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

These inquiries are not approved by me and are unrelated to my financial activities. I request their immediate removal from my credit report as it is not belong to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent out an opportunity to cure letter concerning an negative account furnished by XXXX XXXX XXXX requesting all information from Experian, XXXX, and XXXX pursuant Rule XXXX on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that they have adopted is designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than XXXX  days. I also stated that Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you ( Experian ) have fraudulently verified an account without a reasonable procedure as required by law and Delete these incomplete and unverifiable accounts and transactions from my consumer reports : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday l received a letter stating a receipt of my inquiry from Wells Fargo that stated they would contact me by XX/XX/XXXX or before between XXXX. Wells Fargo did not contact me within the time frame that they have stated and is calling my house out the appropriate time frame. 

Also calling my house and not leaving a voice message which is very unprofessional. 
Attached is a photo of the phone log proving that she called my cell phone outside the time limit that they agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus have not updated the account to reflect " paid in full as agreed '', " never late '' despite the fact I provided a copy of a check that stated the before-mentioned status which was then deposited and cashed by the creditor and hence legally considered an acknowledgment and agreement by both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen from my vehicle on XX/XX/XXXX and illegal / fraudulent charges were made. Theft was reported to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
I notified all credit cards companies and disputed transactions. 
All were verified as fraudulent ( and there is video surveillance of all transactions ) and money returned to my account/ cards. 
One charge from XXXX XXXX was initiated at a casino as a cash advance. XXXX XXXX contacted the merchant ( Everi XXXX ) and notified them that this was fraud. They provided merchant with police report, and Everi did not fight or dispute chargeback. 
On XX/XX/XXXX I was notified by my private banker that a negative collection hit my credit reports ( resulting in a XXXX point drop ) from company called XXXX XXXX XXXX. 
Upon contacting them I was told it originated from the fraudulent credit card transaction at XXXX XXXX  that that EVERI XXXX was the reporting company for collection. 
I contacted XXXX XXXX, who verified that this was verified as fraud and charged back. They also said this was between XXXX XXXX and Everi- not me the consumer. 
Everi did not fight or dispute the fraudulent transaction / chargeback, but sent my information to collections knowing full well that this was identity theft / fraud.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I made purchase, an item from XXXX furniture down payment of {$1500.00}. XXXX cents by CITI Bank Card, and by the time the merchant told me, that, right now, we don't have in stack, you must wait, to received, at list, after 9 ( Nine ) Weeks, or more, I said ok! 
However, after, a few days, All of the sudden, I lost my Job, I had a mass disaster, affected my XXXX  wife and my XXXX ( XXXX ) little children, I have to canceled my recently, XXXX  furniture. Item by CITI Bank Card, and I call to XXXX, and I explain what happen, they said we are sorry about your job loss, we will help you right now the manager, is not around, we will conform you tomorrow. I said thank you but, Nobody call me back! 
for the second time, I call again to the merchant, still the same words told me by phone and then, I were suspicious, I decided, to talk to the merchant face to face. 
the 3rd, day I went to the store again, explain, what happen, I am so sorry, this is my Laid off paper proof after, long time employment, I have children, and my wife is XXXX  months XXXX  and I didn't even received, the furniture, even, not ready for shipping so far please help me,? I ask politely! then, one of store supervisor said to me " how about employees commission? " well I am sorry I have most, urgent, financial needs, first, Like, Bread, milk, rent. 
the merchant, said, we have to email to the store manager, her name is XXXX, her phone # XXXX we have to wait her decision! she didn't answer stay longer her response! I was frustrated about XXXX  customer service. 
I call my Credit Card Campany, CITI Bank I describe, the steps, that I have taken, to resolve the matter, with merchant. Based on my document I fax to my card issuer, all papers that I have, they accept my dispute and promised to me they will help me. 
finally, they told me unable to help you because, the merchant change the game and need you to pay {$890.00} Dollars, coast of product!!! 
Where is my credit card Protections? Please see my case, as based on a principle of fairness. Now a days, Being out off work for an known period of time is one of the leading reason and I need help >!!!
Product: Credit reporting

I received a copy of my credit report sometime in XXXX. It shows I had a 30 day late payment to XXXX Account XXXX which was not true because I have had a XXXX balance for quite some time. I called XXXX and they admitted their mistake, then sent me a letter dated XXXX XXXX stated they would delete the delinquency from the credit report. I waited 30 days and it had appeared to be removed from XXXX and XXXX, but not Transunion. First I filed an online dispute with Transunion ( case XXXX ). It came back with the delinquency still showing up. I called Transunion and they said it was XXXX fault. I called XXXX and they said they had sent everything in they needed to. Then I called Transunion back and conferenced in XXXX at XXXX. His number is XXXX. XXXX told Transunion they had sent everything in to remove the 30 days late mistake. They even sent me another letter dated XXXX XXXX, that the delinquency should be removed. Transunion told me to file another dispute. That came back denied as well even after I uploaded the letter from XXXX that the delinquency should be removed. 
On XXXX XXXX at XXXX PST I spoke with XXXX person at Transunion that could n't resolve my issue, then I got her supervisor, he could n't resolve it so I was transferred to HIS supervisor XXXX who told me that the last supervisor tried to do a phone verification with XXXX to verify the delinquency was n't valid however XXXX would n't give out any information. I told XXXX I could conference XXXX in right now to verify. He said he did n't have that capability and I should call back tomorrow and ask for " Special Handling in the XXXX '' who can do phone verifications. 

This is absolutely ridiculous and I have never gone through a phone experience this bad, all while my credit score is inaccurate because of an incorrect delinquency that the creditor is admitting is not accurate. 

Please help me. 

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

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax, Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. 

You say that you have reinvestigated these accounts but you've admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

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. '' I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Sincerely, XXXX XXXX
Product: Credit card

I am writing because I noticed Wells Fargo reporting late payments on my credit report. 

Upon reviewing my credit report, I noticed that late payments have been reported. However, according to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1666b, creditors are prohibited from reporting payments as late when they have been made on time. I firmly believe that the reported late payments on my account were, in fact, made on time and have adversely affected my credit score. 

The impact of these incorrect late payment reports has been significant. My credit score has suffered, resulting in higher interest rates on loans and credit cards, and it has hindered my ability to secure favorable financial terms. This has caused undue financial stress and hardship.
Product: Credit card

I have a lot of credit card debt across multiple credit cards. I'm working on a plan to consolidate that debt onto lower interest cards to help me pay down my debt. I was able to transfer my balances to XXXX XXXX interest cards for all of my credit cards except one - PROSPER bank. PROSPER has the HIGHEST interest rate of all my credit cards, at a whopping XXXX XXXX I pay the minimum balance each month, because that's all that I can afford right now. For example, last month ( XX/XX/year> ) I paid the {$37.00} minimum balance and got charged {$27.00} in interest, so the balance only decreased by {$9.00}. The balance is about {$990.00}, once the XX/XX/year> interest charge gets applied. When attempting to perform a balance transfer to my PROSPER credit card account, paying it off with a XXXX XXXX interest card that I just obtained, I received an error that the card number was invalid. I tried it multiple times. I thought it was me. I have a friend was willing to obtain a credit card with a XXXX XXXX balance transfer offer for me, and attempt to pay off the card for me. This time, he received a similar error from HIS bank that the card number was invalid. 

Multiple banks ( credit card issuers ) were now saying that the account # XXXX XXXX XXXX XXXX is an invalid credit card number. I called PROPSER at XXXX on XX/XX/year> to ask them why I can't do a balance transfer from another bank to pay off my credit card. I asked if there was some sort of restriction or something on my account that could be causing this. 

" CJ '' at PROSPER said that PROSPER does not allow balance transfers to or from another credit card account. It's their policy. That seems absurd to me. So the credit card with the highest interest rate of all my credit cards will not allow me to pay it off with a lower interest card? How could that be their " policy ''? Why do they care where the money is coming from? This feels predatory, and doesn't sit right with me. I can see no other reason for this policy other than to ensure that I'm forced to continue to pay them high interest rates for years. I'm finally making efforts to improve my financial future, and PROSPER seems to have policies in place designed specifically to prevent that from happening. 

I'd like to be able to transfer my balance to a XXXX XXXX interest card that I obtained specifically for this purpose.
Product: Checking or savings account

I received an offer in the mail along with a change of address I submitted with XXXX. It came from citizens bank asking me to open a checking and savings account with a promotion. I went to the website and put in all my private information as requested. I was surprised that I was denied with no proper explanation. i have never been rejected for a checking and savings account. I gave this company my private information in exchange for an account as they offered me just to receive nothing in return. As a consumer if i am offered something in exchange for my private information i expect to receive it. This seems like a tactic to collect people private information without giving anything in return. This is predatory because i know that there is no reeason for me to get refused.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX & XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report, which I have previously raised for investigation. Despite my repeated requests, these errors remain uncorrected, and they continue to have a detrimental impact on my financial standing. The incorrect information on my credit file is not only causing damage to my XXXX XXXX but is also creating significant obstacles in my ability to secure financial opportunities and live a normal life. 

These inaccuracies have resulted in considerable hardships, and I am requesting immediate corrective action. I respectfully urge you to conduct a thorough investigation of the disputed accounts and take the necessary steps to update my credit report accurately. 

It is critical that this matter be resolved without further delay. I hope that with your assistance, my credit file can be restored to reflect its true and accurate status, allowing me to regain control of my financial health. 

Your prompt attention to this matter would be greatly appreciated, and I look forward to your swift response. 

Thank you for your understanding and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted three accounts ( XXXX XXXX, XXXX, and XXXX XXXX ) in charge off for investigation as there were errors in the accounts and they came back as updated rather than deleted like I requested as they had 2+ years to report correct information and now that its modified it further dilutes my credit report making it hard to find the factual information from the modified. And upon them conducting their investigation there is no way the investigation was done properly because 15 U.S. Code 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. How could they have done a proper investigation. Also they violated my right to privacy. Not only that but once an account has been charged off the payment history can not continue to report charged off
Product: Mortgage

My home mortgage loan was recently sold to Wells Fargo bank. I have not set up an ACH to pay my mortgage ( {$1400.00} a month ) and have been mailing in my payments with a paper check. I received notice in the mail that my loan had been sold and instructions on where to mail payment. 

I mailed my XXXX payment to Wells Fargo in via check, and noticed that it cleared on XXXX XXXX instead of the date of the check ( XXXX XXXX ). When I went into my XXXX checking account on line to see why it cleared early, there was no picture of the check and my account statement said it was processed as an ACH. I thought it was a fluke. 

I mailed my XXXX payment to Wells Fargo via check on XXXX XXXX. I dated the check XXXX XXXX. I had some money in my account when I mailed the check, but not enough to cover the mortgage payment. I knew I would receive my salary payment o/a XXXX, in plenty of time to cover the mortgage check for XXXX XXXX. My payment to Wells Fargo was processed for payment on XXXX XXXX putting me in a deficient funds status. When I went into my XXXX checking account on line to see why it cleared early, there was no picture of the check and my account statement said it was processed as an ACH. I called XXXX and complained. 

After looking into the matter the XXXX employee informed me that because I provided Wells Fargo a check they can process it as a check payment or as an ACH. I do not believe this is correct. I did not authorize Wells Fargo to process my payment as an ACH. I believe it should have been processed as a check transaction, since I provided a physical check. 

I do not think that it is accordance with financial laws for XXXX to approve ACH from my account without confirming that I have given written approval for Wells Fargo to process as an ACH. I do think that it is in accordance with financial law for Wells Fargo to process my payments as ACH. I am frustrated that I was responsible in mailing my mortgage payments in on time, and dated them within the allowable window. I do not think that XXXX and Wells Fargo should be able to operate like this, and it has taken me a considerable amount of my personal time digging into this. I am fortunate that I have set up over draft protection on my XXXX account, and that I have been reviewing my account activity. This should not be allowable business practice for either bank and I hope that the CFPB can help me get more clarity as to why this is happening, or compensation for the violation. 

With all of the scandals that are going on with Wells Fargo I did not plan on giving them permission to process ACH from my accounts and I do not wish to try and figure this out with them. I do not trust that they will be transparent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a nearly perfect credit record on all 3 credit bureau reports. The only blemish is one late payment on my Ocwen mortgage listed in my XXXX and XXXX accounts. First, I never had a late payment. Second, When I closed my account with Ocwen during XX/XX/XXXX, I had no late payments reflected. Third, three years after my account was closed, paid in full with no late payments, Ocwen reported my last payment on my account as 30 days late? They entered this update during XX/XX/XXXX, like it was a recent missed payment on my XXXX   and XXXX account. I mailed Ocwen with documentation twice, and twice they never answered my correspondence, even though they are required to send me a reply within 30 days of receipt. I have proof of receipt with a signature for both letters and background documents that I sent. I have also tried to correct with XXXX and XXXX, but their response has been that Ocwen verified that the information is correct. In both cases, XXXX  and XXXX  did not explain how they completed the reservation or who they talked with at Ocwen. 
All I want is an answer back from Ocwen : if this complaint doesn't work, I will hire a lawyer and sue them under the FCRA. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Experian Credit Report, because XXXX XXXX and thier lied changing information on my report, dates etc. 
I was deny deletion on XXXX XXXX, and XXXX XXXX change to hire story again! Now Experian is not deleting them off my report after I XXXX XXXX went from closed account to a collection account, to prevent removal. 
I was told and a note of removal was ony report of XX/XX/2020. 
I have proof of this and will enclosed copy. XXXX XXXX can not keep changing status ony credit report! It is illegal to do what there doing..