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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX card services XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from my Credit report.
Product: Debt collection

on XX/XX/XXXX a person stole my wallet and charged on my credit cards, the bank help with those charges. I put a fraud alert on my credit for 7 year. But my credit report shows in my personal information addresses I live in XXXX, California. never been in California. Now I got a letter from Southwest Credit collection agency collection bill from XXXX XXXX XXXX for {$1300.00} from XXXX, Ca. I don't know how that happens I have fraud alert since XX/XX/XXXX. the same person is renting with my SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Wells Fargo Home Mortgage ( WFHM ) Wells Fargo Home Mortgage is maliciously and fraudulently reporting a 90 day on all three credit bureaus. I opened a mortgage in XXXX with WFHM and paid in in full in XXXX of XXXX. The account has been closed for nearly 6 years. My XXXX, XXXX, and XXXX  reports all show a 90 day late entry for XX/XX/XXXX. 

I have written several letters to WFHM and the Credit Bureaus disputing this 90 day entry. Letter correspondence was sent in XX/XX/XXXX, again 90 days later XX/XX/XXXX regarding this inaccuracy and no response was received. 

on XX/XX/XXXX I opened a complain with Wells Fargo directly which has not been assigned to any one in the mortgage division to investigate. They told me it would be 10 more days before someone would be assigned. 

Wells Fargo is in violation of the following sections and subsections of the Fair Credit Reporting Act. 
PART 1022FAIR CREDIT REPORTING ( REGULATION V ) Subpart EDuties of Furnishers of Information. 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. 1022.43 ( e ) Duty of furnisher after receiving a direct dispute notice.

List of violations and reference to codes 1. Supplying information to a CRA that it knows ( or should know ) is inaccurate ( 1022.42 ) 2. Failure to conduct a reasonable investigation of a dispute ( 1022.43 ) 3. Failure to notify you when it supplies negative credit information to a CRA ( 1022.42 ) 4. Failure to notify you of your right to disput
e inaccurate credit information ( 1022.42 ) 5. Failure to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute ( 1022.43 ) These violations of the provisions of the FCRA, caused financial harm to me as it has caused denial of credit and higher interest rates. Attached is a copy of a summary report showing all three bureaus reporting the 90 days late in XXXX, and that the account was closed and paid in full in XXXX. There is also a note that shows the account was in dispute in the attachment and that the dispute was resolved by furnisher which further proves violation of Regulation V, E, 1022.42 and 1022.43
Product: Checking or savings account

I was sent XXXX on XX/XX/year> from a sub contractor I use for my business. Cash app has taken the money from me and will not let me have it or access it at all since it was deposited last year and will not answer any of the numerous requests as to why! I have tried MULTIPLE TIMES to wait for the promised response and still have been told absolutely nothing! Which is the SAME thing as theft! ITS BEEN A YEAR AND NOONE WILL TELL me WHY or anything at all actually! They just keep giving me the run around and its NOT OKAY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



XXXX XXXX XXXX XXXX/ XXXX XXXX
Product: Credit card

Someone has applied for a XXXX XXXX Credit card, a XXXX  store credit card and for a XXXX credit card since early XXXX without my consent. I feel it XXXX be someone from my old address because when I contacted XXXX they asked if I lived now at am address where I resided 4 years ago. I have reported these fraudulent activities to the stores where credit was applied and to XXXX. XXXX informed me that they denied the application but XXXX and XXXX XXXX didn't say. I have locked/frozen my credit reports since but do not know what to do about the points i am losing on my credit for inquiries that are being made?
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) 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. 


TRANSUNION 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: Mortgage

I spoke to PNC after emailing applying for mortgage online. I called because I ended up having someone who sounded like they were calling from a foreign country call me about the loan. Eventually I spoke with XXXX XXXX, Mortgage Loan Officer, XXXX, XXXX. I explained everything that had happened with the current home Im in ( Flooding, FEMA instructions, eta ). Explained that the last time I applied I was approved for a conventional loan ( current house is fha ). He stated that I needed all this personal info to get a solid qualifying letter. I complete everything only to receive a FHA letter with requirements I cant meet. I emailed an asked why the letter wasnt conventional, no response. I called and he said that it was developed with the intention to have the the house Im in sold. I told him the issue with the home and why I needed to move first, reminded him and he said this is the process. So I said I wasted my time and risked my credit score dropping for nothing. He didnt seem to care at all. Now Im back to looking for overly expensive rentals and a lower credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has just destroyed every credit report ( XXXX XXXX, experian ) with inaccurate information and predatory lending practices. They report payments being made that are not happening, then they will turn around and report payments not being made after the case with the vehicle in question has been resolved in court. Just last week I saw payments being reported made & I have not made any payments for a few years now. I looked through the contract for the vehicle and noticed that there was a job listed for my consigner that she never had with income in order to secure the loan. There were alot of other inaccuracies that they used to put us in a vehicle that was overpriced & we could not afford, ran through the contract quickly when we were signing so we would not notice. We made payments for years and not one payment is listed on any credit report. They keep reporting payments & erasing them causing havoc on my credit scores. I have complained & disputed this many times with all 3 credit bureaus and it still is on my credit report causing major damage to my score for years. They have also been sued in court by consumers for predatory lending just a few months ago. Credit acceptance is terrible and they should not be allowed to damage peoples lives like this. This account needs to be removed from my credit report & my cosigner.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account number : XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau EQUIFAX, has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. 

This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy.

Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information :
Product: Debt collection

This has been an ongoing problem. I made a complaint through your website ( XXXX ). I spoke to Progressive Management Systems on or around XX/XX/XXXX sent them the documents that prove the debt was paid on XX/XX/XXXX by XXXX. I was told this was done. Today I received another letter requesting payment. This letter states that the debt was paid to me and I need to forward the payment to them. This is not true. The payment was sent from XXXX to XXXX XXXX  XXXX  in XXXX. I have presented proof and spoken to Progressive Management Systems and stated the debt was paid. Now there is an interest charge too. I want this to stop. I do not know where to go from here. We are trying to get our credit score up and this just keeps coming back. I want a resolution to my problem.
Product: Debt collection

The  Loan i applied for has not been approved so i need the approvement to facilitate the loan acquired for. I applied for the Loan o n the  XXXX / XXXX /   2017  and the loan amount is {$5000.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issues I've encountered with the inaccurate reporting of my personal information and inquiries by the XXXX major credit bureausXXXX  XXXX, and TransUnion. Specifically, my credit reports reflect incorrect or outdated names, addresses, and employment history. These inaccuracies not only misrepresent my personal data but also have the potential to negatively impact my credit standing and financial reputation. 
Despite my efforts to correct these errors directly with the credit bureaus, they persist in reporting incorrect variations of my name, addresses where I have never resided, and outdated or inaccurate employment details. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus maintain accurate and up-to-date information. The continual failure to rectify these errors suggests a lack of proper investigation and due diligence on the part of the credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 months that are reported late 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 XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX  XXXX, 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 XXXX  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 card or prepaid card

I have had an account with Capital One since 2003, accumulating significant reward points. Over the years my account was on autopay and I assumed everything was good. I got a letter dated XX/XX/XXXX saying that my account was closed due to non usage. I called Capital One at XXXX at XXXX PST today as soon as I got the letter. I tried to get my reward points back or card reactivated. I was told they sent me a letter in XXXX saying they would close my account if I didn't use it. I never received such a letter. I informed them as such otherwise I would have at the very least cashed in on my thousands of points. They told me nothing could be done and my reward points were lost. The value of those points exceeds {$500.00}.
Product: Checking or savings account

I have been with Bank of America over 15 years. 
XX/XX/XXXX I trusted doing a secure XXXX transfer through the Bank Of America App. This transfer was to a company accepting transfers and charging clients through their Bank of America account. 
My services were to be rendered XX/XX/XXXX-XX/XX/XXXX and totaled XXXX which came out of my Checking Account. 
XX/XX/2018 an announcement was made by XXXX XXXX XXXX XXXX owner XXXX XXXX that she was closing business and that all were refunded. ( I have proof that this is untrue ). 
She claimed to be a nurse also which we believe she is not active. Mrs.XXXX also claimed that the recovery home was her property and that she was legal in running this business. I did research and found the actual owner, XXXX XXXX, who nearly had a XXXX XXXX when she found out what XXXX was using the home for. Mrs.XXXX  said that XXXX signed a primary lease agreement only. I will attach proof of this also ( see documents with texts to a number with a XXXX area code. 
I am among the many who have been scammed via XXXX XXXX, XXXX XXXX   and Bank of America. ( See attached proof ) I spoke to Bank of America representatives and was advised that all the bank can do is reach out to the owner and ask if it is okay if the funds can be debited and placed back in to my account. In addition, I was advised that because I willingly transferred the money, then it is not much they can do as far as refunding. I have offered proof of contract, dates, and services that were not rendered but they are firm in my transferring the funds being my fault. As a consistent customer I am disappointed. Proof should be accepted and this is not how a customer with morale and integrity should be treated. Bank of America is protecting the fraudulent members and neglecting the good ones. I am entitled to a full refund from this company at least 30 days away from date of services which is XX/XX/18. I am well within my rights. It is unethical to allow me to suffer as I am having XXXX which is why I booked this stay in order to recover out of state.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXX I Account # XXXXXXXX XXXX XXXX XXXX I Account # XXXX, and XXXX 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 or other personal consumer reports

A XXXX  ago, I sent the XXXX  credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

An Oliphant representative called me and started requesting personal and confidential information from me but would not reveal the purpose of the call. I suggested that they contact my attorney, but he insisted on trying to get personal and confidential information from me. Because I would not give them me any information, the caller began threatening.
Product: Credit reporting

XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXXXXXX investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Vehicle loan or lease

On XX/XX/XXXX, I signed a contract agreement with Pacific Financial Leasing for a Used XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I received a used XXXX XXXX & XXXX XXXX XXXX XXXX. 

I have contacted Financial Pacific Leasing several times and have received no help from them. 

Plain and simple, what they did is fraud.