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

I ahave asked the bureau to removed inaccurate information from my credit report that includes personal information, accounts and collections. I have asked bureau to produce original contract with signature stating that I guaranteed to pay debt or collection and they have not provided that to me. 

XXXX XXXX  : {$25.00} ( fraudulent, not mine ) - XXXX : {$9800.00} ( fraudulent, not mine ) XXXX XXXX XXXX  {$6600.00} ( Fraudulent ) - XXXX XXXX {$9800.00} ( Fraudulent ) XXXX XXXX  : {$930.00} ( Fraudulent ) - XXXX XXXX XXXX {$10000.00} ( Fraudulent ) All inquiries are not attached to no account, please delete. 

Personal information is inaccurate, old addresses need to be deleted b/c of attachment to identity theft/fraud
Product: Debt collection

I am disputing the validity of this debt collection that has appeared. The account in question is related to Eastern Account System for the amount of {$1000.00}. 

To the best of my knowledge, I have never received a bill or validation of this debt from the creditor who is unknown as it is not displayed on the Credit report or the collection agency. I have no known proof of this debt and therefore, I request that this debt is deleted from all 3 credit 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.

Eastern Account System : 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: Checking or savings account

On XX/XX/XXXX, my check from XXXX # XXXX was written to pay our XXXX XXXX XXXX XXXX account for {$3000.00}. This check we believe was fraudulently cashed at Wells Fargo bank. 

On XX/XX/XXXX a second check ( for {$4000.00} ) was written for my husbands XXXXXXXX XXXX XXXX XXXXXXXX # XXXX. This check was also then cashed at Wells Fargo Bank. 

When we were subsequently notified by XXXX XXXX XXXXXXXX the both of our Visa statements were due, I then verified my checking account and noticed the checks had been cashed and endorsed on the back, but they weren't deducted from our XXXX XXXX XXXXXXXX XXXX accounts. 

I went to our local XXXX branch on XX/XX/XXXX and spoke with XXXX XXXX and Branch Manager XXXX XXXX. I was told that the checks were unaltered, but cashed at a Wells Fargo Bank instead of going to the correct bank XXXX XXXX XXXX XXXX. ) I was told to fill out a form the Declaration of Unauthorized Endorsement or Altered Item and take it to XXXX XXXX XXXX to confirm that I had NOT received a form of payment. I have documentation and the assistant manager XXXX XXXX signed. XXXX XXXX XXXX the branch manager of XXXX verbally confirmed I would receive my funds by 30 days, after an internal investigation. I waited 45 days and called claims 3 times and was told it could take up to 90 days for a resolution. Approximately XX/XX/XXXX, my husband ( XXXX XXXX XXXX and myself went back to speak to our branch manager XXXX XXXX. She remembered our case # XXXX and called the claims department once again on our behalf. She then informed us that it was XXXX 's policy now that they were not liable, and we must get our money from Wells Fargo. to We told her this was unacceptable and she then said she send this to another department within XXXX to research the discrepancy. The specialist by the name of XXXX would be handling our case. I tried contacting XXXX twice and finally she returned my call to tell me the case was still active, but Wells Fargo has not responded to XXXX 's inquires. i Today, we again contacted Wells Fargo fraud department and informed them our suspicion that they have a teller who is cashing checks meant for other banks. I was informed, since we don't have an account at Wells Fargo, they couldn't help us. 

XXXX has told us that they tried several times to contact Wells Fargo and there hasn't been any response. 

Our contention is that Wells Fargo fraudulently cashed our XXXX checks totaling {$7000.00}, and neither Wells Fargo or XXXX will help resolve this fraud. Wells Fargo cashed the check that clearly was falsely endorsed on the back, and unaltered on the front. XXXX released money that was not appropriate or confirmed valid. 

We feel that Wellsfargo is assisting, pursuing, or investigating this obvious fraudulent check cashing at their bank, and helping us recover our {$7000.00}.
Product: Credit reporting or other personal consumer reports

RE : 15 U.S. Code 1666b - Timing of payments To Whom it may concern..

It is of utmost importance for the creditor to comply with each parameter established by the Fair Credit Act ( FCRA ) as mandated by law. As a consumer, I am exercising my rights to have truly accurate and verified credit.

In according to law 15 U.S. Code 1666 ( a ) ( b ) ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

That said, I hold these creditors accountable under the Fair Credit Act. 15 U.S. Code 1666 ( b ) ( a ) Creditors : XXXX XXXX XXXX Account Number : XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX Account XXXX XXXX XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please provide me with written proofs of the letters they sent me 21 days before the date on which the late payments were reported on each of the accounts mentioned above. It is your obligation to send me these copies because this is what the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666 ( b ) ( a ) stipulates. 

It is the obligation of creditors to provide me with written evidence.If the creditors can not provide me with proof of the written letters sent 21 days prior to the date on which the late payments were reported within a 30-day period, Include also, all the information required by Section 1637 ( 6 ) of Title 15. it is evident that they have violated the parameters established by the Fair Credit Reporting Act 15 U.S. Code 1666 ( b ) and I demand that the late payments be updated to positive or ND ( No data for this period ), otherwise I demand the immediate deletion of said accounts.
Product: Money transfer, virtual currency, or money service

Back in 2020 I was receiving my unemplyment on cashapp when my cashapp was hacked and they said there was nothing they could do about it for like XXXX weeks in a row I dealt with this. Cashapp said there was nothing they could do about it. Because of this i ended up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. my username at the time was XXXX or XXXX I know the phone number I had at the time was XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experians inaction violates Federal law and my rights as a consumer. 

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

This complaint is for potential selling of our information done by one or more of the credit bureaus via a credit check done with a mortgage application. 

On the morning of XX/XX/2022, I submitted an application for a home mortgage loan in Washington state with XXXX XXXX XXXX. My wife was a co-borrower on the mortgage. The process required a credit check with at least 1 of the 3 credit bureaus, because we received our credit score from all 3 bureaus as part of the mortgage process. In the prior 6 months, my wife and I had not applied for any other loan. 

Since applying for the loan, my wife and I have been receiving 7-10 phone calls and texts per day on weekdays from unknown numbers. My wife and started receiving the calls and texts by the afternoon of the XX/XX/XXXX. The texts that we received were from lenders asking if we were interested in a new mortgage. I answered some of the early calls and the ones that did have a live person on the other end of the line were also from mortgage lenders. The large majority of the calls, according to my phones caller ID, are from a Washington state area codes. My wife and I will sometimes get the calls sequentially ( I receive a call, and then my wife receives a call a minute later from the same phone number ). 

We spoke with our mortgage lender about the calls. He indicated that they are not allowed by law to release information related to the mortgage. It also does not make sense if our lender provided our information to other lenders because the calls and texts are related to applying for a competing new mortgage. 

We believe that the credit check with at least 1 of the credit bureaus for our mortgage is the reason why we have been receiving so many calls. We believe that all of these organizations that have been contacting us somehow obtained the information from 1 or more of the credit bureaus. Our mortgage lender mentioned that credit bureaus had sold information about credit inquiries to other organizations in the past, and could potentially be doing so now with the recent downturn in mortgage applications. 

We do not know which credit bureau ( s ) may have provided our information to these organizations because we received a credit score for all 3 major bureaus as part of our loan application.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue as I see it with all reporting agencies is as follows. 
Once discharged in a bankruptcy XXXX XXXX why are banks and institutions still allowed to keep old late payments and derogatory credit information on my report for XXXX years. Ive already faced the ultimate price and embarrassment of not being able to fulfill my financial obligations and losing everything. As Im sure so many others have faced. 
The complaint is if we have on our reports a Public Record of bankruptcy for all to see for XXXX which also gives us a chance to start again, by clearing a path to make that start. Also legally having no further obligation to the institutions. Why do reporting agencies or the Govt agencies allow the reporting agencies in conjunction with the institutions still show what has been discharged. 
New credit establishments can see the bankruptcy big and bold so they will either work or not with us which is at there discretion and fully understandable. 
So why allow the so-called discharged past of late payment or settled reporting be there after bankruptcy hurting us while Re-establishing doesnt the bankruptcy say it all? 
I realize this is a long statement but need a to be addressed for all not just myself. 

Thank you for your help and time in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report Transunion File Number : XXXX XXXX  Report Number : XXXX XXXX Report Confirmation Number XXXX ACCOUNT NAME : XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX I recently found i was involved in the XXXX Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed I have these accounts called and disputed with XXXX XXXX & TransUnion and this problem never got solve now i'm reaching out to you guys for help!! these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Product: Checking or savings account

I signed up for a US Bank XXXX XXXX account on XX/XX/2023. I used a link to an offer that I received a targeted promotion for. The offer advertised a {$500.00} sign-up bonus after completing eligible transactions by August. I successfully opened the account and completed all relevant transactions, and gave it more than a month past when the advertised offer said the bonus would post, but I still have not received a bonus. When I called to inquire, the representative said there was no record of the offer being on my account. I will be forced to close the account if US Bank fails to honor the advertised offer.
Product: Debt collection

In 2008 XXXX XXXX credit card forewarded a debt balance of {$110000.00} to NCO Collections Agency, l was out of work with no way to pay this debt, that accrued from XXXX XXXX credit card company. As NCO perused collections attempts from me, they decided to forward my account to their sister law firms. As NCO Collection persue to collect this debt, the debt increased with time. For each law office they sent the debt to. 
Fees, late charges, mail handling, and any other fee they could claimthe debt to this card added up. NCO also decided to garnish my wages while l had no job, and was unable to find work? The fees kept being added, until they thought to send garnishments to more than ( XXXX ) XXXX banks throughout the entire state of Oregon. I received return receipts for each and every letter they sent. The action they took rattled my nerves, how am l suppose to work to pay them the debt now it 's adding up to amounts unknow. Each time they sent me a letter l would respond. If you check with the XXXX XXXX courts you will see how many garnishments they sent against me In their letters it said l owed the balance at the present time with accruing interest rate of 9 % annual, with no end in sight to explain or allow me to ask questions. Like where are the payments l made before NCO Collection Agency stepped in? Being unable to find work l decided to forgo trying to work this debt out, due an increase every year onto the debt of 9 %. Once attorney General XXXX created these consumer protection laws for us l 'd be crazy or sick with stress wor ring how to pay this off so it became hopeless for me and I gave up and let XXXX step in, so here l am in this complaint from at this time.
Product: Credit reporting or other personal consumer reports

I was notified by XXXX XXXX that my credit score dropped, so I contacted Experian, the only credit bureau to be reporting the drop. They required me to create an account to file the dispute, so I created a free account. Today ( XXXX ) I saw a pending charge on my credit card from Experian for {$27.00}. I contacted Experian and when I asked why I was charged this, they said when I filed my dispute I was automatically enrolled in a free trial and then today ( XXXX ) my membership started and was billed. I asked to revoke the charge and to cancel my membership. The representative for Experian said they could not cancel or refund the charge. I explained I was not made aware of the free trial or that I would be charged for a membership. They said that didn't matter, I was enrolled when I filed my dispute. They did cancel my membership on request. I then talked with my credit card company and they can not do anything until the charge is posted, but they made a note for the pending dispute. 

This is the number I called : XXXX. I asked Experian for a call back number to member services at Experian and they gave me this number XXXX. 

I also do not recall providing my credit card number to Experian.
Product: Mortgage

XXXX XXXX XXXX, HUD Housing Specialist, tel # XXXX, ticket # XXXX informed us this morning that this Borrower does not qualify for the FHA Preforeclosure Sales Program due to the delinquency of over 43 months. She stated that this was a Bank of America error. She stated that it was up to the lender whether or not they would accept or reject a pending offer. 

No one from Bank of America has ever advised or disclosed this information to us or the Borrower. In fact, the information that was given us was that it was HUD that would not allow the postponement of the scheduled Trustee Sale scheduled on XXXX XXXX. No one from Bank of America has offered any " other '' Short Sale programs that the Borrower may qualify for. Compounding the problem is that we have 2 appraisals with a significant difference in value. 

Due to this oversight, we request that the sale be postponed. We are submitting a new all cash offer for {$250000.00} today. We request that this offer be considered for a HAFA short sale or any other alternative short sale. But, we need time to properly prepare the Closing Documents based on whatever program the Borrower qualifies for. 
Any consideration less than this would not be in good faith due to the discovery of this oversight. Please escalate this to the highest level. Thank you!
Product: Credit reporting or other personal consumer reports

I've reached out several times to the following companies individually with no result. 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 an account without my written instructions. I've never given written instructions to any of these companies simply because these accounts do not belong to me. 

I've requested this from the following : XXXX. 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
Product: Credit card or prepaid card

This concerns my PayPal Credit Account XXXX Synchrony Bank ). I request each month that a portion of my payment be allocated to retire Promotional, Special Financing Purchases. I usually complete this easily via PayPal Credit 's chat function. This month ( XX/XX/2023 ), I chatted on XX/XX/XXXX with instructions regarding how to apply the payment, as I have done for months. I always review this chat call within 2 days of completion to confirm correct allocation of my payment to the corrrect Promotional Purchases. On XX/XX/XXXX I engaged in a new chat on the PayPal Credit site b/c my payment instructions from the XX/XX/XXXX chat were not followed correctly. In the XX/XX/XXXX chat I pointed out the error and the agent stated it would be corrected pursuant to my instructions. In each chat session, I finish with a recap to confirm the instructions are followed. The agent confirmed understanding of my instructions on XX/XX/XXXX. On or around XX/XX/XXXX or XXXX, I confirmed that the payment had been misallocated again. I called PayPal Credit directly at this juncture to correct the errors again. After reviewing my account online on XX/XX/XXXX, I confirmed that the misallocation still existed and further, PayPal Credit actually increased the balance of one of my Promotional Purchases by {$100.00} in its error-filled misallocation of my payment. On XX/XX/XXXX I called again to address the issue. The manager I spoke with stated he could not correct the current allocation ( b/c we had passed into a new billing cycle ) and would put in a request to " review. '' This situation will now cause me to incur over {$120.00} of deferred and accrued interest on the Promotional Purchase that expires in XX/XX/2023. This is a constant problem with PayPal Credit ( Synchrony Bank ) and is now causing me direct financial harm. Due to antiquated legacy systems, Synchrony is not able to correct my account for XXXX to 60 days, and provided no assurances I would not incur the deferred/accrued interest charges, due directly to their errors. No admission of the errors or misallocation were offered and no apology. I am asserting direct financial harm in the range of hundreds of dollars as a result.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear, XXXX I hope this letter finds you well. I XXXX XXXX, am writing to request form 1099 -c for the cancellation of debt related to my account, which has been charged-off. Alternatively, if this was reported in error I kindly request its removed from my credit report. 
Your prompt attention to this matter is greatly appreciated. 
Thank you for your assistance Sincerely, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX