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

I filed a dispute with Experian ( XX/XX/XXXX, Report Number XXXX ) and XXXX requesting that they do a full investigation of all information being reported on my credit profiles by XXXX XXXX XXXX XXXX because they were both reporting different information from the same company regarding the same alleged debt. 

I also wrote a letter to XXXX XXXX XXXX XXXX requesting a full investigation and proof that the information they are reporting is valid, belongs to me and is accurate. They did not respond. 

When Experian and XXXX supposedly completed their investigations, they are still each reporting different information. After a full investigation, Experian still does not have the date of first deliquency. They show that the collection will remain on my report until XX/XX/XXXX, which would put the date of first deliquency at XX/XX/XXXX. XXXX shows a date of first deliquency of XX/XX/XXXX, which is also not accurate based on my recollection, which is why I did not recognize this information as being accurate to begin with. How can Experian claim to have done a complete investigation into the validity of this alleged debt, yet they don't have the date of deliquency? How can Experian continue to report this collection if they don't know how long they are legally allowed to report it? Furthermore, how can either company continue to report this collect when, after a full investigation, they are both reporting different information? 

Lastly, I disputed the multiple incorrect addresses Experian refuses to remove several times. Experian claims that because creditors, including XXXX XXXX XXXX XXXXXXXX, have reported these addresses, they can not delete them. The only address that should appear on my credit report is the address I've provided them with on my disputes several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX XXXX account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy. 2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions. 3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. These items must be DELETED immediately and a rapid re-score is requested. I have written to all of these agencies multiple times especially XXXX XXXX XXXX asking them in writing to please validate this debt with a copy of any signed original contracts or agreement with in 30 days. I have not received anything from them. Ive even called all 3 major credit reporting agencies and still have had no action on their part. Ive put a fraud alert on my social security number. Ive submitted proof that I filed a fraud report and they have refused to remove these items that are not mine. All they are doing is calling me nonstop since Ive sent them a written dispute with updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint that the credit Bureaus ( Equifax, XXXX and XXXX ) are reporting an inaccurate and incomplete information on my credit report. In accordance with the fair credit reporting act XX/XX/XXXXaccount # below has violated my rights.These account notation of the following late payments is inaccurate. I have never been late. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC SC1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under a open in consumer credit plan as late for purpose.
Product: Mortgage

WELLS FARGO IS DOING A WRONGFUL ILLEGAL FORECLOSURE ON OUR PROPERTY AND I WANT IT TO STOP NOW. 

1. WELLS FARGO HAS BEEN/IS CHARGING THE WRONG INTEREST RATE WHICH CAUSED THE WRONGFUL AND ILLEGAL FORECLOSURE. WELLS FARGO MUST RETROAVTIVELY PUT THE INTEREST RATE BACK DOWN TO 3 % INTEREST ONLY AS PER THE TRUE AND FINAL DRAFT OF THE MODIFICATION. 
Wells Fargo has been trying to charge us the wrong interest rate and wrong payment. I have tried repeatedly to get them to correct their mistake and they never did. A woman who worked in the CEO 's office told us she saw multiple versions of the modification in the bank 's internal computer system, and she saw that we had a step-up modification, which went up to 3 % interest only not 6.25 % plus principle. She told us to file a complaint against the bank because they were in violation of servicing the mortgage. Wells Fargo has been charging us the wrong interest rate and the wrong payment amount and they will not correct their mistake.

2. WELLS FARGO TOLD US TO GO INTO DEFAULT AND NOT PAY THE MORTGAGE IF WE DISAGREED WITH THE INTEREST RATE AND PAYMENT THEY WERE TRYING TO CHARGE US, THEY FORCED US INTO FORECLOSURE TO STEAL OUR PROPERTY. WELLS FARGO MUST RETROAVTIVELY PUT THE INTEREST RATE BACK DOWN TO 3 % INTEREST ONLY. Wells Fargo told us not to make the payments if we disagreed with the interest rate or payment amount. A worker in the CEO office saw they were charging the wrong interest rate and payment amount. They would not correct the mistake and she said the bank was in violation of servicing the mortgage and to notify the government. If they charged us the correct rate and payment we would have continued paying the mortgage. Wells Fargo caused the foreclosure. 

2. WELLS FARGO IS IN VIOLATION OF SERVCING THE MORTGAGE BECAUSE THEY WERE HOLDING THE FIRE INSURANCE MONEY IN THEIR ESCROW ACCOUNT, AND THEY GAVE OUR INSURANCE MONEY AWAY FROM A FIRE AND THE HOUSE COULD NOT BE RESTORED. THE HOUSE WAS DEVALUED BECAUSE IT COULD NOT BE FULLY RESTORED. THE BANK STONEWALLED AND OBSTRUCTED THE STATE ATTORNEY 'S INVESTIGATION AND STATE ATTORNEY SAYS WELLS FARGO OWES US {$700000.00} BECAUSE THEY ARE TO BLAME FOR THE THEFT OF THE MONEY AND THEY WERE HOLDING IT IN ESCROW. WELLS FARGO MUST GIVE US BACK THE STOLEN MONEY OR APPLY IT TO THE PAST DUE MORTGAGE PAYMENTS OR REDUCE THE PRINCIPLE BY {$700000.00} 3. THIS WRONGFUL ILLEGAL FORECLOSURE IS CAUSING EXTREME INFLICTION OF EMOTIONAL ABUSE AND CAUSING SERIOUS BODILY INJURY & POSSIBLY WRONGFUL DEATH. THEY ARE KILLING THE HOMEOWNER WITH THE WRONGFUL FORECLOSURE. I WANT WELLS FARGO TO STOP THE FORECLOSURE AND SETTLE THIS ASAP.

4. IN SUMMARY, WELLS FARGO MUST DO THE FOLLOWING A. STOP THE FORECLOSURE NOW B. STOP CHARGING THE WRONG INTEREST RATE C. RETROACTIVELY CORRECT THE INTEREST RATE TO 3 % INTEREST ONLY AND CORRECT /REDUCE THE PAST AMOUNTS DUE D. RETURN THE {$700000.00} OF FIRE INSURANCE MONEY THAT WAS STOLEN OUT OF THEIR ESCROW ACCOUNT, OR APPLY IT TOWARD THE PAST DUE PAYMENTS AT THE CORRECTED 3 % INTEREST ONLY PAYMENT AMOUNT, OR GIVE US A PRINCIPAL REDUCTION OF {$700000.00}.
Product: Debt collection

The company can not verify the debt is actually mine nor owed. They sent me a statement that said the word verified. Since, they refuse to get it out of their system after telling them a multitude of times that I was a victim of identity theft. Someone stole my identity and I have a collection from XXXX XXXX XXXX XXXX they refuse to remove the collection.
Product: Credit card

Synchrony Bank closed XXXX of my accounts on XX/XX/year>. The following accounts were closed : XXXX XXXX, PayPal Credit XXXX Rooms to Go, Mattress Firm, and XXXX XXXX XXXX XXXX I spoke to a customer service manager and said that I was fine with closing Mattress Firm and XXXXXXXX XXXX XXXX  cards, but I asked him to appeal the decision for closing XXXX Comfort, PayPal Credit and Rooms to Go since those were revolving credit accounts that I currently use. I requested that instead of closing the accounts, that Synchrony Bank instead decrease the credit limit to allow me to keep the accounts open and in good standing. To date, I have never missed a payment and I have always paid the minimum payment on all XXXX accounts. The oldest account is 3 years and 11 months old ( XXXX XXXX ) and the newest account is 5 months old ( Rooms to Go ). The customer service manager informed me that the decision to close all XXXX accounts at XXXX time was based on my credit score and as part of the account review process to extend credit, decrease credit and/or close accounts and that the decision was not reversible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment reported on my credit report, which was reported in error. 

In XXXX I called XXXX who finances through comenity to get enrolled in auto pay. When i spoke to the customer service agent in XXXX the agent stated I was enrolled and good to go moving forward. In may a late payment was reported for comenity/XXXX I called comenity and paid the card balance in full. I also asked them to remove the late payment as it was their mistake. they stated that they can not contact credit bureaus and i have to make the dispute myself. The credit Bureaus are stating hey need a letter from Comenity to remove it but comenity is refusing to provide it. 

Unfortunately due to the error on the part of comenity, this payment was incorrectly processed and subsequently reported as late on my credit report. I respectfully requested that the CFPB assist in rectifying this error and insure the incorrect late payment is removed from my credit report. thank you for your assistance in this matter.
Product: Debt collection

I have contacted all three reporting agencies several times through online as well as state collection also disputed. I have tried to resolve as soon as they were added but numbers are disconnected & I can not get anywhere with XXXX  or XXXX  they say its not me? I have had enough back and forth & no one is doing anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting. 

FCRA 15 USC Sec 1681i ( a ) states ; where any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in an inaccurate account. 

Im requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

XXXX ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

DEP OF ED/XXXX  ACCT XXXX XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 my 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 to be updated. 


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 XXXX TRANSUNION 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: Credit reporting, credit repair services, or other personal consumer reports

I received an alert today that stated a collection account was added to my Experian report. I opened the report and saw that XXXX XXXX XXXX, XXXX, account number XXXX, had placed a collection account on my report in the amount of {$260.00}. I've never opened this account, nor have I signed any contract, nor documents to run my credit let alone open this account. I haven't done any business with XXXX XXXX either. 
I never signed any type of documents giving my consent to run my credit or open up an account. In Accordance with Fair Credit Act these companies has violated my federally protected rights to privacy and confidentially under section 15 USC 1681. This company XXXX XXXX XXXX is not listed to do business in XXXX, they have no filings with the XXXX  Secretary of State. I could not locate a company for them other than XXXX. That alone is illegal for them to be trying to report data and collect data.
Product: Checking or savings account

In XXXX, XXXX, I brought a XXXX XXXX Savings Bond to Bank of America to cash. After determining its value, Bank of America deposited the proceeds into an account they opened for me. In XXXX, XXXX, I received correspondence form Bank of America that was somewhat incoherent, but noticed that a hold had been put on my account there, and the original deposit had been reversed. After calling Bank of America to try to find out what was going on, I was unable to get any meaningful information explaining the situation, ad was advised by the telephone representative that I had to go into the local branch and speak with the representative there. I did do this and was informed by the representative that the US Treasury said the Savings Bond was counterfeit, or fraudulent.

Since I have had this bond in my possession since its original acquisition in XXXX and have cashed other XXXX XXXX XXXX in the past without problem, I found this to be extremely troubling. To try to corroborate what I was being told by Bank of America ; I went to the US Treasury website treasurydirect.gov where there is a calculator that determines bond value after inputting the identifying specifics. My assumption was that if there was a problem with this bond, it would be flagged as problematic in some way when it attempted to provide the value. There is no indication of any problem with the bond, and the values given both with respect to principal and interest earned were identical to what Bank of America originally had computed. 
At this point my account that Bank of America froze had around {$1000.00} remaining in it, and well as they apparently put my account in a deficiency because of their reversal of the original deposit. I was advised that the problem was with the U.S. Treasury and that I would have to resolve it with them. There does not seem to be a way accessible to retail customers such as myself to do this. The online waiting time after a trying to call several times is around two hours, and I still would have no specific pathway to resolution. Moreover, I am not particularly confident that what I was told by Bank of America is accurate since the Treasury website does not indicate a problem with the bond, and I feel like I am being given the run-around.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of a response letter dated XX/XX/2021 from XXXX which did not adequately respond to my complaint. I am not sure why this response took 60 days as it was a canned response and it is clear that NO RESEARCH was done as to the accuracy of my information. Perhaps I was not clear so I am attempting to add clarity to this complaint. 

The original letter I received from Synchrony Bank outlined the following issues with a Credit Report that they received from XXXX. 

1. Date of issuance of applicant 's SSN does not match date of SSN of peers. Please inform me how to correct this information. Is XXXX aware that I was born in the XXXX and at that time you did not apply for your SSN until your parents determined that you needed it for a summer job or other purpose. My brother, who is 18 months younger has a SSN that is only 2 numbers from my own. SO IF THIS IS AN ITEM THAT WILL IMPACT MY SCORE OR ABILITY TO OBTAIN CREDIT, HOW IS IN CORRECTED? 

2. Applicant associated with multiple phone changes. Again, I would like to be informed where they got this information and how to correct this erroneous information. I have had the same phone numbers ( Home, yes I have a land line, and Cell ) for over 15 years. So they either you have a bad source, are pulling bad information or just DO NOT CARE about the accuracy.

3. Distance between applicant 's address and area code of phone number. Where is this information obtained and how is this determined. Also, how can this erroneous information be corrected. Both my home and cell number start with a ( XXXX ) area code. I live in XXXX Florida just outside XXXX where the area codes are XXXX XXXX XXXX original area code and ( XXXX XXXX newer area code. So I actually have one of the original area codes before they stopped issuing that area code. 

4. Total account balances. Again, where is this information obtained and how is this determined. Also, how can this erroneous information be corrected. My credit card usage constantly is low and I pay all non zero interest balances in full every month. I do not have any car loans and my mortgage balance could be paid in full but I chose not to due to having an interest rate under 2.5 % ( I am 6 years into a 10 year loan ). 

I would like the company to tell me the sources of the data that they provided to the credit grantor and how to correct errors in these areas. What proof would be required to support that fact that their data in incorrect.
Product: Credit reporting or other personal consumer reports

Credit inquiry : XXXX XXXX ( XXXX ) XX/XX/year> Unknown credit inquiry
Product: Credit card or prepaid card

On XXXX XXXX XXXX I purchased three toy cars from XXXX XXXX paying with XXXX XXXX and Truist debit card. I received the items damaged. I filed a complaint with XXXX  who denied my claim stating I need to file with the bank. I filed a dispute with Truist, Truist provide a form " WRITTEN STATEMENT OF UNAUTHORIZED DEBIT ( ACH ) '' I called them and said it was the wrong form as it was not an unauthorized debit. I am complaining of received damaged items and I want a refund.Truist told me to check other and explain that the form did not matter. I checked other as Truist instructed and wrote my statement on XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received an email denying the dispute stating that the who denied my claim stating I called XXXX XXXX the number on Truist denial letter and was on hold for two hours the call was not answer so I hung up and filed this complaint. Based on a review of our records and the information gathered during the course of our investigation, we have determined, with respect to the above reference amount that the transaction was authorized and therefore not eligible to be returned. You have the right to request a copy of any documents that we may have relied on in making this determination. 

Truist has systematically denied ever claim I have filed in the past without providing documentation it relied on in violation of federal law in addition chargeback-worthy claims include : merchandise arrived damaged or defective.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I disputed XXXX XXXX XXXX XXXX  XXXX XXXX XXXX on all three credit reports. XXXX XXXX XXXX XXXX XXXX said they had verified my account properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not verify this account properly and they are still reporting it on my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I have attached the type statement up sent me.