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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT all information which can not be verified. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently contacted your organization about this issue and am now formally demanding the immediate blocking and removal of these accounts from my report. Their presence has caused me considerable emotional and financial strain by misrepresenting my credit history and obligations. If this matter is not properly resolved, I will pursue legal action to defend my rights. These fraudulent entries have impeded my ability to reach important financial milestones, including home ownership and providing for my family 's needs.
Product: Credit card

I applied for a credit card with Wells Fargo. I was approved and told to create an online account to access my banking information. I am unable to access that account or create a profile with them to use my card. They state it is because I had a previous profile with them created in 2011. This profile was not mine, was never created by me and it had old information of my mother 's, none of which was ever associated with me. They are unable to change the phone number on my account to allow me to create an online profile and it has been over XXXX weeks of daily conversations with different people all telling me XXXX more business days for this and that- none of which works. my concerns keep getting 'escalated ' and I am not being told that the only way I can create an account is by opening a checking account and going to an ATM with my debit card! So they want me to create a new account when I can't even access my existing account! I am so upset, this credit card can not be used, has pulled my credit and is now on my credit report. I feel completely mislead and lied to. Wells Fargo has completely been unhelpful and uncaring with my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate. 

XXXX XXXX XXXX has not answers to this complaint properly. XXXX I filed this complaint 30 days ago and it has not been responded to by the collection agency to any credit bureaus, or the CFPB, or me. It has been over 30 days and this awful violation that occurred via a letter The XXXX XXXX XXXX sent me referencing bogus laws, and coercing me into not disputing and accused me of furious disputing which is illegal and Im breaking the law! I demand the CFPB address this complaint for it has been over 30 days and the furnisher of the letter keeps manipulating the system and the complaint is being concealed. I demand this be addressed today! This was the first complaint with the damming letter sent to me attached! ( XXXX ) over 30 days ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting this collection on my credit report with the name of the original creditor and who the account has been sold to. They have re-aged the date of last activity which is a FCRA 605c running of the period violation and they have failed to properly validate that this account belongs to me. I have no knowledge of this account and it is reporting inaccurate. there is no address or phone number listed for the company so there is no way an accurate investigation occurred
Product: Money transfer, virtual currency, or money service

Around XX/XX/2021, I fell victim to XXXXXXXX XXXX  scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BofA account to fraudulent investment firm.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 

Account Name : XXXX Account XXXX : XXXX Remove off my report immediately! 

Account XXXX : XXXX Account XXXX : XXXX Remove off my report immediately! 

Account Name : XXXX  XXXX Account Number : XXXX Remove off my report immediately! 

Account Name : XXXX  XXXX Account Number : XXXX Remove off my report immediately! 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.
Product: Mortgage

I applied on the internet for a lower rate to refinance a mortgage. I was called by a person named XXXX XXXX from XXXX mortgage. We spoke on the phone and I gave him some personal financial information including my social security number and my address. After hearing his sales pitch I stated that I would be in touch if I decided to use his company. Five days later I received a packet in the mail. It was a loan application that I did not request. This application contained my SSN, address, my profession, credit scores. banks I use and other personal information. I am not happy with someone so carelessly sending my unrequested private information via a medium where it is so easy to steal. XXXX again the person 's name is XXXX XXXX. XXXX mortgage file # XXXX. Thank you.
Product: Mortgage

I submitted a complaint against American Servicing Company on XXXX XXXX 2015 via CFPB. I was contacted on XXXX XXXX 2015 by ASC stating they were going to do an investigation into the matter of alleged missing paperwork, quick change of home preservation officer before a loan modification could be approved, a promise of a new loan modification once my trial period was over, which I was never given. The investigating officer ( XXXX ) gave me a contact number which no one ever picks up. I received a letter from their attorney who is ready to put my home up for sale through the county Sheriff office. I contacted ASC attorney within the ten days as requested notifying them how I was going to secure the loan. I stated in the letter I am applying for a home loan modification with ASC I have yet to hear anything from ASC or the investigating officer and today date is XXXX/XXXX/2015. I believe my rights to secure a loan modification has been violated. Promises to grant a loan modification, lost of paper work, switching of loan officer each and every time I am TO get a decision for a modification, and the new loan officer always states " they have no idea what the last loan officer did '' so I have to start all over. I NEED HELP!!!! 
Lastly, XXXX only contacted me because of the complaint I placed with CFPB.
Product: Debt collection

On or approximately XX/XX/2020, I sent the company a letter stating how they have failed to provide me a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have not provided any documentation bearing my signature and it has been over 30 days and I have yet to get a response bearing this information.
Product: Credit reporting

I have never lived anywhere except XXXX, Louisiana my entire life. There areally XXXX addresses listed that are n't mine.
Product: Debt collection

I was notified by XXXX XXXX XXXX on XX/XX/ regarding an alleged debt. I have reason to believe I do not owe this debt because prior to moving into XXXX XXXX apartments, the entire unit XXXX flooded due to pipe bursting during the freeze. Everything including carpets had to be replaced right before I moved in. We lived there for 2 years. After we moved out in XXXX, four months later, I received a bill collection letter in the mail. I called XXXX XXXX apartments to ask what this was regarding to and was told that the carpet had to be replaced once again. XXXX XXXX was left in perfect move-out condition with no damages what so ever. The carpet was vacuumed and cleaned along with all furniture and trash removed. A security deposit was also paid-up front when signing my lease.
Product: Debt collection

On XX/XX/2019 by XXXX by XXXX XXXX from XXXX ( a First Data Corporation owned company ). I was contacted about debt which is owed by my employer on XX/XX/2019 I was contacted at XXXX XXXX by XXXX at which time I expressed that I did not wish to be contacted again about this debt, and I asked for all calls to be made to my employer. I also expressed that I did not appreciate being contacted before XXXX. 

on XX/XX/2019 I was sent a text message from XXXX at XXXX XXXX asking for a call back. 

on XX/XX/2019 I was called by XXXX XXXX XXXX, I rejected the call. 
XXXX I was called at by XXXX XXXX XXXX, I rejected the call on XX/XX/2019 I was called at by XXXX XXXX XXXX, I rejected the call. 
on XX/XX/2019 I responded via text to XXXX that I did not wish to be contacted before XXXX. 
on XX/XX/2019 XXXX responded back at XXXX XXXX, " my appologies ; I will make sure not to call before XXXX moving forward. 
on XX/XX/2019 I was called at XXXX XXXX  by XXXX, I rejected the call on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I submitted dispute letters to XXXX, Experian, and XXXX  notifying them of the accounts that did not belong to me on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law the bureaus had thirty ( 30 ) days to complete their re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Sincerely yours
Product: Checking or savings account

Chase denied my claim of XXXX and other claim it was clear as day it was fraud and the other dispute was XXXX those where clear as day too and they didnt do anything about it I will be taking them to court and I will be moving everything I use chase for if they dont make this XXXX right! This is super frustrating I use XXXX and XXXX XXXX and this has never happened to me!
Product: Mortgage

I submitted an online application with Synovous bank and have experienced communication issues, discrimination and fraud from the Loan Originator/ Market Sales Leader XXXX XXXX XXXX Please see attachments.
Product: Credit reporting or other personal consumer reports

XXXX months ago, Equifax signed me up with XXXX XXXX as a result of the Equifax data breach. Initially, everything was at my disposable that included my full credit report, credit score, and alerts. 

However, now XXXX months later, I am unable to secure my credit report, my credit score, and I do not get any alerts such as new accounts opened, etc. 

Lastly, the XXXX never returns my calls but documents that she does ; even after sending emails to XXXX I do not get a response. 

When I last called, the staff person simply did not make sense. I also requested that the XXXX return my call but no call. 

Equifax has hired XXXX XXXX who is doing absolutely nothing to protect my credit file. 

Several weeks ago, I opened a new account but there was no alert from XXXX XXXX. 

Now as I am typing this, I have been on the line for XXXX minutes and no one picks up. 
This appears to be a horrible company. The person finally picked up but dropped the call. She gave her name as XXXX.
Product: Debt collection

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate reporting on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. 
Upon reviewing my credit report from XXXX XXXX, which lists my debts across the XXXX reporting agencies XXXX, XXXX, and XXXX. the following is the information on how they are presenting themselves on my credit report when in fact its not true {$1200.00} XXXX balance TRANSWORLD SYSTEMS Original creditor. 

Despite multiple attempts to dispute this information with the credit bureau and the creditor, the inaccurate reporting persists, negatively impacting my creditworthiness and financial standing. I respectfully request that the CFPB investigate this matter and take appropriate action to rectify the inaccuracies on my credit report in accordance with 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company posted a 30 day late on a card that was used with out knowledge, never received any bill, company admitted the mistake in address on the phone changed the address and now is saying they made no mistake. They also took longer than 6 months to get back to me and now every complaint is met with a phone call saying they will look into and get back to me .... the last one was months ago. I still havent heard back from them. Company made a mistake but seems to be ok with putting it off as if I will let them get away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A year ago, my husband XXXX was diagnosed with XXXX XXXX XXXX XXXX XXXX. 
We have worked long and hard to build an exemplary credit history and had a strong credit score of XXXX. We had no late payments and no negative reports. As part of my husbands preparation for treatment, knowing that he wouldnt be able to manage our finances regularly, he set up automatic payments on our {$4500.00} XXXX credit card debt, amounting to {$150.00} per month ( above the minimum ), to continue until he was able to return to health and make further arrangements. 

Unfortunately, without our knowledge, interest on our debt increased and our pre-arranged payments no longer covered our monthly obligation. Thirty- and Sixty days late charges began to accumulate, and as a result, our XXXX XXXX dropped to XXXX4. XXXX XXXX recorded our dropping score, but didnt reflect any issues with XXXX. The cause of the decline was, at first, a mystery. 

As soon as we learned about this situation, just over two weeks ago, we called XXXX to resolve the issue and make arrangements to pay off the balance. We were told the debt was out of their hands and had been sent to collections. 

We spoke to our local branch manager, Mrs. XXXX XXXX, who understood our situation and attempted to solve the problem. She explained our predicament to a relevant supervisor, only to face the same response : We cant do anything. 

Though we can provide proof that we never missed a payment, our credit remains severely damaged. Again, our credit shows no late payments. In fact, our credit report shows no late payments from any of 15 other creditors. Only an insane person would pay everybody else and disregard one creditor. After working years to establish perfect credit, our compromised credit score means we can not refinance our home or pursue our life plans. The direct impact on our lives, however, is far more fundamental. 

Our efforts toward establishing perfect credit are part of our dream to establish a family. I have recently found out that I cant have children of my own. We have been working with the XXXX XXXX adoption agency in XXXX XXXX to adopt a child, that is my life long dream. I was born in XXXX as my father was U.S. Military and my mother XXXX. This low credit score will disqualify us from adoption.
Product: Debt collection

I paid {$260.00} to Caine & Weiner on XX/XX/21 and was advised by the customer service representative, XXXX  XXXX that processed the payment, the account would be removed from my credit reports with al l three credit bureaus and I would receive a letter after I made the payment. I have not received a letter by email as requested. So I am disputing with your company to assist me with removing the negative item off my credit reports. The payment confirmation number is XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding TRANSUNION 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ Insert Date of Initial Complaint ], I disputed several fraudulent accounts and provided Transunion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Transunion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.