring at different times for most of things that happened to me and so there fore i feel that I fully deserve a full refund from that hotel through Wells Fargo Bank and I cant control that hotel and time frames of when it all occurred.I know wells said I stayed there but it all happened at different times and 4 days is such short time to stay at any place ... ...
Product: Credit reporting or other personal consumer reports

I write to dispute the inaccurate credit reporting regarding incorrect furnisher account information from Bank of America, specifically the account titled BK OF AMER, Account # XXXX. 

I have disputed this account directly with the bureaus in the past with no success.

This is not my account but my fathers account. My father and I have the same name first and last name. I have a different middle name than my father as well as a different social security numbers and DOB 's. I did not open this account nor incur the charges and negative remarks associated with this account. Please remove this account and any derogatory information associated with it from my credit report.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

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

XX/XX/2020 To, XXXX Police Investigator and CFPB, CHASE is causing a lot of XXXX and sending threatening letters to damage my credit. I have told. Kindly please consider this complaint police reports as physical distress cause by CHASE Executive Office employee in collaboration with CHASE ( XXXX Local Banker ). 

XXXX, TX Police Report Numbers for Reference : XXXX & XXXX. XXXX On XX/XX/2020 CHASE Executive Office Employee, Name : XXXX, had called told ( upon asking threatened ) that CHASE will continue to send threatening letters and report interest and late fees and negative remarks report " Bad Dept '' even during the time of investigation of their employee. ( Refer to earlier police report addendum filed ). 

I have complained to CFPB and CHASE agent XXXX was were unhappy and seems to have and as per my best understanding CHASE should not legally keep on sending threatening letters that causes physical anxiety. CHASE agent was very angry that I had made complaint to CFPB and mentioned to me that they would keep threatening me in spite of their Banker not letting me inside to make payment and even though I have made police complaint for XX/XX/XXXX caused by threatening letters by CHASE. 

Location : Executive Office in - XXXX OH REF : XXXX The CHASE agents have said The Reporting will remain the same. They will keep marking negative credit. They have not promised to investigate the CHASE Branch officers who is using XXXX Police name to make threats. 


Thanks, XXXX XXXX Ph : XXXX XXXX XXXX XXXX XXXX Email  : XXXX XXXX
Product: Mortgage

In XX/XX/2019 I decided to refinance my home. The process was going smoothly until I noticed there were not enough taxes added to my new estimated payment. I immediately notified my loan agent she ensured me the amounts were correct I had her check twice. I still wasnt confident that the amount was correct I submitted documentation to her, and she assured me again but she said she would have her immediate supervisor contact me. I explained repeatedly that I did not want to be hit with a large payment because they were not collecting enough. The supervisor called me at XXXX on XX/XX/2019 the call lasted 21mins. I was told that the amounts were right, and I was complemented on my knowledge and thoroughness. I was told I was the only one holding up the process at this point and I explained again I dont want to be hit with a large bill because you are not collecting enough money for my escrow account. I was told on a recorded line that the good thing about doing business with them is that they will never sell my loan and will always make it right. I said if it will be made right, I will sign tomorrow. I was assured and immediately made my signing appointment. 

My worst-case scenario came true on XX/XX/2019 when I was sent an email saying my escrow account was negative $ 800+. I immediately called and spoke to a supervisor sent him documentation of correspondence and gave him the phone call information where I was told they would make it right if it was wrong. He called me back a week later and told me I was short {$2500.00} and would need to pay it they did nothing wrong. 

I asked them again to look into it I dont feel like I should have to pay the {$800.00} in arrears because I begged them to get my taxes correct from the beginning. I was told they looked at it correct, but XXXX County Tax assessor doesnt label them correctly, so they were looking at only supplemental taxes. 

I dont think it is fair that they could give me such a misleading payment of $ XXXX/ mo to $ XXXX/mo and now expect me to come up with {$2500.00} to cover taxes they miscalculated. I went through all of this to save {$92.00} a month on a monthly payment and pay them {$2700.00} for doing the loan I dont think so. Somebody messed up and I was assured by the company they would make it right and they are saying they did nothing wrong. I would appreciate any help!
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted an electronic request for a {$12000.00} balance transfer from Comenity Bank ( XXXX Mastercard ) at zero % interest until XX/XX/XXXX. The transfer was suppose to pay off a XXXX XXXX creditline account. The transfer was not made to " my '' XXXX account, as of XX/XX/XXXX. I have a log of the communication between both financial institutions attached. I have repeatedly requested Comenity for a copy ( front and back ) of the check to XXXX XXXX and they have yet to comply with my request. XXXX XXXX has researched their data base with the check #, trace id # and $ amount that Comenity provided, but nothing came back. 
Since XXXX I have been paying both Comenity and XXXX XXXX with a {$12000.00} balance on both accounts. 
My last statement from Comenity shows they are charging me interest and it should be zero. ( 3 statements from Comenity are attached ) along with Letters I received regarding my dispute.
Product: Debt collection

This debt collector WAKEFIELD AND ASSOCIATES engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. Especially my XXXX rights to privacy
Product: Debt collection

A collection randomly showed up on my credit report from Southwest Credit Systems. I have never heard of Credit Systems nor have I received any contact with them via mail or phone. The collection just appeared on my credit, so I reached out to Southwest credit systems certified mail for them to verify the debt and to let them know I do not agree with the debt and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent the XXXX XXXX XXXX EQUIFAX a Certified Letter Tracking # XXXX with green return receipt. asking EQUIFAX to do a full investigation of the account that is reporting on my Consumer report. 

the XXXX XXXX XXXX stated, ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX was properly investigated and all the information was accurate, but how is that possible if the DATE LAST REPORTED is inaccurate because according to the Fair Credit Reporting Act,15 USC 1681 the CRA ( EQUIFAX ) was suppose to update the date on the date last reported to the date when they verified the account, so because they did not fix the inaccuracies that means they did that do a proper investigation and this is a Violation to my rights as a Consumer. 

Also another violation Pursuing to the Fair Credit Reporting Act, 15 USC 1681b - Permissible Purposes of Consumer Reports ( a ) Any Consumer reporting agency my furnish a consumer report under the following circumstances and NO OTHER ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 

so EQUIFAX provide me with the permissible purposes document that I the consumer gave you written permission to furnish or publish any thing on my consumer Report. 

So now Im REQUESTING the Permissible Purpose document, and if you can not provide this document I demand you DELETE this account
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I traded in my Nissan Lease. Nissan Motor Acceptance neglected to close out my lease account until XXXX months after I traded the car in. The account was paid in full and closed. Nissan reported on my credit report that I was XXXX days late and then XXXX  days late in XX/XX/XXXX. But this is inaccurate. I traded the car in XX/XX/XXXX and it was paid in full and the account closed. When I called the Nissan dealership, they reported that they forgot to complete the paperwork in a timely fashion. However, years later, I notice that they confirmed that this information was correct when I disputed it with the bureaus ( this is according to the bureaus who reported that they conducted an investigation ). This is a technical error that they have refused to fix. I've attached a screenshot that Nissan is reporting my account XXXX days past due in XX/XX/XXXX. Also, the is a screenshot of the account that was an auto loan opened with XXXX XXXX XX/XX/XXXX. I attest and swear that I did not have two cars in XX/XX/XXXX. As you can see, the new auto load starts XX/XX/XXXX when I traded in my old Nissan. It was a smooth transaction and there were no complaints from me because I was able to get financing for another vehicle at the same time.
Product: Credit reporting or other personal consumer reports

My accounts were 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.

Those companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}, XXXX XXXX XXXX  XXXX Date Opened : XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$24.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to experian on XX/XX/2022 which I will include copies of with this complaint. They refuse to tell me how they verified the bankruptcy which I have the legal right to know how. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), Contractor is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. i have yet to receive any proof from person that is reporting on my consumer report. Failure of doing this can be a cause of identity theft because anyone could be using my social security number and selling my information without my consent. So since they refuse to tell me how they verified this bankruptcy I am demanding it be removed unless they can show how they verified it. An automated system response is not physical verification.
Product: Credit card

Someone filed for a credit card in my name though Bank of America and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are in violation of reporting inaccurate information on my credit before i file a lawsuit i am requesting removal of this item that do not belong to me and i have a letter from the creditor stating i do not have a account with them. Company is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get incorrect information off my credit report and by doing so I noticed they continue to add items that do not belong to me. I am getting frustrated, I understand my name is somewhat common but my social security number is NOT. Experian is now reporting even more things that are NOT XXXX. It appears as I try to get these mistakes off my report they just add more to make things even more complicated.
Product: Debt collection

There is account that was opened using my identity. My personal information was stolen from me and someone initiated this debt fraudulently. I do not claim any ownership to this account. I have filed dispute with XXXX XXXX and XXXX. They indicated that this account was from a car insurance place XXXX XXXX. I currently do NOT currently own or operate a vehicle that is insured with this company. PLEASE THIS DEBT FROM MY CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Equifax a dispute letter requesting inaccurate accounts be removed from my credit report file. I never received a correspondence back from Equifax. On XX/XX/XXXX I sent another dispute letter for inaccurate reporting accounts on my credit report/file. It has been over 30 days and I haven't received any correspondences/reply from Equifax for these as well. I mailed another letter on XX/XX/XXXX stating I haven't received correspondence from them and to please delete the accounts listed in the letters for violation to respond within 30 days
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX 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 supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and fraudulent accounts have been reported under my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request the immediate blocking and deletion of the accounts listed below from my credit file.

Fraudulent Accounts : 1. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$570.00} 2. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8600.00} 3. Creditor Name : XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} 4. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2300.00} 5. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} 6. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$500.00} 7. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} 9. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$570.00} 10. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1900.00} 11. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$840.00} 12. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$840.00} 13. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two disputes to Equifax, most recent one being XX/XX/2018, regarding inaccurate name and address appearing on my credit report. I have never lived at that address nor gone by that name. I have been told that since name is attached to tradelines it can not be removed. I have contacted these tradelines and they do not have the name associated with my account so I have exhausted all avenues in regards to getting inaccurate name and address removed. The address and name does not belong to me. I have even provided a copy of my drivers license for verification and they still refuse to remove the inaccurate information. Just because it " appears '' on tradelines does not make it accurate. Below are the items that do not belong to me that they continue to report illegally : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX