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

I went a car lot and specifically sad Do not shop my Credit and they did anyway.They told me that they contacted all three Bureaus with a letter to confirm they Ran My Credit by mistake. Its still there and Ive sent to them as well Ive attached a copy. 

I have also ask that XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX be removed and XXXX has yet to remove it.
Product: Credit reporting

Experian is not responding to any of my requests to investigate and remove an account from my credit report that does not belong to me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Formal Dispute of Inaccurate Late Payments on Account # XXXX Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax . The account in question is managed by XXXX XXXX ( Account # XXXX ). I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are incorrect. I have consistently made my payments on time, as my records show I have been enrolled in autopay for this account since its inception. 
XXXX : Reports late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : Reports late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
Equifax : Reports late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
Discrepancies Across Bureaus : Date Opened : Discrepancies between XXXX ( XX/XX/XXXX ) and XXXXEquifax XXXX XX/XX/XXXX ). 
Payment Status : Differing statuses for the same period. XXXX 's report of " Late 180 Days '' conflicts with XXXX and Equifax 's " Late 120 Days. '' Last Reported Date : XXXX and XXXX show XX/XX/XXXX, while Equifax lists XX/XX/XXXX. 
Date Last Active : Significant inconsistency between bureaus, with XXXX showing XX/XX/XXXX, XXXX showing XX/XX/XXXX, and Equifax showing XX/XX/XXXX. 
Date of Last Payment : XXXX and XXXX list XX/XX/XXXX, while Equifax lists XX/XX/XXXX. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : Sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 require credit reporting agencies and furnishers to ensure accurate information. These inconsistencies represent a clear violation.

Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit terms and payment information, which has not been upheld here.

Requested Resolution : I kindly request that Equifax conduct a thorough investigation into this matter and : Remove the inaccurate late payments from my credit report. 
Correct the discrepancies in dates and payment history. 
Update the payment history to reflect my consistent on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Payment records demonstrating on-time payments. 
Screenshot of current credit report entries highlighting discrepancies ( attached for reference ). 
Supporting documents related to autopay enrollment. 
Thank you for your prompt attention to this matter. I look forward to a resolution soon. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

This complaint is regarding Sunrise collection who I understand must have bought a previous inaccurate collection from another company, XXXX XXXX XXXX, probably the month prior prior. They were representing XXXX who claimed I owed them {$590.00}, which I did not ( and in reality, they owed me money for repeatedly withdrawing autopay payments for services they did not provide me- I had switched to XXXX several months prior and only XXXX was providing service and XXXX had been notified by them and me that I was switching plans ). I had gotten XXXX to take off this inaccurate report in XXXX but then Sunrise popped up with it in XX/XX/22. I filed a dispute with XXXX and am still waiting. No one from Sunrise had reached out to me. I am suppose to purchase a home on XX/XX/22 and this wrong report has brought my credit down substantially and will result in paying a much higher mortgage rate if this is not resolved asap. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I am attaching my dispute letter to this form. The mortgage company clearly made a mistake when they transferred from XXXX XXXX XXXX XXXX  to XXXX and for some reason a late fee was assessed to my brothers account. I am the cosigner and that late fee hit my credit report. Its auto draft and he hasn't been late in over 2 years and it needs to be removed
Product: Credit reporting or other personal consumer reports

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section XXXX ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Product: Checking or savings account

Beginning on or about XX/XX/2020 XXXX XXXX began a relationship with XXXX XXXX XXXX. It would soon be discovered this was a relationship entered into for the sole purpose of stealing almost {>= $1,000,000} from XXXX XXXX. As you are aware, the elite XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department is currently investigating this matter in particular and investigating the larger fraud enterprise. We have included a preliminary police report for your review. Additionally, the matter has been referred to the Department of Justice given there are two corporations which were used to further the fraud scheme. And Lastly, the matter has been reported to the Internal Revenue Service for investigation of tax evasion by XXXX XXXX. 
A check for {$420000.00} was made out to OUR MUSIC FOR YOU. This check was also written as a loan to be paid back with money held in XXXX. Despite XXXX XXXX wanting to make the check out to XXXX personally, he had her make the check to OUR MUSIC FOR YOU. We can provide a copy of the check, front and back. Review of the corporate documents shows similar addresses and names to the above referenced corporation. As noted, this check was made out to OUR MUSIC FOR YOU which is a domestic nonprofit corporation organized under the laws of California. But despite the check clearly identifying the payee as a California corporation, a nonprofit, tax exempt entity which must operate under strict state and federal statutes and banking regulations, the check was improperly and illegally endorsed by an individual without indication of whether the endorsement was on behalf of the tax-exempt corporation and endorsed by someone with authority to endorse the rather large check. In point of fact, the check was endorsed with a mere illegible scribble which could have been made by anyone. 
Notwithstanding the check was obtained through fraudulent means, the check as written was endorsed by someone not connected and/or authorized by the corporation and as such, is forged and fraudulent. As a result, the monies are to be returned to the payor as the individual endorsing the check misappropriated the funds for his own personal benefit. 
Also to add XXXX XXXX XXXX altered the cashier check by writing DONATION on the front of the check. 

Chase Bank acknowledge that the cashier check for {$420000.00} was fraudulent cashed, also chase accepted my claim and that XXXX XXXX Bank was responsible for repayment, however six moths passed by and the back rejected my claim with not letter of explanation, and close my main account that I need to provide copies of the statements to the police and also need my bank account history information for many purposes regarding my finances
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is denying me the ability to log in to my account in order to control things like freezes and other settings. 

They verified my information with lots of questions about SSN, birthdate, loans, etc. They then told me that I was unable to login to my account because they couldn't verify some information I had entered during the account set up process. I asked what the issue was and they refused to tell me. I offered to provide the information or verify anything they needed, and they refused to do so. They said that they would never, NEVER, let me log in to my account online. 

They said that I would have to make any account changes by phone ( hours long waits ) or fax ( don't have a fax machine ) until the end of time, they would never stop refusing to fix the issue. 

I was told I would never, ever be allowed to use my online equifax account. I was refused any explanation or to speak to someone who could help. They are holding my credit account hostage by not allowing me to control it. 

The individual I spoke with was : XXXX ID : XXXX of the Fraud Dispute and Online Department
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH capital one 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. XXXX XXXX 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 or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XXXX XXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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  {$0.00} XXXX XXXX  XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$80.00} XXXX  XXXX XXXX XXXX  {$400.00} XXXX XXXX  XXXXXXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 card or prepaid card

the home depot card company stated that the payment was sent to the wrong address. I sent it to the address on the statement which is : Home Depot Credit Services XXXX XXXX XXXX XXXX, AZ XXXX Customer service said they would have a manager get back to me in two days. 

XXXX
Product: Credit reporting or other personal consumer reports

It is unacceptable to check my credit report and find all these violations. 

Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA. 

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

Contacted the following companies and explained to them that the account is fraud also notified XXXX, XXXX and XXXX that the accounts were products of identity theft asked them to provide proof that the accounts actually belonged to me and the following companies failed to remove the items that are negatively affecting my credit rating and never provided and proof or correspondence. 

XXXX JCP XXXX XXXX sold to credit collection agency XXXX sold to collection agency XXXX XXXX The companies do not take identity theft seriously and do not help consumers instead they create financial hardships and dont thoroughly investigate valid claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that there's a new claim by XXXX XXXX XXXX XXXX for {$930.00} from a claim by XXXX. The address associated with this debt claim is XXXX XXXX   XXXX XXXX Texas. We have NEVER lived in Texas nor do we ever have XXXX. We live in XXXX CA and use XXXX. I do not know anything about this claim and therefore can not submit any " proof '' as requested by the credit reporting companies : Transunion and XXXX. I submitted a request for them to investigate and all they said was that it was accurate without any explanation. I have submitted a dispute to XXXX XXXX but have not heard from them. Please help!
Product: Mortgage

Presently I am current on my primary mortgage loan with Wells Fargo. On occasion, I have taken up to 30 days to make a payment. The Wells Fargo company artificially requires payments to be made within 15 days of due date. Since I have taken up to 30 days to make some payments, Wells Fargo imposes a {$160.00} late fee. I have requested that they forgive the late fees. There is a precedence that would allow up to 30 days without penalty for every other financial institution I have ever encountered.
Product: Debt collection

Conn 's Home Plus is calling me multiple times daily. Just today, XX/XX/2015, they called me at XXXX, XXXX, and XXXX. They are preventing me from sleeping in preparation for my going to work tonight at XXXX. They have also called me outside the hours of XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Buruea is updating the wrong information on credit report XXXX XXXX stated they sent the correct information to experian of the for closure XX/XX/XXXXXXXX  and Experican Credit Buruea keep reporting it as XX/XX/XXXXXXXX  that not correct and I provided documentation from the company
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Sherman Originator XXXX, LLC/ Resurgent Capital Services XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX SC XXXX RE : Account XXXX Sherman Originator XXXX  XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX LVNV Funding, and ( unsure where debt is ) vs. XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The thief ( s ) made fraudulent transactions and opened fraudulent accounts in my name with XXXX XXXX. I have been back and forth with several of XXXX XXXX  affiliates, and no one is telling the truth as to where this debt is. 

Im responding to XXXX  XXXX, Resurgent Capital Services, LVNV Fundings replies that Sherman Originator XXXX, LLC, an affiliate of all the above entities, owns this debt as of XX/XX/XXXX. I request proper validation, and I want to make a deal for the paid in full removal of this fraudulent debt as shown below so long as this debt is validated to be owned by Sherman Originator XXXX, LLC. Please note that I never opened or used this account, and I request a FAIR payment for removal. I have asked everyone where this debt is, and the last one to be named was on 6/10/2021, Sherman Originator XXXX, LLC. However, the phone number and later I found the address provided are for Resurgent Capital Services XXXX. With this in mind, Resurgent Capital Services stated that they no longer have this debt. If this debt is NOT with Sherman Originator XXXX, LLC, then who did they sell it to? I need to know to inquire further. 


Sherman Originator XXXX, LLC Please provide all records relating to the fraudulent transaction/account, including : Application records or screen prints of internet/phone applications ( I request all since I did not open this account ) Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. 


If you have any questions concerning this request, please contact me at the above address.
Product: Mortgage

I requested a loan assumption on XX/XX/2022 and submitted documents to CMG Financial on XX/XX/2022. To date CMG has failed to respond. I have online chatted, emailed, online messaged, and called numerous times ( weekly ). CMG has failed to contact me with a status of my loan assumption. It appears they are not acting on my request. I can talk to customer service, and an escalation team member, but they can not tell me anything. Seems no one can tell me the status of my request. They did confirm the request was received. I do not know if they have even started working on it. I sold my house based on assuming my loan ( which is clearly an assumable loan ). I am in jeopardy of defaulting on my sale contract.
Product: Credit reporting

I requested my first credit report from TransUnion and received a report date issued XXXX/XXXX/2016. I noticed the report indicated a mortgage in the amount of {$96000.00} which I did n't know anything about. I called TransUnion to understand how this information was generated ; where did it come from? They were unable to tell me how or from what banking institution provided the information to TransUnion ; they kept asking me what bank it came from. I repeatedly asked and then spoke to a Supervisor who again could not tell me where the information came from, but TransUnion was happy to delete it from my credit report. They did n't do any investigation as to why or how this happened. I would like to understand their investigative procedure and why they are unable to tell me how this was reported incorrectly. I am currently in the process of separating assets with my spouse and need to be sure this liability is not outstanding. Thank you for any help. TransUnion did a poor job of ( not ) investigating and responding to my concern.
Product: Credit card

I've had a Home Depot card for almost 4 years. I've made every payment on time except for the last one. I made the XX/XX/XXXX payment 10 days late. A late {$29.00} fee was assessed on the day the payment was due, and they pulled my credit report, without my permission, and sent me a derogatory credit letter. They also lowered my credit limit to {$800.00} from {$6000.00}. After calling on XX/XX/XXXX to rectify the situation, I was transferred 4 TIMES- with each person telling me that they weren't going to transfer me. Their customer resolution system is broken, and the final rep was rude. I want my credit limit rightfully restored, and the bs {$29.00} late fee credited to my account. I also want a written apology from Home Depot Credit " Services '', as their treatment of me recently was condescending, rude, insincere, and inept. I was treated like a worthless person for paying one payment, out of forty two, ten days late. Customers deserve better than that!
Product: Credit reporting or other personal consumer reports

I am having troubles with Equifax to verify my identity since XXXX. They asked me to mail a copy of my documents ( ID and SSN ) and a cover letter, what I did. I even put a tracking number thru XXXX and I saw they received my documents on XX/XX/XXXX. They said would take 5 business days to work on my documents but since then I am trying to solve this issue and they say that there are no documents on my file. What is pretty irresponsible because those documents contain sensitive information. I want to unlock my credit report that has been on freeze forever but I am just not being able too because of them. They are not helping me and it has been such a hassle. I dont have access to my credit report and they just tell me either to wait or mail my documents again, what I am not going to do because they have to take their responsibility. And about waiting it is all that I have been doing for almost a month already and I got no answer from their end.
Product: Checking or savings account

I've tried, several times, to close my accounts that used to be with Bank of the West that were taken over by BMO bank. They do not have a branch location within a XXXX  hour drive of my location so I've called several times to get the account closed but to no end. 

On XX/XX/2024, I drove the XXXX hours round trip to a XXXX branch location, thinking I would be able to close these accounts. I was assured by the bank teller that everything was finalized. 

XXXX, I received an email that my statement was ready to check online. Since it's XX/XX/2024, I've logged in online and see that the checking account is still active. I tried working with the representative this morning but she seemed too worried about enrolling me in XXXX XXXX rather than closing my accounts. 

I don't understand what the problem is. I've never had this much trouble getting accounts ( with monthly fees ) closed. I feel like I'm being preyed upon by this banking entity and I no longer want any association with them. Please help.