23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am coapplicant with exhusband on a home loan that we had obtained when we were married. There has never been a payment missed since we had the loan in 2008. My exhusband fiked bankrupcy an upon my notification of the bankruptcy Planet home lending would not take a payment from me nor allow me to make payments online or via phone automated systems. Planet wouldnt even send me a statement. I spoke to bankruptcy department many times an was advised that because they received notification of bankruptcy that I needed to talk to my lawyer in ref the account because they couldnt. After multiple failed attempts I finally got a hold of a mortgage counselor who was able to help me an apologized for what i was being told by other representatives. I was able to finally make payments an get account up to date. I was told by the mortgage counselor that i should not get a late payment an if i do to call back an they would submit to remove it. When I called back inwas told that if inwould have made the payment 2 days earlier it would not have reflected as late, but as i explained ine i couldnt an 2 i had to physically speak to someone to do it an they were closed on weekend an the XXXX fell on a Sunday.But Planet home lending still reported on my credit report as being late for the month of XXXX and XXXX when it shouldnt have because if i have no way to make a payment because they are closed an my due date falls on a Sunday they cant mark it as late because i couldnt use automated system it had to be with live representative.I am XXXX XXXX military an this late payment not only affects my security clearance but it also it affects my borrowing ability. I have never missed a payment ever an this one was clearly an error caused by the confusion of my exhusbands chapter XXXX bankruptcy. I contacted Planet hone lending an asked to speak with supervisor an was told that one would call me but never did. I also spoke with a rep an they said planet home lendings credit department stated that planet home lending did nothing wrong. I am not trying to say planet home lending is a bad company because they are not an they have taken care if me as a customer an thats why I have stayed with them for so many years. I just think that this was bad miscommunication due to the confusion of the bankruptcy an XXXX people being on loan where one did not file bankruptcy is complicated an I just hope an pray that planet home lending will continue to take care of me by fixing this critical error that could cause me my XXXX year career as an XXXX. I have reached out for a member of coporate to contact me via telephone annthey have not. I got a letter in mail but it does not include all details ... XXXX they left out calls to mortgage counselor an bankruptcy department.
Product: Credit card or prepaid card

I had a Wells Fargo Credit card and on XX/XX/XXXX I awoke to an e-mail stating that Wells Fargo had rush requested my card be sent to XXXX XXXX XXXX XXXX XXXX I live in Florida - have my mortgage on my house with Wells Fargo in Florida the last purchase I made with this credit card was for a hotel in Florida and they still rush requested my card to TEXAS! 

Not only did they do this but when I called to inquire how in the heck this could happen the account representative told me about charges from XXXX and XXXX 's that were flagged as fraud. They were in fact fraud but I didn't get a notification or anything and even though they were flagged and we discussed this on the call they STILL allowed these charges to be put on my card! 

So, I had to call again and again and they closed that card and moved the balances over to a new card INCLUDING the fraud charges! I had spent hours trying to reconcile what they had done to no avail but they finally got the balance somewhere close to the actual amount owed. Although they made absolutely no concession for the hours and hours of my time that they wasted for their fraud. The circumstances of the situation are such that Wells Fargo is complicit by their gross negligence if not directly but I believe it had to be more direct, insider fraud. 

So, the account was closed a new onXXXX opened but I kept the new card off and did not activate it. Then on XX/XX/XXXX I awoke to another e-mail from Wells Fargo telling me that despite all of this activity identifying fraud on my card and all of my pleas for their help in preventing further damage they had shipped my card AGAIN to Texas : XXXX XXXX XXXX XXXX XXXX This could not have been done by someone calling in AGAIN after all the activity on my account and just saying send the card and an actual person at Wells Fargo so XXXX that they just did this. There must be more complexity to this fraud that is system related and that Wells Fargo is refusing to disclose. A colleague of mind XXXX found out her credit card was shipped to New York without her permission or knowledge after she heard my story and checked her account. 

I closed the account but I have no faith that XXXX can keep it closed and free from fraud so someone needs to step in and hold them accountable.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX  - I received a email from PAYPAL stating that my account has been Permininalty Suspended without notice or warning. I immediatelyinquired why and received absolutelyno reason. The person on the phone refused to offer any further explanation of why I was terminated. 
XX/XX/XXXX XXXX I received a similaremail from VENMO ( same company as Paypal XXXX Stating that my VENMO Account has been PERMANENTLY Suspended. They too offered no reason and would not answer my request for a explanation, I use both servicesvery casually for giving money to family members or paying for online purchases in an effort to protect my banking information. This type of action should be illegal, they still have my money and offer no easy way of retrievingit. I want a explanation as to why my accounts were flagged and suspended.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XX/XX/2021 - notified quicken loans that I can resume payments - quicken loans offered an option to defer payments on unpaid balance until loand is refinanced or paid off ( or ) to extend terms of payments, reducing monthly amount but paying interest on forebearance amount for full term of time that loan is outstanding. 
- I am looking for another option that modifies the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX refuses to removed this XXXX  XXXX from my credit report after I have repeatedly requested it to be. It is not my XXXX  XXXX XXXX. Experian says they use XXXX XXXX  to verify information and I have a document from that company stating they were unable to verify the information and it has since been removed from my record and I want Experian and XXXX  to follow suit
Product: Credit reporting or other personal consumer reports

I have repeatedly requested wet signatures of agreements or co tracts I have made with each Creditor reporting collections on my reports from XXXX, XXXX, and XXXX. They always claim investigated and no change but never provide the requested contracts or explain their findings. I have requested this information for over 8 months. They will remove it and score would go up then few weeks later added back lowering my score. This was done without notification via email, phone or mail. I have sent letters requesting inaccurate addresses, phone numbers, works history and wrong names to be removed and yet no response and still no change. This all goes against legal reporting acts. I want this resolved and my credit cleared. I want every negative account to be removed. I also want the XXXX Account to reflect pains in full and no longer negative potential on my account. I want every address, name and works history places removed. I have screenshot proof of each dispute and their response. I have never received an explanations or investigation letter. I still have not recieved the wet signature of contract with each collection agencys claims of owed money. I demand all collections removed form my credit immediately, all addresses and names.
Product: Credit reporting or other personal consumer reports

US Bank and XXXX have continued reporting an inaccurate and unauthorized tradeline on my credit report. Despite my repeated disputes over several years and the fact that this tradeline was included in an identity theft report filed with the FTC, US Bank and XXXX have failed to delete this harmful entry from my credit report. 

XXXX and XXXX have already recognized the inaccuracies and removed the tradeline from my reports. However, US Bank and XXXX have neglected to take the necessary action, causing ongoing harm to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 13 accounts on my credit report from all three bureaus that are not mine and I have been disputing this since the beginning of the year and nothing seems to be happening these accounts do not belong to me they are not mine I dont knwo how else to do this!!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial incorrectly put the wrong amount for our car payment and then reversed it. It then took them almost a month to correct their error. In the meantime, the payment that they incorrectly imputed went against us as a late payment. The payment wasn't late. Ally admitted their error and corrected the payment but they didn't take the late payment off our credit report. I was denied credit due to this error!! Our payment was received and posted before the 30 days - their error and reversing the payment caused XX/XX/2018 payment to be " considered '' late. They were contacted repeatedly in advance and this never should have been considered late.
Product: Credit reporting or other personal consumer reports

The presence of a derogatory rating on my account is causing me significant concern, and I am deeply worried about its potential impact on my credit. This issue has already led to the denial of a recent loan application and higher interest rates on my current credit accounts. I want to stress the considerable financial and emotional distress this negative rating has caused, and will continue to cause, until it is fully resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Remove fraud account from my file. you are violating my consumer rights.
Product: Mortgage

OCWEN is violating the terms of their Consent Judgement in regards to my mortgage account. I am submitting this to you to have as record of my issues. I am seeking relief and requesting the Monitoring Committee established by the Judgement will take enforcement action against OCWEN and hold them accountable to the Judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - XXXX ) ( DISPUTE CODE - XXXX ) My personal information was stolen and used for fraudulent activities in 2021, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. Under the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed. 


Under the Fair Credit Reporting Act XXXX  Account # XXXX XXXX & XXXX ( Original Creditor : XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion and XXXX XXXX credit bureaus. I would like this fraudulent account deleted and removed from my credit report immediately. 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 an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Under the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across all 3 of my consumer credit bureaus. I would like this fraudulent account deleted and removed from my credit report immediately. 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 an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

Upon previous submission for previous complaint illegally reported information was requested to be removed from my credit report. Upon request a few requested items where remove upon illegally being reported. However due to the illegally reported items being on my report and the right to opt out XXXX XXXX XXXXXXXX not being honored and allowing companies to take a peak at my credit report while the illegally reporting items where reporting I suffered a great deal. I request that {$1000.00} be compensation for each individual inquire that was removed as well as negative impacting Items that were removed. I believe I should be compensated for punitive damages it is because of the illegally reported items that for several years I was unable up obtain a car, purchase a house, get the a credit card approval, a loan or rental stay
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this XXXX account has violated my rights : XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, Also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692c clearly states that ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of work of competent jurisdiction a debt collector may not communicate with any or with a consumer and connection with the collection of any debt. 

15 U.S.C 1681i clearly states : ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from aconsumersfilepursuant to subparagraph ( A ), the information may not be reinserted in thefileby theconsumer reporting agencyunless thepersonwho furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from aconsumersfilepursuant to subparagraph ( A ) is reinserted in thefile, theconsumer reporting agencyshall notify theconsumerof the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumerfor that purpose, by any other means available to the agency.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and XXXX  docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX credit card on XX/XX/20 because I want to start building up my credit but unfortunately I was not approved because I guess there are four accounts in negative standing on my credit report. I wasn't aware of these accounts before today because like I said I'm barely starting to build credit. These accounts do not belong to me ; I did not open any of them and I did not give anyone permission to open them in my name. I have no idea who is responsible for these accounts but I did not benefit anything from them being open on my behalf such as money, goods, services or any other benefit and I never made payments towards these accounts. The accounts were opened with these companies-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a contract/agreement or any affiliation to any of these companies nor did I ever authorize them to access my credit information. I have filed this report with all the information I have.
Product: Credit reporting or other personal consumer reports

XX/XX/year> l received multiple credit notifications about hard inquiries that I did not authorize from XXXX  XXXX XXXX, USAA Savings Bank, and XXXX XXXX XXXX. These hard inquiries immediately negatively affected my credit report and credit score causing my credit score to go down.
Product: Credit reporting

I applied on line for a free report because I was declined credit based on an Equifax report. After filling out all their info they told me they could not deliver it on line and I can request it by calling XXXX. After calling and inputting info, unless I was willing to pay for the report, I would have to send them all sorts of information by mail. Both efforts were a total waste of my time, Equifax should have stated online, what was needed to get the report rather than giving the impression that if I pay with a credit card I can get it now.
Product: Credit card

I had set up an automatic payment with Bank Of America XXXX credit card to be paid every month {$500.00} from my personal account. In XXXX 2016 I had a credit of {$480.00} and the ACH payment keep being send to the credit card every month by XXXX 2016 I had made {$2400.00} payments with out using the card. This means a credit I had a credit of {$2400.00} I called several time letting them know that i had stop the automatic payments authorization online and I was being deducted this from my bank any ways they said I had to call my personal bank directly. Finally in XXXX after many calls I had to ask my personal bank XXXX to do stop payments of this. I called XXXX and ask for the rebound of my payments made. 
Total credit I should had was {$3900.00}. In XXXX XXXX at XXXX pm I called and spoke to a costumer service rep called XXXX, she help me out and told me a credit was going to be send to my account in XXXX. I only received {$1500.00}. In XXXX XXXX at XXXX am I spoke to a costumer service rep named XXXX and she told me a check was send to my house which I never received XX/XX/2016 for {$2400.00} she confirmed check was not issue and it must have been lost in the mail. She help me to process the payment again to be return to me as the last one was return directly into my XXXX account, she said it will take 10 business days. I called again today XXXX XXXX, 2016 and I spend an hour over the phone and none one was able to tell me what happen with this reimbursement and no word on why it has not been process.