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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX sent me an email stating that my account was 19 days past due. During that time, I was also dealing with XXXX XXXX preparations. I submitted payment to XXXX on XX/XX/year> which was not honored by my bank due to their inability to contact me because of the XXXX. I have had fraud on my external account and the bank was not sure whether or not to honor the payment. 

However, when I did receive information that the payment had an issue, I went into the system and reinitiated another payment to cover my car payment through XXXX. Instead of initiating the payment, the system had disconnected my account from the payments and did microdeposits instead stating that they would be verified within 2 to 3 days. The microdeposits were initiated on XX/XX/XXXX. I still had three days left before the end of the month to verify the deposits and get my car payment in before the month was over. 

According to XXXX 's email which is attached to this complaint, on XX/XX/XXXX my account was 19 days past due. Even with the payment issues, XXXX received payment on XX/XX/year>, which would've had my account at 29 days past due. 
However, XXXX reported my account over thirty days past due despite its system glitches, the fact that I was supposed to be in a XXXX XXXX  deferment and the fact that it didn't honor the communication or miscommunication about how many days past due I actually was. 

I have had this account with XXXX for 4 years and I have never been over 30 days late in the history of the account. I am requesting that this account be brought current based on the fact that there were system issues. 

Lastly, I was also supposed to be covered for XXXX XXXX  assistance which obviously I was not. XXXX deferred my payments for XXXX and XXXX instead of XXXX as requested.
Product: Student loan

I have student loan with Great Lakes. I have a monthly autopay that has been set up to pay the loan. I 'm currently in school and have loans disbursed, twice when a loan has been disbursed Great Lakes turns off my autopay without my direct authority to do so. This causes an increase in my interest payments over the life of the loan. Great Lakes should not have the authority to shut my autopay off, this only benefits them financially, not the student.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We refinanced our mortgage with Better Mortgage Company, which was previously with XXXX XXXX XXXX. We closed in late XXXX. I have asked Better Mortgage Company to record the release of the XXXX XXXX XXXX loan and record the new Better Mortgage loan for XXXX XXXX months now and they continue to ignore me and tell me that they " submitted '' the forms electronically. When I call my County Recorder, they inform me that they do not have the records. Better Mortgage subsequently sold/ assigned my mortgage to yet another company and none of this activity is recorded. According to public record, my lender is still XXXX XXXX. I am at a loss for what to do. Better Mortgage tries to blame the County, but I am an attorney, and I have had documents recorded for many clients in a matter of weeks at the very latest.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX  and 	XXXX
Product: Credit card

I check my credit report regularly, and I noticed today that in XXXX, 2015, Paypal Credit performed a hard inquiry which I did not authorize. I already have such an account and neither my wife or I applied for another. In contacting them, they only have record of an application for credit with my SS number, which is incorrect.
Product: Debt collection

I have had multiple issues with Wakefield and Associates. They furnished incorrect information to my credit report. Each time I have attempted to reach out to them to gain insight into the debt and also where they got their information from so that I can dispute what is incorrect I have been met with walls. They reported an account to my credit which I have no knowledge of. When they did so they also reported an incorrect address for me that is now indisputable from my credit. When I spoke to multiple agents at the company to try and inquire about the debt I was told that there was skip tracing run on the account they claim is mine ) but they wouldnt provide the name of that agency so that I could request a report and dispute incorrect information. This happened with multiple agents and I do have the calls recorded. For that account in question they also have completely impossible dates and amounts given to XXXX and XXXX which is why I say I have no knowledge of them. Over the course of XXXX I sent multiple letters requesting validation of the debt which they claim to not have received. This is due to them refusing to provide me any place to send mail other than their XXXX XXXX and as such I have no way of certifying how received the requests on my behalf. This is a common stall tactic among unethical unscrupulous debt collectors as is all of their previous refusals of my lawful requests. 
I spoke with them one last time to try and tell them if they didnt adhere to law I would send them a cease and desist as I have no possible way to work with them in an ethical manner, and on that call also recorded the gentleman told me thats ok well just let it sit and continue damaging your credit and report additional accounts well I still tried my best to get the information out of them I needed such as the address of their registered agent to have them served with my suit as well as the names of the agencies they used in conducting a consumer report about me and an address to receive certified mail given the nature of the circumstances. All requests were declined. Then on XXXX they reported a new account to XXXX, XXXX, and XXXX so they made good on their threat due to the requests I was making. On top of that the account has incorrect information as well as personal information I already disputed to the company directly on a recorded call. 
They violated my rights under law many different ways there and there are too many statutes to cover in this space.
Product: Credit card

I bought a washing machine from a website that claimed to be XXXX for {$50.00} back in XX/XX/2024 and received a confirmation email from them and created an account and went back in the site to see the order confirmation. However when I tried to contact them about the delivery of it via phone. The number showed up as a XXXX  on caller ID and it went straight to voicemail so I became suspicious and sent them an email requesting to cancel the order via reply as well as the email listed for customer support and both emails were undeliverable but chime had already processed the payment and they said I could dispute the charge and that's what I have been doing since then but they have denied it twice now and now they are you going to pay them again out of my secured credit builder card. They sent me the email this morning saying it will go into effect on my next statement and I will not be victimized twice by both the people who first scammed me and again by Chime. So please keep this from occuring. I never received the washing machine and I can't prove that it wasn't delivered. How do I prove it wasn't delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to LexisNexis disputing the accuracy of the reporting of a public record. Instead of responding with a result of their investigation, they simply sent a letter talking about an investigation with XXXX, XXXX and XXXX. They are ignoring my demand for an investigation of the facts and reporting of this public record.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, 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 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 that are reported 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 XXXX ( 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 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 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: Student loan

around 14 years ago my ex-wife used my info to cosign for her son a student loan that i had no knowledge of until 3 months ago, when i received a phone call about past due loan payment. I let them know i didnt cosign for that loan. then my credit report took a huge hit due to late payment. after talking to them they said that the borrower had it on forbearance for over 3 years and hasn't made a payment. I knew nothing about this. Now I have to pay for a loan that has a ton of interest added to it because of years being on hold. 
and I knew nothing about until they called me for a past due payment. 
I did make the past due payment after it hit my credit report. even though I did not cosign for this loan and knew nothing about it until 3 months ago. its over {$12000.00}. i explained it all to them over the phone. but they didn't care. now I see there is a lawsuit with Navient. I feal I should be a part of this. since I took over this loan just so it won't crush my credit score more than it already has. I also feal the borrower should not be a part of the lawsuit sense I the cosigner is making the payment because I don't want my credit score effected by this loan that i didnt aprove of to begain with.
Product: Mortgage

I refinanced my mortgage and there are additional cost added to my bill that BSI financial want explain what they are. I was told that my attorney would explain it to me.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices where transactions with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I paid my court debt in full onXX/XX/XXXX, prior to Alliance one garnishing my wages. On XX/XX/XXXX Alliance One issued the garnishment order and deducted wages until XX/XX/XXXX. Total overpayment amount {$790.00} I asked them to refund the overpayment. They did n't. XX/XX/XXXX they said they would transfer the overpayment to another case I am paying on. They still have not transferred the overpayment. Each time I make a payment ( monthly ) I ask them for my balance. They have not resolved the overpayment.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to delete any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 a XXXX money transfer was made from my checking account to a XXXX XXXX for the amount of {$480.00}. On the same day I reported it to my bank that I never authorized this transfer and I dont know who the recipient is. 

Wells Fargo immediately closed all of my online access and closed the checking account. 3 days later I called to see the status and was issued a new checking account number. They told me they would be investigating the transfer. 

On XX/XX/22 I received a letter stating they finished their investigation and the claim has been closed. No reimbursement to my account was made. Follow receiving this letter, I called the claims center and spoke with XXXX from Wells Fargo, he would not give his ID number. After 30 minutes of getting no where, I asked to speak with his manager. I was put on hold for 15minutes. And was told he couldnt transfer me, but would transfer me to resolution dept. After 15minutes of holding, the line discounted. I call a gain, and then spoke with XXXX # XXXX from Wells Fargo. After she reviewed my claim, I was told to submit an incident report or police report. I explained that I have no documentation, except what I have already explained to them. I have no such documentation to prove it was not me who did this online transaction. I have no information to file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is claiming the information they have on file is accurate and has been verified. Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Federal Privacy Act of 1974 - 5 U.S. Code section 552a. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX  BANKRUPTCY I therefore request that you remove immediately this Bankruptcy from my credit report with Experian, or provide me with the exact source where you received such information, so I may take appropriate legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy XXXX filed XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX type Bankruptcy XXXX XXXXdismissed XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy XXXX XXXXdischarged
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TransUnion and XXXX remove my public record XX/XX/2018 and it has showed back up my my credit file as of XXXX sent in letters to them asking them how they verify public record they say through bankruptcy court which is a lie I sent them proof from the court and proof pacer which both states they dont verify anything with XXXX
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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. 


Experian 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

UNITED CREDIT BUREAU IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT AND WHEN ASKED TO PROVIDE PROPER VALIDATION OF THESE ACCOUNTS, MEANING SIGNED CONTRACTS WITH MY SIGNATURE, THEY NEVER SUPPLY THE CORRECT PAPER WORK. THEY ONLY SEND THESE FRAUDULENT INVOICES WHICH ARE NOT VALID PROOF OF A DEBT. FURTHERMORE THEY ARE IN VIOLATION OF 15 US CODE 1681B AND 15 US CODE 1692G AS WELL AS MULTIPLE OTHER VIOLATIONS, WHICH YOU CAN SEE IN THE ATTACHED EXHIBITS! THEY HAVE ALSO SENT ME FRAUDULENT INVOICES THAT DONT EVEN MATCH THE AMOUNT THAT THEY ARE REPORTING TO THE CREDIT BUREAUS! NOW HOW IS THAT POSSIBLE? HOW CAN YOU SEND ME AN INVOICE FOR A TOTALLY DIFFERENT AMOUNT THAN YOURE REPORTING TO THE BUREAUS? I HAVE SENT PROOF OF THAT AS WELL! WHICH WAS JUST THREW TO THE WAY SIDE. HOW IS THAT PROTECTING THE CONSUMER? THEY ARE IN VIOLATION OF MULTIPLE FRAUDULENT AND PREDATORY ACTS! XXXX IS ALSO IN VIOLATION OF 15 US CODE 1681B AND 15 US CODE 1692G!!! AND A LETTER WAS SENT TO THEM AS WELL WITH NO RESOLVE OR PROPER VALIDATION!
Product: Debt collection

Sent Debt Validation letter on XX/XX/2022, XX/XX/2022 Never received A response from Receivable Management Corp. This is the second attempt to get debt validation. Its a total of 7 letters. Amount {$6200.00}, {$2600.00}, {$5700.00}, {$54.00}, {$60.00}, {$36.00}. And made several attempts to call it always says to leave your name and number and they will call you back. Also made several attempts with the Credit Bureaus to also get debt validations and to correct my credit profile because it is incorrect. The credit bureaus stated my account was properly investigated. I didn't receive any verbal or written response. The only thing that was done was updated my credit report was closed the account on my XXXX Credit report as Account information disputed by consumer meets FCRA requirements. But nothing change on my XXXX and XXXX. 
15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A Section states a consumer reporting agency can not furnish a account without my written instruction.
Product: Checking or savings account

I have been a Wells Fargo customer since 2015 and time after time I have been charged for random things and then acquired an overdraft fee when charges werent even made by me. I would report the charges and then they would look into it and then they put overdraft fees on for thing I disputed because it was not me. This has been happening since I opened my account with them. They have reported falsely on my credit and destroyed my credit because of payments bouncing back for low funds when my card was being charged in different states and they refused that it was fraudulent.
Product: Credit card or prepaid card

XXXX XXXX XXXX Booking : XXXX XX/XX/XXXX : I called XXXX XXXX ( tel XXXX XXXX XXXX and spoke to inquire about the refund of a {$100.00} deposit made from a closed Chase Sapphine Visa account ending in # XXXX and was informed that refund transaction was done on XX/XX/XXXX and that I should call Chase to follow up on this refund since the card that was used to make the deposit on XX/XX/XXXX is already closed but per XXXX XXXX XXXX, the refund transaction was successful ( see attached document ). 

XX/XX/XXXX : After not receiving any refund check or notification from Chase, I again called XXXX XXXX XXXX to follow up. As informed on my original call on XX/XX/XXXX, the refund transaction was already done on XX/XX/XXXX and that I should contact Chase to follow up on this refund. 

XX/XX/XXXX : I called chase XXXX. I informed the representative that a refund transaction was done by XXXX XXXX line on XX/XX/XXXX on a credit card account with Chase that has been closed since XX/XX/XXXX. Chase was able to locate my account ending on # XXXX and was told that another account would be created so that a refund check can be mailed to my address of record and that a check should be in the mail in about 6 business days. 

XX/XX/XXXX : I called Chase to follow up on the refund check since it has been over 2 weeks since I last called Chase and still no refund check. I was transferred to 5 people including a supervisor since Chase could no longer find my account and was told that I have no previous account with Chase and that my last previous account with Chase was in XXXX. 

This is very concerning as I had both the Chase Sapphire Preferred and Reserved account with Chase and have used those two credit card accounts for tens of thousands of dollars of transaction from XXXX through XXXX. I was told that I would need to go to a Chase branch to see if my account could be located. 

XX/XX/XXXX : I went to a Chase Branch in XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Driving directions XXXX The branch was also unable to locate my account. I even showed the Banker an image of my credit card that I was able to save in my phone. I was told again that there is no record of this credit card. How can there be no record of this account if I have an actual picture of the credit card. The Banker was also puzzled. 

All I ask is the refund of the {$100.00} deposit that was made on Chase Sapphire credit card ending on # XXXX that was made on XX/XX/XXXX and refunded on XX/XX/XXXX. How could 2 years of transactions with Chase all of the sudden disappear. 

Sincerely, XXXX XXXX XXXX I hereby allow my husband XXXX XXXX ( XXXX ) to be contacted for matters concerning this.