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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance {$9100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XXXX XXXX, XXXX
Product: Checking or savings account

I was scammed. I sent money via XXXX to purchase furniture. The furniture was never received. The person took the money and blocked me. I really would like to get my money back. It has been over a month at this point and Experian XXXX XXXX has not been of any assistance. I am greatly disappointed in the service I have been receiving. Please review.
Product: Credit card

Synchrony Bank opened a credit card account in my name without my knowledge or permission. Then sent me a credit card through the mail to my residence.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX  XXXX XXXX TX XXXX XXXX  XXXX. XXXX  XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Exeter Finance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX credit report due to inaccuracies. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with Exeter Finance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I was on the beach surfing and my car was broken into. My wallet and phone were stolen. I was able to get home and see that the thieves were racking up charges to my 2 Wells Fargo debit cards and XXXX XXXXXXXX XXXX XXXX. I called both companies and blocked the cards right away. 

XXXXXXXX XXXX XXXX had $ XXXX charged on it at XXXX XXXX but XXXX returned the money to be within 2 days after their investigation. 

My two Wells Fargo cards had {$14000.00} and {$9100.00} charged to it at two different XXXX. I explained everything to Wells Fargo and provided them with two different police report numbers. I made one about the theft to XXXX and then I made another one with my local XXXX XXXX XXXX PD regarding the actual charges to the cards ( Identity Theft ). 

Wells Fargo for over three weeks has been giving the run around. They take 10 days after every time I call to come back with the result that it was " authorized purchases ''. The thieves had my phone and wallet with ID. It was not me and definitely not authorized by me. Wells Fargo provide me with no information why they are declining me. I tried calling so many times. They told me I have to provide them with more information if they want the case to be reconsidered. All I can give them is my police reports. One operator even told me I need to contact XXXX and get video evidence. I tried and obviously the store would not provide me with that information without a court order. 


I have been with the bank since XXXX. I have three accounts with the bank including XXXX XXXX. I have a high paying job and even use the bank to buy Treasury Bills. I have never used those cards for purchases in the past. It just makes no sense for me to defraud the bank for some reason. Wells Fargo would not connect with with anyone who can give me answers. I wrote emails but I get nothing. I called every day. They just say " You can appeal again '' and it just starts the process of rejection again. 

I attached XXXX police report for stolen items. The XXXX XXXX XXXX, CA PD report number is XXXX
Product: Credit card

To whom it may concern This letter is a complaint for a charge that I received from Macys on my Macys charge account that did not belong to me. There were items that I did not order and the items were never delivered to my address. The cost totaled {$82.00}. I attempted to dispute the charge with Macys security department and the outcome was not resolved appropriately. I would like a full investigation regarding where these items were delivered to. The carrier that delivered these items should have a record. I did not order these items and these items were not delivered to my address. The items went elsewhere or possibly an error, either way this must be investigated. Macys requested that I pay for the charge or face being placed in the credit bureaus negatively and I still paid for the items, even though I never ordered them and never received them. I would like a proper and thorough investigation and I would like what I paid to be fully refunded to me. I have been a Macys customer for many years with an excellent record of payment history and I hope that this matter can be resolved accurately. 

Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX5 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Product: Credit reporting or other personal consumer reports

am writing to dispute the reporting on my credit file regarding a closed charged-off account associated with Loan Account It has come to my attention that there are inaccuracies in the information being reported, which is in direct violation of established credit reporting regulations.

The discrepancies are as follows : 1. Reporting a Closed Charged-Off Account as Past Due : The account is inaccurately listed as past due, even though it has been closed and charged off. This misrepresentation is negatively impacting my credit profile and is not reflective of the accounts current status.

2. Discrepancies in Balances : The written-off amount is documented as {$3900.00}, whereas the reported past due amount stands at {$7800.00}. This inconsistency raises concerns about the accuracy of the information provided and is in violation of credit reporting standards. 

These discrepancies are affecting my creditworthiness and financial standing. I kindly request that you promptly investigate and rectify these inaccuracies to bring the reporting in line with the actual status of the account. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. Failure to address and correct these discrepancies within the required timeframe may compel me to take legal action to protect my rights.

I appreciate your prompt attention to this matter and request that you provide written confirmation of the resolution and the updated information submitted to the credit bureaus. 

Thank you for your cooperation in resolving this matter promptly.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with the account listed under Lewis McDonnell and Associates and validation was requested as this is an account that I did not recognize. The credit even threatened to sue me. I reviewed my credit report again on XX/XX/XXXX and the account continues to be reflected on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. After reviewing again on XX/XX/XXXX there have been no updates and the account is still reflecting on my report. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account not authorization to attempt to collect in the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to the credit reporting agencies continued failure to correct inaccurate information and their deliberate stalling tactics in resolving my disputes regarding an account from XXXX XXXX ( Account # XXXX ). Despite multiple disputes submitted to XXXX, XXXX, and TransUnion, this account remains inaccurately reported and inconsistent across all three credit reporting agencies. TransUnion reports the account as XXXX XXXX - XXXX XXXX and settled for less than the full balance, with a last reported date of XX/XX/XXXX. XXXX reports the account as Paid and legally settled for less than the full balance, with a last reported date of XX/XX/XXXX. XXXX continues to report the account as XXXX XXXX but has updated it as of XX/XX/XXXX, despite the account being settled years earlier. These conflicting reports violate my rights under the Fair Credit Reporting Act ( FCRA ) and demonstrate the credit reporting agencies failure to maintain maximum accuracy as required by 15 U.S.C. 1681e ( b ). I have repeatedly disputed this account with all three credit reporting agencies. Instead of resolving the errors, they have delayed their responses, ignored my disputes, or improperly verified inaccurate information without conducting a proper investigation. This behavior is a clear violation of 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed information within 30 days. Additionally, I have requested a Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 2 ) ( B ), yet the credit reporting agencies have failed to provide an adequate response. Their failure to disclose their verification process further suggests that this account can not be properly verified and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have contacted XXXX in reference to a collection from JH Portfolio collection account reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. The original creditor deleted the account from my report. However, now JH Portfolio is now reporting. How is this legal to report inaccurate information when the original creditor deleted the incorrect information? On my police report I have even listed JH Portfolio as they are the company that is showing on my credit report. I have contacted JH Portfolio on several occasions as well to validate this debt was mine. I have received nothing from JH Portfolio except excessive harassing phone calls on a daily basis to my cellular phone. XXXX keeps stating that this debt has been verified however, I am unsure how this could be when XXXX has incorrect information listed in my credit file for my date of birth. JH Portfolio has also aged the account on my credit file for a date prior than when it originally appeared on my credit file. The JH Portfolio collection account is NOT my account and I request that it be deleted from my credit file.
Product: Debt collection

On XXXX XXXX, 2017 I made a payment to Navient for XXXX. I received a payment notification that all was fine, and that my first payment was successful. I then receive a letter 4 days ago saying that my payment was overdue. I just checked my account and they reversed my payment without notifying me, when there were ample funds to cover the payment. Worst of all, this was reported to the credit bureau and it absolutely tanked my credit.
Product: Debt collection

To be clear, in no way have I initiated or authorized these accounts. Without my knowledge or agreement, these accounts were opened fraudulently. In order to resolve this matter, I have taken the required actions to notify the appropriate authorities of the alleged identity theft, including submitting a report to the Federal Trade Commission and the [ Name of Local Law Enforcement Agency ]. For your information, I've also included a copy of the Identity Theft Report that was submitted to the FTC. 

Since these accounts are not the result of any transactions or credit applications I have made, I respectfully ask that you look into the authenticity of these accounts and take the necessary steps to have them removed from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX I humbly request that you acknowledge your commitment to looking into these accounts and send me a thorough written response as soon as you can. Please remember to include the following in your response Verification that you've started looking into these accounts copies of all supporting documentation and material pertaining to these accounts, including the application a signed declaration attesting to the fact that these accounts will be deleted from my credit record after your investigation is finished.

I recognize that this is a significant issue, and I implore you to take immediate action to make things right. I may have to take additional legal action to defend my rights and creditworthiness if I don't participate in getting this situation resolved.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize I ha contacted all XXXX CRAs, and they refuse to dispute or investigate the inquiries Attached an XXXX report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profileXXXX 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 USC 1681b ( c ) Furnishing reports in connection with credit or insurer that are not initiated by consumer ( 3 ) Information regarding inquiries Exc in section 15 USC 1681q ( a ) ( 5 ) of this title a consumer reporting agency s to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Debt collection

A debt collector from XXXX XXXX XXXX XXXX XXXX calls multiple times a day for the past month stating they want collect a debt. They have left voicemails pertaining to act like an attorney. They also call from numbers with the same area code and do not speak until I do then hang up, I have instructed them not to contact and this is extremely harassing. They have violated the law and their supposed debt is now null and void due to this.
Product: Mortgage

I have had a 15-year mortgage with Wells Fargo for nearly 6 years. I have been making bi-weekly payments towards my mortgage and extra towards the principal for most of the lifetime of the loan. I today learned that Wells Fargo has not been applying any of this extra money I have been paying towards my mortgage, but has instead been holding the partial bi-weekly payments and extra payments in an " Unapplied Funds '' bucket, which they withdraw from monthly in the amount of 1 full payment. The end result is that rather than paying my principal down more quickly, Wells Fargo has been using these " Unapplied Funds '', for free, with no benefit to me, and I will need to pay my mortgage off for longer than I thought.

In the attached mortgage statement, you can see where the payment is going to " Unapplied Funds '' rather than towards the actual mortgage.
Product: Credit reporting, credit repair services, 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. 

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 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 XXXX  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

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite multiple requests for correction through letters dated XXXX XXXX XXXX, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information reported in a consumer 's file. In this case, the incorrect reporting of late payments on my account has persisted despite my previous disputes, violating this legal obligation. 
Additionally, under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement, further contributing to the errors in my credit file. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity of accurate and timely disclosures to consumers. The incorrect reporting of late payments on my account has caused unjustified damage to my creditworthiness, violating these protections. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Furthermore, under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are responsible for issuing timely statements to avoid unfair penalties to consumers. The errors in my account 's late payment reporting show that this obligation was not met. 
Pattern of Inaccuracies No account details were reported for XXXX, but this omission itself suggests that crucial information may not have been accurately submitted, leading to further discrepancies and confusion about my payment history. 
There are no late payments reported in XXXX, though the balance differs from TransUnion and should be corrected. These discrepancies across TransUnion, XXXX, and XXXX show a pattern of incorrect information regarding my payment history. The errors have negatively impacted my credit score despite my previous efforts to resolve the situation. 
I am formally requesting that these inaccuracies be corrected immediately, and that the late payment notation on my TransUnion report be removed. I also request that any balance discrepancies between the credit bureaus be investigated and corrected. 
If this issue is not resolved promptly, I reserve the right to pursue legal action and escalate my complaint with additional regulatory bodies to protect my consumer rights. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 
Sincerely, XXXX XXXX XXXX