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

I have been rebuilding credit and Working in my credit for the past 3 years trying to clean it up to get a mortgage. Ive tried to work with creditors and tried to work with reporting agencies to the point I just cry and want to physically die. All they can tell me is these old accounts that have been on my account their are no new negative marks and my score continues to yo-yo Ive paid off collections, started new accounts paid them off charged and paid. Ive tried disputing, nothing helps. I recently logged in to my equifax to see a 92 point drop in my score. No explanation, I called spoke with reps and no explanation besides the old accounts that have been charged off accounts that were opened in XX/XX/XXXXand XX/XX/XXXXI truly understand why people commit suicide over their finances. Ive asked what can I do and the response is keep paying wait 7 years. Ive waited 10 for a bankruptcy to come off Ive been continuously working n my credit but theirs no relief and all I want is a mortgage so I can stop paying the sky rocketing rents where I live but Im just a number to everyone Ive spoken too. When did we forget their is a person behind the number. My life has had struggles and my credit reflects so but their is no relief NOTHING.
Product: Credit reporting or other personal consumer reports

All of my student loans with XXXX XXXX have been in deferment for over 6-years. Student loans were deferred nationally in XXXX because of the XXXX XXXX Pandemic. Yet My credit was set as a default as follows : XX/XX/XXXX - 90 Days Late, XX/XX/XXXX - 150 Days Late, XX/XX/XXXX through XX/XX/XXXX - 180 Days Late. My loans are still in deferment, and even though XXXX XXXX corrected the status on all 3 loans, The late payment history has to be removed permanently. I will contact the Department of Education if necessary, but the loan status must delete these late payments permanently.
Product: Credit reporting or other personal consumer reports

Capital One Auto Finance, ACCT # XXXX, is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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.

This collection, by law, MUST be DELETED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit I noticed an account from XXXX XXXX XXXX original creditor is XXXX in the amount of {$1200.00}. I paid this account off in full and closed the account there is no balance owed.I sent letters to XXXX XXXX XXXX asking for proof that this is my account bearing my signature. They sent me letters stating the amount owed but no proof that this was my bill. I then sent Experian, XXXX, and XXXX  letters explaining that this must be a fraudulent account as my XXXX account was closed out and paid off. The credit bureaus sent me copies of my report and said the account was valid, again they did not verify my signature or show me proof of any purchases. This account was closed in good standing and had no balance owed when I closed it out.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XX/XX/XXXX
Product: Checking or savings account

My son was scammed and the scammer somehow gained access to my account. We in no way provided my account information. The fake checks aren't even signed as required by USAA. They took the money for the checks and the amount my son sent back, thinking he was doing a bank verification. The company represented themselves as XXXX XXXX. He is young and didn't know what he was doing. Once I learned of this... I stopped it and notified USAA. USAA says they have 0 % liability ... ..but they are saying my son made the checks. I know this to be untrue ... .he didn't make any checks. USAA is saying they checks were deposited at XXXXXXXX XXXX XXXX XXXX. I found out this is also untrue as that address does not exist. I feel USAA is making this up so they don't have to cover the loss ... USAA has frozen all my accounts and any accounts associated with me. This is totally unacceptable. USAA needs to be held to their policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion in conjunction with XXXX keeps reporting that all info which is never provided to me the consumer is acceptable and accurate. 
As XX/XX/XXXX Transunion opened up the XXXX account which is charged off and is ex husband 's account to make it appear as an active auto loan. XXXX will not make.payment arrangements for specific dates, will not give balance owed which has received XXXX dollars and XXXX dollars in XXXX and XXXX, which is charged off after it was a judgement and paid on, which still has an incredible increasing amount because they will not supply balance, give receipts or bills, or and were not even sure if they could accept money because it was closed but that has not stopped Transunion in conjunction with XXXX from reporting major discrepancies such as loan amount, saying it was open account, and now messing up my payment history by saying a payment is late when indeed there IS NO payment date set in stone and the consumer has no clue balance owed or if it is even supposed to get payments to it because XXXX will not produce info. 
Also in XXXX I got divorced. The ex never showed up or responded to divorce but XXXX accepted his word I had to pay and judge said so. The ex took the car. XXXX refuses to go after ex XXXX XXXX at XXXX XXXX XXXX XXXX pa XXXX unless he calls in because he is pretty much exempt due to a fictious letter. This needs fixed. It is not an open account. It is charged off. It is not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX  XXXX XXXX Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer. 
In this regard, I would like to point out that the late payment accounts reported by XXXX and XXXX XXXXXXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 
Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 
I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I noticed a collection account open on my XXXX report. The collection agency, Credit Management, reported that I owed {$460.00} to a defaulted account with XXXX XXXX. On XX/XX/XXXX, I reached out to Credit Management to inquire about this account that I had no idea about. I spoke with a gentleman by the name of XXXX at XXXX in regard to this account and he was unable to look up any information about this collection account on my XXXX report using all my personal information. At XXXX on XX/XX/XXXX, I called XXXX and spoke with a gentleman by the name of XXXX XXXX I informed him that this collection account was not mine and he directed me to this site. 

Side Note : The information on my XXXX report was very limited, and even when I gave the gentleman from Credit Management my personal information, nothing came up.
Product: Money transfer, virtual currency, or money service

Wells Fargo bank is allowing scam & fraud business to create account impersonating as other businesses. We placed an order with a company XXXX XXXX XXXX XXXX. So they sent us an invoice with wire transfer details. We did our due diligence to verify the company certificate of formation and XXXX XXXX number. And we also checked with Wells Fargo to ensure no individual can impersonate as a business to open a fraud account. Wells Fargo assured us that its not easy to open a XXXX account without proper verification. So then we made a wire payment to this company. Since we didn't receive our goods that we ordered and this company started demanding more money for Shipment insurance we got suspicious. So then we contacted the registered agent of this company. She and her husband confirmed that the company is valid but they do not have account in Wells Fargo and they do not sell these products. So our concern is how can Wells Fargo operations be so lousy to allow people to create a business account even though they are not associated with the business. And this allows this scammer to operate without any issues. This needs to be rectified to prevent more people & businesses from getting scammed. The scam business is impersonating XXXX XXXX XXXX XXXX. They are operating under the website XXXX and have business account in Wells Fargo. These accounts do not belong to real XXXX XXXX XXXX XXXX or its owners.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I purchased a vehicle from merchant XXXX of XXXX XXXX. I have not physically been on the premises since at least XX/XX/XXXX, and only to service the vehicle. On XX/XX/XXXX, a " hard inquiry '' on my credit was placed by this merchant without my authorization. Upon contacting the merchant, who gave me the run-around for 6 months, the best that they can tell me is that this inquiry was placed due to a " computer glitch. '' The merchant stopped taking my phone calls, so I had to physically go to the merchant 's location and angrily compel them into producing for me a letter admitting that I did not apply for credit there or authorize a credit inquiry into my account from that location at the time in question. I submitted the letter from the merchant to Equifax with my dispute of this " hard pull '' on my report. Equifax denied my dispute, and responded that I will need to have the merchant contact them directly. The problem is, the merchant does not care. I literally did nothing, the merchant took adverse actions against my ( with or without intent ), and now Equifax wants me to somehow force this same merchant who hurt me, to call them directly and help me. I explained to Equifax that the merchant has been unhelpful, and that it made no sense that their process allows me no possible way to remove improper inquiries from my credit report without the assistance of the merchant who made the improper inquiry in the first place. This is ... ..wrong. Please help. Please note that in the letter from the XXXX dealership which I've attached, they made a typo, stating " XX/XX/XXXX '' instead of " XX/XX/XXXX '' - the latter being the correct date. There was only one inquiry from this merchant around the time in question, so the mistake is clear. 

I have already issued a complaint to the CFPB. The CFPB only forwarded my complaint to Equifax, who, in their response to my complaint, just copy/pasted their original response to my direct complaint to Equifax. 

So, the CFPB literally did nothing, and Equifax literally did nothing. How is this any form of protection for consumers when two parties, neither of whom I have a relationship, can make changes to my credit report and CHOOSE to not fix inaccuracies without my input whatsoever. This is why Republicans should never be allowed to govern.
Product: Consumer Loan

I got a truck for my cousin on my credit then they were going to transfer to his well the car got repo and they sold it without my consent and they never notify me and its on my credit as a bad debt. They chargeing me more then car was worth. They called my work and they were harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting an unverified late payment on my account.. Please be further advised, I dispute the validity of the late payment in its entirety. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX  Account number - XXXX XXXX Account number - XXXXXXXX XXXX Account number - XXXXXXXX XXXX Account number - XXXX XXXX Account number - XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account XXXX XXXX INQURY : XXXX XXXX Inquiry Date XX/XX/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b-
Product: Consumer Loan

I visited a Costco at the location in XXXX XXXX, Michigan at or around XXXX on Friday, XXXX XXXX. The employee working the credit card station near the entrance made material misrepresentations to me when I applied for the Costco Anywhere Visa Card by Citi. The false statements are as follows : 1. Handing me the terms and conditions of credit card after being told that " I was only applying for a card. '' 2. She handed me terms and conditions for a business credit card, which is a different credit card with different terms and conditions. 

3. I was verbally told that the seven-month, interest-free grace-period would not begin until I used the card. ( Actually, the grace period began to run as of the day I applied. ) 4. I was not informed that my Costco membership would be automatically charged to the card. 

5. I was not given any terms and conditions until after I " applied. '' After reading the terms and conditions, I decided that I did not accept them. We should not have a contract. I do not believe there is one. Still, my credit report will show negative scoring because you issued a credit card in my name without my permission or assent. 

I feel lied to and betrayed. If possible, please remove any discrepancy from my credit report. How will you attempt to rectify this problem?
Product: Mortgage

Our mortgage was sold to GreenTree from XXXX in XXXX, 2013 and from XXXX, 2013 we have had nothing but problems. First they started calling XXXX times daily. When we would return the call and was transferred through several people they talked to both my husband and I like we were ignorant. When our payments are made they are often held. I have something showing on my statement " unapplied funds '' and " Corporate Advance Balance '' and when I inquired about this I was told it was a government charge. We attempted to get a Hamp or Harp modification and was denied for both of those ; however they did modify our mortgage AT THE SAME INTEREST RATE AND EXTENDED FOR 40 YEARS. At this rate we will never get the mortgage paid off. I have misc. charges like Appraisal-inspection fee that I know nothing about. I have also included a breakdown of my payment history and as you will see there are several speedpay charges. If fact even though it shows some paid in cash I have NEVER sent them cash. We were told the only option we had to pay WAS speedpay. I have been in the mortgage/banking division for almost 20 years and I can not make sense of how they are applying any of my payments. I also would like an exact explanation as to why we were denied the HARP modification. My monthly payment including escrows should be {$800.00} but I have never received a statement showing that account. We I call to question anything I can not get a straight answer, am constantly transferred to another person only to be told that I have no idea what I am talking about. I understood the whole modification process was to help struggling homeowners, not treat them like trash. I have reached out all over social media and have not found XXXX person they have modified who is not have issues with them. I would like to make a payment and have it show amount applied to principal, interest and escrow and not all of these other " '' accounts '' they are putting my money in to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Jefferson Capital Systems and was told the account would be removed from my credit report. This collection account has damaged my credit rating, preventing me from obtaining a home loan. I would like this resolved immediately, as this is a FCRA violation.
Product: Credit card or prepaid card

I have a child support card. The card number was stolen and {$3000.00} in multiple charges made out of state were done on the card. I have attempted to call the company to get charges reversed no luck. The company has had me on hold for over a total of 5 hours over the past few days and all I get is put on hold again until it either hangs up or I can't wait anymore. This a Reg E issue and they should be refunding me the money on my card, I need this to support my family. This process should not be this difficult you can find many stories online and the state of NJ is doing nothing to stop this horrible customer service and violations of Reg E.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

Experian has been working on he same problem since XXXX  of this year, they are not working on any issues they say this then 2 months later close the complaint with a XXXX response that doesn't address the issue in the complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

This is me writing this complaint. I know you think regular consumers do not follow or know the law, but you are sadly mistaken. Do not send me anything requiring more information because you have everything you need to verify my identity, my credit file, and you know the inaccurate account that needs to be removed from my account. Do not send or reply back with anything telling me this is not me writing this complaint. 

I currently have an open CFPB complaint with Experian for their disregard to investigate my claim stemming from a letter received before XX/XX/2021. It is now XX/XX/2021, which now makes it OVER 60 days since they have failed to do a reasonable investigation pertaining to an inaccurate account from XXXX  XXXX XXXX in my consumer credit file. 

You have failed to respond in writing to my dispute and have failed to conduct a reasonable investigation in over 60 days. If Experian had done so, they would see this information is inaccurate, in addition to me providing them with knowledgable documentation that they are reporting inaccurate information in regards to a XXXX  XXXX XXXX account on my consumer credit file. 

You are in violation of 15 U.S Code 1681 for inaccurate and unfair reporting methods. You are willfully and knowingly furnishing information you know to be inaccurate according to 15 U.S Code 1681n and 15 U.S Code 1681o. I will seek to receive no less than {$1000.00} per violation in addition to actual and punitive damages for this inaccurate information. 

You have not only failed to remove this inaccurate account from my consumer credit file, you have also appeared to re-age this account. Experian has updated and changed information on this account with no communication with me and they seem to do so as they please as if this is not MY consumer credit file. 

I have also requested a description of the reinvestigation procedure in the past and they have not sent me that information within 15 days according to 15 U.S Code 1681i. 

I have kept every single piece of communication between me, the consumer, and Experian, the credit reporting agency, and will use this information in federal court if I have to.