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

I reviewed a copy of my credit report and the companies listed below ran an unauthorized credit inquiry on me. 

XXXX XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX Experian XXXX XXXX, Experian, XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights and should be removed. Please see attached FTC Identity Theft Report. 

Under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. They have ignored repeated requests to verify this account under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Debt collection

Debt Collector : IQ Data International ( Phone : XXXX ) Debt Owed to : XXXX XXXX  XXXX XXXX XXXX  in XXXX TX IQ Data spoke with me on XX/XX/XXXX and XX/XX/XXXX about a debt I owed in the amount of {$3900.00} with my previous apartments. I explained that I had a loan dispersing soon but did not have the funds yet. XXXX XXXX stated that I should give payment information for the amount now, that IQ Data would attempt to collect the debt from my bank even without available funds, and an NSF would just " buy me time ''. As we expected, the payment came back NSF. I reviewed my debt and wanted to contest the reletting fee and make payments on the rest ; I explained this to rep XXXX XXXX when I called today XX/XX/XXXX. I offered a payment in the amount of {$1000.00} which was not accepted. XXXX XXXX transferred me to her manager, XXXX, I believe, who stated that I would be charged for the bounced check and my debt would now be tripled. The manager stated she would not take a payment from me and that further collection actions would be put on my account.
Product: Consumer Loan

On XX/XX/2016 I went in to pay auto loan payment. I pay {$470.00} each month I pay XXXX because I wanted to catch up on 1 late payment and pay a payment coming due on XX/XX/2016. I informed teller that this money is to cover 2 payment. I got a call from bank telling me I had not paid payet for XX/XX/2016. I informed worker XXXX that made payment on XX/XX/2016. She tells me I was behind 2 payments so payments went to XX/XX/2016 and XX/XX/2016. I requested payment query, because I knew I was only behind one payment. I also went branch for print out, but they told me it could be printed out. 
On XX/XX/2016 I finally received print out via US mail. 
Print our confirms my thoughts of bank applying my payments incorrectly, and that I was only behind 1 payment as I thought. I called customer service, they told me I had to go I bto branch. Bank has lied, told me they could n't fx, and have given me the run around. The transaction they performed keeps me behind and I can be charged {$47.00} each month. I finally was able to pay 2 months so I would not charged {$47.00} late fees each month.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally report that my personal information was exposed in a data breach. This breach has led to unauthorized access to my sensitive personal data, which may include, but is not limited to, my name, address, Social Security number, financial account information, and other personally identifiable information ( PII ).

I am deeply concerned about the potential for identity theft and financial fraud due to this breach, and I have taken immediate steps to protect myself. These actions include monitoring my credit reports, placing fraud alerts on my accounts, and requesting credit freezes where applicable. I am also in the process of working with the affected organization to resolve any potential issues stemming from the breach.

I am requesting that the Consumer Financial Protection Bureau investigate this matter to ensure the responsible party is held accountable and to protect consumers from future breaches. Additionally, I seek guidance on any further steps I should take to safeguard my financial well-being.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Comprehensive Request for Revision : Late Payment Entry to be Marked as Current Dear [ XXXX XXXX XXXX ], In the ongoing matter concerning the disputed late payment entry on my credit report, I am advocating for an extensive resolution. Specifically, I request that the late payment entry be revised to reflect a current status. 

In accordance with the legal doctrine of estoppel by silence, as exemplified in the case of XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX, I have not been furnished with any evidence substantiating the alleged debt. Consequently, I am compelled to presume that no such proof of debt exists, thereby negating the existence of said debt altogether. 

It is imperative to uphold the utmost accuracy and integrity of consumer reports, as mandated by the Fair Credit Reporting Act ( FCRA ). Therefore, it is essential that my credit report accurately reflects my financial standing, devoid of any inaccuracies or unsubstantiated claims. 

I assert with conviction that the current status of the late payment entry is unwarranted and fails to align with the facts. Hence, revising the status to reflect a current, up-to-date depiction is not only equitable but imperative to uphold the principles of fairness and transparency in credit reporting. 

In the event that the pursuit of this resolution encounters obstacles, I reserve the right to pursue alternative avenues to rectify this discrepancy. It is paramount that my credit report accurately represents my financial status, without any unjustified or unverified entries. 

I implore your esteemed agencies to undertake a thorough review of this matter and take prompt action to effect the necessary revisions. Your cooperation in resolving this issue expeditiously is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Debt collection

I owed money on a car that I had to surrender due to loss of employment back in XXXX. I was told by XXXX that it was charged off but the debt kept on getting added back to my credit report every year. I had to dispute it every year to get it removed, they added it back to my credit report this year ( XX/XX/XXXX ) as a brand new collection account with no reference to the XXXX XXXX account. I called VeriCred and spoke to a lady that agreed to send me an e-mail that links the original XXXX account to the new collection account they posted, XXXX became aware we needed this to proceed with our home loan and hijacked the call. I asked XXXX XXXX ; who is the Vice Executive Presdident of Operations for VeriCred Solutions LLC, to send me an e-mail with a report stating that this was for the XXXX XXXX account not a new account but he refused to because I needed this to prove to my lender that this was not a new account which VeriCred was trying to make it look like, and even lied to me saying that this is not linked to the XXXX XXXX account and it was a new debt as of XXXX. Since the way they posted it to my credit it makes it look like it is a new collection account. He told me over the phone that he will not help us close on our new home ( sending me a debt verification e-mail ) unless we paid him {$4000.00}, otherwise he isn't going to send over anything to verify the debt with our lender. His name is XXXX XXXX with VeriCred Solutions LLC.
Product: Credit card or prepaid card

XX/XX/XXXX - accepted a credit card balance transfer offer from Bank of America ( BOFA ) for {$14000.00} to pay a CC with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

TO DATE : XXXX has not received the funds ; BOFA has charged our account {$14000.00} plus {$590.00} for a transfer fee. I have spent over 1 hour on each of the following calls to BOFA : XX/XX/XXXX - called BOFA to check on balance transfer transaction was instructed " to wait a few days '' and call back, if needed. 

XX/XX/XXXX - I visited XXXX and confirmed they did not receive balance transfer from BOFA. 

XX/XX/XXXX - called BOFAXXXX to inform XXXX did not receive funds ; Provided XXXX acct info, address and phone number ; I was instructed to " wait a couple days and call back '', " we'll take care of it ''. 

XX/XX/XXXX - called BOFAXXXX, explained same situation ; provided XXXX acct info, address and phone number ; XXXX wrote up a report, confirmation XXXX. XXXX took my personal contact info and said someone was going to return my call. Did not receive a call back. 

XX/XX/XXXX - called BOFAXXXX, explained same situation ; provided XXXX acct info, address, phone number. After nearly an hour on the phone, I requested to speak to a manager ; I was not connected to a manager, but was told by XXXX that " it will take 30 days to release the funds ... call back on XX/XX/XXXX ''. 

XX/XX/XXXX - called BOFA, immediately asked to speak to a manager and was connected to XXXX from Georgia who took my contact info and was going to call me back at XXXX am Hawaii time to conduct a 3-way call with XXXX to confirm that XXXX did not receive the funds. I never received a call back. 

XX/XX/XXXX- called BOFAXXXX from XXXX who " assured '' us that he is in contact with a special team to " escalate the case ''. I requested to speak with a manager and after a long hold, no manager came to the call. XXXX assured me that I would receive a call from the team no later than 5 business days. I provided my personal contact info, but did not receive any call back. 

XX/XX/XXXX- called BOFA. On a 2 hour call, I spoke with XXXX from Calif ; XXXX and XXXX from the fraud dept. During this call, we conducted a 3-way call with XXXX who confirmed they did not receive the funds, acct numbers, addresses and phone numbers were confirmed. It was identified by XXXXBOFA that the transfer was paid to XXXX XXXX, but she transferred us to the fraud dept. Spent majority of the call explaining the situation again, providing acct numbers, addresses, phone numbers. XXXX said the only thing she can do is write up a report. I requested to cancel the entire balance transfer transaction, but she said she could not so that. BOFA manager XXXX XXXX said she would call with resolve by end of day. Did not receive call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report at the end of XX/XX/XXXX. I saw that XXXX XXXX XXXX XXXX reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that XXXX XXXX is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on XXXX XXXX Part.  Furthermore, doesn't XXXX XXXX offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to XXXX XXXX, and I have emailed my short-term XXXX papers to XXXX XXXX. Please help.
Product: Credit reporting or other personal consumer reports

I have reached out to experian countless times regarding XXXX XXXX acct # XXXX {$530.00} asking for removal of account no knowledge
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/year> SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Dispute Information Center Dear Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, Last Payment, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Mortgage

On XX/XX/2017, I spoke with Wells Fargo Mortgage XXXX XXXX XXXX XXXX ext. XXXX regarding my additional principal payments being intentionally delayed ( and held in " unapplied funds '' by Wells Fargo ) due to their systems limitations, despite clearly indicated markings in writing ( and online ) showing the funds are intended as Additional Principal Payments or Principal Payments. I have had multiple experiences in the past year where my additional principal payments have been wrongfully held in " unapplied '' status, despite these payments being clearly marked in writing as " Principal Payments '' or " Additional Principal Payments ''. The aggregate of these wrongful delays in applying principal payments over the length of my 30 year mortgage could result in thousands of dollars of profit to Wells Fargo in the form of accruing interest. In filing my complaint, Wells Fargo Mortgage was dismissive of my complaint, while defending their payments systems inability to accept multiple principal payments in one day. Wells Fargo Mortgage also admitted that while my principal payments are in " unapplied funds '' status, that I do not earn any interest on those " unapplied funds. ''
Product: Credit card

I prepaid for XXXX hotel rooms on XX/XX/XXXX XXXX XXXX for me and XXXX for my parents ) on AmEx travel using my AmEx credit card. When we were checking out on XX/XX/XXXX, the NH XXXX hotel claimed that it was not prepaid so we paid again since the confirmation was n't clear cut that the rooms were prepaid. I disputed the charge. My parents were refunded on XX/XX/XXXX but it 's been over 2 months and I still have not been refunded. The hotel actually charged my credit card on XX/XX/XXXX and then promptly refunded that charge, but I have not been refunded the charge on XX/XX/XXXX. AmEx Travel and AmEx credit card have been completely incompetent. I have called several times and have been told that there are no disputes open even though I 've received confirmations that I opened a dispute. This is incredibly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contracted Equifax, XXXX, and XXXX on XX/XX/2018 and XX/XX/2018 requesting personal information be updated and provide documents in support of my request. 
I.M FILING A COMPLAINT BETWEEN XXXX XXXX XXXX XXXX, AND XXXX   EQUIFAX AND XXXX. I HAVE REACHED OUT TO XXXX, EQUIFAX AND XXXX TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH XXXX DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS. MY DISIRE IS TO HAVE THE OUTDATED AND FALSE INFORMATION DELETED FROM MY REPORT. 

I file a dispute with XXXX and Equifax if reference to XXXX XXXX XXXX about a {$3300.00} on my account. I also sent XXXX XXXX XXXX a register letter disputing this posting and asking for verification of debt. Enclose is the information that they forward to me from another company. They provided no documents showing I have any debt with then, also XXXX XXXX XXXX failed to notify the XXXX or Equifax of the dispute. Equifax is reporting inaccurate information in reference to XXXX XXXX, they are reporting the date of the last activity instead of the date of first delinquency. Im requesting these items be deleted from my report.
Product: Payday loan, title loan, personal loan, or advance loan

I have a personal loan that I took out, but recently having issues paying the monthly bill. I went through their process to see if I qualify for any help or assistance but they told me no. however, I get daily calls and emails that they are willing to help, but when I try there is no actual help. Via phone they send me to the hardship dept which can't help as i still have a full time job and they only help if i loose my job. I asked them why they keep telling me they are willing to help if they are not. I can't get caught up if my payments are so high as well as interest and late fees. My XXXX XXXX when from XXXX to XXXX in XXXX year.
Product: Debt collection

I never signed any contract or agreement to pay this creditor, nor is this a debt owed. This debt was paid and still placed on my credit profile. Then it was removed and replaced back on by this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i sent letters to the credit bureaus Equifax, XXXX, and XXXX. I waited 45 days and still no response from either bureau. on XX/XX/2020 i sent another letter for the credit bureaus to comply and answer my request and still i haven't received an answer. it is now XX/XX/2020 and i still haven't received a response from the credit bureaus. This is clearly a violation of my rights According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my REGIONXXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting has caused stress an XXXX  the last 2 years fighting the Credit Bureaus of violations that they choose to ignore. Late, missed payments, each bureau reporting different payment history information has caused damaged to my life along with covid. I've received mail stating these accounts been verified and still today I have yet received my wet ink signature on none of these accounts. I inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. This is Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowningly transferred, possessed, or used, without lawful authority, means identification of me which is a felony. 
It so sad that you send documents in to the Bureau and they don't their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor/furnisher which is XXXX XXXX XXXX credit card account # XXXX. Has deleted and removed this credit account from my credit profile report because the charges that made this account derogatory and closed where not authorized by me in other words this account was fraudulently charged off. The collection agency XXXX XXXX who bought this debt most remove this fraudulent account immediately as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been compromised as a result of a data breach of Equifax. The exposure of my Social Security Number is an extremely serious offense and I deserve to be fairly compensated for the possible identity theft.