23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

first of all i had a credit card with HH gregs company went out of business so the hh greg card was changed to home credit card with synchrony bankcard # XXXX after going in to hospital 2 months was late one time then my balance went from XXXX to XXXX i was making payments to the company every two weeks XXXX plus. i contact the company and spoke with an operator explained to her about the late payments she told me that the payments was not coming on time that i was making the payments but just was not coming in on time. so i changed my payment dates threw my bank so it would come every two weeks on time this was back in XX/XX/2020 after checking my credit report it been closed by reporting XXXX  i have some accounts that was over the limit but paying them down bellow 30 % XXXX have closed several of my accounts reporting wrong information this not faire im working on my credit every time i get accounts paid out a ccount closed reporting by XXXX i need my credit THIS NOT RIGHT PLEASE HELP ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank XXXX XXXX XXXX is reporting an account on my credit report that they are not able to verify. This account has negative information attached and every time I call, they state that the social security number and birthday do not match my tax ID or birthday. So I asked how are they reporting ANY information on my credit report since they do not have the correct information. 

I spoke to multiple representatives from this company and they are unable to verify my social and date of birth on this account. So how can your company report such inaccurate information? I explained that I am from XXXX, so I have a tax ID that does not match your system at all. Your representative stated there is a social security on the account, but I do not have one ( since I am not a US resident ) and they stated this did not match the tax ID. This company has responded to all my disputes stating its accurate but there is no way as no personal information matches. I have included the following documents for your review : XXXX credit report showing the inaccurate negative information that is under my name. 
Proof of XXXX resident document where I highlighted my date of birth. 
XXXX document that shows my tax ID number. 

This needs to be looked into as soon as possible as this inaccurate reporting is damaging my life. How is your company verifying this information when my personal identification does not match? I am kindly requesting a letter of correction to remove any negative notation of this account from all three credit bureaus.
Product: Debt collection

Hi, I did pay my phone in full to unlocked it in XX/XX/XXXX and finish my membership the amount was XXXX $ under the phone number XXXX, then I switched over XXXX career on XX/XX/XXXX, since that time XXXX  keep charging me around XXXX $ a month for a phone number that I've never had which is XXXX and if you call this phone number is out of service, I did talked to an agent he said he gon na fix it and will never charge me again, although the month after, they charge me again I did call my bank to stop letting them take the money, in the XX/XX/XXXX wich is 2 days ago I did talked to them again but not solve the issue they were just confused because they were mistaken and said your case is now at the collection, and now they keep bothering me with a bills that I don't owe.
Product: Credit card or prepaid card

I paid the balance off several months ago. Nothing has been updated on my credit report for this account since XXXX, it's NOW XXXX. I feel 7 Months is more than enough time to update my credit report, especially when the account was paid in full and it's not being reported as such. This is for BJ 's Credit card through Comenity Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Remove the following fraudulent information completely from my Credit Report : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$23.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX XXXX, 2015, a " hard inquiry '' was made on both my XXXX and XXXX credit report by XXXX XXXX XXXX XXXX XXXX for purposes of determining eligibility for an " unknown '' reason. That inquiry is damaging my credit rating to date. Be advised that this his writer " did not '' at any time request either a loan or credit card from XXXX XXXX XXXX and/or its affiliates. I contacted both XXXX XXXX XXXX, XXXX XXXX, [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX ], and Premium Credit Bureau/Dept., Reporting Agency, [ XXXX XXXX. XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX ] seeking redress, but to date I have yet to receive a Case Number or a response to my dispute and request for verification pursuant to 15 U.S.C. sec. 1692g of the Fair Debt Collection Practices. These facts withstanding, I am respectfully requesting CFPB investigate this matter and take the necessary steps to remove this erroneous entry from all credit reporting agencies ( i.e., XXXX, XXXX, XXXX, Premium Credit Burea, XXXX ). 

Your time and consideration will not go unappreciated.
Product: Debt collection

I am writing because Portfolio Recovery is on my credit report as the responsible collector for an old cellular phone debt with XXXX. In my attempting to settle the debt with Portfolio Recovery, I requested that the initial debt along with the settlement agreement be put in writing and forwarded to me before payment is made. I was told the representative at Portfolio Recovery that the company could not provide me with proof of the debt in writing because of the state I live in. I am attempting to clear all debts and feel that I should not be forced to pay without receiving proof that they own they debt as well as the terms for settling the debt. I am requesting assistance with this matter.
Product: Credit reporting or other personal consumer reports

Affirm send me a pc for {$4000.00} but it wasnt a address I live at
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 the account in question is reported as a derogatory account. It is also reported as a paid Charge off account. When in fact this account has been paid on time from my bank account directly to the lender for over 2 years. This activity and history are shown in the history of this account. I have a copy of the history of this account and it can be shown that the account was not discharged or dismissed. This account has not been paid from a bankruptcy plan and should not be in that status.
Product: Credit card or prepaid card

I became a member of credit to checking deposit service called Grain in XXXX. They have increasingly changed their policies over the past year, including, recently, instituting a {$100.00} fee for a year of their " service ''. Having always made timely payments, my account has remained in good standing. However, when I logged into the application on XX/XX/XXXX I was informed by the app there were new " security '' procedures. I proceeded to log in and was subsequently told that they were unable to " verify '' my account ( after 2 years of usage ) and were rescinding my credit withdrawal line. My email to customer service, again, was responded to with their representative telling me they could not verify my identity and that their decision was " final ''. 

It's a curious situation as they did not ask me to verify any information. There was no request for identification documents, no internet-based authentication system, there was absolutely nothing - and no attempt was made to verify my identity. 

Further, this action was taken after I was debited the {$100.00} " yearly fee ''. Essentially, they took funds and did not provide the service. This is patently dishonest.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Put what you think would be a fair resolution to the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

A person by the name of XXXX XXXX, employed as a " XXXX XXXX '' for " XXXX XXXX XXXX '' formerly " Prospect Mortgage '', did on XXXX/XXXX/XXXX at XXXX, utilize my name and social security number to order a verification service from XXXX . The above person used that information to obtain copies of my personal tax returns under the guise of researching an application for a mortgage. I did not authorize the use of my social security number nor have I ordered any such verification for a mortgage, loan or any other transaction with Prospect Mortgage nor XXXX XXXX XXXX. 

I have requested in writing from the above person and company, for a copy of the application and authorization form that I would have had to have signed in order to authorize them to conduct that transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Student loan

The loan I currently have with UAS is not qualified for loan forgiveness. I am asking for loan forgiveness because the institution I took the loan out for was convicted of fraud and is no longer operating. UAS is not able to give me an exact reason as to why they are not willing to forgive my loan. Knowing that XXXX ripped off XXXX people. Why are federal loans being forgiven and not private ones?
Product: Money transfer, virtual currency, or money service

Two unauthorized ACH transactions were charged to my Wells Fargo business account ending XXXX on XX/XX/year>. The first electronic payment between businesses of {$100000.00}, Merchant name XXXX XXXX XXXX XXXX XXXXXXXX, and a second charge of {$95000.00}, a Total Charge of {$200000.00}. Wells Fargo was notified on XX/XX/year> of the unauthorized charge and I received a correspondence from Wells Fargo acknowledging the reported inquiry/dispute. 

Wells Fargo has responded stating that their investigation is complete and the claim is closed. Wells Fargo stated they would not reimburse the fund due too much time had passed before the fraudulent transaction was reported. They state the dispute must be reported in two business days. It occurred on XX/XX/year> and was reported on Saturday, XX/XX/year>. The second business day would have been XX/XX/year> and that requirement was met as required. A documented email reply from the Wells Fargo Fraud Department was received on XX/XX/year> as evidence. The two business notifications were satisfied, XX/XX/year> was the second business day.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX of XXXX I XXXX XXXX have not been able to reach a resolution to significant reporting errors within my consumer reports provided by XXXX and reported by Wells Fargo Bank NV NA and Wells Fargo Home Mortgage. 

Wells Fargo Bank NV NA is reporting a Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with Wells Fargo, only XXXX XXXX  ) discharged through Chapter XXXX Bankruptcy, I had filed this Chapter XXXX bankruptcy on XX/XX/XXXX, confirmed on XX/XX/XXXX and completed and discharged on XX/XX/XXXX. 

However this account as well as several other accounts were not allowed or were not part of this or any other bankruptcy ( see included documents ). Wells Fargo Home Mortgage is reporting that the account in question is open and past due 180 days. The debts in question were settled or paid on XX/XX/XXXX in the sale of the property in which the Wells Fargo Bank NV NA Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with Wells Fargo, only XXXX XXXX ) and Wells Fargo Home Mortgage Conventional loan were associated with ( see included documents ) and again this was not part of the Chapter XXXX bankruptcy or any other bankruptcy. 
I am asking the CFPB to assist in getting these issues resolved as they are preventing me from gaining a fair rate mortgage on the property I am currently residing in. If a resolution can not be reached within thirty ( 30 ) days of this complaint being submitted by the CFPB to the named parties or this complaint is closed without significant and meaningful response from XXXX and or Wells Fargo Bank NV NA and or Wells Fargo Home Mortgage, I will be forced to take legal actions under the FCRA and FDCPA laws and regulations including but not limited to damages, injuries and or financial burdens occurred. Since I have made several attempts to resolve these issues with XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage, I am only to assume that this is a willful intent to disregard or ignore my previous complaints. This is my final notice to XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage in regards to these specific complaints before taking legal action. 
Included with this complaint is my bankruptcy creditor ( s ) allowed schedule, letter of discharge, Release of Mortgage, Closing Disclosure, Credit report ( s ) with discrepancy in reporting, letter of payoff or paid in full and no balance due, previous correspondences with XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage also included is XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage responses to the aforementioned correspondences and this formal complaint letter.
Product: Credit reporting or other personal consumer reports

I've been denied credit because of the decision as shown on the attached email they sent to me in there own words and they have never had a account with me and the thing is they no it I have provided my last XXXX of my social they agreed that the account they have is not mine but they still proceed to deny me the right to apply They have violated my right for reason they no is not right
Product: Student loan

I cosigned a loan for my daughter who lives XXXX. Citibank was not sending statements or correspondence regarding this loan. When my daughter called to make a work out because she does not make enough money they denied her request. We made numerous attempts to work with them for a better payment plan with their suggestion. They would have us submit everything then say she was not eligible. We spoke to them in XXXX of 2015 and said we would pay as much as we could each month and hope to consolidate the loans, they said we were NOT in danger of default as money has been paid. Last month we received a letter from a lawyer saying the loan was charged off. I am the cosigner and was never notified or given a chance to bring it current for my daughter. I have contacted them via phone and letter ( see attached ) they have been rude and unwilling to discuss this with me, only stating that a letter was sent. They can not provide any information as to how the letter was sent and why I was n't notified. They only informed us that they do not negotiate with students that live XXXX. I am the cosigner living in the US and they would not assist me but are damaging my credit. I cosigned in good faith and the bank did not notify me of any issues with the loan. 
I have sent letters to Citibank which all went unanswered, when I phoned to inquire I was told there is nothing the bank is willing to do. I have a payment history and have been making payments which I thought were in addition to payments they were receiving which would have reduced the interest. Since Citibank has failed to notify me as the cosigner they did not give me the option to assume the loan as I committed to. I 'm very upset with the lack of response and support. More than XXXX has been paid on this loan, it is not as if this loan was ignored. I should have been notified.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, you need to delete any incorrect accounts from my credit report. Please inspect the documents. Some accounts listed have inaccuracies in their reporting, including wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Experian a letter with a return receipt stating to remove my security/fraud alert as I was in the middle of buying a home. I waited XXXX weeks and called they stated they didn't have anything. I tried for XXXX hours a day for XXXX week to upload the document as they were in the correct format and size to no avail. What am I supposed to do now? 

dates are from XXXX XX/XX/2019 - XXXX XX/XX/2019.
Product: Debt collection

On XX/XX/2022, XXXX XXXX put a {$250.00} collection on my account. I have no idea who XXXX XXXX is and don't owe anyone any money. Lastly, no attempt was ever made to contact me by XXXX XXXX. Please remove the XXXX XXXX illegal collections account from my Equifax credit report. XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX. 

Please be very aware that XXXX has already noted that the XXXX XXXX collection is illegal and removed it from my report. Equifax, I recommend you do the same and remove the illegal XXXX XXXX collections account.
Product: Mortgage

Carrington approved for me to skip my. XX/XX/year> payment. I will pay {$810.00} for 3 months to catch these payments up. Then Carrington sent me a letter stating. They haven't received my XXXX or XXXX payment. When we had made this agreement. I even have a payment arrangement set up for XX/XX/year>.