23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RECEIVED NOTIFICATION THAT COLLECTION ACCOUNT WAS PLACED ON MY CREDIT FILE. NO WRITTEN INFORMATION OR DEBT VALIDATION RECEIVED TO DATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Debt collection

I have paid this dept. I think at the time this company went through management changes and my dept somehow was overlooked. 
I talked to management several times trying to make this right but it seemed like they were not interested in looking deeper into the matter. 
Its a shame they ruin my credit over their own fault. I pay my depts, you can look at my credit history. I Will Not Pay A Dept I DO NOT OWE! This has been ongoing now 8 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following checking accounts listed on my Chex Systems Consumer ID Report : XXXX are fraudulent checking accounts that are not my checking accounts : XXXX XXXX XXXX, {$900.00} and XXXX XXXX-XXXX, {$1900.00}. I did not open an account with XXXX XXXX or XXXX XXXX XXXX. The fraudulent checking accounts are not my checking accounts. The following credit inquiries listed on my Chex Systems Consumer Report are fraudulent and unauthorized : XXXX XXXX, XX/XX/2020 and XXXX XXXX, XX/XX/2020. I am a victim of identity theft and have been a victim of identity theft for over 20 years. Chex Systems has a current police report on file of me being a victim of identity theft.
Product: Credit reporting

All the major credit reporting agencies, Transunion, XXXX and XXXX XXXX, " rate shopping does n't always affect your credit score in the case of rate shopping for an auto loan, if shopping was done within a 14-45 day period of time ''. Then turn right around and use that rate shopping as a " credit factor '' on your report. Example : with Transunion they show my shopping with ( 3 ) different companies, all on the same date, as a " credit factor '' on my report, XXXX shows ( 2 ) of those same ( 3 ) as a " credit factor '' while XXXX shows again all ( 3 ). They then " lower '' your credit score and even show this as a factor calling ALL the above a " credit factor '' because they are " hard inquiries ''! I believe the reason for their having done this is because they ALL want you to apply with ONLY their preferred lending companies which they list within their sites. They even " direct '' your search to those companies as a " way '' for you lower the impact on your report by consolidation of debt with THEIR chosen companies. I would suggest that personally you try it yourself, using your own credit information by going to XXXX as an example, because they use reports from both XXXX and Transunion. I called, and complained to a Transunion representative who told me, " that 's just the way its done ''! The public who works hard, and relies on having fair credit reporting is being punished for having rate shopping, which should be the privilege of all of us!
Product: Vehicle loan or lease

On XX/XX/XXXX Called XXXX asking for a defer payment for the month of XX/XX/XXXX. I explained to the customer rep XXXX. I'm unable to pay my XXXX payment due to an unexpected finance I had to invest XXXX to replace my car key. Customer rep said that was not a reason to be placed on defer payment due to not enough resources given. 

On XX/XX/XXXX I spoke to another customer service rep XXXX at XXXX in regards to my defer payment for the month of XXXX. I explained to him what cause me to financially not be able to pay my car note the month of XX/XX/XXXX due to me having to pay for a keyless entry key which the atenna broke inside the key panel. Without my keyless entry key I would not have been able to operate vehicle. XXXX verbally mentioned that proof needs to be given for the cost of my replaced key and fax to them. XXXX also verbally mentioned for me to be placed on a defer payment I would have to pay first before I can qualify for a defer payment a " Commitment fee '' of XXXX in order to be granted a defer payment. 

I have been placed on a defer payment before with Veros Credit and have not paid a " Commitment fee '' of XXXX. If I'm asking for a defer payment it's because I'm financially not able to pay my car note for the month of XX/XX/XXXX. Veros Credit is  still retailaiting against me, and making a situation difficult for myself financially being a single mother. I'm also receiving numerous calls from Veros Credit every day, which is an hindrance on my work performance at work. I am not able to answer calls while I'm working due to the type of work I do. 

Do to previous complaints I have filed on Veros Credit ; I still have not recieved an idiomized receipt on insurance Veros Credit has added to my car payment. Veros Credit also mentioned in previous complaint I filed that the insurance that was added to my car payment is added in my contract until I pay off the car. How is it that an insurance policy added to my contract is now attached to my car payment until my loan is paid off? Veros credit mentioned that they were giving me 10 courtsey days after due date on the XXXX to give me time to pay my car payment. Veros Credit already gives a 10 day grace period which does not allow me to succeed with good credit. 

Veros credit still has not compromised with myself putting car payment back to the XXXX. My car payment was initially on the XXXX and Veros Credit took it upon themselves to change my due date on the XXXX. I am unable to pay my car payment on the XXXX of each month do to me having to pay rent the XXXX of the month. I have attached an old defer payment that was given from Veros Credit last year XXXX, and I was not charged a " Commitment fee '' of XXXX. I have attached proof of my receipt ; replacing my keyless entry key. 

I also have attached 2 days of harrassment calls from Veros Credit employees. I look forward to hearing from someone about my matter that has been on going for 3 years with the unethical values of Veros Credit. 

Thank you
Product: Consumer Loan

I have requested that Chrysler Capital send me all loan documents for my Auto Loan. They refuse to comply. I have offered to pay for copies of these documents ; still ... will not comply. They are hiding something, and I will find out. This is illegal and unethical on so many levels. What ever happened to loans being transparent for the consumer? Who knows what Chrysler is charging me if I can not see any documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I became aware of the possibility that my personal financial information had been stolen due to a large and successful hacking attempt against Equifax. In using their online tool, I was able to verify that I am among those affected. 

Equifax 's poor security was part of the problem, and it is necessary for CFPB and other involved agencies to act to ensure that consumers are protected, and that this does not occur in the future.
Product: Credit card or prepaid card

I have a Walmart Store Credit Card where I am being charged for goods I did not purchase and the store will not credit my account, issue me an accurate statement so I can make timely payments as I always have and keep the account open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a investigation request to Equifax on a delinquent account on my credit file, they responded back that they verified and that the account is correct ; I do not own the money the doctors office got paid by my insurance ; Equifax is not throughly investigating if anything they are calling the collection office but arent requiring any proof : the collection office doesnt communicate with the doctors office and vise verse ; now Equifax is just agreeing with the collection agency without properly requesting proof
Product: Debt collection

In XX/XX/XXXX I was served eviction papers due to a month of non payment, which we were withholding due to a breach of the lease that led to habitability issues. In court, we settled. We provided {$200.00}, and they let us out of the lease. All to be concluded by XXXX/XXXX/XXXX. One XXXX/XXXX/XXXX the case was dismissed by the former landlord as settled. Then the landlord, through a bogus company, submitted a claim to the debt collection company reported for {$1000.00}, There was no protocol in place for investigating what was clearly a fraudulent claim by this landlord, and this company in spite of never contacting me, had a derogatory mark placed on my credit report. They did contact me by phone, but never in writing ... and over the phone I expressed that this was an error. I sent them a copy of the lease and a copy of the disposition. ( They state they never received those, but do admit that I made it known that it was not accurate at that time ) They did not investigate when the fraud was initially perpetrated, and they did not any time subsequent for 6 years ... that 's right, they knowingly kept an erroneous mark on my credit report for 6 years. I now have a letter, they just sent it today via fax, that states that the account was turned to them in error and 6 years later, they will finally have it removed. There was never any written information provided until this very moment. As a point of issue, the letter they sent today was an address I held for two years and not a single letter came from them to this address. The claim was, according to the collection agency, supported only by a lease and a statement of non payment with no other verification sought or needed. I believe them to be initially grossly negligent before providing derogatory information to the Credit Bureau, but further had a duty to investigate upon first indication that the information was incorrect, in spite of their claim that they never received anything in writing. They WERE informed, and they actively chose to ignore this information. In doing so I believe they were willfully publishing incorrect information on my credit report, without providing instruction on appropriate dispute procedure, ignoring appropriate dispute procedure and ignoring federally mandated protocols for fair resolution which led to significant troubles gaining housing, medical care and employment. The fact that now they admit it was given to them in error, although they could have checked when initially notified but chose not to is inexcusable in this line of work, and a breach of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to remove this inaccurate account from my credit report. I do NOT owe XXXX XXXX any money nor was I ever late. My insurance company settled the balance, and this account was NEVER LATE. Delete this account from your database because it is harming my credit worthiness and preventing me from obtaining new credit.
Product: Credit reporting

On XXXX/XXXX/XXXX I contacted Experian regarding their reporting under Public Records of a balance on a Judgement which was satisfied on XXXX/XXXX/XXXX. They updated my credit report to show the Judgement as satisfied but they still show a balance of over {$12000.00} I asked them why they are still reporting an open balance when the Judgement was satisfied. Their response was to state they are reporting the Judgment as satisfied yet they still have not changed the balance on their report. When I contacted XXXX about the satisfaction of judgement they quickly and correctly changed the status to satisfied and updated the balance to zero. Experian has provided know explanation as to how they can still be reporting an open balance and yet also state that the judgement is satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is getting about as horrible as its going to get when it comes to being in violation of FCRA laws. The first thing they did was I sent out a certified request for them to verify who did they get their information from about a bankruptcy on my report. They sent back a notice that says they didnt have enough info to complete the request although I included all necessary identifying information that they needed, the letter was straightforward and fairly simple. Second, they are constantly removing INACCURATE personal information, addresses, etc. but placing it back on the credit file without sending notification within the 5 days like they are supposed to. And this stuff is coming from stuff that is already reported on the report so if its being disputed it clearly is inaccurate and a lot of it is beyond seven years old. Not only that, but they are also not verifying this information but rather placing it on the report no matter who it comes from. They were sent a letter on XX/XX/XXXX indicating that XXXX XXXX XXXX were to validate their account in which they have not and the 30 days have passed yet they have not removed them from the report. They have put a debt on my credit report from XXXX XXXX and these people have yet to send me any formal written communication about this debt, I still wouldnt know anything of it if it werent for credit monitoring. They are getting to be ridiculous to deal with and I dont have these many issues with the other two bureaus. As of today I am going to fully exercise my right to file lawsuits and whatever else needs to be done to bring them in line with FCRA guidelines
Product: Checking or savings account

On XX/XX/23 I logged in to my Wells Fargo Account to deposit a check vis the mobile app. Once I was logged on I discovered three transactions of {$1000.00} each made to two separate people using XXXX. All three transactions were not made by me, nor do I know who the subjects are. I immediately contacted Wells Fargo and made an identity theft and fraud complaint. Week later I received a letter stating that they determined I sent those transactions. I called and spoke to a representative who stated I used my mobile app to send the transaction. Ive called multiple times disputing their finding. I attempted to appeal their decision and was told I was not able to. Another representative confirmed my two numbers on my account. After receiving their evidence on how they determined I was at fault I reviewed all documents. It was determined that someone hacked into my account using a desktop computer added a Georgia cell phone number and transferred these transaction. After filing another executive complaint I have yet to hear back from Wells Fargo. I have also filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

( 3 ) To a person which it has reason to believe -- The accounts below hould not be reporting on my credit reports by law : AMEX ( Account numberXXXX ) opened XX/XX/2019 XXXX XXXX  ( Account XXXX ) opened XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address : XXXX XXXX XXXX XXXX, OH XXXX. I have attached my proof of ID. The following accounts are not mine I have never had an account with these companies : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law, I have sent a complaint to the FTC and the Secretary of State here in OHIO. The accounts is not accurate I have asked several times for contracts or documentation I have nothing in my records.
Product: Money transfer, virtual currency, or money service

On XXXX-XXXX-2017 I went into First Bank at XXXX and XXXX XXXX XXXX, XXXX, CO XXXX to initiate a wire transfer to a supplier in XXXX that I have been using for over 4 years. As you can see on the form attached that my supplier is located in XXXX and the beneficiary bank address is in the XXXX. I did not notice this. This threw up no red flags for this branch or the wire transfer department that it might be suspicious and it should have. I was not asked about this. 

I did get a confirmation via email from my supplier account rep once the transfer took place saying they recieved the transfer and I thought all was well and the order would proceed. Following up on my order last week and finding out last Saturday the XXXX they have no record of the transfe so I forwarded their emailed response from the day after the transfer saying that they said they got it. They got back to me today that their email had been compromised and all wire transfer information including accounts and address had been changed on the wire instructions used to send the transfer. Calling first bank today they did a trace on the funds and the funds are now gone from a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

The following accounts listed on my Experian and XXXX credit report are fraudulent and not my accounts : XXXX XXXX XXXX XXXX , {$100.00}, XXXX, {$0.00}, XXXX, {$4.00}, XXXX, XXXX {$170.00}, XXXX XXXX XXXX XXXX {$340.00} and XXXX XXXX XXXX , {$250.00}. I never applied for any of the accounts listed. The accounts dont belong to me and they are all fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.
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 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

The company XXXX  sold my debt to SEQUIUM ASSET SOLUTION and been in my credit for who knows what! Since I am trying to buy my first home to have a better credit, I decided to make a deal on the website for less one time payment, which I did and they took it off my credit collection and all I have the proof from XXXX. Surprise I woke up at XXXX at XX/XX/XXXXXXXX  with messages in my email saying Your Experian credit report has potentially negative info regarding a major derogatory action by SEQUIUM ASSET SOLUTION on XX/XX/XXXX. 
Note Review the details of the negative info here. Mind you I ordered a new card and the place is close to call in.
Product: Credit reporting or other personal consumer reports

Transunion has a hard inquiry by XXXX XXXX XXXXn which i did not give any consent to and is otherwise fraud.
Product: Credit card

I've been disputing a {$10000.00} credit card charge with American Express for months now, as this issue has been going back and forth with the dispute team for quite sometime. I had finally received a secure message on their website in XXXX regarding the inquiry indicating that the dispute had been resolved in my favor and it will be credited on my next billing statement in XXXX. While this was going on I had a revolving pay over time balance but because they didn't recognize the credit for the disputed charge they claimed my account had to be paid in full with a balance to include the {$10000.00} charge as it was now included into the balance and not recognized as a credit and was now overdue. They wanted to put me on a payment plan as I was not able to pay all this upfront in addition to the disputed amount that they claimed I didn't owe as per the secured message but now said they didn't recognize. I called and had many conversations with different customer service representatives about this and couldn't get anyone to make sense of it.
Product: Student loan

I recently completed the SAVE plan application which said my payments would be {$420.00}. The application was acknowledged by Nelnet and stated it was in process. Recently I was alerted via Nelnets online portal that my payment would be {$520.00}, which I cant afford and wasnt what the SAVE plan stated which Ive been planning for. This seems unfair and deceptive and contrary to XXXX.