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

I consistenly monitor my credit reports from all three bureaus, and I am highly frustrated and disappointed with the information that Arvest is reporting to these bureaus.

They main problem is every other month, Arvest says, " we are reporting your information accurately '', then I check with the bureaus ; XXXX  as an example : shows that the account has been closed as of XX/XX/2018 or a month before. They also show no payment history from XX/XX/2018 back to the beginning of this loan.

I have no payment history showing for any years previous to XX/XX/XXXX and XX/XX/2018.

I have a problem with that because Arvest has collected my mortgage payment for years and they onlly show two months mortgage payment of 2018.

The other sad thing is, I have filed several complaints with the CFPB and you all have just stood by idlely and allowed this company to continue to practice these deceitful practices.

They should be held accountable!!! I have no words even for the purpose of filing this complaint. You constantly just forward the complaint and you don't get involved with the process legally. LOOK AT MY INDIVIDUAL CASE AND SEE HOW LONG THEY HAVE VIOLATED MY RIGHTS ( that CFPB is supposedly overseeing ). This is a joke There is clearly a problem with my mortgage company, their third party reporting agencies and the credit bureaus reporting my mortgage information accurately without closing my mortgage account every other month.

Who does that? I make a payment and they close my account when they try to report it????? "?

This has taken a toll on my credit score and report to where I am unable to procure, refinance my loan because the account is " CLOSED WITH NO HISTORY ''.

I am desperately imporing that you take a closer look at my mortgage company, who they have reporting my payments or all 3 of the credit reporting bureaus and their third party reporting entities and how they procure/verify that information.

I NEED INTERVENTION NOW!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit card or prepaid card

Used credit card to pay a shipping company to transport a pallet of boxes from XXXX XXXX to XXXX. One time transaction. The shipping company charged me for this transaction. However, 45 days later, they charged me the same amount again, for the same transaction and without my authorization.

I disputed the second fraudulent charge with Barclays card immediately after realizing this transaction on my account, but did not receive any favorable resolution. Only a letter stating they could not do anything.

I want to file a complaint against Barclay card for misleading customers about fraudulent charge protection when using their card. It is know that banks provide purchase protection, price protection and extended warranties insurance to customers without any additional charges.However in my case, they did not process a claim - even after supplying them with appropriate documentation and proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to EXPERIAN and to XXXX XXXXXX/XX/XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several written disputes with the credit agency notifying them of  XXXX   XXXX   XXXX  attempts to report fraudulent information.  XXXX   XXXX   XXXX  is stating that I owe  XXXX   XXXX  Bank {$670.00}. This information is false. I have never had a account with  XXXX   XXXX   XXXX   XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and  XXXX   XXXX   XXXX  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  XXXX   XXXX   XXXX   to colle  ct  the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following sectio n 16 o f the FCRA -Documented proof showing  payments  were made by me on this line of credit -Documented proof showing the dates within the credit file are correct  XXXX   XXXX   XXXX  has falsified their  reporting and the c redit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus have significantly lowered my score, raised the score and then lowered my score again with 30 days. There is nothing anyone can do in that time period that would reduce an individual 's score that significantly. I have paid all bills on time for more than XXXX XXXX. I have a mix of XXXX and my history is as it should be. 

The bureaus response is to send me a credit report in the mail. I know what my is on my credit report. I need all three bureaus to raise my score!
Product: Debt collection

They have changed the amount to this alleged account two to three times per monthThey keep changing the amount from {$450.00} to {$450.00} which is illegal. Ive never made any payments on This accounts on XX/XX/XXXX I sent a letter to this company asking for them to validate the account, but they have yet to so. As per FCRA, if XXXX debt collector does not verify the account ; it must be removed. At this point Im going to have to file a complaint with the FTC and small claims court. This is illegal and they have yet to prove that they can collect in this debt. On XX/XX/XXXX they removed the account from my report and added it back to flag it as a new account
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. 

List of Unauthorized Inquiries : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt held by XXXX XXXX XXXX bought from XXXX XXXX  with all three credit reporting agencies. I'm assuming that XXXX XXXX XXXX didn't supply proper proof of validation/verification or didn't report the information in the requisite 30 days. I say this because XXXX removed the information from my credit report as of today. XXXX  and Trans Union didn't follow suit and are still reporting the debt on my credit reports.
Product: Mortgage

Caliber Loan Number : XXXX On XX/XX/2020, I spoke with a loan agent by the name of XXXX XXXX about refinancing options and interest rates only. He asked if I wanted to submit a loan application and I explicitly told him, " No ''. I filed a complaint with Caliber Homes and no excuse or reason was provided for his unethical actions. Their response was, " Since you decided not to move forward with the loan refinance process, the Loan Consultant was required to withdraw your application in our system. " ( Direct quote ). As if this solves the problem. The issue is, I told him not to submit a loan application in the first place from the beginning. The call was recorded on their end. Caliber is saying that a loan number was required to be opened as part of their inquiry, so that the Loan Consultant could gather my information and be able to provide me the most accurate information available in regards to my refinance options. Even if this were the case, I should have been told that upfront and then why did he even ask if I wanted to move forward with submitting a loan application if this is normal/routine practice. I have spoken with plenty of other refinance companies and they were able to provide me with information that I requested without submitting an actual loan application. I believe that they are just trying to " beef '' up their numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may consern : This is my second written request for your company to remove items showing on my credit report and you keep ignoring my request to block such information, onder FCRA your company has to provide verifiable proof of this item or remove them from my credit, There is a public record that do not belong to my, it should be remove as well as any account link to it .As victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great  damage to my ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint. 
This complaint may serve as a proof in a court of law, as a written request to remove this items.
Product: Debt collection

I have requested that well fargo mortgage stop calling me work, company refused to stop the calls. If, my mortgage payment is not received by XX/XX/XXXX, well fargo mortgage starts calling me at work, reminding me of the payment or when can they except the payment. Sometimes calls are recorded message, mostly a live person.
Product: Checking or savings account

This is about Wells Fargo Bank. 

I opened a New Saving account and the first interest paid is NOT correct. I contacted the bank over 5 times and spent OVER 6 hours starting with regular support then sent to the Executive Office to correct this problem and credit me the additional interest. Not one person knows how to calculate interest manually or actually say how many days interest I was owed. I am an XXXX-XXXX and was the head of different departments so I know how to calculate interest on accounts ( DRF ). Time after time I tried to explain the process but no one, not even the Executive Office, would listen. They wouldn't even let me know what they was entering into their computer to even check the calculations. They kept putting me on hold and supposedly asking someone else for help. They even put me on hold and NEVER came back to the phone even though I asked them to call me back of we got disconnected. I always asked if my call was being recorded because I wanted a record of ALL of my calls. The always said yes. One Executive Office person even said interest does NOT start earning until the next day. Now that is DEFINITELY WRONG. The last person I talked to in the Executive Office said I was NOT getting the additional interest because they paid me the correct amount. I asked her how they calculated it and she would NOT explain it to me because she didn't even know how since it was all computerized. I even XXXX and did XXXX XXXX of new products when I was a XXXX  to be sure EVER aspect was correct. Wells Fargo has to be doing this to EVER NEW account with new money and that has to be MILLIONS of dollars in interest NOT being paid to new customer depositing NEW MONEY and maybe existing funds. My few dollars is owed to me but my concerns is that thousands of customer are, I am sure, being shorted interest.
Product: Debt collection

Please read attached documents of the letter I attempted to send to the agency contacting me. The fax number provided was fake. The company trying to collect the debt did not advice the standard " this is an attempt to collect a debt '', in addition, harassed me and refused to provide me business name, address and fax number to send bankruptcy papers to. They also told me that I could not bankrupt the debt. I was repeatedly told I was being sued and could have the address and fax number for my attorney when I received my court papers. They had a woman contact me to tell me she is a process server planning to serve me court papers. I called the following day and they gave me the business name of XXXX XXXX and a false fax number. I have no statements or documents from this company and can not find the company on the internet to reach out to any other person in that agency or to locate an address/fax number. The telephone number I have is XXXX and an incorrect fax number of XXXX. The XXXX people I have spoken to is XXXX XXXX and XXXX XXXX. The process server who called me was XXXX XXXX. Case number is XXXX under the account name of XXXX XXXX. They claim they were collecting a debt from Huntington Bank from 2010 in the amount of XXXX for overdraft fees. I advised that I filed a no asset chapter XXXX.
Product: Student loan

XXXX XXXX  XXXX Amount owe XXXX XXXX passed the law for the discharge for loans.
Product: Credit reporting or other personal consumer reports

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


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

1. I am not being responded to, by Navient XXXX. Attached. 
2. In XXXX I had an account that was reported 90 days late 3. I reported this to Navient in XXXX and thought it was removed, over the phone 4. In XXXX I thought this was removed due to misleading information at the time being sent to me and being told to me by Navient representatives. 
5. It wasn't until XXXX, I saw the 90 day late items reappeared on my account and effected my credit report, I assumed reinsertion. 
6. I have been contacting Navient from XXXX to XXXX to have the 90 day late removed, due to negative handling of my account and I have constantly been giving the run around 7. Navient has NOT investigated any of my claims, because I continue to request proof but none has been sent to me form Navient. Even after I have sent my proof to them.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost concern and dissatisfaction regarding the handling of the many attempts to remove fraudulent items. It is imperative to address this matter promptly and comprehensively to uphold the integrity and fairness of the process. 

The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the effectiveness of the measures in place to prevent such occurrences. 

Therefore, I urge you to conduct a thorough review of the many attempts to remove fraudulent items and identify the shortcomings that contributed to its failure. It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX {$5300.00} ; XXXX XXXX {$10000.00} ; XXXX XXXX {$3700.00} ; XXXX XX/XX/2023.
Product: Credit card or prepaid card

I XXXX XXXX entered into a consumer credit transaction with Care Credit. A letter was sent to the credit bureau 's informing them that they don't have My permission to report on my consumer credit report. Care Credit closed my account with no formal letter explaining why.This violates my right as a consumer and is an unfair practice pursuant to 15 usc 1692f. This is all so an adverse act pursuant to 15 usc 1681m-Adverse Action and they are in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. This has negatively impacted my credit score.
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 XXXX XXXX XXXX. XXXX XXXX ( Sub # XXXX ) XXXX XXXX XXXX IN. CO ( Sub # XXXX - YC ) XXXX XXXX ( Sub # XXXX ) has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

i am not reliable for this account and they are hurting me credit profile, can u please delete from my credit profile
Product: Credit reporting or other personal consumer reports

After viewing my credit report XXXX XXXX ran my credit 6 times with XXXX, XXXX and XXXX, I need sign documentation that i gave them permission to run y credit, the XXXX fraudulent and needs to be deleted off of all of my credit reports.
Product: Debt collection

account information : XXXX/COMENITY/ALPHAEON account # : XXXX XXXX amount : {$3300.00} charged OFF BY COMPANY WITH NO DOCUMENTS : UNKNOWN disputed by me XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> I XXXX XXXX have all documents sent to me about debt, and requested to have it taken off of my credit reports, and reported it as fraud XXXX of XXXX. I went to make police report and submitted all documentations to identitytheft.gov, the account now shows its closed however it has not been removed from my credit.
Product: Credit card

I have a couple of credit cards with commenity bank. Unfortunately, I have not been able to make my payments due to disability and I made sure to call them and let them know on XX/XX/year>. They have not stopped calling me. I have phone records of them calling my phone at least four times a day. I cant even try to pay them back when my phone rings nonstop. I just started to get my credit back and now its going under again.
Product: Debt collection

I have a Fraudulent Old Navy account on my credit bureues I have called Sychrony Bank the holder of this account and spoke with there XXXX department, I was told they have closed the application and will send notice to the bureaus for deletion of the trade line, However I later discovered that they did not send over any information to the credit bureau, and the bureaus are reporting me as late and derogatory, Because of this I have lost over a XXXX points from my XXXX scores, I also reported this fraudulent activity to the local police, XXXX, XXXX district attorney, and FTC. I want this fraudulent account removed from my credit profile effective immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT A DUPLICATE COMPLAINT XXXX  XXXX XXXX   has already conceded that for three years they were damaging the credit of my wife and I even though I had notified them of their mistake on multiple occasions. 

They only and finally took action on my account as it relates to the first of four errors I pointed out in my last complaint ; that they can not legally seek two forms of recovery for a single financial harm. To date, they have not even updated their credit reporting to adjust their mistake. This admission of violation of FCRA law carries a {$1000.00} statutory penalty. 

In electing the financial penalty based on a failure to provide sixty days notice amounting to roughly {$1600.00}, the total amount they now claim we owe is still three times their actual financial damages. I believe XXXX XXXX re-rented my unit on XXXX, which would make their actual damages roughly {$640.00}. Seeking to collect financial recovery in a contract in excess of actual damages is recognized as a " penalty in contracting '' and is barred by federal law, as I referenced in my previous complaint. 

Included in the charges are roughly {$300.00} for alleged physical damages to the property including cleaning and painting the unit. Under Colorado law, the burden of proof for keeping a security deposit against actual damages lies with the landlord, but XXXX XXXX has provided no evidence of any damages. As such, my security deposit was improperly withheld and though I have lost my chance at treble recovery under statute, I am still owed that {$250.00} by law. 

The {$500.00} liquidated damages charge is the only legitimate portion of this debt and I have ALWAYS been willing to pay this amount, but XXXX XXXX and their collections agent Nation Credit Systems, INC have insisted on collecting only the inflated false amount. 

In a Colorado Court of Law I am legally entitled to {$750.00} from XXXX  XXXX XXXX for furnishing an pursuing a false debt, and improperly withholding my security deposit, against the {$500.00} I rightfully owe them. Their admittance of fault in my last complaint and lack of proof of damages shall serve as my evidence.