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

THIS IS NOT A REQUEST TO START A NEW DISPUTE, OR INVESTIGATION. THIS IS NOT A DUPLICATE COMPLAINT AND NO THIRD PARTY IS INVOLVED. THIS IS NOT NEW INFORMATION RELEVANT TO DISPUTE. 

I personally took time out of my day to send disputes to Experian, and on XX/XX/XXXX, I received an automated email from Experian saying, " We received a suspicious request in the mail regarding your personal credit report and determined it was not sent by you... we will not be initiating any disputes based on the suspicious correspondence. '' The dispute was sent by me, and only me. This is the second time you've illegally tried to stall and not follow your duties as a consumer reporting agency. The first time was a dispute sent on XX/XX/2021, and no investigation was ever done which is illegal. I demand a proper investigation to be conducted and results mailed to me. I do not consent to Metro 2 Compliance. 

You have 15 days to conduct an investigation elsewise you are in federal violation of 15 USC 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. Equifax is also reporting this account as ( 120 ) days late. ( Please see page attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of a collection/charge-off, as well as late payments, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

ASCENDIUM WHICH IS KNOWN TO BE A DEBT COLLECTOR COMMITTED XXXX BY TRYING TO PACK ON MORE CHARGES ON TO MY XXXX LOAN THAN WHAT THEY PAID. THEY ARE MISLEADING AND DECEPTIVE AND COMMITTED FRAUD. They stated they paid {$1700.00} when they did not pay that much. 

Please see attachments with the three exhibits. I reported Ascendium to my Attorney General XXXX XXXX to be investigated.
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS , L.P . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify SOUTHWEST CREDIT SYSTEMS, L.P. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOUTHWEST CREDIT SYSTEMS, L.P.any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting fraudulent inquiries on my report and needs to be deleted now. 

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

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or Experian in the first place. Congress should make credit freezes and unfreezes free federally. Credit Reporting Agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking the time to read my complaint.
Product: Checking or savings account

Well 's Fargo Bank closed my account in the middle of my dispute of unauthorized charges in my account. 
They fraud department have deliberately refused to see reasons in my claims as it concerns the unauthorized charges in my account. 
They have not resolved my dispute despite providing police report, a Notarized letter that affirms my claims, etc but they have went ahead and closed my account that still had a balance of over {$17000.00} which I don't have access to. 
Lastly my Well 's Fargo checking was mostly set up by me to use to make as well as receive XXXX payments to/fro professional collaborator but by closing my account in the way Well 's Fargo did XXXX they which have put my professional/personal life in disarray. 
Being that my XXXX is connected to my account, I have payments from collaborator sent through XXXX that are currently in limbo and I don't know how to go about recovering this payments.
Product: Mortgage

My house was sold as a short sale through XXXX XXXX XXXX. At this point I was ordered to pay a promissory note of XXXX dollars for mortgage insurance. The servicing of this promissory note was sold to Shellpoint Mortgage Servicing. The agreement was {$200.00} a month for 12 months. XXXX date of payment was XXXX/XXXX/15. I have paid every month on time and have been getting regular payment statements showing that I have paid up to date. The most current statement for XXXX that I have received not only shows my principle balance at {$2400.00}, my account number has changed as well. I called to advise Shellpoint of this situation and they have actually XXXX different accounts under my name. XXXX showing that I have paid {$800.00} up to date and the other showing I have paid nothing up to date, but XXXX accounts have a starting principle balance of {$2400.00}. They advised me it may take up to 14 days to resolve this issue. I am concerned they are doing this to other consumers as well. I ca n't understand how they have created XXXX different accounts for my XXXX promissory note. Also the weird part is that I only received XXXX bill but I somehow have XXXX different accounts with all my information. This definitely needs to be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX SS XXXX I was a victim of fraud a few years ago and someone was using my name. I have been working to get this issue resolved for over a year now. I do not live in XXXX OHIO. Please remove any and all OHIOaddresses from my credit report. I never opened accounts with the following companies XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. PLEASE DELETE THESE FRAUDULENT ACCOUNTS AT ONCE. PLEASE REMOVE THE FOLLOWING ADDRESSES XXXX  XXXX XXXX XXXX OHXXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX TX XXXX, I NO LONGER LIVE IN OHIO. THANK YOU FOR YOUR TIME AND CONCERN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent an identity theft report to XXXX, XXXX, XXXX, AND AMERICAN HONDA FINANCE It has been well over 30 days and I have not received a response this investigation should have bee completed XX/XX/2021 Please remove AMERICAN HONDA FINANCE from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending disputed about my credit report to all CRAs XXXX, XXXX, & Transuion, about a couple accounts on my credit report. 

They have failed to conduct a reasonable investigation and failed to provide me the completeness and methods of verification for these accounts. 

XXXX XXXX - Charge off Acceptance Now - Charge offs I am now Demanding that the removed both accounts and any inquiries associated with these accounts from all CRAs immediately
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX was used to make a bill payment to my Citibank Double Cash Mastercard. Per the bank the payment was sent via live check : Payment Details Payee : Citibank Credit Cards, XXXX Notes Category : None Amount : {$50.00} Payment type : Check XXXX Payment option : MANUAL Paid from : Checking, XXXX Deliver by : XX/XX/XXXX Confirmation : XXXX I believe that Citibank has received the payment but lost or misplaced it so as to collect late charges.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I initiated a wire transfer from my checking account with Wells Fargo. I wired {$150.00} plus a fee of {$25.00} to XXXX XXXX XXXX XXXX XXXX XXXX About XXXX weeks ago I received a call from the vendor stating they did not receive the funds. I checked my bank statement and verified the deduction from my account. I then called Wells Fargo and informed them what happened. This call was made approximately XXXX days ago and I yet to receive any response from them. When I made the initial call I was told they had to refer it to another department. If this situation was reversed I would be charged fees for late payment. Why does Wells Fargo get to keep my money for an extended period of time without being penalized? They've had a reasonable amount of time to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs/Apple Card terminated my account without cause. I no longer wish to do business with Goldman Sachs/Apple Card, and do not wish to contest the closure of my account. However, Goldman Sachs/Apple Card continues to report my account as open on my credit report. I have received confirmation in the past that my account is closed, although I continue to receive notifications to contact support to obtain my statement. 

Attempts to contact the company have remained unfruitful. Representatives are not willing to share details onto why the account is not officially closed, and I am prohibited from obtaining copies of my statements. 

I'd for my account to be completely closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA has been deceptive and made a mistake and put my car loan in bankruptcy status and therefore took the trade lines off and have not reported my perfect payment history. Because of this my credit report does not show any car payment history at all and its making it impossible for me to get out of this high interest rate loan and lower my car payment. They are purposely doing this in order to keep me paying this high interest rate. Then they try to say well we don't need to report your history at all, had they told people their payments on their car would never be reported to credit bureau 's how many people would accept a loan like that when the whole purpose of the loan was to rebuild credit to begin with?? I need help, I have spent almost 1 1/2 years fighting them and they keep blaming everyone else but it's them, they refuse to correct the problem!! please please please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I asked Transunion when an adverse account showing a payment delinquency would be taken off my credit report since it is hurting my credit score significantly. ( this is a chase mortgage which was late 120 days on XXXX, XXXX. I received a file number XXXX and simply asked in a dispute when it would be taken off. I was told on XX/XX/XXXX this adverse account would be removed because it would be 7 years after it was first recorded. I first when online to make this dispute or request for information and did not receive an answer. I then contacted Transunion on XX/XX/XXXX and spoke with a rep at XXXX who told me it would be taken off XX/XX/XXXX when the first report of a 120 day delinquency was recorded. In XX/XX/XXXX It was not removed. I then resubmitted the dispute online at Transunion/dispute web site on Mon. XX/XX/XXXX and received an update today XX/XX/XXXX with no information as to when the delinquency would be removed. I then called XXXX and asked the rep when it would be taken off ( the delinquency has already been removed from my other reports on XXXX  and XXXX  ). I was told to call the XXXX Credit Bureau which handled my mortgage at XXXX. I spoke with a chase representative who told me it is handled by Transunion and not them. I called Transunion back and they resubmitted a dispute and I would not get an answer until XX/XX/XXXX. I called Transunion again, not satisfied with the answer and the rep told me it would be taken off XX/XX/XXXX. I am getting the run around and these people at Transunion appear to not know what they are talking about. To sum this up : I first went online in XX/XX/XXXX. I was initially given no response to my question of when this adverse account would be taken off. Next, in XX/XX/XXXX I was told by a rep it would be removed XX/XX/XXXX 7 years after it was first reported. Today, Thursday XXXX XXXX, XXXX I am being told that it would be removed XX/XX/XXXX ; Then again, I was told I would have to wait for the answer on XX/XX/XXXX because the dispute was resubmitted. The bottom line is I was iniitally told after 7 years it would be removed. It has been 7 years and has not been removed and I am getting the run-around. I can not get a simple answer to a simple question. The other credit reporting agencies have removed this delinquent account after 7 years ; why is Transunion being so obstinate? Please help me. Something that should be removed from my credit report after all these years is still there and greatly hurting my credit score. 

thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am personally filing this complaint. A review of my credit report revealed late payment entries. Despite sending letters about this issue over 30 days ago, I've received no response and no satisfactory validation. I'm seeking your help to address this situation.
Product: Mortgage

On XX/XX/XXXX, I reached out to Rocket Mortgage to purchase a home in Delaware as I have used this company in the past. I had difficulty with this company giving me a run of the mill with purchasing a home in the state of my choice. First, it was you live too far to commute, then it was approved as I informed this profilers that I would file a complaint with the CFPB. That was XXXX. Fast forward to XXXX, XXXX  XXXX. I decided to use this company again, thinking my experience would be different. I had a lock placed on my credit to prevent unauthorized access of my credit report without my approval. 

I unlocked it on XXXX XXXX and XXXX/Rocket Mortgage accessed my credit report.See attached document and emails. On XX/XX/XXXX, I contacted XXXX after going through the verification process and spoke to a representative, who informed me that the information given to me by Rocket Mortgage is ludicrous and can't seem to explain any justification for why this company is seeking to pull my credit twice. I also spoke with XXXX and the representative also gave me the similar information. In fact, the representative at XXXX said, there was no lock, freeze or any fraudulent information that would prevent Rocket Mortgage XXXX to not have access. This company has a history of using discriminatory practices when it comes to home ownership and loan approval. In my case, I have excellent credit and my debt to income ratio that they would like to use to deny loans is not an issue in my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts on my credit report that are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX {$3100.00} 2. XXXX XXXX {$1500.00} 3. XXXX {$1000.00} 4. XXXX {$41.00}
Product: Credit reporting or other personal consumer reports

This is in response to the correspondence we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX XXXX regarding the XXXX debt that we acquired in their name, which is now associated with XXXX Reference # XXXX. In an effort to resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus delete our tradeline. Please allow sufficient time for updates to be reflected on XXXX XXXX XXXX 's credit report. Thank you for the opportunity to respond. 

I am writing to you regarding the recent admission made by XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX XXXX '' ), a furnisher of information to your agency, regarding their wrongful actions in reporting derogatory information related to a XXXX debt associated with my name, XXXX XXXX XXXX. 

In their correspondence with the Consumer Financial Protection Bureau, XXXX XXXX confessed to violating my rights by improperly reporting and attempting to collect on this debt. As a result of their admission, they have terminated collection efforts on the debt and have requested the deletion of their tradeline associated with my name from all major credit bureaus, including yours. 

The actions of XXXX XXXX have not only caused me undue stress and inconvenience but have also severely impacted my financial well-being. The derogatory information reported by XXXX XXXX has adversely affected my credit standing, resulting in denied credit applications, higher interest rates, and other financial hardships. 

As a consumer reporting agency, you have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information you report. By failing to properly vet and verify the information provided by XXXX XXXX, you have contributed to the harm inflicted upon me. 

Therefore, I demand the following remedies from your agency : Immediate and permanent deletion of any derogatory information related to the XXXX debt and XXXX XXXX 's collection efforts from my credit report. 
A written confirmation, within 14 days of receipt of this letter, that the requested deletions have been made. 
Compensation in the amount of {$1000.00} for each violation of my rights under the FCRA, totaling [ 5 ] violations. 
An apology letter acknowledging the harm caused by your agency 's failure to ensure the accuracy and fairness of the information reported. 
Failure to comply with these demands within the stipulated timeframe will leave me no choice but to pursue further legal action against your agency for the damages incurred. This may include filing complaints with regulatory authorities and pursuing civil litigation to seek appropriate remedies and compensation.
Product: Checking or savings account

I opened a checking account with Bank of America in XX/XX/XXXX and made direct deposit totaled {$4000.00} by end of XXXX to qualify for the sign up bonus. The advertised terms state that the bonus would be posted within 60 days after fulfilling the requirement, but it hasn't posted as of today. I first called BoA customer service on XX/XX/XXXX and the representative ensured that I qualified for the bonus and put in an escalation for me. She said the investigation would take 7-10 business days. I called again on XXXX and the representative said there was no update and I should check my account in a week for the bonus and call back if nothing. As of today XX/XX/XXXX, there is still nothing, and I doubt calling BoA customer service for the 3rd time will lead to any progress at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a recent credit report with many inaccuracies regarding my inquires, I have already been a victim of identity theft in the past I believe someone else used by information fraudulently to try to gain access, due to the amount of inquiries reporting to XXXX, XXXX, & Equifax it has taken a big hit on my credit which is negatively affecting me here are all of the following inquires with dates that were done without my consent. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I reviewed my consumer report and discovered there were inaccurate items reporting to my consumer report. I have contacted the agency via mail, identifying these inaccuracies with proof of identification. The agency has failed to maintain reasonable procedures to ensure that the information is accurate and relevant regarding my personal information. My current consumer report still includes misspelled names/names that do not belong to me, old addresses, and employees.
Product: Credit card

Subject : Dispute of Inaccurate Information on Consumer Report Dear TransUnion, According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer report may only be furnished in accordance with the written instructions of the consumer to whom it relates. I was never given an opportunity to decide if I wanted the inaccurate and negative information currently on my report to be included.

I did not provide consent to anyone to furnish false or misleading information on my consumer report. I request that you investigate this matter and remove any inaccurate or unauthorized entries immediately. Please confirm in writing once this issue has been resolved.

Thank you for your prompt attention to this matter.