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

On XX/XX/XXXX I called XXXX card services to pay off my balance in full. I spoke with a supervisor name " XXXX ''. After I paid it off I was told my credit would be updated on XX/XX/XXXX. However I'm in the process of building a home and needed it updated for my lender. I called an request a pay off letter which I did receive from XXXX card. However I still needed my FICO updated. I did a dispute with all 3 bureaus to report it was paid in full. The problem is, XXXX card reported back to the dispute by reporting inaccurate information to Experian, knowing my account was paid in full they reported I still owed over {$1700.00}. They then reported to XXXX XXXX that my account was in fact paid off. I then called XXXX on XX/XX/XXXX and spoke to the same Supervisor " XXXX ''. I asked him why did they report inaccurate info to Experian but accurate info to XXXX XXXX? He said he was not sure and would reach out to the XXXX XXXX for help and get back with me. Few days later on XX/XX/XXXX my XXXX XXXX report was changed again by them but this time it was reported that my account was not paid off and still had a balance of over {$1700.00} which is in accurate and opposite of their original report of paid off. This inaccurate report dropped my score XXXX points. I called back to XXXX on the XXXX and spoke to a supervisor named " XXXX XXXX', not sure if I spelled that correctly. She had no clue why that happened or what to do other than notated my account for the XXXX XXXX. Her ext is XXXX. She also reminded me that they report to the bureau 's on the XXXX which would have been fine had they not continuously reported inaccurate info to them several times. They should have just not reported anything instead of false information. As for XXXX, my dispute for XXXX was in fact updated accurately and states paid off. But they claim they don't report until the XXXX... I contacted XXXX XXXX which was no help. The rep named " XXXX '' on XX/XX/XXXX told me they can only take what info XXXX gives then. So they also allowed them to report inaccurate information even after I stated I had a pay off letter from XXXX.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXX/XX/XXXX Balance : {$4200.00} XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i sent in a personal information update letter to the 3 major credit bureaus ( XXXX, XXXX, Equifax ). My only Legal name is XXXX XXXX XXXX. My only Address is XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX. My only phone number is ( XXXX ) XXXX. I dont want to include my social, date of birth, or employers for privacy reasons.
Product: Debt collection

I had originally Disputed the debt with TDXXXX back in XXXX  stating that the account was not mine and was opened due to identity theft in which I believe my ex wife was involved. 
I filed a police report and sent to TDXXXX   along with XXXX, XXXX, XXXX. 

Each bureau removed this item from my credit profile due to identity theft. Upon talking with TDXXXX a representitive stated they would never let this debt go as they had my signature. 

After having to prove it was identity theft TDXXXX still continues to report the invalid debt descimating my credit score every few years. Hindering my chances at home ownership/vehicle purchases.
Product: Debt collection

Portfolio Recovery keeps calling after I specifically requested a written validation of the debt. I requested that they not call me any further until I have written validation sent to me. They called me on XX/XX/XXXX and I requested the written validation of the debt and for them to cease calling until that time. They called me again XX/XX/2023 from a number that is verified to be from Portfolio Recovery. I want the calls to stop and them to honor the FCRA. I do have the call recorded when I requested them to validate it. I will attempt to attach it here
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX   Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tracking of when i first contact equifax concerning dispute online stated it would be complete by today 's date i have not received an email or letter in mail about dispute other disputes they disregard and did not look at them next plan of action suing the bureau for reporting inaccuracy tracking number to equifax  XXXX  first attemp second attempt no response  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX reported this account on all my credit reports originally with XXXX XXXX XXXX opened back on XX/XX/XXXX. This account was disputed and removed from all of my credit reports sometime between the original date reported and XXXX. On XXXX, XXXX XXXX, this same account was added back to two of my credit reports under National Credit Adjusters. Based on FCRA, its unlawful for reinsertion of a previously deleted account unless i'm notified within the 5 business days which i was not. I've disputed and it was removed from my other reports this year but they didn't remove from my XXXX   report. I have continued to dispute this information but they have failed to update the other report.
Product: Mortgage

I contacted Select Portfolio, my mortgage servicing company, in order the obtain a letter entailing the amount I need for reinstatement to avoid eminent foreclosure. They sent a letter of reinstatement, but it did not state that this amount was the amount needed to avoid eminent foreclosure. When I contacted them to inform them of this, they related that they do n't write letters of this nature. They also stated that they are not in the processing of foreclosure upon my property, but 'in litigation '. I was confused. " Foreclosure is the legal process in which a bank or other secured creditor sells or repossesses a parcel of real property after the owner has failed to comply with an agreement between the lender and borrower called a 'mortgate ' or 'deed of trust ' ". Since they are in the process of trying to force a sale of my house through the courts, and represent XXXX bank, how can they say that I am not in danger of eminent foreclosure? They further directed me to make a payment immediately. I am unsure where that payment would go nor am I sure it would be used to avoid eminent foreclosure. I am in the process of getting help to work with the bank, but they do n't seem interested in working with me. They said all of our conversations are recorded, so there should be no discrepancy as to each conversation that transpired.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, all three credit bureaus were notified of an account that came from a collection agency that bought a debt in my name from a rental company. The rental company leasing office burnt down which caused files to get mixed up. The state of Tennessee paid that company with Covid funding on my behalf. Before I moved. I also informed them that was not supposed to be on my credit. They also told that they were in violation of 15 USC 1681. I contacted all three bureau via phone and mail, still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... COMENITY BANK/XXXX XXXX ... XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

In early XX/XX/XXXX I asked for assistance with a payment deferral due to wifes employment income being reduced. I was sent forms to sign and return which was done on XX/XX/XXXX. I was advised my term would be extended and payments rolled to end of the loan. My normal payments would resume XXXX XXXX. 

I called XX/XX/XXXX their HELOC dept as XX/XX/XXXX payment showed online amount due was around {$2100.00} which was not correct and would be adjusted and to be patient. I called XX/XX/XXXX and spoke with HELOC dept and told the documents were wrong I signed and I would be responsible for those payments, although documents advised otherwise and would not send me anything in writing. 

I reached out on their XXXX  page XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and was told Id get a call. I got a call from there default management group alleging to be supervisor that their still working on fixing the payment due amount and would be called the following week to pay the correct amount but could not send anything writing. Its now two weeks and no call or update. My payment online now shows next due XX/XX/XXXX and amount due {$2400.00}. 

Ive never been late and they are not helping nor letting me know whats going on. I want them to honor the documents they sent me so I can begin resuming payments. This feels like a bait and switch to cause me to default on an account that has automatic payments and has always been current prior to this mess. I can provide documents on what they had me sign.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried multiple attempt to have information on my credit report blocked. Due to collection agencies not following proper protocol pursuant to my right as a consumer involved with Title 15 U.S.C. These companies have not been doing what is fair and equitable to me as a consumer, as my rights have been violated. I have sent dispute letters explaining the issues, and no proper remedies were made. 

Dates I contacted these companies : XX/XX/2022 ( Transunion CRA ) XXXX : {$3900.00} XX/XX/2022 ( XXXX CRA ) XXXX : {$4600.00} XX/XX/2022 ( XXXX CRA ) XXXX : {$7800.00} For reasons of inaccurate reporting of accounts on my credit file. 

They did respond just not in a timely manner but informing me that all account were accurate but with no proof of any kind shown to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

violation of XXXX and cra inaccurate information
Product: Mortgage

We applied for a loan modification and were given the highest interest rate, 5.5 %. We have been current but it is extremely difficult to make the monthly payment of {$1600.00}. 
We have contacted them to lower the interest rate to make it easier to pay but they want us to reapply.
Product: Debt collection

XXXX Account XXXX Convergent Account # XXXX Total Due {$250.00} Phone Number XXXX Sometime in XX/XX/2022 I transferred service from XXXX to XXXX. 
Transferred 3 numbers XXXX XXXX XXXX. 

Now they are trying to bill me a " phantom '' XXXX number which I do not recognize and never used. 

Talked to 611 customer service and the supervisor, insisted the charge was legitimate. 
Why will I pay for something unknown and never used number by me and my family? 

Please help me resolve the issue it is not a valid charge.
Product: Credit card or prepaid card

Ok, so I got this credit card, and it was my first unsecured card. Capital One platinum card. It was opened and closed the same month. My limit was only XXXX  and I have paid this account off XXXX times. They owe me money and I want this account closed and negative marks off my credit history. Its destroyed a lot of things I had going for me and I'm seriously considering taking this to a court to get compensation.
Product: Money transfer, virtual currency, or money service

I am a small business owner who often would receive payments through cash app. On XX/XX/XXXX after rendering services to a client, I gave her my cash app details for payment, she tells me the cash tag i had given her was invalid. I was in awe and told her that wasn't accurate. I quickly went on my cash app to log in but was asked for all my personal information which I put in and the system created me a new account. My account balance of {$500.00} was swooped and I have nothing. I reached out yo support and they are telling me that I can not gain access to my old account due to security reasons. I emailed back asking for my money that I had in my account, I truly don't care too much for the old account, I just want my {$500.00} but no one i spoke to was able to tell me what is going on. That is the last money I've got in the entire world and cash app has stolen it and can not even tell me why. I would keep talking about this till the right person hears it. How can I survive this? I feel like I am living my worst nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my credit reports that i did not authorize. I am a victim of identity theft. I have attached a copy of my police report. I ask that these be removed from my credit report immediately. 
The inquires that i did not authorize are : XXXX XXXX ( BANK ) XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Bank XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

This is to express my deep dissatisfaction and concern regarding the holding of the funds in my Square account. As of XX/XX/year> I got a mail from square that my account has been deactivated and my balance totaling {$61000.00} will be withheld for a period of 90 days, right now it's been over 7 months and my funds is still yet to be released which has impact my ability to conduct business and meet financial obligations. 

Despite my persistent efforts to resolve this issue through square customer support channels, I have encountered nothing but delays and unhelpful responses. The lack of transparency regarding the reasons for withholding my funds only adds to my frustration. 

I urgently request the immediate release of my funds. The detrimental effects of this hold on my business operations can not be overstated. It is imperative that this matter is addressed with the utmost urgency and efficiency. Failure to resolve this issue promptly will leave me with no choice but to pursue further action to safeguard my interests. 

I trust that you will prioritize this complaint and take swift action. I eagerly await your prompt response and resolution.
Product: Money transfer, virtual currency, or money service

So I wanted to try drop shipping and I successfully made an online shop. After that, I converted my PayPal account from a personal account to a business account. After a while, I decided to contact PayPal to change my account back to a personal account because I realized I could not send my money to a card. after I contacted them for some reason my account got a permanent limitation and I was banned from PayPal. I have no idea why this happened as I didn't do anything illegal such as drugs, or any illegal substance. The last transaction that happened was from an app called XXXX '' which I got paid for doing affiliate marketing and advertising their app The transaction ID was ( XXXX ).
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Worst bank I have ever dealt with. XXXX XXXX ( of regions mortgage loans in XXXX, Ga ) and his team had over a month and half to get my loan closed, but slacked and for some reason had to push the closing date yet again for a week. Leaving me to pay penalty costs for THEIR mistake. I was told XXXX different closing numbers, my phone calls were never answered and my emails were never responded to until days later. They did not try hard at all to get things done and all I have gotten were excuses to cover up their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized credit inquiries on my name that occurred between the dates of XXXX and XXXX XXXX, 2024. These inquiries were not authorized by me, and I have attempted to dispute them with the credit bureaus to no avail. 

I have worked diligently to maintain a good credit standing and these unauthorized inquiries are negatively impacting my ability to obtain new credit. It is crucial that these unapproved inquiries are promptly removed from my credit report to prevent any further harm to my financial reputation. 

I kindly request that you investigate this matter and take the necessary steps to have these unauthorized inquiries removed from my credit report within XXXX days. I trust that you will handle this matter swiftly and efficiently to rectify this issue. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these unauthorized inquiries from my credit report. 

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

Updated tradeline XXXX XXXX XXXX  XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.
Product: Credit reporting, credit repair services, or other personal consumer reports

one XXXX XXXX account is reporting under my equifax credit reporting agency as fraud. this account i had never opened nor given authorization to have someone open this account, please have equifax to have this fraud account remove from their data base since they are not helpful at all. 
this is not mine and was opened with out my knowledge, XXXX   XXXX even has a different address on file and reporting inaccurately. i will be awaiting for your response thank you
Product: Mortgage

Wells Fargo allowed a verbal change on XXXX XXXX, 2015, to my mortgage by XXXX XXXX. This change was processed in XXXX days as a new statement dated XXXX XXXX, 2015, was provided and attached. I contacted Wells Fargo upon receipt of the changed statement on XXXX XXXX, 2015, requesting reversion to the XXXX months for escrow shortage as required by my mortgage : XXXX. Funds for Escrow Items. I was told that my request would not be honored by Wells Fargo employee XXXX XXXX via letter. Per my XXXX complaint to cfpb, Wells Fargo accepted my requested resolution to revert to the mortgage terms, but used a random of date of XXXX/XXXX/2015 as the date of 'review '. XXXX XXXX 's request for XXXX months for escrow shortage repayment required no 'review ' by Wells Fargo XXXX Thereby, Wells Fargo deliberately delayed processing my request to adhere to the mortgage terms on XXXX/XXXX/2015 which would have allowed the XXXX day notice period of increase for a XXXX XXXX, 2015, payment increase. Wells Fargo has no standing or place in domestic situations and has banking rules and regulations that do not allow for discrimination or disparity in favor of one borrower over another. XXXX XXXX is not entitled to favorable consideration as a borrower over me ; the borrower whose income the mortgage is based on and paid by.
Product: Checking or savings account

A COMPANY WAS ALLOWED TO WITH DRAW MONEY FORM MY ACCOUNT, WITHOUT MY PERMISSION.