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

Experian is in violation of FCRA 15 USC 1681b- Permissible purpose which states- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want Experian to Swear under the penalty of perjury they have a written signed letter stating my permission to furnish the accounts mentioned in the attached letter. 

Please Have Experian provide the requested documents and proof that the information reporting on my report is 100 % accurate and belongs to me. I want to know the names, phone numbers, and addresses of anyone they spoke to or contacted during their investigation.
Product: Credit card

I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I met with a lawyer to file bankruptcy in XX/XX/2017. At that time, the lawyer and the information on the bankruptcy filing documents stated that I was not to make payments to my creditors, friends, family, etc. until the bankruptcy was decided- so I had stopped making payments due to litigation pending under advice of the courts. 
XXXX  and Experian show no lates on the closed accounts that were part of the bankruptcy. 
XXXX states that I have 10 lates ( those same accounts ) even though it correctly lists that they were discharged in bankruptcy. 
This is hurting my credit score from them, and any creditor that uses their credit report to decide on credit approval for me is thus not being given correct information- so I am getting double dinged for the same situation, having my bankruptcy on my record which eliminates those creditors, and those creditors showing that I have a history of lates with them. 
They are the only credit bureau which reports these lates from companies discharged in a Chapter XXXX Bankruptcy which supposedly wiped out all of that debt. 
I request that my Experian credit report record be corrected to eliminate those debtors ( and lates ) as decided by the Bankruptcy Court in the granted discharge.
Product: Credit card or prepaid card

Call CapitalOne about letters I received about both of my cards being closed due to a payment that fraudulent. I notified CapitalOne of a strange payment that had been made for {$5000.00} on one of my  CapitalOne cards. I also contacted the bank the payment came from XXXX XXXX in Massachusetts ( not my bank ). Because of a fraudulent payment CapitalOne closed my accounts. The account that the payment supposedly came from was a closed account. I was a victim of a scan of some sort. 
When I CapitalOne today as to why I was being punished by having my cards closed, the agent " XXXX '' was of no help, laughed at me and hung up.
Product: Mortgage

Two issues with loan servicing for # XXXX  and formerly, # XXXX.

For the history of the loan, XXXX has had an escrow account in my name. 
The first issue occurred approximately 5 years ago ( XX/XX/XXXX ), Wells Fargo was taking money for escrow and did not pay my taxes or my insurance on time. I found out I owed the State of Texas and county in late fees. I paid those late fees because I really did not understand what was going on and the late fee were acquiring more late fees on top of the late fees ( for over three years, from XX/XX/XXXX to XX/XX/XXXX

).
Again this month after several hours of calls, I found out that this loan was " newly acquired, effective XX/XX/XXXX and no escrow monies are taken out. '' My bank statement reflects money being taken out each month. See attached. What is happening to my escrow monies? 

Second, equally major issue is that the XX/XX/XXXX XXXX XXXX, Form 1098, reflects line # 2,  Outstanding mortgage principle effective on XX/XX/XXXX as {$34000.00}. When I was inquiring with the XXXX agents about the issues with escrow not reflecting, they stated that I have a principle balance of {$49000.00}, effective XX/XX/XXXX. How can I owe more than $ 10k in one year to the bank, when I am making payments to the loan each month? Each year the 1098 form reflects the mortgage going down not up. 

Each time the XXXX information technology systems change, the customer ends up paying extra money or funds get mis-allocated. Also, the system is not accurately transferring my escrow money. 

Third issue is that the second loan, {$41000.00}, a home equity loan, formerly # XXXX, # XXXX, this loan was supposed to be against XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. This house was short sold along with this loan in XX/XX/XXXX. Why did this loan not go away along with the short sale in XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are not employing procedures to assure the accuracy of the consumer report pursuant to 15 USC 1681 ( a ). Nor are they complying with the federal the federal laws that govern them, I Recent viewed both of My full reports from XXXX and Transunion, it shows that both agencies are reporting inaccurate information that adversely affecting my rights liberties and pursuit of happiness. Transunion is reporting {$15000.00}. for XXXX XXXX account, and XXXX is reporting {$14000.00}. for XXXX XXXX. Both of them fall under 15 USC 1681 ( e ) ( b ) accuracy of report, Also reporting transactions between the consumer and XXXX XXXX is not a permissible purpose according to 15 USC 1681 ( a ) ( 2 ) ( a ) ( I ) and should be excluded from the consumers report. According to 15 USC 1681 ( b ) ( 2 ) permissible purposes a consumer reporting agency may furnish a report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. This is actual and constructive notice that you are no longer authorized to report this inaccurate information to my consumer report. This Inaccuracy in The reporting from bout agency has affected me in a negative way. I've been denied for products and services based of the in accurate information that is displayed on both platforms.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and especially Experian I've been filing disputes via online, over the phone and sending dispute letters since XXXX of XXXXXXXX XXXX of XXXX, up to the present day of XX/XX/XXXX. Every time I filed disputes for inaccuracies like Charged off accounts which the company must file a 1099-C debt cancellation reporting it as income in the amounts of {$230.00} ( XXXX  XXXX  ) XXXX {$350.00} ( XXXX ) XXXX {$530.00} ( XXXX XXXX XXXX XXXX {$250.00} ( XXXX  ), {$280.00} ( XXXX XXXX ) which was a {$2000.00} secured card, {$450.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} was a breach of contract coercing me to sign the contract they way they wanted me to or else they wasn't going to sell me the vehicle knowing I needed one for my personal, family and household needs. And since the companies in question are reporting these charged off accounts as income they no longer should be on my credit report. and so the credit bureaus refuse to correct these errors as if they are deliberately ignoring my request. They never in the history of me filing disputes sent me verifiable and validated proof of any debts and will not even remove them one time in good faith. I've experienced severe financial hardships I suffered constant denial of credit because of this unresolved matter over the years of communicating with these bureaus Especially Experian. I've also requested them to remove non-mailable addresses from my credit report and they said they would but when I went back to check my report the address were still there, so they lied to me. That's why a question their motives, authenticity and what they stand to gain or lose by making these simple corrections on my report. It even got to a point where I wasn't allowed to dispute some inaccurate any further. I think they are engaging in unfair and deceptive practices and have violated my consumer rights time and time and time again. I've pointed out to them that they have violate the FCRA, FDCPA, ECOA and the CCPA and they seem to be unfazed by these violations. A few of these third party debt collectors I have absolutely no business or contract with. And I don't have the time to go back and forth with these bureaus. That's why I'm filing this complaint because I NEVER got ANYWHERE corresponding with these credit bureaus. I feel targeted and discriminated against. I also put the parties involved on expressed notice that I had a priority lien and beneficial security interest in the Debtors property including my Trade Name. They ignored everything I conveyed to them verbally and in writing. see attached.
Product: Checking or savings account

I do not have dates as i no longer have access to that information. I was charged multiple insufficient fund fees for overdrafts. When these overdrafts would occur whatever was setup next for auto pay would decline and i would be charged another fee. This made it very hard to keep my account up to date.. for example if i was in the negative {$4.00} and had two auto payments i would receive a fee twice. I called to dispute and waive charges but only one is permitted per year i believe
Product: Payday loan, title loan, or personal loan

I was approved then blocked and denied after collecting information and being approved
Product: Debt collection

XXXX XXXX, XXXX in XXXX, Florida is reporting a {$0.00} XXXX balance on my credit file. The company said that I paid the collection directly to XXXX XXXX. XXXX is saying they have no record of me going to collections. IT has all the information then it say XXXX balance. I have never made any payment to this company.
Product: Credit reporting or other personal consumer reports

My data was involved in a data breach. I want all incorrect information to be removed.
Product: Debt collection

CBNA/CITI Best Buy credit card account Citibank , N.A . Office of the President XXXX. XXXX  XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX - XXXX XXXX, SD ( XXXX ) XXXX I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00} I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

The only current CBNA account card I have that's in good standings ending in XXXX, I never authorized a second account do not own any other CBNA account and the account being reported in collections as of XX/XX/2020 on my credit report is not mine and when I called they were unaware of where this account came from. Please investigate this matter and correct the reporting error and remove this account as soon as possible.
Product: Debt collection

I have disputed this account through Experian several times and also filed a police report, along with submitted a documented packet to XXXX XXXX explaining this debt is not my debt and I do not owe this company they continue to put false items on my credit report causing me pain and suffering while in the process to purchase a home for my 2 children and I. I am a single parent and the suffering they are causing me while trying to raise my children is horrible. I shouldn't have to continue to fill out paper work that I continue to explain to 10 different people. I have spoke to Experian, I have spoke to XXXX XXXX, the police filed a fraud complaint on the matter and now I have to continue to dispute through them. When they sent the verification paperwork I explained and wrote back to this company and another comapny that this debt is not MINE I DO NOT HAVE XXXX! MY SOCIAL, and credit file has to be locked due to people using it for fraud. I SHOULD NOT HAVE TO KEEP DISPUTING THIS SAME INFOMRATION NUMEROUS AMOUNTS OF TIMES! it is frustrating and I am thinking about getting an attorney to sue all 3 companies due to the pain I am being caused and time i am wasting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a XXXX Credit Card. I noticed on my credit report that XXXX started my card was past due XX/XX/XXXX. I noticed it a few months ago ( XX/XX/XXXX ) .I called the XXXX XXXX number and spoke to an associate. I was informed that there was never a report made to the credit agencies. 

The card is in my maiden name and is XXXX XXXX. 

I received a letter dated XX/XX/XXXX in which they confirmed that any notation was internal only and was not sent to the credit agencies. I then took that letter and sent it to XXXX again. I received a pre-printed letter stating that my credit report is correct and there is nothing they can do. 

I have a letter from them stating they never notified the credit agencies and they confirmed that. Now they are refusing to correct their error that they admitted to?
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Synchrony Bank and PayPal which used my credit report without my consent. What occurred is that Synchrony Bank indicated that they could not approve my PayPal account because it was not accessible, but after setting up payments for my daughters to pay two of her accounts which was XXXX XXXX and XXXX off in XXXX of XXXX Synchrony got access to my credit report then without my consent and added this account to my report in XXXX of XXXX. What occurred in XXXX and XXXX of XXXX XXXX requested for me to uploaded my DL and SSN because they claim something was wrong with my account which I did upload both of my DL and SSN number on their site through their resolution center. All this occurred and I just realize what all three companies did after my daughter applied for an apartment in XXXX of XXXX, which I set up payments for both my daughter 's account to be paid off for XXXX XXXX and XXXX. Not once did PayPal said anything about transferring an account to Synchrony Bank until I realize it was on my credit report.PayPal that issued my account was through XXXX XXXX  and the base of the company was in XXXX XXXX California and XXXX Nebraska. After repeatedly asking XXXX how the use the information to come up with their investigation XXXX refused to give me the information and still have not received the information to this day. Now Synchrony Bank has just transferred this account on XX/XX/XXXX, to a new account but the other access to the statements I do not know what the account number is and never has known what the account was on the statements from XXXX of XXXX until XXXX of XXXX, which I think the account was actually in my daughter 's SSN. PayPal did this back in XXXX, in which a police report was filed back then someone opens a fraudulent account back the report number XXXXSo after PayPal requested my information in XXXX and XXXX of XXXX I filed another police report again in this same matter XXXX. This complaint is about XXXX XXXX, XXXX, and Synchrony Bank. This has been a 19 years process when I worked for XXXX XXXX XXXX after being laid off for a week I went back to work with my daughter 's SSN in the credit bureaus and changed at the Internal Revenue Service downtown XXXX XXXX XXXX XXXX XXXX Texas XXXX. Now XXXX has sent out 4 letters that I am not in their system. Now XXXX stated they can not find me in their system either. XXXX  sent out a letter in XXXX stating that there is no report found for me. On this day of XX/XX/XXXX XXXX
Product: Checking or savings account

My CD with BMO Bank was scheduled for maturity on XX/XX/XXXX after 13 months. I went to the branch located at XXXX XXXX XXXX, XXXX, CA XXXX and requested XXXX XXXX, a banker that my CD funds on maturity should be transferred to my checking account as I will be out of country on XX/XX/XXXX. she talked to the manager and told me that it will be renewed if I am not here. I didn|t have any choice. but to leave. I checked my account 0n XX/XX/XXXX, my CD was renewed at 1.48 % APY for 12 months. Bank cheated me while renewing my CD. 13 months CD rate was 3.25 % on XX/XX/XXXX, but BMO Bank modified my renewal from 13 months to 12 months to their advantage as 12 month cd rate was 1.48 % APY. On XX/XX/XXXX XXXX I went to the branch in XXXX, CA and talked to XXXX XXXX that it is a cheating by the bank. RENEWAL MEANS RENEWAL for the same term. Why bank changed my term fro 13 months to 12 months when 13 month CD was available. It was a FRAUD committed by the bank to their advantage by cheating the inncent customers. I requested XXXX XXXX to fix this fraud, she told me that I have to pay the penality of {$2300.00} if I opt to change it to 13 months. I told her I will pay the penality but i wont keep my money in that situation, she said she can '' t help me as it is bank policy. So I had to pay penality of {$2300.00} which was because of bank 's fault and fraud. Please look into the matter and help me getting my money and take necessary action against the bank to avoid cheating and fraud by the bank. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under doctrine of estoppel by salience. Engelhardt v. Gaven ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

XXXX XXXX Acct # : XXXX Date XXXX : XX/XX/2019 Balance : XXXX Debt is included in identity theft report.
Product: Debt collection

I recently pulled my credit report and noticed a credit card debt under my account that didn't belong to me. I noticed all three credit reporting agencies. I then contacted the creditor SYNCB / XXXX via certified mail ( XXXX ) and asked for proof that this account belonged to me, I never recieved a response. I contacted them again XXXX and requested validation of debt. As of today, I have not heard form this company and the debt remains on my credit report. I have also, placed a identity theft alert in my name with the Fed Trade Commission. 

This Account was opened in XXXX of XXXX at a residence I lived in over 30 yrs ago Account # XXXX XXXX XXXX XXXX Paypal Credit XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I went to the bank to open credit. they run XXXX report said that I have XXXX XXXX XXXX XXXX open and have balance owe. I never open and used at all. I already called the XXXX XXXX XXXX  to dispute the card. a few days later I went to XXXX to check my credit report it showed I have XXXX XXXX ACOUNT # XXXX and SYNCB/XXXX XXXX XXXX ACCOUNT # XXXX which never open. Now I need to report so I need dispute the cards. 
so I show it to the XXXX they can do something to closed it for me.
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. 

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

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.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires do not belong to me and are fraud. I have included the identity theft report. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I had issues with banking fees after I told them it was fraud. They still charged me fees and I went to deposit funds and they closed the account without my knowledge. 

I told them I was having a refund from a transaction prior and they deposited in my Father 's Wells fargo bank account without my authorization.
Product: Credit reporting or other personal consumer reports

I was dismayed to find unauthorized inquiries on my credit report tonight, and I have no idea why they're there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser to see if it was a glitch, but the unauthorized inquiries remained. Given this situation, I urgently request a thorough review of the documents I've submitted so that I can put this worry behind me for good.
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX, the reason for this email is to let you know that a couple months ago I sent money to XXXX and that money was never received in XXXX. I wanted to know if I could get a refund with you guys? I have all the information about the transaction in case you guys need it. It would be great if you responded as soon as possible thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit card or prepaid card

XX/XX/XXXX my Wells Fargo checking account was hacked and somebody paid XXXX dollars bill to another bank. The problem is that On my checking account I just had XXXX dollars and WF allowed overdraft from my Wells Fargo credit card that was XXXX dollars. I went to a bank branch and opened a claim ( XXXX ). In 10 days Wells Fargo denied my claim and said that I did that myself. I went to a branch again and opened another claim ( XXXX ) on XXXX XXXX Now I am waiting for the Wells Fargo response . 
However, Wells Fargo sent me a credit account t statement and want me to pay fees and interest. I am not guilty that somebody stole my money and that Wells Fargo allowed such a huge overdraft. Could you please help me. 
I want to report this incident to press and give an interview about how Wells Fargo treats its customers. 
Thank you so much for your understanding.