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

Equifax is reporting an account on my credit report that is not mine. On XX/XX/XXXX I received a letter from XXXX XXXX for {$3200.00}. Shocked, I immediately responded to the letter asking for validation of the of the debt because I 've had no dealings with the company nor the company they represent. The company did not reply but put the account on my credit report. I sent another letter and was ignored again. On XX/XX/XXXX I sent a letter to Equifax in good faith asking them to validate this debt with XXXX  XXXX. They responded with a letter saying the account had been verified. I assumed they misunderstood my request so on XX/XX/XXXX I sent another letter asking for validation again. I received a response on XX/XX/XXXX from Equifax saying the account was verified. By who? Where is the proof of the validation that I requested? Per regulations I have a right to see what information a creditor is providing to put a negative item on my credit report. On XX/XX/XXXX I contacted the BBB and XXXX XXXX did not respond. I received the email from the BBB yesterday ( letter attached ). This company is not responding to the BBB or to me, yet somehow Equifax has received verification ( still not what I requested ). This company is not responding because they can not proof this debt is mine. Equifax is refusing to remove a debt that can not be validated. Not only did XXXX XXXX ignore my request, but so did Equifax. This is a violation of my rights and needs to be removed from my account. The amount of {$3200.00} is not a small amount that Equifax can ignore the company providing proof of the debt. Where is the signed contract or anything for that matter? Due to lack of proof XXXX and XXXX quickly removed the debt at my first query. I feel Equifax is being negligent in pursuant to the FCRA and allowing abusive practices by XXXX XXXX. I have worked hard to maintain a good credit file and after serving my country for 16 years, I find this is disturbing. I ask the help of the CFPB to assist in stopping Equifax from victimizing me. XXXX XXXX # XXXX for the amount of {$3200.00} needs to be removed from my credit.
Product: Checking or savings account

Wells Fargo has created fraudulent checking and savings account 's for the last year and a half and two years. Wells Fargo advised me in my last complaint these " Fraudulently '' Created account 's submitted with my information that was not accurately reported, and that the account 's were not authorized by me, but instead from an identity thief. I did not, sign any account opening documents and I have not opened any account 's with Wells Fargo. These account 's were opened originally as part of Wells Fargo new account scandal where they were opening account 's without peoples knowledge. I advised Wells Fargo I have never had any account 's with Wells Fargo, These were opened from an identity thief, and Wells Fargo advised they agreed a thief opened these via a letter they sent me. Wells Fargo has alot of phishing emails going around also, Alot of scam emails. I do not open these. I am not sure where to report these, However. I was going to talk to a banker about opening an account at some point since I have never done so at Wells Fargo. The banker informed me that Wells Fargo and or it's affliates can not open account 's for me because of a " Past Relationship '' I do not have a past relationship. As I stated before I NEVER HAVE HAD ACCOUNT 's with wells fargo. You even agreed the phone number XXXX was a fraudulent number. I have confirmed XXXX shut this number down. I have not applied for account 's with your bank and I have not opened any. No Savings, or Checkings accounts. So how can I have a past relationship if these were opened from a thief?
Product: Credit card or prepaid card

In part my issue is resolved but not to my complete satisfaction. 

We initiated an agreement with XXXX XXXX in conjunction with Synchrony Bank for an interest-free loan on a {$4800.00} purchase in XXXX of 2019. 

As you know such contracts, when a payment is late, often contractually are allowed to begin charging interest. 

Unfortunately, such banks often make XXXX year- olds like myself a victim of their bureaucracy through arcane rules and sometimes traps for the unwary. 

Because my spouse pays bills on the XXXX Synchrony does not recognize the payment for that month because their billing cycle begins on the XXXX. 

They were fine with removing the penalties when I call in but the whole thing smelled fishy and I asked for a hard copy of the correct payment window and was told by a supervisor 'no letter exists ' which I find highly suspicious. I asked if a letter could be written and was told by a senior account manager it wouldn't happen. 

Senior citizens, I believe, are being abused by their policies every day. 

Thank you for your interest.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX opened a dispute with the company ONEMAIN in response to an affidavit I sent in describing the inaccuracies displayed on my report by the furnisher ONEMAIN. On XX/XX/year>, this dispute was completed with a resolution of this account had been updated. No where in the description did it express this debt was validated nor did I receive any correspondence with the documents requested to validate this debt. I also requested cessation of collection efforts until the debts were properly validated and as of today XX/XX/year>, they have not been. Under the Fair Debt Collection Practices Act ( FDCPA ), section 805 ( c ), I am entitled to request a debt collector to cease communication regarding a specific debt. I requested that communication cease until debts were properly validated in the original dispute letter that was received by the bureaus on XX/XX/XXXX. ONEMAIN has contacted me 11 times since then without properly validating the alleged debt, placing the company in violation of the FDCPA for disobeying my request. Under the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S. Code 1681e ( b ), which states bureaus must assure maximum possible accuracy of the information in a report, I requested validation of this account due to inconsistency in account information amongst the reports. In this dispute I stated should these documents not be provided... I will assume that these debts can not be validated and therefore expect a deletion of these accounts from my reports. I am now sending the attached letter directly to the company as I also submit this complaint.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX 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: Checking or savings account

My account was closed with capital one but I can not access my account or receive an answer as to when my funds will be sent. They have no number to that department or no resolution. I was told to go to a cafe but that was not accurate information I spoke with manager XXXX agent XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card

I logged in to the Comenity Bank XXXX for XXXX store card ) to pay my bill. Upon logging in it the website said I had a {$0.00} balance and {$0.00} available. Upon checking the online message center it said the the account was closed due to inactivity as of XX/XX/year>. I had made a purchase using my XXXX ( Comenity Bank ) credit card on XX/XX/year>. The order number was XXXX and I have the email confirmation. I verified on the website that the card used was my XXXX card. I called Comenity Bank and was escalated to various levels, eventually getting to an Account supervisor. I was to be escalated again to a higher level and was disconnected. I called again, was escalated again transferred to the account supervisor, and again " disconnected ''. At this point I believe they are just hanging up the phone. 
I was told a few times that the only way to reopen the account would be to reapply. I explained to them that doing so would massively impact my credit score and report because I would be XXXX closing an account, XXXX would get a hard inquiry on my credit report, XXXX be reopening a new account, and XXXX it would drop the average age of my open accounts, all of which would negatively affect my credit score. I should not have to do that because of their mistake. 
The very first person I spoke to told me that the account could be reopened since it was within 7 days, but I would just have to make a purchase today. I attempted to make a purchase using the store card and it was declined because the account was closed. I keep getting different ( mis ) information from each person I speak to.
Product: Debt collection

Good day, I recently learned that a past debt appeared in my credit score history as unpaid recently. I called the company Stuart Lippman & Associates and they confirm that my debt was successfully paid in 2016. 

I would like to have this corrected in my credit history. I hope you can assist me, Thanks
Product: Mortgage

I refinanced my home and left Ocwen for XXXX  closing loan on XX/XX/XXXX

At closing, XXXX XXXX XXXX. extracted {$700.00} from the closing amount to pay property taxes due by XX/XX/XXXX. Ocwen claims they paid the taxes from escrow they collected and withheld that amount from overpayment and escrow refunds.

XXXX XXXX and XXXX XXXX provided copies of the same cancelled check from XXXX. XXXX  has no record of Ocwen check.

Ocwen can't find check and won't release the money. They've stopped responding. It is well past RESPA deadline.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed 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 XXXX XXXX XXXX XXXX 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'm writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely associated with me, causing significant distress and concern. I've fallen victim to identity theft and have promptly reported the incident. It's crucial to address this matter swiftly, given its detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I'm fully prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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

I want to file a complaint against the Transunion credit reporting agency. I have on serval occasions disputed XXXX XXXX XXXX, with the Credit bureau. The agency has deleted the collection and the next month has added the collection back to the report, several times. I want to process with Description of Procedures. This gives me the right to ask the XXXX, how they verified the information. I have also requested the XXXX XXXX, not being available and the debt being securitized by the original credit, and still have not received anything from the bureau or collection agency. 

Under the current laws. LawXXXX XXXX XXXX XXXX a ) ( XXXX ) if the FCRA & XXXX XXXX XXXX this collection should be deleted from my credit report
Product: Payday loan, title loan, personal loan, or advance loan

On last Tuesday I went in to One Main Financial and took in what they had ask for to complete the making it as if I ' d got the loan after about 45 min. They came ansaid I just a little bit under the mark and then took my score down XXXX pts after not giving me the money..Ok leave my credit score along if you are not going to give loan
Product: Mortgage

I filed for modification for our mortgage with Citimortgage in XXXX 2017. I kept getting the run around when I would call and speak to my homeowner specialist. Every time I went on their site to check for additional documents needed etc. it was and still is down for temporary maintenance. I have had 4 different homeowner specialists on this modification. I waited and waited and did not receive any documentation through the mail or online indicating what was happening. In XX/XX/XXXX I called my specialist at that time ( XXXX XXXX ) and was told our modification was still sitting on the desk of the underwriter. She did not know what was taking so long. We filed for a modification in the past and know the process. Usually after 90 days you have to resubmit bank statements etc. We received no notification stating to submit new items.On XX/XX/XXXX I received an email from XXXX XXXX stating our modification was still on the underwriters desk. So we wait longer with no updates. Then I call on XX/XX/XXXX because I receive a letter from Citi stating they were sending our mortgage for foreclosure to the foreclosure attorney. I speak to a gentleman who is talking through my homeowner specialist. ( I do n't understand why he did not speak to me directly. ) At this time I am told we were sent a letter demanding payment in XX/XX/XXXX which we never received. Then I am told on XX/XX/XXXX we were turned down for the modification. Why then did I get the email on XX/XX/XXXX stating our file was still on the underwriters desk? Again we were never informed. I asked if I could resubmit for another modification and was told yes. XXXX took my info including my phone number change ( this is the second time my number was not changed in their system ) and said he would submit it to my homeowner specialist and he would reach out to me. I received no phone calls or letters so I called again on XX/XX/XXXX and actually got my homeowner specialist. He asked the identifying questions and again I was told the phone number I gave them 2 times previously was not correct. he said he corrected it but I will see the next time I call. He also mentioned that was why he probably could not get hold of me. He put me on hold to finish what he was doing when I called. I attempted to ask questions when he finally came back and was told he could not talk at that time because he had another call scheduled. He did schedule a call for Friday but I believe Citi is deliberately trying to take our home. We have not gotten letters they said were sent, they are not changing my phone number ( given to them 3 time now. ) in order to call us, I am getting different stories from different people working there, I ca n't access their site for updates to our modification because it is always down for maintenance. We ca n't loose our home! We got behind on payments due to my husband being laid off, home repairs, and severe illness. Please help us!!!!
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This item was previously deleted from my credit report however, I just reviewed my most recent credit report and this item has reappeared. This false reporting is harming my credit score and this item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health. I am writing to bring to your attention certain discrepancies that I have discovered in my credit file and to request their immediate removal. After carefully reviewing my credit report, I noticed that some personal information belonging to another individual has been mistakenly included in my credit file. As a responsible consumer, it is crucial to me that my credit file accurately reflects my information at all times. 

In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I kindly request that you expeditiously eliminate the following inaccuracies from my credit file within the next 30 days. It is my understanding that the FCRA requires consumer reporting agencies to address such requests within this timeframe : References to XXXX XXXX XXXX XXXX References XXXX XXXX XXXX XXXX to XXXX XXXX References to XXXX XXXX References to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are reporting that I do not have a credit profile. I have sent documents in XXXX with proof of identity and still receive the same outcome. Please advise these bureaus to update my information showing correct and up to date scores and information as it is affecting my livelihood.
Product: Credit reporting, credit repair services, 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 XXXX XXXX Account name & # Cerdit Collection serv : XXXX Account name & # XXXX XXXX XXXX XXXXXXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXXXXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # Ohio Dept of human S : 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 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: Checking or savings account

I have a Bank of America checking account. I informed them that I was outside the country and couldn't use the account for the meantime. I have two checking account at the time then finally I was able to set up direct deposit on one of the account. I asked if they could waive the monthly service fee so I could close the other account. They said no to me and kept charging me monthly service. 

Then second thing that happened to me was I filed a claim to dispute the charge from XXXX. I informed them that my email and XXXX was hacked all my cards were on their system I found out due to fraudulent transaction from XXXX. After that it continued to charge my card. I kept getting new replacement card but the charges continued. They told me that the charges were authorize by me but I never did authorize the charge. I will be taking them to civil court. 

This bank is very unethical and deceitful.
Product: Credit card or prepaid card

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting 30 and 60 days late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please Investigate and report the payment status positive and update all late from reporting on this account.
Product: Credit card

I signed up for an American Express Platinum card due to the offer of XXXX bonus points XX/XX/2016. I met the minimum spend requirements on XX/XX/2016 using valid purchases. I then entered into an 8 week long review process, which should have concluded last week. American express has been very unhelpful throughout this process, and is now withholding the points that I have earned in a breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I am being hit with 2 Hard Inquiry 's from discover card I never made or authorized said inquiry 's I tried calling XXXX which they had said they would remove these inquiry 's due to the fact they are fraud and I did not currently request a XXXX Card.