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

XXXX  IS REFUSING TO EXCEPT ANY PROOF OF POLICE REPORTS AND COURT DOCUMENTS AND MEDICAL RECORDS SHOWING THAT XXXX XXXX AND DISCOVER CARD ARE FRAUD ACCOUNTS! THEY HAVE VERIFIED ALL DOCUMENTS AND STILL WANTS BLOCK THOSE ACCOUNTS AND DISCOVER CARD WAS SUED IN XXXX COUNTY COURTS AND NEVER SHOWED UP FOR COURT AND BOTH LEGAL TEAM FOR DISCOVER WERE SERVED. IM A RETIRED XXXX XXXX  AND THEY CLEARLY DONT CARE AND REFUSING TO SHOW PROOF OF THE FRAUD RECORDS BUT THEY KEEO SAYING ITS MY ACCOUNT! XXXX SPECIAL HANDLING DEPARTMENT GIVES DISCOVER EXTRA TIME TO RESPOND AND NEVER SHOW PROOF TO ME THE CONSUMER WHO IS BEING DONE WRONG. THEY ARE CLEARLY ARENT GOING BY THE FAIR CREDIT ACT. NEXT STEP IS FILING SUIT AGAINST XXXX JUST LIKE I WON AGAINST DISCOVER CARD.
Product: Debt collection

I have sent letters to the company ( Enhanced Recovery Co ) as well as my credit reports but they said that it was verified to be mine. IT IS NOT!! I never opened this and also it is falsely reported since this account was reported a few years ago by XXXX XXXX XXXX for XXXX XXXX and was removed from my reports after I disputed in XXXX ( I submitted proof of removal ) now that XXXX XXXX was bought out this company is trying to say I owe this XXXX account- I do not. I NEVER opened either.
Product: Credit reporting or other personal consumer reports

I have tried since XX/XX/2022 and even before that to get Equifax to get my credit report correct and not give my info to others that I didn't acknowledge. After their company was breached, I didn't even sue but I was a victim of that breach XXXX years ago. Also, for years they keep putting my account as a " XXXX '' lock or something when I've called numerous times to have it removed. So now, an XXXX of XXXX has been sent to them in pursuant to 15 US Code Title 15 Chapter 41 Sub III 1681c-2a for defamation and financial injury. I can not keep losing out on my rights because of the negligence of this company. I will attach a copy of the XXXX. Don't send me any XXXX letters either.
Product: Mortgage

I am currently in the process of refinancing my mortgage with  XXXX   XXXX . My goal it to use this opportunity to pay-off a second mortgage on this property from Ditech. Since,   XXXX   XXXX   XXXX   I have requested that  Ditech  provide a Copy of my Note that I can present to  XXXX   XXXX  as part of the process. Ditech promised to have this to me within  3-5  days. I have called them and emailed them multiple times to follow up on this request and I still do not have this document as of   XXXX   XXXX   XXXX       The original loan was back in  XXXX  from  XXXX  and has transferred multiple times over the years  (   Greentree, Ditech ).      If  Ditech  can not produce the Note, do I legally owe them the balance if they do not have a copy of the agreement?
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have this inquires in my credit report that are incorrect and should be deleted. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXK XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage was paid in full on XX/XX/XXXX. It is still showing incorrectly on all 3 credit reports. The account is closed but its still showing open with a balance which is impacting my score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous forms to transjunior regarding identity theft XXXX and unotherwise heart increase on my credit report I have also notified XXXX and XXXX who the phone do tperform due diligence and removed such inquiries without hassle hassle TransUnion refuses To remove increase even though the other 2 credit bills have done so Due to the assessive inquiries on my transjunior I'm unable to receive funding which is necessary to provide for my family causing it it extreme hardship and I desperately need this resolved I have a total 3 inquiries on my XXXX and XXXX but I have 35 on TransUnion which is evident that there is something going on and changing refuses to supply me with proof that such inconvenience are indeed verify despite correspondence I have it's called response I have submitted requesting asking for such information
Product: Debt collection

XXXX XXXX XXXX  XXXX or XXXX XXXX XXXX, XXXX. The balance of {$1000.00}. The account was opened in XX/XX/XXXX. The account was opened fraudulently. I have completed the following steps to resolve the account with the account : First, I contacted the creditor without success. After being unsuccessful in contacting the original creditor. I have also disputed it several times with the credit bureau due to it being fraudulent during a pandemic. - The original credit bureau was contacted on - XX/XX/XXXX and XX/XX/XXXX- The credit bureaus have been contacted on - XX/XX/XXXX and XX/XX/XXXX At this time, I have been unsuccessful in getting the fraudulent account removed from my report. I am reaching out to obtain assistance with getting the account removed from my credit reports. XXXX XXXX reported a late payment which is also incorrect. I have had this account for several years, and have never been late with a payment. The payment was incorrectly reported, because of an issue with the website. I have attempted to have the situation corrected by contacting the creditor by phone in XX/XX/XXXX. I have also contacted the credit bureau without success. 

Since then, they have sold the debt to a new creditor P & B Capital, LLC and now attempting to start the collections process again.This means the same debt is reflecting twice incorrectly. I have attempted to contact the creditor and they have not removed the debt. They have been very aggressive calling me at work and threading my job. 

They have also put a negative account on my credit without contacting me first to discuss the debt. This negative account is negatively impacting my credit rating and ability to obtain housing.
Product: Mortgage

I applied on line for low interest refinancing about 6 - 8 weeks ago with Wells Home Mortgage loan. Soon, someone from the Loan office contact me by phone and took the application by phone. Te conversation was recorded by Wells Fargo. 

Wells Fargo was supposed to get back to me for further review and process the Refinancing process. 

Since then, no one from Wells Fargo has not contacted me. I even trired to refinance for with low interest rate with XXXX XXXX and XXXX XXXX companies. Wells Fargo declined to provide those companies the correct information. 

Currently, Wells Fargo charges me 3.85 % per annum. Wells Fargo want to keep me at this interest rate for it's own good. 

Wells Faro is a XXXX mortgage company who dwells on XXXX people to charge higher interest rate. 

Wells Fargo is operated by White, XXXX, XXXX XXXX Executives who have XXXX XXXX. GOP ear. Wells Fargo should be revoked from practicing in the " Great State of Maryland. '' and their License should be revoked. 

I suggest the Management should be hamulated, Lynched and evicted form Maryland. Three is no place for racism. 

Wells Fargo is run by XXXX XXXX, XXXX XXXX. 

XXXX Lives Matter
Product: Debt collection

I contacted this company for validation of the debt that they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again.

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.
Product: Credit reporting or other personal consumer reports

I paid off my loan on XX/XX/year>. As of today they keep on telling the Credit Bureaus that i have a balance. Ive call them like 5 times and sent numerous emails with no response.They are sending false information and im having issues with my mortgage closing.
Product: Credit reporting or other personal consumer reports

I kindly ask for these inquiries to be reviewed and removed promptly to ensure my account reflects accurate and up-to-date information. Please confirm once the adjustments have been made. I am a victim of identity theft
Product: Checking or savings account

On XX/XX/2022, I received in the mail an unsolicited Albert cash card. The card reflects my name and was mailed to my home address. On XX/XX/2022, I sent an email to XXXX notifying them that this was a fraudulent account opened in my name. I requested that they close all accounts in my name and send me confirmation that action to close all accounts in my name were closed. On XX/XX/2022, I received an email from XXXX thanking me for bringing to their attention the Albert cash card I received in the mail. They asked me to confirm the full name printed on the Albert cash card and the last 4 digits of the debit card number. They indicated they would close the account once this information was received. On XX/XX/2022, I responded with the full name on the Albert cash card and the last 4 digits of the debit card number. I requested written confirmation that the account was closed and also confirmation that there were no other accounts open in my name. As of XX/XX/2022, I have not received any further communication from Albert.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft resulting from a data breach, and my personal information has been compromised. As a result, several fraudulent accounts and unauthorized inquiries have appeared on my credit report without my consent. 
Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following accounts and inquiries from my credit file. 
XXXX Accounts to Be Deleted : XXXX. Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Creditor : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX. Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} Unauthorized Inquiries to Be Deleted : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. 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 XXXXXX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent in several letters from the bankruptcy courts & also letters from the company ( XXXX ) both companies has sent me letters stating that they do not verify bankruptcy & that it is no record of bankruptcy showing on my consumer report from XXXX. I have asked the company ( Equifax ) to removed the bankruptcy off my credit report & they have not.
Product: Mortgage

I send this letter to file a complaint and to inform you that PNC Bank and their investors are in the process of rejecting my attempt to have a short sale of my home at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. My current economics simply do not allow me to pay this mortgage and a short sale is my most logical option for me to financially get back on my feet. I have asked PNC Bank what else do I need to do or prove to receive financial assistance in the form of a short sale and they choose not to pay attention to the facts and details that have brought me to this moment. I was told by my former employer of 13 years that I was going to be terminated at the end of 2016 and I scrambled for several months to find a job I was qualified for which happened to be more then 100 miles away from my home in XXXX. By moving and taking this new employment in north XXXX, I also accepted a pay reduction that will come out to nearly {$30000.00} less annually than what I made previous years. A comparison of past pay stubs will support this. I have a rental property that is operating at a negative cash flow rate, which is another major contributor to my economic troubles and is also a candidate for short sale/foreclosure. Im also in the process of recovering from a failed business attempt to open a pharmacy. Previously I had marked a XXXX XXXX Money Market account as a personal retirement / investment account which at one point had over {$85000.00} in it and it is now reduced to nearly {$15000.00} which will be reduced even further to pay off other debts associated to this failed business opportunity. Based upon all these factors, is there still no way to approve this short sale or at least have me pay forward a penalty so I can come to a settlement with PNC? PNC Bank refuses at this moment to listen to my requests and has decided to list my home for foreclosure on XX/XX/XXXXof this year. Please help me. Review my file with PNC Bank and please help me come to a resolution where I may avoid foreclosure and financial ruin to my credit.
Product: Money transfer, virtual currency, or money service

Good afternoon, months ago I transferred money to Coinbase, they accepted the money and the next day they restricted my account, they did not let me access, I can not see the amount, I have sent hundreds of tickets to support and nothing that responds to me, I've been with my savings in coinbase for more than 8 months
Product: Credit card or prepaid card

Bank of America is discriminating against me I am XXXX and a senior. this is the second time I have had this problem with them. I called to lower my credit card limit a month ago on a prior CC and they needed a cell phone to verify me, but I DO NOT HAVE one!!!! talked to supvs etc best they could do was cancel that credit card a month ago instead, using my atm debit card code. I just got a new cc from them and wanted to lower the credit limit and they wanted a cell phone that i do not have to verify me again. I talked to a rep then XXXX the preferred supv then XXXX the team XXXX and the senior team XXXX XXXX was supposed to call me in 24 hours but they lied to me as she NEVER did. 
they would not use my atm card code to verify me, but they could verify me by email if I wanted to close my card instead. They are DISCRIMINATING AGAINST ME BECAUSE I AM A XXXX SENIOR who does not have a cell phone and I kept telling them I can not go to the branch to get verified! it is not convenient for me as I am XXXX, but they DID NOT care. I do have a checking account with them that has a large amount on money in it and have had it for over 10 years, but THIS is not good enough to verify me either to get a credit limit lowered. they verify my accounts every time I logon on by getting a code on my home phone, but again they refused to do that. 
This has affected my credit score and the ability to get a credit card from another bank! I was denied a week ago for a credit card and they specifically stated that my credit history showed that my credit history showed a high amount of unused credit compared to my credit lines. and also that I had had too many accounts previously which included closed ones like the XXXX Bank of America card that I had to close when they refused to lower my credit limit before. 
The other complaint is that each person I spoke to told me 1. the senior person would not help me and that they were probably NOT even available to speak to me at all. Each person told me the SAME THING AND SO I HAD TO tell them 3 TIMES EACH I WANT TO SPEAK WITH YOUR SUPERVISOR AND i AM NOT ASKING YOU WHAT YOU THINK THEY WILL SAY. Again this is not fair to seniors and XXXX people without cell phones, and there is no basis not to be able to use other means to verify our identity. CALL ME AT HOME, WHERE WAS MY ACCOUNT OPENED. CODE ON ATM CARD, last checking transaction etc. 
THEY ARE DISCRIMINATING AGAINST SENIORS AND XXXX PEOPLE LIKE ME WITHOUT CELL PHONES THIS IS AFFECTING MY ABILITY TO GET A CREDIT CARD ELSE WHERE!
Product: Mortgage

Hello and thank you for helping out with my mortgage loan ( # XXXX ). 

I was struggling like most individuals when the pandemic began and had began the forbearance plan, for 15 months I was in the plan and had a payment of nearly {$28000.00} made to bring my mortgage current. 

At the time when I contacted United Wholesale Mortgage, which some customer service representatives were kind however most were really rude and did not help at all and still are not helping which is why I've had to resort to filing this complaint. 

I was promised that after this payment I could use the remaining 3 months of forbearance and after the plan ends, UWM would place the past due amount to the principal balance and resume my payments on XX/XX/XXXX. 

Prior to XX/XX/XXXX, I proactively reached out again to UWM to ensure what to do next and seek for what was promised and had a rude gentleman tell me " well you need to qualify for it first ''. 

Qualify for what? I was on the forbearance plan and was told the unpaid 3 months would be added to my principal and I would resume XX/XX/XXXX with my payments due. 

It's not fair and got papers saying I need to sign away for a short sale? There's no need for that. 

I am please seeking help, I am only requesting for the unpaid 3 months to be placed onto the principal balance so I can resume payments as I was promised especially after making that payment that was originally due.
Product: Credit card

SUMMARY : FIA Card Services, a division of Bank of America, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX continues to ignore correspondence re : credit card fraud, send bills and charge interest because of fraudulent charges that took place on my original credit card [ ending in XXXX ] with FIA, which is owned by Bank of America. 
FACTS : Initial fraud charges occurred XXXX XXXX, 2015 at a XXXX Store in XXXX XXXX, XXXX which I do not patronize, for over {$310.00}, more than I have ever spent at any XXXX store. After discovering the fraud charges, on or about XXXX XXXX, 2015, well within the 60 days allowed to report to the company, many phone calls and correspondence have been transpired between myself and FIA Card Services Customer Service for more than six months. 
ACTION TAKEN : A police report has also been made for the credit card fraud to the XXXX XXXX Police Dept., as this is XXXX XXXX where I reside and where the fraud originated. Correspondence to FIA, along with copies of the statements which show the fraud charges, includes the following information : " Please note that all of the charges marked in black 'Sharpie ' ink with a star [ *, or & gt ; ] next to them are fraudulent charges on the statement, including ANY AND ALL charges which took place in XXXX XXXX XXXX XXXX I have not traveled to XXXX in more than ten years! Please do not transfer these charges to a new charge card that you are issuing in my name as they are pure and outright fraud, which I can only presume started at the XXXX Store XXXX. ; as you can see from my charge history, I have never spent over {$300.00} at any grocery store, and I do not shop at the XXXX XXXX. store. Please correct and remove the fraud charges pursuant to your Fraud Protection Policy of 100 % no liability to the customer once it has been reported in a timely manner. I will not be responsible for any fees, late charges, etc. that XXXX XXXX may attempt to pass along to me, as the customer. Also, pursuant to my phone conversation with your representative, this morning, please cancel this account, and do not open another card with fraud charges attached thereto. " ONGOING : Every 2-3 months, instead of attempting to resolve this issue, FIA does the following:1 ) changes the account number on the card, 2 ) transfers the balance, 3 ) charges a late fee and interest, which continues to accrue. Instead of trying to resolve the issue with me as the consumer, FIA ignores it and sends a dunning letter telling me there is a balance due. Every month FIA continue to send a bill to me, as recently as XXXX, 2015 to include interest which accrues on the balance ; I refuse to pay until FIA reconciles ALL of the fraudulent charges against the amount that has been paid to the company for my legitimate charges. 
When calling the company 's customer service numbers [ below ], I am placed on hold for more than an hour at a time. 
As of XXXX/XXXX/15, I filed a complaint with the XXXX ; that office referred me to the Dept. of Consumer Financial Protection Bureau, which I am utilizing to file a consumer complaint against FIA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference to XXXX  XXXX XXXX correspondent date on XX/XX/2021 agreed to remove the inquiries date on XX/XX/2021. Consumer Reporting Agency denide to remove it and fix my credit score ( Increase ) as it should be.