23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I wrote synchrony bank/ Chevron XXXX XX/XX/2022, to request a goodwill adjustment on an account showing XXXX late payments. They wrote me back stating they can not honor my request. However, after doing some research in consumer law, I have come to realize that it is and was synchrony bank/ chevron obligation to remove the late payments. According to title 15 USC 1666b ( a ) A creditor may NOT treat a payment on a credit card account on a open end consumer report as late for any purpose. And according to title 15 USC 1681a ( 2 ) ( A ) ( i ) A consumer report DOES NOT include transactions, including late payments or experiences between the consumer and creditor or person making the report. Therefore, synchrony bank/ Chevron has violated my consumer rights when this account was opened by reporting late payments to the credit reporting agencies. They are still reporting these late payments today. If the removal of the late payments is impossible due to the account being closed, I request that synchrony bank XXXX Chevron CEASE REPORTING THIS ACCOUNT TO THE CREDIT REPORTING AGENCIES. I also know that any creditor needs my written consent to report my information to credit reporting agencies. The violations they have incurred is {$1000.00} each. I have enclosed my invoice for the violations. I will settle for payment of {$1000.00} of the invoice charges ONLY if synchrony agree to REMOVE ALL LATE PAYMENTS. IF THEY CAN ONLY DELETE THE ACCOUNT, I WILL SETTLE FOR {$2000.00} in monetary relief for violating my consumer rights. IF THEY CAN NOT COMPLY WITH ANY OF MY REQUEST CONCERNING THE REPORTING OF THIS ACCOUNT, I WILL NEED {$4000.00} for the violations. Please Make check payable to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to Equifax letting them know that I was unable to obtain my free credit report from them. Instead of sending me my report, they are pretending they cant identify me even though I sent over all of the necessary documentation. 

See attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX, XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, under the fair credit reporting act 15 U.S.C 1681 Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumers from the misuse of their credit information. It also ensures that consumer reports are accurate and private ALSO 15 USC 1681i ( a ) 6 ( b ) 3 challenges investigation protocol and 15 USC 1681i ( a ) ( 5 ) B challenges reinsertion protocols
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023, XXXX XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXX and Experian. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX XXXX. 

i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX XXXX  did not verify my debt validation, and which shows XXXX XXXX XXXX XXXX  has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously.
Product: Debt collection

On XX/XX/XXXX I received a phone call from ( XXXX ) XXXX on my personal cell phone. I didnt recognize the number so I didnt answer. They did NOT leave a voicemail. Moments later the same number called my work and women on the phone explained that she was trying to collect a medical debt. I explained that I can not receive calls at work and she needed to contact me at home. I then hung up the phone. She called back immediately and asked to speak to the HR department. I told her she was out of line and hung up on her again.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : TD XXXX XXXX Account Number : XXXX Date of Late XXXX Nature of Complaint : On XX/XX/year>, I submitted a dispute to Equifax disputing a late payment reported by Equifax. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I have never made a late payment to this company. 
I finished paying my loan in full. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, there has been incorrect address associated with my credit report. Below I have listed the addresses that have been incorrectly reported on my credit report. 

Address : XXXX XXXX XXXX XXXX XXXX, IN XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, WA XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Address : XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Vehicle loan or lease

Aside from the many issues I have with Santander reporting incorrect information regarding the status of the account and the fact that I never received the rights to cure nor the notice of sale, items were stolen out of the vehicle post repossession in writing to the correct address I also have an issue with details unexplained regarding a response to a complaint in this forum. One of the things is a {$970.00} misc charge and the other is the fact that I am a victim of predatory lending by Santander. There is a {$550.00} XXXX dollar lawsuit that Santander agreed to forgive debts of consumers due to their bad business practices and predatory lending. Attached is a link regarding the settlement via the Attorney general. 

https : XXXX
Product: Mortgage

In XXXX of 2018 I had my wife apply for a refinance loan on our home with Wells Fargo. We were told that it would cost us XXXX for a appraisal fee. About a week later when we asked about who we had to use because they were suppose to let us know, they told us no worries they had done something called a quick appraisal. And it would only cost XXXX. So I asked what they did with my money for the appraisal. Their response was that they would just put it on the end for the fees. Which we had been told they would roll it over into the loan and we wouldn't have any. What bothered me the most is that they didn't seem to want to tell me about this because they had done it at the beginning. And I had to ask before I even knew what was going on. I think they need to let their customers know whats going on. And I was very upset. I cancelled the loan process, and they kept giving me the run around about giving me my money back. They finally sent the difference back from the quick appraisal.Which honestly I shouldn't have had to pay because I didn't ask for it, or wasn't even told anything about it. I think Wells fargo has a lot of issues with their employees, and how they handle their customers. I would have reported this earlier but didn't know where to report it. They knew I was XXXX, and had a hard time understanding, and that my wife had to help me. So I feel like I was taken advantage of due to this fact.
Product: Mortgage

Wells Fargo was supposed to review our complaint on case # XXXX by XX/XX/XXXX. This was n't long enough to decide what our escrow shortage was, so they extended the review to XX/XX/XXXX. This date has now expired and Wells Fargo still can not determine the actual shortage of our escrow. We had a shortage of {$6.00} in XX/XX/XXXX when our property/school tax was paid. For XXXX, we have a projected shortage of {$41.00} due to a slight increase in our homeowners insurance. We are willing to pay the XXXX shortage of XXXX, and the projected shortage of {$41.00} for XXXX as two separate checks. Wells Fargo has calculated a projected shortage of {$62.00}, but then increased our mortgage payments to indicate an increase of {$100.00} for XXXX. When I was finally able to get XXXX on the phone on XX/XX/XXXX, he asked me how I calculated the amount of {$41.00}. I explained it was simple math. I added our current escrow of {$390.00} for 12 months, which equaled {$4700.00} and subtracted that number from our total taxes for XXXX which equaled {$4800.00}. The difference was {$41.00}, not {$62.00} or {$100.00}. I 'm not sure why it is taking XXXX so long to calculate, but our mortgage was due XX/XX/XXXX so we would like resolution on our escrow.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; Speedy Cash XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Requesting all derogatory accounts be removed from all credit reporting agencies immediately.
Product: Checking or savings account

When I closed out my account at Wells Fargo Bank approximately 4 years ago, evidently I had a charge that came in after the closing for {$83.00} of which I had no idea of and had no notification of it as well. When I found out about this a couple of months ago it was because I was refused a bank account being opened for me at another bank and this showed up on my report from the bank for the reason I was denied. If you can believe it, the amount had grown to over {$800.00} with the interest that has been charged over this 4 year period and I refuse to pay the {$800.00} but I did offer to pay the {$83.00} to no avail when I called Wells Fargo to inquire! The actual person I spoke with told me the details and revealed, as stated above, that it was for {$83.00} originally but had grown to over {$800.00} because of all the interest added on by Wells Fargo!
Product: Student loan

I applied for the PSLF program and was only credited for payments made since XXXX, even though I have been paying it since XXXX. They will not respond to my queries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information. Chapter XXXX Bankruptcy Discharged XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keep failing to remove the last account on my report that has already been disputed won and removed on the other 2 main reports and continue to violate me alone with that my loan approval have sunk due to his lie i in return should have L1 credit on all 3 report instead its only on 2 please get them to contact me before i seek a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD ALERT! Credit Inquiry Removal/DELETE Request I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized : BB & T XX/XX/1919 and XXXX XXXX XX/XX/1919 19
Product: Debt collection

As of XX/XX/2019 : Portfolio Recovery Associates, LLC continues to refuse to provide me proof of signature, proving that I have a line of credit with their company. I do not and they do not have proof of signature of any contract of a line of credit with them. Furthermore, the two companies they are claiming they have bought debt and that I owe them money, XXXX XXXX and XXXX XXXX, Both companies, XXXX XXXX and XXXX XXXX also do not have proof of a signed contract between me and them. NO ONE has proof of a phone call/application being made, video surveillance of an application being made, proof of my legal signature. They don't even have my legal name, the way I apply for and sign all documents : XXXX XXXX XXXX. 

I have been going round-and-round with Portfolio, XXXX, XXXX, XXXX XXXX, XXXX and XXXX for over a year while fighting XXXX. I do not own these accounts. I never opened these accounts. Under the law, I have the right to sue for {$1000.00} for defamation of character for each offense. That is indeed my next step if ALL COMPANIES do not immediately remove these accounts from ALL credit reports and send me a letter of apology, removal and a check for {$1000.00} per report. FCRA 623 and FCRA 609 I am grouping all of this together. I want XXXX removed. I want XXXX removed. I want all Portfolio Accounts removed. FROM ALL CREDIT REPORTS. I willing to now follow through with law suit and my request for financial payment if they simply close and REMOVE all accounts IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


Account : XXXX  XXXX Type : Check credit/Line of credit Amount : {$2100.00} Reason : This account does not belong to me. I did not authorize or verify opening of this account. I have submitted several disputes with the credit bureau requesting additional identifying information and the company has not provided any information that ties this account to me. This account needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have submitted more numerous SAVE applications and never heard back from Student Aid or Ed Financial, my servicer. I can not afford my XXXX payment. I have sent email and waited on calls to access an adviser and can not reach anyone. Online it says that my applications are complete and done, but my monthly cost is hundreds of dollars even though I make around {$30000.00} right now. I submitted an application weeks ago and continue to not hear back. I do not know what to do or how to get help.
Product: Money transfer, virtual currency, or money service

On XX/XX/22, a XXXX XXXX asked to borrow my phone and somehow sent money to an account using XXXX through my Wells Fargo banking application. After almost three weeks, Wells Fargo deemed this case as not being criminal since it was done through my phone. Out of good faith I allowed the person to borrow my phone, and Wells Fargo refused to help me recover my money. It seems as if there was no thorough investigation done externally which is unacceptable.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX, XXXX. XXXX. Please delete this account ASAP.
Product: Credit reporting or other personal consumer reports

Last year, I submitted a dispute to XXXX XXXX regarding the inaccurate Bankruptcy reporting to my consumer report. 

I asked them to verify the furnisher who reported this information on me. 

They confirmed they received the information from XXXX 

I then reached out to XXXX  to confirm how they received this information and how they verified it was accurate. 

I also reached out to the court listed to ask if they provided this information to XXXX or XXXX XXXX. 

The court confirmed they do not provide any information directly to consumer reporting agencies or XXXX. They also said they do not verify the accuracy of information being reported. 

XXXX is not the entity who can verify this information being reported accurately. Because they are not the original source of this information. Only the court can do that. 

Since the court has confirmed that they did not provide this information to XXXX XXXX. They also confirmed they did not verify any information with XXXX XXXX. 

When I reached out to dispute this information, XXXX XXXX completed their re-investigation and responded back saying this information has been verified. 

Since the court ( the original data furnisher of this type of information ) did not furnish this information to XXXX XXXX nor verify this information. 

I need this inaccurate bankruptcy removed from my consumer report, it is reporting falsely and tarnishing my credit.
Product: Debt collection

I received a voicemail from a XXXX XXXX. She left no identifying company that she worked for, but said that she would need me to be available on Thursday at my residence with a valid ID to " sign for certified documentation. '' She gave me a claim number, and a phone number to call the " mediation office. '' The voicemail was threatening in nature, and said that she would be at my home on Thursday with legal papers unless I called the mediation office and they gave her a " stop order. '' I immediately phoned the number that she gave me to the mediation center, and got the voicemail of someone named XXXX. There was no last name, and no identifying what company or entity he works for. I left him a message that they are no longer to contact me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX : {$0.00}
Product: Debt collection

*Contacted SYNC/Amazon on XX/XX/year> to request 1099-C in the amount of {$1400.00} for " Charged Off '' account. Company stated that they did not have 1099-C for this account. 
*Contacted XXXX XXXX on XX/XX/year> to request 1099-C in the amount of {$390.00} for " Charged Off '' account. Company states that they are unable to provide the 1099-C. 
*Contacted XXXXXXXX XXXX on XX/XX/year> to request 1099-C in the amount of {$1100.00} for " Charge Off '' account. Company states that they are unable to provide the 1099-C. 
*Contacted XXXX XXXX on XX/XX/year> to request 1099-C in the amount of {$1600.00} for " Charged Off '' account. Company states that they are unable to provide the 1099-C.