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

15 U.S. Code 1681i A 1a 15 U.S. Code 1681i A 4 15 U.S. Code 1681e - b 15 U.S. Code 1681 - 1 15 U.S. Code 1681 - 2 15 U.S. Code 1681 - 4 On XX/XX/XXXX I disputed a negative item directly through XXXX and Equifax that was furnished to my consumer reports by XXXX XXXX on behalf of my former employer/landlord XXXX XXXX XXXX XXXX Apartments on XX/XX/XXXX. 

In my dispute I provided proof that the debt did not exist and should have never been in hands of XXXX because XXXX actually owed me money even after this negative item was furnished to my consumer reports. 

On XX/XX/XXXX, This item was deemed as accurate and was simply updated. There is no way a proper investigation could have been done by either party because the whole account is inaccurate I showed that as an employee, my rent was deducted from my paychecks. My last date of employment was XX/XX/XXXX. I was scheduled to receive my final paycheck XX/XX/XXXX. On that date I received a check for {$0.00}. Even though I was owed money for my PTO. 

I was told they were holding onto my funds for the same alleged debt they assigned to Pro-collect. They sent my account to collections while still owing me money making the debt invalid. 

Upon discovering this Item I reached out to both lumacorp and pro collect to fix the matter and have it removed, and to get the money I was owed. 

On XX/XX/XXXX, XXXX sent me my final paycheck further proving I didn't owe them anything and this account should not exist and violating my rights in so many different ways.
Product: Vehicle loan or lease

WE HAD SEVERAL AUTO LOANS WITH SANTNDER USA TO WHO OVERCHARGED FOR GAP ETC ALONG WITH CLOSING ACCOUNT FEES AND EXTRAS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the XXXX credit bureau and told them that the bank agreed to not report the late payment account. I believe XXXX is violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$4300.00}
Product: Checking or savings account

I had a automatic withdrawal come out of my account overnight and late. The same time a transfer was happening on my account. The bank purposely waited on this automatic withdrawal so my account could overdraw as a retaliation of moving funds to a different bank branch. I requested the return be refunded as it dont not fall under their 24 hour policy and the first associate I spoke to claimed I was correct and the funds would automatically appear. Until today, a call center manager named XXXX claimed the funds can not be returned because it is not bank policy. I should have ended my relationship with this bank years ago! I am over it and just want my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to deliver incorrect data regarding the child support account balance is XXXX and payment history is nothing of what they say it is it is too close to cases and the children live with me. This kind of miss corrected information shouldve been taken off my credit report a long time ago along with payment history as there is no current account and the prior payments do not include what is called XXXX XXXX from the court. It is extremely detrimental and although I reached out many times to correct the problem it seems to continue. I have never missed A car payment on the Jeep through XXXX Get one page shows current and the other 30 days late Equifax needs to get their story straight.
Product: Checking or savings account

I have repeatedly been into the Wells Fargo Bank branch ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) in an attempt to close my checking account. At each occasion I am told it can not be closed until I talk with the branch manager. The manager is always busy but I am told they will be available in 15 or 20 minutes. If I wait 15 or 20 minutes I will be told it will only be another 15 or 20 minutes, etc.. I have been through this at least four times now over the past month and a half. 

I believe Wells Fargo is deliberately making it difficult or impossible for me to close my account. In the meantime, they keep taking {$30.00} a month from my account. I want to close my account and withdraw my funds. I also want WFB to refund me the fees they have now charged me for XXXX and XXXX ( $ XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had sent a letter to Experian regarding some inaccurate information on my credit report and for them to remove and fix the accounts on XX/XX/2020. I sent them a follow up letter on XX/XX/2020 and still no reply. From my understanding they are in violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for your investigation.
Product: Credit card

In XXXX XXXX XXXX my social security an overall identity was taken. I made police reports also filed all necessary documents as I found out who took all my accounts an information. 

I then called all my credit card companies to make them aware after i claimed the identity theft all credit accounts good an bad were closed from companies. 

During this time of XX/XX/XXXX my credit was also ran 26 times In a few days. this account was originally opened XXXX XXXX. Now the original creditor Sears mastercard account is charged off/closed status with balance of XXXX XXXXXXXXShop your way ( Cbna syw mc ) at address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of XXXX of my accounts were breeched. One account was put in my name. I made them aware months before as I was unaware why my balance kept going up 2 months prior to my knowing. An 2 others. 

After communicating with sears mastercard ( shop your way ) mastercard they removed this account approx. 7 or more times. This account keeps adding back to my credit profiles. 

All documents an proof needed an police report an new filed police report have been given as well to company was also past due as of same time frame originally prior to being resolved the first time around. Currently the account shows is past due in the amount {$1400.00}. 

XX/XX/XXXX my CBNA credit card for sears was opened as my account reflected perfect payment history in perfect status until this happened. My account went past due w charges showing past due of XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the necessary party, gave all my reports an explained my identity theft. I had this account removed more than 4 times off my credit in this amount of years. For some reason it keeps popping back on my credit. 

As a result I had to remove myself from certain business accounts as my credit declined from identity theft. Also as a result of these account being added an removed multiple times has completely ruined my credit to the point it has been impossible to reestablish credit due to the constant changes. I lost points everytime they re- added accounts. 

Currently this account has come up onto all three bearus once again my credit score was affected again. If reviewed you will notice all my accounts were in perfect standing until XXXX
Product: Debt collection

I am writing to formally dispute the accuracy of an item listed on my credit report, as provided by your agency. Specifically, I am disputing the collection account reported by Columbia debt recovery under the reference number XXXX, related to The XXXX ( the rental agency ). This account is reported incorrectly for the following reasons : 1. Incorrect Reported Amount The collection agency, Columbia debt recovery, is reflecting an incorrect amount of debt. I have verified that the amount being reported does not match the actual outstanding balance at the time the account was transferred to collections. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive accurate and complete information regarding the debt. As the amount reported by Columbia debt recovery is inaccurate, I request that the item be corrected to reflect the correct balance, or removed from my credit report if the discrepancy can not be resolved. 

2. Failure of Rental Agency to Send Final Bill Additionally, I am disputing the validity of this debt because I never received a final bill from the rental agency, XXXX XXXX, prior to the account being sent to collections. Under the Fair Credit Reporting Act ( FCRA ), data furnishers are required to ensure that the information they report is accurate and complete. The failure of XXXX  XXXX to send a final bill or provide proper notification regarding the outstanding balance constitutes a violation of these reporting standards. 

I have made a good faith effort to resolve this matter directly with XXXX  XXXX and Columbia debt recovery, but have not received adequate communication or documentation to support the validity of the reported debt. 

Request for Resolution In accordance with the FCRA, I respectfully request that you investigate the discrepancies I have outlined and either update the information to reflect the correct balance or remove the negative entry entirely from my credit report. If the collection agency or the rental agency can not provide proper documentation to verify the debt and the correct amount, I request that this item be removed from my credit report as required by law. 

Please conduct this investigation as required under the FCRA and notify me of the results within 30 days. 

Thank you for your prompt attention to this matter. Please feel free to contact me should you need any further information
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting on My Credit Report To Whom It May Concern, I am writing to dispute the reporting of XXXX accounts by XXXX Bank on my credit report. These accounts are inaccurately marked as both collection and charge-off. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, it is required that all information provided to consumer reporting agencies is accurate, complete, and consistent across all bureaus. 

However, XXXX Bank is reporting these accounts inconsistently to Experian, XXXX, and XXXX. Each credit bureau shows different information regarding these accounts, which is both misleading and potentially damaging to my credit standing. This discrepancy is a clear violation of the FCRA, as it fails to meet the standards of accuracy and completeness mandated by law. 

I respectfully request that Experian, XXXX and XXXX a thorough investigation, verify the information provided to each bureau, and ensure that any inaccuracies are corrected or removed. Please confirm in writing that these corrections have been made within 30 days, as per the FCRA guidelines. 

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, The XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I recently settled my account for less than the full balance. The company agreed that they would report this correctly on all of my credit reports after 30 days. However, through XXXX they have recently reported that I owe the previous balance of {$5500.00}. In addition, my XXXX report shows {$0.00} balance ; yet, it still reads " charge off '' when it should read " settled for less than full balance '' in the remarks section. They agreed to settle for {$1600.00}. It is now XX/XX/XXXX, almost 90 days since I have settled with them. I completed settlement payment on XX/XX/XXXX, and I expect my credit reports to accurately reflect the current information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX Balance : {$9900.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report Number # XXXX I am a victim of identity theft my information was compromised in the data breach I have filed a report with the XXXX and submitted it to Experian pertaining to certain accounts that are ID theft. 
Here are the accounts 1 ) XXXX XXXX XXXX # XXXX 2 ) XXXX XXXX XXXX # XXXX 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX # XXXX 5 ) XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, Im now opting out of any and all authorizations I the consumer may have giving you written unwritten verbal and nonverbal per 15 USC 6802. Educational Privacy Act of 1974 15 USC 15801 AFFECTED IMMEDIATELY
Product: Mortgage

PLEASE REFER TO CASE NUMBER : XXXX Please Note that I have started an investigation the ID number is enlisted above however, I am not able to add or update any additional information therefore, I am starting a new complaint. BSI stated within their last response to the CPFB that they can not generate a monthly statement for me due to the fact that my mortgage was discharged in a Bankruptcy back in XX/XX/XXXX. Which i rectified with XXXX back in XX/XX/XXXX prior to BSI buying the loan. They also stated and acknowledged the fact that I have XXXX loan numbers with the same servicer when I only have a first mortgage with said servicer. I have yet to receive an explanation for XXXX account number which to me is a violation of accounting principals and standards. Nor have they answered my QWR and debt validation request that was drafted and sent to the CPFB as well as mailed to BSI 's physical location months ago. My loan was also converted from a conventional loan to a FHA loan when BSI bought the loan from XXXX and that explanation has not been explained or rectified either.
Product: Debt collection

ACSI is sending solicitations directly to my employer ( see attached ) with predatory and misrepresented statements about a treasury offset and the need to contact the company for a rehabilitation program. I am already being collected upon through garnishment in which the company and student loan provider ( XXXX ) have garnished 15 % of my paycheck for the last 2 1/2 years. They also attempt to collect a consent in the correspondence to provide " express consent '' to contact me personally after a cease and desist has already been requested. They attempted to receive this consent by sending correspondence to my employer directly.
Product: Credit card or prepaid card

I reported a charge on my Gap/Barcley credit card for a Gap credit card account number ending in XXXX. I called gap and they assured me they will be removing the charge.. However, they closed my account and never removed the charge like they said they were. My credit score is going down every day because of the charge still being there. I have contacted them multiple times and they still havent resolved my issue.
Product: Mortgage

15 months ago I called my loan company ( LoanCare ) as I was experiencing financial hardship due to COVID-19. My account was current and in good standing. We agreed the best option for me and my family would be to put my loan in forbearance until my situation improved. XXXX assured me that since my account was current and in good standing it would be reported to all three credit bureau 's as such. I have been calling into XXXX on occasion ( at least five times ) to either check my status or extend the forbearance over the past 15 months and each time they told me that the account status showed current and in good standing and that that was what they were reporting. I recently purchased a car where I put $ XXXX down and my rate was XXXX XXXX. I am trying to take advantage of the VA 's recent decision to waive the VA 's rule of XXXX consecutive payments and refinance my house as my current loan is at XXXX  % and I have been offered XXXX XXXX which would be a significant cost savings and would offset the 15 months of forbearance. When the lender pulled my credit report they discovered that XXXX has been reporting me as 90 days delinquent each of the past 15 months while I have been in forbearance. This disqualifies me from refinancing. I called XXXX to validate what they have been reporting and they told me that they should have been reporting that my account is current and in good standing.. When I told them what they were reporting they informed me that I would have to submit this in writing and that they do not know how long it will take to resolve. I have submitted in writing per their process and they have failed to respond to my repeated inquiries as to how long it will take them to fix this and what the process is. Each day that this is not fixed the rates could go up and potentially impact me XXXX XXXX XXXX XXXX XXXX I recently tried to refinance my car to a lower rate and was denied due to this delinquent reporting by XXXX. I am wondering how many other vets they are XXXX over this way?
Product: Checking or savings account

It started when my phone was stolen and hacked on XX/XX/2023. The perpetrator hacked my phone and my digital wallet was compromised along with my online banking accounts. He changed all the security information on my accounts including emails, passwords, and phone numbers used to verify my identity. I was unable to receive notification about suspicious activity because I was also locked out of my email accounts. So I was unaware of the unauthorized transactions. It wasnt until XXXX XXXX that my fianc received a notification that our joint savings account had money transferred out. Thats what prompted me to alert my other financial institutions but because it was over the XXXX XXXX holiday I wasnt able to physically go to a branch to verify my identity since over the phone it was impossible. I filed a police report right away and contacted the credit bureaus as well as filing with the FTC for identity theft. 

Through the help of XXXX XXXX  I was able to regain access to my email account and as I was researching the transaction notifications I found that the perpetrator rented a car using my XXXX  account and was due to return the car on XXXX XXXX, XXXX. I alerted the police and they were able to arrest him and charged with XXXX XXXX  counts. 

As I was following up with the banks and cooperated with their investigations and spoke to their security teams. 

They asked me details about what happened and how my account were compromised. 

I let them know that I had the physical cards but my digital wallet and bank applications were hacked and the perpetrator was able to make transfers, open new accounts, apply for new credit cards and debit cards as well applying for loans all from the online banking apps on my phone. 

After some time roughly 10 days, XXXX came back with a decision that no fraud was found. I requested documentation and appealed the decision. I am waiting for the documentation. 

Wells Fargo verbally notified me that some of the claims on my checking account had been denied while other claims on my credit card had been validated and considered fraud. I have credited transactions to my credit card but not my checking. Same institution same dates of activity yet different outcomes from different divisions. 

This was 100 % unauthorized and fraudulent activity in which a perpetrator was arrested  and charged. How is it that these banks can keep my money? Where did they find proof that this was not fraud? Did they use security footage? Did they verify ID when the transactions were made? Did they ask for signatures on receipts? If the investigation team thoroughly checked they would know it was not me. Please help.
Product: Credit reporting or other personal consumer reports

Company allowed unauthorized personnel to access information on my accounts. Now my information is compromised
Product: Debt collection

I sent a letter via mail over 4 months ago requesting a cease and desist in regards to contacting me about a debt. The statute of limitations expired over 4 years ago. The company still continues to harass me with letters each month. This morning XX/XX/21, I received a call from an XXXX guy that I could barely understand regarding the account. They are clearly violating my rights when I have requested that they STOP contacting me.
Product: Vehicle loan or lease

Lending tree pops up while you are looking at used cars You click on their link ... 
They offer you low APR with soft credit pull .... 
They send you to another place such as XXXX .... 
" For 6 % APR click here to confirm '' ... 
they DENY the loan -- -- -- BUT here 's the thing! Your cell phone then gets dozens of texts from unrelated businesses such as insurance, discount cards, credit cards, restaurants, jeep sales, dog food, Bobleheads, and on - and on - and on .... 

They get you to submit your info in hopes of a loan ( a loan they never intend to give you XXXX and then they sell your personal info to 1000s of othet unrelated businesses ... Scum!