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

I send Equifax a certified letter identifying in the letter that the accounts are not mine and to please send me documentation that these accounts are mine or take them of my credit report ASAP! I got a letter backing saying that they receive my certified letter but can not find a credit file that match the information.Bare in mind I send a copy of my drivers license proof of address Social Security card etc.I sent out another certified letter ASAP I received a next letter saying they receive my certified letter but cant find my credit file again now this is going on for approximately three months! I call the phone number on the letter and spoke to an agent who answer the phone and said please provide me with your information to find your credit report I provide the agent with my personal information which the agent alerted me that she found my report and proceed to ask me how can she help I told her I have been sending Equifax certified letters explaining that their are a few accounts on my report that are not mine, she ask whats the name of the account I gave them to her she then told me that they spoke to the creditors and the creditors said the accounts are mine I said can you please send a copy of every document that I sign showing these accounts are mine? ( She said no ) I said to her in that case Equifax need to take them of my credit file ASAP! She said they cant I would have to contact the creditors I ask did the creditors put those accounts on Equifax data base I then explain to her that I have to provide for my family and with these accounts that are not mine are making it harder for me to provide for my family.She said is nothing more she can do for me and the phone call ended. Equifax need to held accountable for negative information on my credit file they I love this to happen without proof or documentation. I need these false accounts to be removed by Equifax.
Product: Credit reporting or other personal consumer reports

I need the XXXX account deleted immediately as the reporting of the account is violating numerous rights, the first premier bank needs to update the frivolous late payment. Also, XXXX needs to delete the child support off my credit report as XXXX and experian did which means XXXX is willfully not complying which is violating Title 15 U.S.Code 1681b ( e ) ( 6 ) and I will be seeking litigation against XXXX soon if they keep reporting it. Look at credit letters attached for full info. This is my last and final warning before I file lawsuit against all companies that are willfully not complying with these lawful requests.
Product: Credit reporting or other personal consumer reports

I believe I am victim of XXXX XXXX. My identity was leaked in the XXXX data breach. I disputed these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX, XXXX and XXXX. However, the accounts have not been removed from my credit report. I have attached the identity theft report to this report. 

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Payday loan, title loan, or personal loan

Hi my name is XXXX XXXX and the company Im filing a complaint on is Bright Lending XXXX. XXXX XXXX XXXX, MT XXXX XXXX On or around XX/XX/XXXX I borrowed {$500.00} from a loan company called Bright Lending. It was a fast arrangement and the gentleman seemed very helpful and zipped me right through. I let him know that I did XXXX XXXX  part time and could steadily pay back the loan every time I was I had parts of the payment and certainly within a year. I gave him my bank info to make the deposit and electronically signed my name. Later that evening I discover the interest would be like {$2500.00}! And then last week they drafted my bank account, which put it in the negative, and now Ill have late fees of {$35.00} every week from my bank. I just had XXXX on XX/XX/XXXX and was counting on receiving a payment reminder or something ... .I couldnt believe they drafted my account. I called Brightlending yesterday XX/XX/XXXX to have the drafts stopped so I could afford to pay them back. I got a flat refusal. After I hung up the phone, about an hour later I received a payment reminder via email ... a little too late. My bank cant stop the automatic draft and Bright Lending will not. I was struggling which is why I desperately contacted a loan place. There was no mention that my bank would be drafted. They didnt even ask for a pay stub from me. Which I dont have one because Ive been ill the past 3 years and havent worked. I am hoping you can point me in the right direction. I want to pay back the money, of course, but not the astounding interest fee. And Ill never be able to pay it back with my bank account being in the negative and the weekly {$35.00} overdraft charge on top of it. 
I was completely misled about the drafts. This is terrible. I cant afford the ridiculous interest not the bank draft charges every week. And I can not access the My Account on their website to attach the interest rate they threw on me. Its like this company takes the money from the bank and there isnt even any money in my account! So now I owe the bank! 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is against Transunion and XXXX. 

On, XX/XX/XXXX I took out 2 student loans with XXXX. 
According to Federal code 10 years is how long good credit should be reported on, as long as there are no derogatories or late payments. 

During my loan repayment period, with XXXX, I was never late and certainly no derogatories. 
XXXX reported " Excellent payment History '' on all 3 reporting credit agencies reports of mine. 
Transunion and XXXX both are improperly reporting XXXX. I have even won this dispute with both of them as I did with XXXX and they reported on it properly and have since my first dispute. 

I have contacted both creditors and disputed this repeatedly since XX/XX/XXXX, in preparation for my home loan. 
The reporting agencies have stopped reporting on my " good credit '' the bureau 's even though it is on my credit report and required by federal law to be reported on if it is listed until it is removed, are not utilizing the fact that I have paid on these loans for 240 months. My credit is suffering because they are failing to report properly. On my credit report XXXX and Transunion state : " there are few accounts paid on time '' and " no former loan activity. '' My XXXX student installment loan, under the title, " status '', my student loans are labeled " CLOSED. '' Proper labeling under Federal code says revolving credit should be labelled " CLOSED '' on credit cards or other types of revolving credit but not on installment loans. Proper verbage for installment loans under " status '' when paid in full and closed, ( like my loans ) should read, " paid in full '' or simply " paid ''. 
The improper reporting is causing conflicts with my loan since they have the wrong label it looks as if I can still use the account but it's closed and/or the loan is not paid in full. 

I have begged, cried and pleaded, sent proper information, spoke to managers and supervisors, called the XXXX XXXX XXXX to no avail. 
As per the bureaus inaccurate reporting, " few accounts paid on time, " no loan activity '' and, " high credit usage '' my credit and myself are greatly suffering. 

I'm terrified, I'm not going to get a home. The bureaus lack of action has cost me tons of money a higher interest rate a lot of stress no sleep and I suffer from XXXX XXXX so I'm very sick from this whole situation I'm on XXXX and I don't have a lot of money I don't know what to do anymore I've worked so hard to make sure my credit is in good standing and for something as small as verbage to be ruining it is very disheartening. 
The " open account '' as the bureaus are listing my accounts are effect my DTI. 

I am in the mist of a student loan I've already had to do this once because of this wrongful reporting and now, at a lower credit score and in result of that a lower interest rate ... the lender are going to run my credit again. 

Anything you can do to help me would greatly appreciated. 
Time is of the utmost importance. 

Thank you very much XXXX XXXX
Product: Mortgage

My credit score is amazing, i have 20 % Debt ratio, however DHI proceeded to search for reasons to deny my loan. They harrased my HR department and constantly asked them to verify that my letters of explanations were true. They were never satified with my letters and kept searching for a reason to increase my debt to income by taking into account minor details such as gas and meal expenses. DHI also stated my income was incredibly less than what i reported on the application. After they verified my income to be true, they proceeded to asked my HR provide a written letter explantion of my pay because they werent satisfied with the employment/income verification. They also stated the only way to make the loan more favorable to underwriting was to increase my down payment. I wanted to add a cosigner but i was discouraged to because " they can make it work '' without one. The loan was sent to underwriting 5 times, and 5 times it came back with more excuses. I was eventually told all this info is needed for the investors to buy the loan. Its one thing to ask for information, but its another to continually harass my company and ask if i was telling the truth. Why do they need more down payment if they didnt believe i make enough to pay the loan? Why is my loan already being set up to be sold to investors before being approved. The worst part was that i put my vacate Notice to my apartment 2 months prior, with all the time wasted By DHI, i had 2 weeks left in my apt and was going to be homeless soon. I had no choice but to cancel the loan and renew a lease. Didnt need the house if i have a lease. I spoke with a lawyer and they advised me i was prematurely denied, for no reason other than discrimination.
Product: Checking or savings account

I made two deposits of checks from my customers into a joint account with my wife and I in it. The funds cleared immediately. They closed my account and started they would mail me a cashier 's check. I received a check for a portion of the money in my account. They are still withholding {$20000.00}. I found out from my clients that their back contacted them to confirm the payments and they both said they did. I still can not get any information from Us Bank on the matter and have already filed one complaint. I have occured sibstatantial financial loss. I'm their response they said their in the process of returning the funds to the clients bank. They are liars. No one had received the money that is rightfully mine. I supplied them with documentation to support the claim, gathered the support of all people involved in the payments, and us Bank still hasn't released the money too me. My clients confirmed the payments were mine and us Bank responded they were returning the money to the originated account. Neither had received the money as they stated they are y doing. This began XX/XX/year>. I had all necessary information made available to them within that week. They hang up on me when I call customer service and lie telling me I need to visit Branch manager. I've visited the locations and each manager had said I didn't know why they told you to come here. It's XX/XX/XXXX and I've had over {$20000.00} stolen from me by us bank. I contacted via email the president and top Authority. No one has accepted the evidence I offered to prove it's my money and release It to me. One of their managers said if I want it back then lawyer up. All parties involved in this theft of my money have came forward with full support stating the payments were legitimate and intended for me. They have completely disregarded all information I provided and my clients provided. They conducted additional information having my clients bank contact my clients. My clients confirmed the payments were for me. One Bank asked my client if they knew I had a law suit against me ( which I didn't ) but had nothing to do with this. In response to my first completing they said they are returning the funds to the originated account. This despite the truth and what everyone has said. I have had over {$20000.00} stolen from me due to this, and my clients received their services and products, but I still remain completely without a dime. The collateral damage from Us Bank dragging their feet is in excess of {$50000.00} now. I can't pay my bills, and I've had to cash out retirement accounts to live. That costed me a large fee and the loss of gains I should have from my money being in there still. They aren't helpful. They are rude, liars, and still have my money. Their actions are criminal and have damaged my financial status significantly. I NEED HELP PLEASE!!! PLEASE!! HOLD THEM ACCOUNTABLE!
Product: Mortgage

Wells Fargo is in violation of RESPA guidelines and in violation of CA HBOR. This dispute is being filed to establish a paper trail of these  violations for litigation purposes. 

1. RESPA requires lenders and servicers who receive a modification package to acknowledge receipt of that package within 5 days and provide an answer to that request within 30 days. Wells Fargo has received a complete package yet has established delay department referred to as a re entry department which has made Wells Fargo violate RESPA guidelines. The package was submitted on XX/XX/18. As of today XX/XX/18 we have been advised the re entry department is unnecessarily holding up the file for erroneous reasons. This is not acceptable 2. Wells Fargo re entry department states their mission is to determine whether a person can apply for a loss mitigation option based on previous attempts. CA HBOR removed the provision this year that allowed lenders and servicers to deny borrowers loss mitigation review based on previous reviews. Therefore this is an illegal practice by Wells Fargo and it must Cease and Desist that practice in CA.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XXXXXXXX XXXX XXXXXXXX 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. 

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

law saids they have 30 days its been 35 days remove the ftc violations two capital one bnak all inquires XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX   XXXX
Product: Debt collection

I reached out to the company a month ago in order to try to resolve this matter.
Product: Credit reporting or other personal consumer reports

TransUnion was tasked with investigating and running disputes for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX XXXX. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Transunion admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX XXXXXXXX. They refused to investigate that file for 2 years even while being requested to do so. Recently they have been provided documents probing illegal modification of personal file and have denied investigation even while this conflicting information invalidates the file
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted allied collections for a copy of the document the company claimed to send to the bureau to update my account .. the employees was rude and told me that because I wasnt the one who paid the debt in my name that I couldnt get anything stating I dont owe a balance .. I never heard of anything like this but seems to me I needed to address this issue with a higher superior.. why couldnt I receive my information from this company XXXX please pull phone Records XXXX pm Allied collections XXXX
Product: Debt collection

My wife received a phone call from her ex husband stating that XXXX XXXX with XXXX XXXX XXXX debt collection agency stating that I owe money and that they are going to sue me and take my car that I paid in full. XXXX XXXX then called my wife and told her that they are going to call my job. She was very rude and aggressive. 
This is against the law. 
This agency is not bonded to collect in my State Texas they are in violation of the Texas Finance Code
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i have been calling and sending in letters to the credit bureaus XXXX, Equifax, and XXXX. about wrongful information being reported on my credit report. some of these accounts are not mine and some of them are reporting wrong. the last time i have sent in letters is XX/XX/22 and still no response. I have tried calling but i feel im being ignored and this is causing a hardship on me and building my company.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX  days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

On XXXX XXXX my bank account got hacked. Money was XXXX  out of my checking account. Took about 5 hours to speak to a multiple reps. One representative even had a laughing tone when trying to verify my account due to my crying over the stress of the situation. They said they would Investigate and once I receive a letter in the mail saying that their investigation was done and they said I transferred the money due to it being done out of an XXXX and the bank app. No reimbursement would be done for me. 
When originally speaking to a fraud representative they stated that they could see the bank accounts that it was going to. 

I did inform them that my purse had been previously stolen before this incident with my phone and passwords and social and gave them police report incident. 

Please help. On the multiple times that we called the bank for help it took hours for them to answer and then more time due to my language barrier. And then the bank branches themselves also wouldnt give me immmediate help. Appointments only when it was the phone reps who told me to just show up. How can we report and deal with fraud when there is no immediate help!? 

Also more understanding staff. The stress that was put on me when one rep laughed at how my responses were when I was crying and stress because of the money that worked hard to save was taken.

Ive been a client for 30 plus years. Is this how were treated.
Product: Debt collection

Date : XXXX XXXX XXXX I reached out to confirm information and amount and I am unsure when I was charged this amount and have had no resolution.
Product: Debt collection

XX/XX/2022 I received a notification saying that Rise had updated a charged off account to currently late which is a because its listed as charged off on my consumer reports. Now how can a charged off account be currently late? This company is willfully causing harm because they refuse to admit that I don't owe anything to them. The amount they are displaying {$4000.00} which there no validation that I owe this alleged debt.