23daVinci/CFPB_Complaints huggingface dataset:
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. 
Account name : XXXX XXXX XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

in 1978 I had a CD deposited into my name from Provident bank in XXXX XXXX. The certificate was lost then recently found. The bank says they have no record and are only obligated to keep records for XXXX years. They told me to check with FDIC and also the state of California and neither have any record. This account was never closed by myself or anyone else and I don't think the bank can arbitrarily close it. I can provide a copy of the CD and any other info required. I have Attached is a copy of the CD. If you could give me some guidance or assistance, I would appreciate it Thank you XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX - I went to a presentation for their timeshare program and declined to purchase. I did not sign up or purchase a membership ; however the company used my information and opened a Wyndham Rewards Earner Credit Card in my name. I asked them multiple times what they were doing with my information and was told they would only do an XXXX  credit check. Instead they filled out a credit card application in my name without my consent, knowledge, or permission.
Product: Credit card or prepaid card

On XXXX/XXXX/2016 Citi bank put a {$3000.00} refound process on my monthly statement claim as I used check of the XXXX XXXX XXXX to pay my Citibank cridit card and it bounced back so they charged me {$3000.00} I never payed my cridit card with a check when I asked them to send me a copy of the check payed to my cridit card they refused my request.its been about more than half year the I called the bank many time, at the first they say it 's the system error, they told me do n't worry about it. After I send the complaint on cpaf they tells me another story..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have had my information compromised several times. I have submitted documentation to XXXX XXXX and XXXX XXXX credit card several times pertaining to fraud on my bank account and credit cards to which I have not received any phone calls or assistance in resolving. In XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was compromised as well as in XXXX and XXXX of XXXX. I have completed a police report in reference to said incident in which someone gained access to my XXXX XXXX  account and processed a fraudulent transaction. This has caused many issues with my checking account in which the bank acknowledge and funds were released to said creditors. XXXX XXXX has failed act reasonably to aid in this issue and closed my credit card.
Product: Debt collection

This account was reported to my credit on XXXX. Since then, I have attempted to contact the collection agency via phone and email to obtain validation of the debt. I was informed that the validation had already been mailed to me. However, I was also told that if I paid immediately, they would not report the debtdespite it already being reported on my credit. 

I explained that I had recently moved for work and, if they mailed the information to a previous address, I would not have received it. Despite my efforts, they did not provide the requested documentation or validation of the debt.
Product: Mortgage

We got behind on the mortgage payment for my Mother 's estate ( XXXX XXXX XXXX, ( aka XXXX XXXX XXXX, deceased on XX/XX/XXXX ). On XX/XX/XXXX a letter was sent from Wells Fargo Mortgage ( WF ) with a refund check of {$56.00} for " unapplied '' funds. A delinquent status letter was received.around the same time. A WF statement dated XX/XX/XXXX was received later in the month. showing a balance due by XX/XX/XXXX of {$1700.00}. On XX/XX/XXXX, I made that payment in full by cash payment with a payment coupon at the local bank as I had previously done. The next day ( XX/XX/XXXX ) I received a letter from WF ( dated XX/XX/XXXX ) that loan had been referred to attorney. A second letter from WF ( dated XX/XX/XXXX ) was received 2 days later. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, demanding payment in full to avoid foreclosure. I subsequently hired XXXX XXXX XXXX to resolve the wrongful foreclosure action. It was determined that WF had misapplied the XXXX XXXX payment to a Closed Credit Card account without comment, instead of the mortgage account. He received confirmation from XXXX. XXXX XXXX that the foreclosure was cancelled on XX/XX/XXXX. Wells Fargo has since refused payment to bring the account current for the months of XXXX by payment attempted on XX/XX/XXXX. Wells Fargo is now demanding payment of mortgage payment that they mis-applied and attorneys fees for the wrongful attempt to foreclose on the property. I have received a response from XXXX XXXX XXXX in response to the inquiry initiated by XXXX XXXX. Wells Fargo continues to be unwilling to apply the previous payment to the mortgage ; thereby demanding a second payment of those funds already paid. They are also demanding payment for the wrongful foreclosure action. They refuse to take payment for the mortgage payments currently due. On XX/XX/XXXX, I again received a statement from WF, showing yet another balance due after their apparent payment of property taxes. However, a check today of the property taxes shows that only tax payment for XXXX lot not both lots under the mortgage has been made.
Product: Credit reporting, credit repair services, 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 deleted : XXXX XXXX XXXX XXXX Balance : {$840.00} OXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX CO XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$590.00}
Product: Credit reporting or other personal consumer reports

The Transunion website ( XXXXransunion.com or service.transunion.com ) is non-functional. On several occasions I have attempted to access both my credit report and my freeze status on this site only to be given the message that this can not be requested online. Here is the message : Sorry, we're having trouble showing the status of your credit freeze right now. 
You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX  XXXX XXXX XXXX XXXX. and Saturday - Sunday XXXX aXXXX XXXX XXXX XXXX Eastern Time. 
Last week I used to chat and the chat personnel assured me the freeze had been removed temporarily. But, it was not removed at all. 
Today, XXXX XXXX, 2024 I asked again for it to be removed temporarily and the CSR removed it permanently. So, now I have to go back and have it reinstated manually.
Product: Debt collection

XXXX XXXX XXXX based in XXXX, Texas is harassing me that they would sue well over the statue of limitations. 

XXXX XXXX account that was sold which XXXX XXXX now no longer sells to collections : XX/XX/XXXX XXXX XX/XX/XXXX XXXX* Closed Date. 
Account was sold on XX/XX/XXXX XXXX* There contact phone : XXXX XXXX XXXX XXXX XXXX , tx
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NAV is a credit monitoring service that has told me they have been reporting my payments to my XXXX and XXXX report but nothing is showing and have been making payments since XX/XX/year>. They offered to refund XXXX month but are refusing to rectify the reporting payments for XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card

Care Credit Handled by Synchrony Bank. 
Synchrony says online payment made on XX/XX/year> ( confirmation number XXXX  XXXX ) was returned by our XXXX  & Synchrony charged us XXXXXXXX. Our bank says no payment was presented by Synchrony hence no such payment was returned by them so there should not be a XXXX fee by Synchrony. 
XX/XX/year> : Spoke with XXXX Agents between XXXX  & XXXX  ; all calls were recorded & documented. XXXX at Synchrony refused to take the question up further when requested. Not happy with the way she presented the information & how she backtracked her statements. Check call recording at Synchrony. 
Seems like Synchrony does not want to own their error but are passing a fee down to the consumer.
Product: Debt collection

I opened a bank account with Wells Fargo in XX/XX/XXXX. I believe the account could have been overdrawn i called to speak with an associate at the banking institution sometime around XX/XX/XXXX. Once on the line with the associate was told i was denied for a student loan as i did receive a letter stating this as well. I never applied to receive a student loan i was not a student i was working not attending school. This incident raised red flags i asked to speak with the Manager and wasnt able to i went into the bank i opened the account with to speak with the Manager i spoke with another associate who explained the debt was in fact mine because the account was overdrawn i didnt not receive notice. I let the situation go for a while due to other obligations i found out a Credit Card was opened in my name per my Credit Report without authorization from me. The account was closed XX/XX/XXXX with a {$600.00} spending limit it also shows out of the {$600.00} limit {$330.00} was used towards debt collection. I am currently involved in a class action law suit with XXXX against Wells Fargo for fraudulently opening credit accounts without consent or approval of their customers. The debt is still showing on all 3 credit bureaus and have been on my credit for 6 years and 8 months i need this debt removed and this issue resolved.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name XXXX XXXXXXXX XXXX  XXXX, Account number XXXX Account type Secured XXXX, Date opened XX/XX/XXXX, Status Paid, Closed. 

Account name XXXX XXXX XXXX, Account number XXXX Account type Credit card, Date opened XX/XX/XXXX, Status Paid, Closed. 

Account name XXXX, Account number XXXX, Account type Charge Card, Date opened XX/XX/XXXX, Status Paid, Closed. 

Account name XXXX XXXX XXXX, Account number XXXX, Account type Auto Loan, Date opened XX/XX/XXXX, Status Account charged off. {$14.00}, XXXX written off, Status updated XX/XX/XXXX. 

Account name XXXX XXXX XXXX  XXXX, Account number XXXX Account type Secured Loan, Date opened XX/XX/XXXX, Status Paid, Closed. 

Account name XXXXXXXX XXXX XXXXXXXX, Account number XXXX, Account type Credit card, Date opened XX/XX/XXXX Status Closed. Status updated XX/XX/XXXX Account name XXXX XXXX, Account number XXXX Account type Education, Date opened XX/XX/XXXX Status Paid, Closed. {$28.00}, XXXX written off, Status updated XX/XX/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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

I have a balance for whatever reason a {$560.00} that I am not responsible for as stated above I am a victim of identity theft this is no relation to me
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a formal dispute letter to Experian via USPS certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to USPS tracking information, the letter was delivered and received by Experian on XX/XX/year>. 
In this dispute letter, I requested an investigation into an inaccurately reported bankruptcy and incorrect personal information listed on my credit report. I ensured that all necessary documents to verify my identity were included : a copy of my government-issued ID, my Social Security card , and proof of my current address. Despite complying with these legal requirements, I have yet to receive any response from Experian, and the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) has long passed.

In particular, I pointed out that the bankruptcy reporting on my credit report is both inaccurate and incomplete. Key details, such as the correct court name and other vital information, are missing. The report only includes the filing date and a reference number, which is insufficient and misleading. Additionally, I disputed incorrect personal information entries that remain unaddressed by Experian.
Product: Debt collection

I sent out a dispute regarding a {$130.00} around XX/XX/2021 bill with XXXX XXXX. I moved from the XXXX XXXX XXXX XXXX XXXX  NC XXXX address and had all my mailed forwarded to XXXX XXXX XXXX XXXX NC XXXX. I called numerous times and was told that this account has been sent back to XXXX XXXX account # XXXX who now has the account and still have not updated the correct address until today. I have know problem paying the bill but XXXX XXXX still shows on my credit file. 

Again I never received a bill from XXXX XXXX that I owed any amount and I called today and asked for the account number and told that they can't give me any information on the account just pay the {$130.00}. 

Credit management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company first contacted me months ago claiming I owed money to progressive for car insurance after I switched insurance companies. I disputed it and send them proof that they had been paid and that progressive actually owes me a partial refund. They called and said they did not receive it. I told them to stop calling me and send everything in writing. I also mailed a letter and included in the fax with another set of my documents. They stopped calling. Then suddenly they started calling again. I asked them to stop calling and even referenced the written letter. They claimed they never got anything and continued to call to the point that I blocked their number, but apparently my blocking system still allows them to leave messages which are 30 seconds of silence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to repair my credit. I lost my job in XXXX. Got very behind in XXXX. I've paid off many accounts. I sent Transunion documentaction that XXXX XXXX XXXX XXXX XXXX has updated an account ( unsecured personal loan ). I asked the information be updated. Instead they reported it delinquent and dropped my credit score 39pts. I tried to do a online dispute. Their system said they couldn't verify me. I called and was on hold for 40mins. I was told the file was being handled by a supervisor. Then transferred to supervisor. Was on hold another 1hr 20mins. I had to hand up due to work. I'm getting ready to purchase a house and trying to correct items on my report. I sent another letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This may not be a legitimate " complaint '' per se, but merely a request for clarification and/or explanation. 

Due to exigent circumstances ( medical and vehicle repair expenses ), my overall credit use increased by a little over {$1100.00} last month, As a consequence, on XX/XX/XXXX my credit scores at Equifax and Transunion incurred a 17 point hit/drop. 

On. XX/XX/XXXX, I paid down those balances by XXXX and my scores rose only 1 point! 

On XX/XX/XXXX, I paid down another {$200.00} XXXX for a total of {$740.00} in 3 days ), and my score rose only 1 point, again! 

As I've paid nearly 70 % of the debt increase that cost me 17 points, why hasn't my score rebounded by commensurate amount - to an increase of 12 points??? 

My XXXX Credit Score remains at XXXX, XXXX, or XXXX, depending on which other bureau or creditor I view. 

My Score Rating is " Good '' Payment history rated " Grade A - 100 % '' Account Mix - Credit Age - Inquiries are all also rated " Grade A '' Credit Usage alone is rated " Grade XXXX  '' ( 67 % ) Why the disparity in scores, and - most egregiously - WHY DO MY SCORES RISE SO LETHARGICALLY AS COMPARED TO THE SUBSTANTIAL - AND IMMEDIATE - DROPS? 

Thank you!
Product: Credit reporting or other personal consumer reports

I've never made these inquiry, and very strongly suspect them to be identity theft. Do a thorough investigation and have them removed from my credit report without delay. I have provided documents to support my claim.
Product: Credit reporting or other personal consumer reports

I was recently contacted by a lender called Momnt Bank, they claimed i had applied for some sort of home improvement loan i had no knowledge of. 
After i was made aware of this I requested all documentation and all signed agreements they said they had, I have yet to hear a response. I pulled my credit reports and noticed that the loan was fraudulently reporting on my consumer file on ( XXXX ). I have reached out to XXXX and was told to submit a Fraud affidavit and police report for Identitty Theft. This bureau has failed to block or remove the fraudulent account and now has damaged my consumer file and my credibility. I am seekimg damages under the FCRA immediately and this crime committed against me to be resolved.
Product: Checking or savings account

The company is calling stating I owe them money for my business account when they closed it without any knowledge of them doing so. They refused cashing my checks or let me do any service with my account. I would like to keep my business account with them without the restrictions.
Product: Debt collection

Hello when i called i gave them my information they had a account for me when i was in XXXX XXXX. Which isnt possible cause i was not of age to get any credit. The lady said she will dispute it internally and i asked for documentation showing this loan. The lady stated they are not allowd to email me information. I showed receive a letter in the mail explaining why. So i was left getting no where