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

Notice for Proof of Claim Account : COMMONWEALTH FINANCIAL SYSTEMS INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have XXXX  days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX  extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the police report and ftc violation
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

Someone stole my identity. XXXX XXXX XXXX XXXX apartments allowed this person to lease an apartment in my name from XXXX. I only found out about the XXXX debt when a collection agency contacted me. Ive since disputed the debt and provided the collection agency with all my credentials. I drove to the apartment complex and notified the manager of my issue and submitted my credentials as well. The manager stated she couldnt find any identification on record of the person who leased the apartment in my name. I am aware that people have to submit identification to lease an apartment, and the records should be kept on file. Because there is no documentation on file to compare to my identification, the collection agency assumed the debt is legitimate and wont take it off my credit report. Im gon na have to take legal action
Product: Credit reporting or other personal consumer reports

To whom it may concern As of XX/XX/XXXX I'm writing this letter to inform you that I Checked. My credit report with XXXX, XXXX and Experian. 
And the information on each of them is not correct. Neither of them has the same information. The dates and the amounts are Wrong and I who you can help me out with this please so the can get this correct as so as possible or remove it from my report. 
Thank you faithfully If you have any questions don't fall to get in contact with me.
Product: Credit reporting or other personal consumer reports

I had taken out a XXXX XXXX XXXX and my ex-boyfriend used to go there. And I don't know who let him resign a loan after we were not together but they did and I thought we had it straightened out but apparently we did not. They were supposed to get it cleaned up and put it on his name. He even had went to XXXX a little bit afterwards. So I don't know whatever happened to this situation. But this is not the cause of me if anything that should be penalized for letting someone else rewrite a loan in my name even though we were together and we came in and did loans together. They still did not make it right that they let him do that. And his name is XXXX XXXX
Product: Checking or savings account

Around month of XXXX I have took my retirement money and trusted chime as a bank to hold my funds to invest to properties. Today around XX/XX/XXXX I have recently seen this email saying my account was closed with over XXXX plus USD from my retirement and can not be refunded. I have called them multiple times to receive information on why my account was closed without any refunds and they decided to hang up on me without any information. I wanted to verify and get my hardworking funds back but again they still proceeded to not share any information and hang up on me time again. I am very disappointed and trusted chime to hold my investments. This is not how any customer who bank with this company should be treated.
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. 

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I reached out to Wells Fargo 3 to 6 months ago whereas I informed them that I wanted to speak with a mortgage banker about my mortgage for explaining of multiple entries of my mortgage payments. They had me set up an appointment and yet on the day of the appointment I met with someone other than a mortgage consultant as the person that I met with had to call someone on the phone and repeat everything that I said to that person. Yet the practice continues. Also, I recently made a {$2000.00} payment on my mortgage but rather than apply it to principal they subtracted my regular payment amount and applied the balance to principal even though I made regular payment 4 days earlier. 

I could go on and on but I hope I have said enough for you to get the point I am making. 

Thank you
Product: Credit reporting or other personal consumer reports

This account is fraudulent, my identity was stolen XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to access any credit score information regarding my credit account with  XXXX  I get an error message after answering the verification questions repeatedly I even tried to access my annual credit report online and on  XXXX  website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I s ee   XXXX   accounts are positively reporting with them so I know I have a file but every time I try to acce ss my   XXXX   score on  XXXX  or on  XXXX  or   XXXX   XXXX   I get locked out I need to be able to access my free  XXXX   fico sco re I have similar problems with equifax however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my  XXXX   XXXX   since we have  reported that with the credit companies and an official change of address so I do n't understand what is locking me out
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against Experian for failing to conduct a proper investigation into disputes regarding inaccuracies on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite submitting multiple disputes, Experian repeatedly responds in a short timeframe, asserting the accuracy of my account information without providing any evidence of a thorough or reasonable investigation.

This practice appears to violate the FCRA, which mandates credit reporting agencies to conduct reasonable investigations of consumer disputes. Additionally, Experians actions may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ), which prohibits unfair, deceptive, or abusive practices. Given Experians history of similar violations, its failure to provide proof of investigation undermines the integrity of the credit reporting system and harms consumers who rely on accurate credit information.

The disputed items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry done by XXXX XXXX on XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

On what day, month, and year did Wells Fargo begin the foreclosure process on my home? Was it 2022 or 2023? Please provide the day and month also. Thank you.
Product: Bank account or service

I have an XXXX Equity Line loan with SunTrust Bank. For more than two years now, I have begun to make more than the required payment ( additional payment toward the principal ) every month. SunTrust has been unwilling to provide a statement or history of my payment since I have begun to make the additional payments. I have called several times and requested a balance and payment history other than what was being sent to me monthly of which I believe the balance is incorrect and the extra payments have not been applied appropriately. SunTrust has indicated to me that it is against their policy to release payment history other than what was available online, and what is available online is inaccurate and incorrect. The loan department has refused to send me this record and unwilling to show how my additional payments are being applied. This is quite unfair to consumers not to be able to see or request a payment history. I believe something is wrong with this picture and I am demanding a full payment history of my equity loan account with SunTrust bank. This practice is very common with SunTrust. I have shut all my accounts down with SunTrust because of their lack of transparency and the mistreatment of consumers. The consumer is at the mercy of this bank.
Product: Checking or savings account

My business debit card from my Wells Fargo account was used as fraud. Wells Fargo contacted me to let me know of the first charge in my account which was {$1500.00}. They were able to credit back my account for this amount, but then there was an additional charge at the same merchant in the amount of {$1600.00} in a matter of 10 mins from the other charge. 
The Wells Fargo representative saw this, and immediately closed my debit card as they saw this as being fraud, and sent me a new card ( that I received 5 days later ) In the meantime I was patiently waiting for the {$1600.00} to also be credited back to my account, and when it wasnt I called back to find out what was going on, and they decided to file a new claim. They temporarily credited back my account {$1600.00} and a few days later I received a letter in the mail from Wells Fargo saying that this charge was not fraud, and the purchase was made by me or someone I know. The {$1600.00} provisional credit was then placed back on my account as a charge. 
After countless calls to the claims department as well as a visit to a local Branch to complain about this situation and ask for my money to be returned, Wells Fargo is claiming that the person who charged the card had the security chip which means it was not possible for it to be fraud and therefore the purchase had to be by me or someone I know. 
I have never let anyone borrow my card and I never made the purchase they are claiming I made. They will not refund my account, and they have not been able to help me. Their response is my hands are tied, XXXX cant help you and no one above me can help you either. 
They are blaming me for this and Im in complete shock that it was this easy for someone to steal that much money from my account and theres nothing that I can do about it. I feel like my money is unsafe being stored in a Wells Fargo account at this point, and I dont know what to do. Please help!
Product: Prepaid card

This is a XXXX XXXX XXXX XXXX, and was registered on giftcardmall.com as is instructed to do so on the card itself. I also checked a couple of times and confirmed the amount, which is {$50.00}. I called XXXX and it was confirmed that the card was registered correctly. Here why I think this company is a BIG SCAM! They won't allow you to register until you agree that they can use your personal information. The rep. told me the only way to by-pass that is to talk to a rep, which I did, and she told me that they will not use my personal information. I have tried to use the card online ( which the card itself says you can use it in store or online, and both times it has indicated that the transaction did not go through because the card is not good. The card also says on the back " Distributed and serviced by XXXX XXXXXXXX XXXX XXXXXXXX '' I contacted them and got nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : UNAUTHORIZED INQUIRIES Never did I give anyone consent to use my credit. Nor did I allow your company to allow anyone to use my identity to attempt to open any new accounts. I am frivolous and XXXX at how your company violated my rights as a consumer with in The FCRA sections 609, 610, 611. Your company also used my credit file to place inaccurate erroneous information which I am unaware of. I have been a victim of identity theft in the pass. It is your job as a credit bureau to protect our credit files which you purposely leak consumers files. I am distress and I am disputing these accounts as an internal dispute listed in the files sections as photos and an affidavit. I have filed a suit against your company for violating my rights several times because I am sick and tired of this. It has to stop. I am allowing a total of 2 business days for this investigation to take place and a renewed copy of my Credit report with the inaccurate and erroneous items you placed on my report removed permanently. I will be following up with in 24 hours to retrieve information of whom placed the erroneous accoutns on my credit file. I want to speak to a supervisor who is in charge of this shift because someone isnt doing their job and doing fraudulent things where I will have to file a police report after the court hearing that is upcoming. The unauthorized inquiries are in the attached files below.
Product: Credit reporting or other personal consumer reports

I sent All credit bureaus proof that this not not my account and they continue to say verified
Product: Credit reporting or other personal consumer reports

Received a letter stating information request was not legible they did not understand my request, and they failed to provide a current credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some accounts back in XXXX that I didnt recognize, I watched some videos on XXXX and came accross one that said these accounts need to be reporting 100 % accuraley. Well I disputed them for having multiple FCRA violations and most of them were deleted only to be reinserted without proper notifcation to me. 

These accounts are 1. ) XXXX XXXX Acct # XXXX 2. ) XXXX XXXX Acct # XXXX 3. ) XXXX XXXX Acct # XXXX 4. ) XXXX XXXX Acct # XXXX 5. ) XXXX- ACCT # XXXX Now they are reporting as 1. ) XXXX XXXX ACCT # XXXX 2. ) XXXX XXXX ACCT # XXXX 3. ) XXXX XXXX -ACCT # XXXX 4. ) XXXX XXXX ACCT # XXXX 5. ) XXXX ACCT # XXXX There are other accounts that are still reporting erroneously and would love to understand how these reporting agencies can do this without repercussion. They are not above the law. They should be removed off of all 3 bureaus and not just one or the other, If theyre all getting information from the same place they should all be reporting accuratley or removed from all 3! 
Here are the list of accounts that should not be there! 
XXXX XXXX ACCT NUMBER XXXX AND THERE ARE TWO ACCOUNTS WITH 2 BALANCES {$240.00} AND {$310.00} XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my experian credit report after disputing under 15 USC 1681b ( a ) ( 2 ) and found that my dispute was no longer under investigation. I am writing again to report a new violation in addition to FCRA 1681b ( a ) ( 2 ). 
I have a right to privacy and FCRA states a credit reporting agency ( Experian ) can not furnish an account without my written instructions to report - XXXX XXXX XXXX 
Additionally, under FCRA 1666 ( b ), a creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose. The law states initial disclosure within 21 days and this is a violation under Timing of Payments FCRA 1666b. 
This also is an additional violation under the Fair Credit Reporting Act.

Please correct and update my records to reflect I was not late in accordance with FCRA 1666b or delete account in its entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX Overdraft Protection Line of Credit which I've had for years, but very rarely use for more than a few days. I check all my accounts monthly, including this one, to determine if I owe any money to any of my open accounts, and pay the bill accordingly. When I login to online banking, the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and Current Balance is {$0.00}. To any normal person, there would be no further action to take - so I took no action. Fast forward to XX/XX/XXXX, I receive a cryptic email from XXXX XXXX @ XXXX XXXX requesting me to call her. There is no sense of urgency in her email. I called her and she explained that I had a past due balance of some {$4.00} and change. When I accessed my online banking, again it displayed the same information : the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and Current Balance is {$0.00}. She said in order to see the past due balance I had to physically click on the Pay Now button and the website would then show the amount due. That's ridiculous by itself - since the website first said nothing was due. I indicated that I would pay the bill that day ( Tuesday ). When I attempted to pay the bill later that day ( I'm in CA now and XXXX XXXX is in MA, so there's a 3 hour time change - XXXX XXXX was already closed ) it would not let me, saying I have to transfer a minimum of {$10.00}. I didn't owe {$10.00} - XXXX owed {$4.00} and change, so I didn't have a way to pay it. There was no indication made to me that if I didn't pay the past due interest by that day I would receive negative credit reporting. That's exactly what happened. I was reported 30 days late to the bureaus because of a website error - the website was clearly communicating incorrect information. A consumer should not have to hunt and peck through the website to find how much is owed. If any amount is due, it should be displayed under the amount due column. I am attaching a screenshot of the website prior to making the payment that shows how information is being incorrectly displayed.
Product: Credit reporting or other personal consumer reports

Based on the FCRA 15 USC 1681 ( 5 ) ( A ), the account with XXXX XXXX has several violations which include : XXXX XXXX Based on the provided credit report information, here are the discrepancies and inconsistencies found between each credit bureau : Account Holder : XXXX : XXXX TransUnion : XXXX XXXX : XXXX Inconsistency : The account holder information is partially redacted, making it difficult to confirm if it is the same across all bureaus. 
High Balance : XXXX : {$770.00} TransUnion : {$710.00} XXXX : {$770.00} Inconsistency : The reported high balance differs between XXXX and TransUnion. 
Monthly Payment : XXXX : {$99.00} TransUnion : {$97.00} XXXX : {$99.00} Inconsistency : The reported monthly payment differs between XXXX and TransUnion. 
Last Reported : XXXX : XX/XX/2023 TransUnion : XX/XX/2023 XXXX : XX/XX/2023 Inconsistency : The last reported date differs between XXXX and TransUnion. 
Past Due - XXXX Days : XXXX : XXXX TransUnion : XXXX XXXX : XXXX Inconsistency : The number of past-due days ( XXXX  days ) differs between XXXX, TransUnion, and XXXX. 
Remarks : XXXX : - TransUnion : Canceled By Credit Grantor XXXX : Account Closed By Credit Grantor Inconsistency : The remarks differ between TransUnion and XXXX. 
Responsibility : XXXX : Individual TransUnion : Individual Account XXXX : Individual Account Inconsistency : The reported responsibility type differs between XXXX and TransUnion. 
Credit History Timeline ( Late Payments ) : There are discrepancies in the reporting of late payments ( XXXX, XXXX, and XXXX  days ) across the XXXX credit bureaus. Detailed information about specific months is not provided, so it's challenging to identify the exact inconsistencies in the timeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked My XXXX XXXX and just noticed that there are two hard inquiries on my credit that I did not authorize in 2017. 

One is from XXXX  XXXX in XX/XX/2017 and the other is from syncs/ Walmart XXXX , Florida in XX/XX/2017.