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

I am filing this complaint to dispute a late payment reported by XXXX XXXX  on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/2022 my wife checked out account and found that a tellers check in the amount of {$2600.00} had been processed from our account along with an {$8.00} expediting fee. After filing the dispute with USAA, we found that there was a new document in our USAA app inbox that was a transcript of the call made to USAA authorizing this check. The pay to name was someone neither of us now, the address is for someone we do not know. I was unaware that usaa had an automated teller check line. After waiting 3 business days, nothing had been done to our case, after 5 days, still no update. I called again today on XX/XX/XXXX to find out the status, only to find that they found NO FRAUD, and they were unable to leave a voicemail advising us of this finding. We disputed the findings and currently waiting to hear back from them. XX/XX/XXXX will be business day 10. We have banked with USAA for 15 years and for them to literally give our money away and claim that it was our doing is disgusting and disrespectful. This has put us in a bit of a financial hardship and would like for them to right this wrong. The lack of communication on their part leads me to believe they truly do not care, or its an internal issue that they need to resolve.
Product: Mortgage

I have asked  Ditech  several times this week  XXXX  more recently on Friday,  XXXX   XXXX ,   XXXX   ), to e-mail me the statements from  XXXX ,  XXXX ,   XXXX  , along with a recent escrow analysis that was completed in  XXXX ,   XXXX  . I have received nothing via e-mail, though the customer service representatives have told me that they have sent the documents. What prompted the e-mail document request is that I am unable to login to the account via the Ditech online system, to be able to download the documents myself, since I do not receive paper documents via mail, anymore. I requested a reset " password '' link several times, and it does not work. I have been told by the customer service reps. that the login features have not be working since at least  XXXX   XXXX ,   XXXX  . Currently, since I am unable to access the login features of the website, I am unable to use the online payment features of the website, in addition to not being able to download documents. I am told that I am not the only  XXXX  experiencing this problem. And, the customer service reps. are unable to provide any information as to when the account login features will be available. I never had this kind of trouble when my loan was with  XXXX . The fact that the account login portion of the website has been inaccessible this long is inexcusable, especially since Ditech encourages its customers to use web-based services, instead of the  U.S.  mail. I am also annoyed by the fact that Ditech has made no efforts to put a notice on the website, to notify people that the website is having technical issues.
Product: Student loan

I have sent two requests to Navient to remove my cosigner. They tell me that I have to show proof of graduation from college. I have repeatedly told them I am not returning to school, nor am I finishing my degree. They then tell me I have to have proof of my citizenship. I told them they can check my citizenship with my social security number. They say that my forms are n't signed or filled out properly, but they did not specify which copy. I have sent two requests almost three months apart. They also did not answer my first request which was sent via regular mail. They did not answer my second request until I emailed the advocate center and demanded an answer. I simply would like my cosigner removed. He is XXXX years old and I have paid twelve months of payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account is over 9yrs old and closed for 7yrs transunion refuses to remove this old account from my report
Product: Mortgage

This is my attempt to attach email communication in reference to my complaint regarding the refinance of my home at XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I notice on my credit report accounts that I did not authorize or have not been verified. I filed an FTC report due to information exposed in XXXX XXXX, please remove all accounts below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing this complaint against Experian for reporting inaccurate and inconsistent information regarding the XXXX XXXX account ( partial account number : XXXX ) in my credit report. Experians reporting violates the Fair Credit Reporting Act ( FCRA ), as detailed below : Inaccuracies and Issues Identified XXXX. Date Opened : Experian lists the account opening date as XX/XX/XXXX, which conflicts with the date reported by XXXX ( XX/XX/XXXX ). 

XXXX. Payment History : Experian reports progressive late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Offs : XX/XX/XXXX and XX/XX/XXXX These details conflict with the lack of payment history shown by XXXX. 

XXXX. Comments : Experian includes comments such as " Account was in dispute- now resolved '' and references to bankruptcy XXXX  XXXX, XXXX, or XXXX, which are absent from XXXX reporting. 

FCRA Violations 1. Section 609 : Experian is required to report verifiable and consistent information. The discrepancies and additional comments in its reporting violate this section.

2. Section 607 ( b ) : Experian must maintain reasonable procedures to ensure the accuracy of information. Its failure to align key data points with other bureaus shows non-compliance.

3. Section 623 : The information provided by XXXX XXXX is inconsistent, and Experian failed to ensure its accuracy before reporting it.
Product: Checking or savings account

on XX/XX/XXXX, I opened a XXXX account at Wells Fargo bank with a bonus account offer and funded the account within 30 days over $ XXXX and maintained the balances throughout 90 days holding period which qualify me for earning the {$520.00} bonus offer that I was signed up for at account opening. I'm supposed to receive my account opening bonus within 30 days of earned which should be middle XXXX latest but as of today, after I raised several cases and made numerous phone calls and voice messages, no one from Wells Fargo has been able to help me. The worst thing is I'm unable to move the fund out of this account which only pay XX/XX/XXXX % APY as I need to keep this account open to receive the bonus and in order to avoid account maintenance fee, I have to leave the entire $ XXXX on this almost no interest-bearing savings account. 

What Wells Fargo does is unethical and is a violation of signed agreement as it stipulated on its advertisement. And since I raised a case in middle XXXX, no one has updated me about its status although I was told that the case should be reviewed and resolved within XXXX business days. By end of XXXX, I had to ask the banker to raise another case to executive office but still no response as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a clear violation of FCRA and an inaccurate report. See, why are you giving me a 90 day late remarks when the status is current and also there is no prior late remarks that comes after it.
Product: Credit card

There is a charge that was posted to my account on or about XX/XX/2023 a charge by XXXX XXXX posted to my account in the amount of {$360.00}. This charge was not authorized by me. I did not give consent to make such a charge to my account. Furthermore, " XXXX XXXX '' did not provide me with any goods or services. I made 3 attempts to contact this merchant to resolve this issue, they never responded. I then disputed the charge with Synchrony. The dispute process resulted in no response by the merchant and Synchrony did not provide any documentation showing that the charge was authorized or valid. In fact, Synchrony did not respond with any information at all. 

Instead Synchrony proceed to put the charge back on my account, then make debt collection attempts and threats, charging interest, late fees and harassing me to pay a debt which i reported as fraud. 

I made a second dispute and brought to their attention that they are making demands for payment on a charge that has been reported to them as fraudulent. They reversed the charge, then refunded the account. They also issued a new card. However, they did not resolve the issue, they instead re-posted the fraudulent charge back to the card a couple months later. 

Like the first dispute, Synchrony did not provide any proof whatsoever that the charge is valid in any way, shape or form. They merely posted a charge which I have made absolutely clear to them, that " I DID NOT AUTHORIZED '' and secondly " NO SERVICES OR GOODS WERE PROVIDED TO ME ''. The charge is fraud and I am a victim which Synchrony has aided and abetted in taking from me. 

Under Threat, Duress and Protest i paid Synchrony because they have already demonstrated to me that they will cause harm to me and my credit if I did not pay them this fraudulent charge. Also they are on notice that I intent to report them to FTC and CFPB, which obviously they appear to not care about. 

Again : The Charge in the amount of {$360.00} is in dispute ; I declare said charge is fraud ; and said charge is without my consent for which I did not receive any goods or services. 

Bottom line, when a charge is reported as fraud, and the victim is telling you that no services or goods were provided and/or authorize said charge ; i believe that Synchrony as a fiduciary of a credit card account has a legal duty and obligation to go above and beyond to resolve this matter and not just carelessly continue to make payment demands and debt collection attempts on a charge that is in dispute and declared as fraud. 

[ Take Notice : upon request or should this proceed to litigation, i intend put this statement in affidavit form. ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXXXXXX : account number XXXX -XXXX XXXXXXXX : account number XXXX -XXXX XXXX : account number XXXX XXXX XXXX  : account number XXXX -XXXX XXXX  XXXX XXXX : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681 section 602 ( a ) states that I have to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$19000.00} Original creditor : XXXX XXXX XXXX {$130.00} Original creditor : XXXX Balance : {$82.00} Original creditor : XXXX Balance : {$95.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX CREDIT Inquired XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$82.00} XXXX XXXX XXXXXXXX Balance : {$95.00} CREDIT COLL XXXX Balance : {$130.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$110.00} XXXX 'S XXXX XXXX Balance : {$110.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA 15 U.S. Code 1681c2 and 15 U.S. Code 1681 consumer credit agencies XXXX and TransUnion have violated my rights to have my information blocked as result of identity theft and have failed to report fair and accurate information on my consumer report profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have counted about 16 errors on my credit file. My attempts to get them corrected have been ignored by the credit bureaus. I reached out to XXXX, Transunion, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX by phone and mail. Now I taking it a step further to point out that each company is fraudulently reporting information including accounts and incorrect/invalid account statuses.I asked them all to provide me with any type of sign letter or authorization given by me that allows them to do ANYTHING on my credit file. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have not provided so such thing.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I filed paperwork to initiate a brokerage account transfer to move from Robinhood to XXXX. On XX/XX/XXXX, I checked in with XXXX regarding some fees that I had nearly incurred. That issue was resolved. In the process of resolving that issue, I learned the root of the problem had been a fraudulent report from Robinhood that my account with them was negative and the balance needed to be resolved. This also led to Robinhood rejecting the XXXX request. 

Robinhood customer support has not been responsive and has claimed that the negative balance was an error, but has not resolved the problem.
Product: Credit reporting or other personal consumer reports

Credit Reporting are violating FCRA laws be reporting inaccurate information to my consumer report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Debt collection

On XX/XX/2018 at XXXX EST, I got a phone call from a HSBC collections department representative, asking if I was going to make this month 's payment on time, and if he could get that going for me today. 

Payment is due on XX/XX/XXXX, and past due on the XX/XX/XXXX. 

I told him I would have it on XX/XX/XXXX, and he seemed to be ok with that. 

He then asked about XXXX 's payment, if I would have it on time, and that's when I got a bit angry about his line of questioning, and why I was being called in the first place, since nothing is past due. 

I told him that if this is they way they are going to do business with me, then to please don't call me any further because it felt like harassment. I'm not sure he understood, so I repeated to clarify my stand on this issue, but I'm not sure he got the message.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.