23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am an XXXX American woman who has had a mortgage with Caliber Home Loans for a little over four years with no late payments nor missed payments -- an excellent paying customer. Presently, I have a credit score of XXXX with only a car payment and my mortgage and a few credit cards that will be paid in full with the proceeds from the sale of my house. I uploaded a copy of my XXXX statement stating that my IBR student loans has a XXXX ( XXXX ) payment and is in forbearance due to re-enrollment in school after medical leave. I was pre-approved back in XX/XX/XXXX and was told I could go up to {$210000.00} for a property I had planned to place a bid. That never materialized, and I found another one at {$230000.00} and called to see if that would work under the preapproval even though it was already set. When I called back and spoke with the loan consultant, he stated that my auto loan being paid in full was configured into the preapproval. That was never conveyed to me in XX/XX/XXXX - new information. 

So I emailed the branch manager about this, and he emailed me that because my student loans were in forbearance, they would have to use the 1 % rule. That is not correct. All my student loans are IBR and are in forbearance due to the Cares Act and the fact that I re-enrolled in school to complete my XXXX  dissertation and receive my diploma. Importantly, IBR student loans do not fall under the 1 % DTI rule. Thus, my home loan application is not being fairly evaluated even though I am an excellent paying customer for four years with Caliber Home Loans and my income has increased since I last applied back in XXXX for the present home loan I am carrying with XXXX, and my credit score has increased from XXXX to XXXX. The first time I spoke with the Caliber Home Loan consultant back in XXXX, he assumed I had bad credit and told me to call back at a later time.
Product: Credit card or prepaid card

XX/XX/2023, I made a payment of {$23.00} to Synchrony Care Care via Synchrony Bank over the telephone. 

The identification process went well. Less than XXXX minutes later I called to go ahead and order a new card as I had misplaced my present Synchrony Car Care Card, At this point the telephone number that I had given XXXX minutes ago was no longer valid. According to the representative the old phone number was still on the account that I had had over 3 years ago. 

This is not true. Over XXXX years ago I took off the number XXXX. For over 2 years. I called and changed the number with a representative and never used that number again during the past XXXX years. 

I have been giving my correct number as XXXX which has always been identified until this person name XXXX and XXXX accepted my calls. 

XXXX and all related Synchrony accounts has my telephone number as XXXX. The other number should not have been on my account, XXXX. 

Both seem to not care if I remained a consumer or not. 

There is something very wrong here as my number has been the same for nearly 2 years and I have never ever had this problem with authentication. 

The call can be pulled where I made a payment and stated that I may have to call back to secure a new card as I could not find the old card. 

XXXX, verbally attempted to belittle me when I asked him to repeat his title. 

I could not get a new card sent to me. 

At this point, I will not be responsible for any charges made on this card number.
Product: Credit reporting or other personal consumer reports

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Wells Fargo Bank XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Notice of Transaction Dispute and FCRA Compliance Dear XXXX XXXX, I trust this letter finds you well. I am writing to formally dispute a transaction on my account, as well as to invoke my rights under the Fair Credit Reporting Act ( FCRA ) to ensure a fair and accurate resolution of this matter. 
The disputed transaction is as follows : - Transaction Date : XX/XX/XXXX - Transaction Amount : {$350.00} - Transaction Description : Purchase Authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX -Dispute ID : XXXX I am aware that the FCRA, under Section 611, grants consumers the right to dispute inaccurate information on their credit reports, including transactions on their accounts. Therefore, I am formally disputing the accuracy of the aforementioned transaction and requesting a thorough investigation in compliance with the FCRA 's requirements. 
I have enclosed copies of relevant documentation in previous emails that support my claim of the disputed transaction. I am also aware of the FCRA 's provisions under Section 623, which require accurate investigation and prompt resolution of such disputes.

In accordance with the FCRA, I am requesting the following actions : 1. A comprehensive investigation into the disputed transaction.

2. Prompt correction of any inaccuracies found in my account records.

3. A corrected account statement reflecting the accurate transaction history.

Furthermore, I expect written confirmation of the resolution and correction, as required by the FCRA 's provisions regarding consumer notifications. 
Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation from my end. I am fully committed to cooperating in the dispute resolution process in compliance with the FCRA.Thank you for your prompt attention to this matter and for upholding the standards set by the FCRA. I am confident that we can work together to ensure an accurate resolution of this dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I have excellent credit it was XXXX with Transunion. I recently charged a vacation for {$5100.00} and my credit used went from 2 % to 7 % and my credit dropped 22 points. I called them to ask as my 7 % of credit used is excellent. The charge was made on Monday XX/XX/26 and I plan to pay off the credit card to today. I have not had the debt for a week and they drop my credit 22 pts. I think this is wrong. When I pay the card off my credit will not likely go pack up to where it was.

I really think the government need to look into these bureau 's and see how their algorithm works. It is not fair to consumers. My Credit rating with XXXX  is still at XXXX. Thi

s is a 40 pt discrepancy which is a red flag between bureau 's in my opinion. I want to know how the calculate and why the impact on a charge that I pay off after a week is so much. This effects a lot of people and it is not right. They should be able to explain why it dropped so much because in my situation all my payments are on time and everything is excellent and good standing. The expectation of Americans is that you protect consumers. Based on this issue millions of people can be affected and forced to pay higher interest rates who don't have as high of credit scores. I understand that some people have bad credit and they should have impact but I and others have good credit, pay off balances should not be impacted 20 pts on one charge that is paid off in a week. I would like to have some type of response that you are looking into this because its wrong to have such a dramatic impact on one charge that uses barely any of my available credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All XXXX major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Debt collection

I am writing to you to complain about First Federal Credit Control XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have found adverse account information listed on my credit reports, mainly XXXX. I have no known or verified accounts with this business and after repeated verification request FFCC has not responded to my certified letters and continue to report to XXXX  in violation of federal law. This company unlawfully reported to XXXX  as resent as XX/XX/2019. First Federal Credit Control has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to at least one of the three major credit bureaus ( XXXX  ). The two erroneous accounts are in the amount of {$310.00} {$150.00}. The accounts are erroneous, inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact First Federal Credit control multiple times via registered USPS certified mail with return receipts which prove FFCC has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with the credit bureaus and the credit company. This is a fraud account, i did not co sign a loan. I have disputed this account 3 times and the credit bureaus have refused to remove this account from my credit file XXXX has also re-inserted the fraudulent address back onto my credit file exposing me to more fraud. the account is as follows XXXX XXXX XXXX XXXX XXXX THE FRAUDULENT ADDRESS IS AS FOLLOWS XXXX XXXX XXXX, XXXX MI XXXX I HAVE INCLUDED THE POLICE REPORT AGAIN
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keep reporting that I am behind on payment on a service that I dont even have with them. I have tried multiple months to dispute this with experian. I disputed this as soon as it hit my record in XXXX, then XXXX amd most recently XXXX experian says that XXXX XXXX keeps saying that its my account because XXXX XXXX keeps saying so. Thats not the case. I need this case resolved. I got denied a loan because of the negative impact that XXXX XXXX  keeps reporting. I called XXXX XXXX only not being able to talk to any of their fraud department because she calls kept dropping while being transferred from one agent to the next in middle of XXXX. I need help with this as soon as possible.
Product: Credit reporting or other personal consumer reports

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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 relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX ) Balance XXXX {$3700.00} ; XXXX XXXX XXXX XX/XX/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
Product: Checking or savings account

So I got a online bank account an deposited my check there an they decided to close my account. It's been 3 months now an they just keep giving me the go around. Never the same answer I really need My money
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my FTC report that I filed as well for Identity theft.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX 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 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 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 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 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
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, Transunion, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Credit reporting or other personal consumer reports

I have made several attempts to dispute inaccurate accounts on my credit report with both XXXX and Equifax, including sending multiple letters outlining my concerns. Despite these efforts, neither credit bureau has provided me with any meaningful information or verification regarding the disputes I raised. 

It appears that both XXXX and Equifax have processed my disputes using an automated system called XXXX, which scans the letters without providing a thorough investigation or verification of the disputed information. This is not sufficient under the Fair Credit Reporting Act ( FCRA ). As a consumer, I am entitled to receive clear verification of how they determined the accuracy of the disputed items. 

To date, no adequate response has been provided to explain how the credit bureaus verified the information on my report. I am requesting that they fully comply with my legal rights and conduct a proper investigation into the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a call from my XXXX XXXX XXXX XXXX phone number claiming there was fraud on my account. I asked them to verify my identify, so she stated my name, social security number, and address. I felt safe to proceed talking to her because the information stated was correct. She verified my identify by sending a code to my phone which I repeated back to her. I did not know that this individual was a scammer and the code I repeated back to her gave her access to my XXXX XXXX account. She then had access to my apple XXXX. The scammer opened an Apple credit card with my identify that same day. 

On XX/XX/2022 I called XXXX XXXX XXXX XXXX to verify the call and they did not verify it. I determined I had been scammed and began to process of shutting down my bank accounts and credit cards and opening new ones. I almost placed a freeze on all 3 credit bureaus, changed my primary email address, signed out of all my apple devices and created a new apple XXXX and changed all my passwords. My XXXX XXXX XXXX XXXX debit card was charged {$1000.00} which they are currently disputing and has credited me this amount as of XX/XX/XXXX. 
I called Apple and reported the credit card fraudulently opened in my name of which they are investigating now. I believe the case number is : XXXX Apple Credit Card is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX which they asked me to send my complaints and reports to this branch to speed the process of shutting down the fraudulent credit card. They reported to me the individual had spent a {$1000.00} on the credit card and then they paid off that amount. The card currently had a {$5.00} balance on it when I talked to Apple.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 i found out that i was a victim of identity theft. i have sent my request to have this account from navient removed as it does not pertain to me. i have never attended this school nor have i ever applied for this loan. i have contact navient and all the three major credit bureaus in regards to this fraudulent account i have submitted all supporting documents myself. i have also sent my personal information to verify its me sending the documents and not a credit repair shop.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received a text from Bank of America asking if I recognize a XXXX payment in the amount of {$1000.00}. When I indicated no, then a received a call from an individual introducing himself as a BOFA employee. Based on the conversation I was advised my account was hacked and needed assistance to reverse the money. 

I was scammed for {$3500.00}. On XX/XX/2023 I immediately contacted BOFA and reported that I had been scammed. Received a letter dated XX/XX/2023 from BOFA informing they were unsuccessful at recovering the funds. 

We have been customers with BOFA for 35 years. 

Thank You in advance for you cooperation in this matter.
Product: Credit card or prepaid card

In XX/XX/2019, I received an email regarding my Wells Fargo credit card that my records have been changed to reflect an address change. The email went on to say that if I had not requested an address change to contact them immediately. 
I did so and the first representative, obviously in training, responded in a very cheery voice that he would look at my account. I stopped him and politely told him this matter was not a cheery event and to please not read from a script but to listen to my situation which I considered serious. After a long time on hold, the rep came back and explained that they received a notice from the post office of an address change. I explained that I have lived at my house for 18 years and my mortgage is with Wells Fargo as well. It seemed that he didn't know how to respond to what I just said and he repeated himself by saying when they get notice from the USPS, they must change the address. I asked for a supervisor and once she got my information and situation, she also gave me the same explanation of why my credit card address was changed. I was appalled that Wells Fargo would train employees to do a change of address with so little confirmation from the actual customer! 
In this time of protecting against fraud and identity theft, Wells Fargo using a notice from the USPS to change the address from a credit card account without verifying first is inexcusable! 
This is exactly why customers must be vigilant!!! I can not believe this happened. I am very upset. This is absolutely careless of Wells Fargo. I am responsible in keeping my credit in good standing and for Wells Fargo to have jeopardized this is outrageous!
Product: Credit reporting, credit repair services, or other personal consumer reports

Well over 30 days ago, my wife and I submitted credit investigation requests to the credit bureaus. They should have responded by now, but they have not.