23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit card

Hi, my name is XXXX XXXX and on XX/XX/XXXX I was the victim of a XXXX XXXX. I received a text and a link claiming to be the XXXX XXXX, saying that I needed to provide my XXXX XXXX and credit card number to purchase extra postage for a package that needed to be delivered. 
Later that day, XXXX purchases were made without my approval. My credit card called me because of the XXXX  activity. The purchases were made in the states of XXXX and XXXX. I live in XXXX and have never been in either of those states. 

My credit card company 'initially ' reimbursed the charges, started an investigation and issued me a new card. However, on XX/XX/XXXX I received a letter from my credit card stating that after their investigation I was responsible for XXXX of the charges. 
The charge they investigated was for XXXX from XXXX XXXX XXXX. They sent me " proof '' of the receipt claiming that a " XXXX XXXX '' ordered the items online and picked them up in the store with a photo ID. He apparently gave the email XXXX and the address XXXX XXXX XXXX without a XXXX or a XXXX. 
** I am not related to, nor do I know, anyone named XXXX XXXX! 

My address is actually XXXX XXXX XXXX 'XXXX  XXXX XXXX XXXX XXXX XXXX. ' The other charge was from XXXX XXXX for $ XXXX charge is still " under investigation ''. I didn't make these charges, I didn't approve 'anyone ' else to use my card, and there is no " XXXX XXXX ''. 
They also informed me of 'conflicting ' informatoin pertaining to this package being both 'delivered ' to my address, but also 'picked up ' at a XXXX XXXX XXXX XXXX location somewhere unknown. It would seem to me that XXXX XXXX XXXX XXXX would have a video of this transaction which would clarify my case. 

* I want these charges dropped. The credit card company isn't doing enough to resolve my case and appear to be aloof and dismissive about my situation. 
I have filed a report with the local police as well today with XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX Department ( Badge # XXXX - Case # XXXX ) Thank you so very much for your attention to this matter. 

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

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

To : CFPB From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Sir/Madam : Preface : I am a Victim of Fraud and Identity Theft. Since XX/XX/XXXX, all three credit bureaus placed credit freeze and fraud alarm on my credit report, CRA 's has also been notified by the agencies. 
The credit freeze/fraud alert remains present. 
I would like to lodge at dispute and complaint against my Bank 's unlawful, illegal, unethical, unfair practices. 
The Bank has been violating my consumer protection rights under CFPB and FDIC regulations for Fraud and Identity Theft Victims. 
The Bank neither handled or followed up CFPB guidelines for handling and protecting consumers against unauthorized and fraudulent charges. 

For over two years, the Bank has been collecting payments, charging interest and late fees on all Fraudulent Disputed Billing amounts. 
Hense, the bank also has been charging my Debt based on Identity Theft. 

The Bank never notified me about actions and/or results of their investigations on disputed charges. 
Beginning on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, the bank opened four Different credit card accounts without my consent, and using my identity, I did not use Discover card during those months. 

Beginning XX/XX/XXXX, the cards that were opened are : XXXX XXXX and XXXX were both used at the same time. 
XXXX XXXX and XXXX were both used at the same time XXXX XXXX and XXXX were both running at the same time XXXX and XXXX were both used at the same Finally, some of my disputed bills have been reported delinquent when my account has been in good standing. 

I need your help to resolve these issues. 

PS I will be sending this dispute to the FTC, FDIC, Attorney General, XXXX XXXXXXXX XXXX etc. 

Sincerely. 
XXXX XXXX
Product: Checking or savings account

When I attempted to apply for an online account with BMO Alto I was denied. When I called there is no path forward, nothing to do. The email I received stated no reason but encouraged to apply again if there could have been a mistake. So the second time my husband applied as the account owner and me as the co-applicant. He was immediately approved and I received the invite to apply as co-applicant. As soon as I completed my application I was denied. No reason for the denial in the email received. So I spent over an hour on the phone this morning waiting for customer service and trying to get a path forward. They told me there must have been a mistake in my information, so we went over all of it and it is all correct. They told me my identity could not be verified and therefore I was denied. When I asked what I needed to look into to find where the misunderstanding is I was told there is nothing to be done and that they could not verify my identity therefore I could not have an account with their institution. As an employee of the Department of Defense, I know that my record is clear and there are no issues. Yet, they just stated I was denied and that my husband could manage the account and I could be a beneficiary. I responded that it wasn't acceptable for us and that we both needed access to our account as equals. Then I was told there was nothing they could do, therefore they basically have excluded me from their services despite the fact my record is pristine and my credit is stellar. Would like a resolution. If I can not be on the account we will not be transferring a XXXX into the institution.
Product: Mortgage

So, 1st I applied for a pre-approval for property XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I was pre-approved for XXXX. Then the loan officer, XXXX XXXX & I finally spoke in regards to my pay stubs & W2 forms which I provided via downloan on the Wells Fargo website. I was first told by Mr , XXXX XXXX that I needed to show paystubs for XXXX positions I had done the last 2 years at least. The application process was moving along. Next moment I knew, I was being discouraged from keeping the loan application open until being able to show proof of additional income via my XXXX  XXXX. I became susicious that " politics '' was being done against my mortgage application by having my loan officer, Mr , XXXX threaten or some thing ... He begin responding differently to me in phone conversations then before. One conversations he stressed that he didn ; t know why I wanted to keep the application open. The next phone conversation, he didn't want me to close it ... 
Anyway, I did another mortgage loan application for a pre-approval, adding my XXXX year old daughter on it. By this time, Mr. XXXX XXXX seems as if he couldn't wait to get out of being my loan officer for whatever was going on or coming against him ... The next loan officer had hurry to send our application to the underwriter without having even heard from either my daughter or me! He reported to me once I finally got in touch with him that my daughter 's credit score was too low or that she owed things. When I asked him why he hurried to send the application to the underwriter after stating to me on a recorded phone line that he didn't think it would be approved due to my daughter 's low credit score, he stated that it was the process despite my former loan offixer having left my application open for almost 2 weeks or so. 
Now I am receiving letters from two different addresses for Wells Fargo Home Mortgage Departments, stating that they are still investigating this based on a survey I did in regards to this. One letter from Wells Fargo Home Mortgage, XXXX XXXX   XXXX XXXX, XXXX XXXX, IA XXXX is still stating that the application is still being investigated while otherletters from, ( what looks like a frauded logo of Wells Fargo, showing lack of coloring of the original burgandy-like & gray coloring by only being all grayish coloring ), is stating that the investigation was already determined as of XX/XX/2019. That nothing suspicious or wrong was done ... Which one is it? This letter also is using an incorrect property address which is showing as : XXXX, PA XXXX. ( I am unsure if it's a fill-in proeprty address, but, it's not the property I want. ) My application date was originally for XX/XX/2019, I believe. This is what's happening with this. The 2nd home mortgage application was pre-approved for {$160000.00} with my daughter & me. It seeems that someone ( s ) is trying to slow down our loan application process. 
The app
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax multiple times to get a copy of my credit report. 
I need a copy of my Equifax report to qualify for a mortgage. Equifax states they do not have credit file for me ; The last updated credit report is dated XX/XX/2020. When I look now, my entire has been erased. 
They say its a computer glitch and are not aware how they can fix it ; I only get out of the country customer representatives. 
I do not have freezes or or anything like that on my account. 
I don't know what to do. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

SO this is ridiculous, because after filing over 15 complaints with Trans  Union, XXXX and XXXX, my credit was at XXXX score but when their faulty lack of due diligence caused the fraudulent inquiries and accounts to happen, the score dropped over 4 points and even more on my credit. Then I file complaints, wait over 4 months for the credit bureaus to get their act together, and remove the fraud inquiries and then my score only goes up ONE ( 1 ) XXXX point. That is totally unfair for each bureau to falsely report fraud in the first place and then have jurisdiction over scores and refuse to bring them back to where they were. That is incredibly damaging to my credit still and causing me to lose my chance to own a home. After these numerous complaints being taken so lightly, I am going to the news with this because the credit bureaus are causing too much negative impacts on people and have ruined my hard work.
Product: Mortgage

We are furthering our complaint because Ditech has not comply with contacting us. We need to clear up the late payment marked on our credit. XXXX was attempted to be paid and we did everything we were instructed to do. We understand misunderstandings but we have never once been late on a payment and do keep in contact. I would appreciate any form of making steps to fixing our credit. We payed for over a year straight without late payments and have records from my phone service that we did indeed have contact with someone about XXXX. This needs to be cleared up I will keep making complaints until we get contact from Ditech.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX  - XXXX - {$27000.00} XXXX  - XXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXX XXXX XXXX - {$1100.00} XXXX XXXX  - XXXX - {$1000.00} XXXX  XXXX - XXXX - {$340.00} XXXX  XXXX - XXXX - {$0.00} XXXX  XXXX XXXX XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Debt collection

national credit systems sent letters threatening to report accounts unpaid to XXXX, XXXX, and XXXX if I did not pay a supposed debt. I wrote a letter to them explaining that I have no account with them nor was I a customer, nor have I entered into a contract with them, nor was I aware of any debt due to their company. And that I dispute the validity of the debt. 
I request verification with the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business in my state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

7 ) Provide the original application with original or electronic signature.

8 ) Provide full payment history from the original creditor.

9 ) Provide the original agreement that shows you legally own and are legally allowed to collect this alleged debt. Must provide original creditors name and address.

I advised that Pursuant to 15 USC 1692g, they have 30 days from receipt of the notice to respond. That their failure to respond, on point, in writing, hand signed, and in a timely manner, would work as a waiver to any and all claims in this matter, and will entitle me to presume that they sent the letter in error and that the matter is closed.

I also demanded that they remove any and all accounts reported to all credit bureaus, and stop any and all collection attempts at once.

I did not receive any response within 30 calendar days, however, the debt has been reported to all 3 credit agencies as a delinquent debt.

Looking at my credit report 90 days later I found that National credit systems had reported a debt of {$4200.00} to XXXX, and XXXX.
Product: Mortgage

To Whom It May Concern, I am filing this complaint against XXXX XXXX and XXXX XXXX due to their failure to provide proper notice of my mortgage transfer, as required under the Real Estate Settlement Procedures Act ( RESPA ), and for the transfer of my loan to a lender with a history of regulatory actions. 

Violation of RESPA Notice Requirements Lack of Timely Notification : My mortgage was transferred from XXXX XXXX to XXXX XXXX, with a transfer effective date of XX/XX/XXXX. 
The notice from Flagstar Bank was dated XX/XX/XXXX, but I did not receive it until XX/XX/XXXX. 
There was no postmark on the envelopeonly a barcode labeled XXXX XXXX ( my ZIP code ). 
This delay effectively gave me less than 15 days ' notice, which violates RESPAs 15-day requirement for mortgage servicing transfers. 

Issues with XXXX XXXX Payment Processing : Upon calling XXXX XXXX on XX/XX/XXXX, I was informed that my account was not yet set up in their system and that I could not yet make a payment, and it would not be until " sometime after XX/XX/XXXX ''. 
They stated there would be a grace period, but I have not received this in writing. 
Without written confirmation, I am concerned about potential late fees and damage to my credit due to processing delays that are out of my control. 

Concerns About Transfer to a Sub-Par Lender XXXX XXXX transferred my loan to XXXX XXXX, a lender with a significant history of consumer complaints and regulatory violations. 

Recent Actions Against XXXX XXXX : In XXXX, the Consumer Financial Protection Bureau ( CFPB ) took enforcement action against XXXX XXXX ( formerly XXXX XXXX  ) for multiple violations of federal mortgage servicing laws, resulting in a {$91.00} XXXX settlement. 
In XX/XX/XXXX, XXXX XXXX settled another lawsuit for {$5.00} XXXX, after regulators from all XXXX states alleged misconduct that harmed borrowers, including wrongful foreclosures. 

Given this history, I am concerned about the quality of mortgage servicing I will receive and the increased risk of errors, misapplied payments, or improper fees. 

Requested Resolution Require XXXX XXXX to provide proof of mailing for my transfer notice, given the lack of a postmark. 

Ensure that XXXX XXXX provides me written confirmation of any grace period for payments to prevent any late fees or credit reporting issues. 

Investigate whether XXXX transfer to XXXX XXXX was in the best interest of borrowers, given XXXX XXXX history of regulatory violations. 

I request a formal response addressing these concerns. Thank you for your time and attention to this matter. 

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

Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report. Please delete the following accounts. 
OLLECTION XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} CHARGED OFF XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.
Product: Credit card

Someone stole my credit card information. Over a three day period, they made close to a dozen charges and tried to make a payment from a new checking account. I filled out the affidavit and completed all the information that they emailed me. I sent all of the information that they requested. They shut my card off and issued a new card. I have been trying to call, daily, to see what charges have been reversed. I keep getting different answers. Now, I am unable to login to check my balance online or by phone.
Product: Checking or savings account

My Discover Bank account was closed and I need to get my money back. Someone from the bank called my wifes phone which was not attached to this account. Told her their was suppicious activity on the account. She said she had no Discover account. Needless to say Discover closed my account under suspicion of fraud. I called and they keep telling me I can not get the money back. The State has to get the money for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting the incorrect credit limit amounts on the XXXX XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX/XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting of the credit limits is hurting my credit score. Please remove these line items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year.. I need this problem fixed asap i will not wait another 45 days to receive no response because clearly yall disregarding me. I still haven't heard back from Experian, XXXX, and XXXX.
Product: Credit reporting, credit repair services, 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.

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, 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 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.