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

In XXXX when I changed mortgage companies from a 30 year mortgage to a 15 year mortgage Trans union dropped my score by 33 points. My payment history on cards and mortgage is impeccable and my credit utilization is low. All my balances were decreasing. 
After a dispute they raised my score by the 33 points and had no explanation. it is funny that when I canceled my paid service with them the score dropped. 
On XX/XX/XXXX they dropped it again by 33 points, with no apparent reason. I did refile a complaint, but am at a loss why it keeps dropping as my balances decrease, my payments on time. 
I also complained that there were unauthorized inquiries on my account they never responded. 
I feel frustrated and always had score in the good range, now in poor range, when I have always paid more then a creditor requested on a monthly bill. 

Any help would be appreciated. 

XXXX XXXX XXXX XXXX
Product: Mortgage

I am trying to close on my parents estate. I paid off the mortgage when my step father passed away, while my mother was still alive. Now the bank PNC is telling me I have to pay off a line of credit that was open back in XXXX. This loan was through National City Bank in Ohio. The debt was wrote off as bad credit by this bank in XXXX. PNC purchased this bank in XXXX and now is trying to get fund already wrote off " as bad debt ''. I have no documentation that this money was ever spent by my parents, nor do I have anything from any of the banks that they ever tried to come after the funds. The bank also can not supply me with any documents stating they tried to get these funds and or any statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2017 my wife and I attempted to get pre-approved for a mortgage. When we got there, my credit report came back that I owed XXXX to XXXX XXXX XXXX and was currently in collections. I have never received any notice that this account was past due or going into collections prior to attempting to get pre-approved for the mortgage. Furthermore, this was a credit card I had stopped using well over a year ago. We contacted the company and the collections agency and they sent us over a itemized list of all the purchases made. At the same time, we discovered the card was missing. 

After receiving the list I filed a fraud report, somewhere around XXXX of 2017. They told us they'd get back to us within 30 days. Months passed, and I would contact weekly asking for updates. There were a lot of purchases, so I was reassured they were going through them. In XXXX of 2017, I contacted the company and they informed me they sold my collections charge to a different company. I then contacted that company and filed another fraud report. I have called weekly since XXXX of 2017 about this fraud report and I am constantly told they are still working on it and it will just be a few more weeks. 

This issue is still not resolved, is still negatively affecting my credit score, and it does not seem to be close to resolving. It shows up on my credit score as a closed account " In Collections/Charge-off. '' The contact information I get on my credit report is as follows : XXXX XXXX XXXX XXXX DISPUTES XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I have been trying to dispute wrong information on my credit report from XXXX XXXX services for a long time company has not sent me any proof that this account belongs to me. And I do not recognize it. All this has brought problems to my life by not being able to use my credit in other places. 

Their is written down below Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on my background check a failure to appear and also shows pending charge for receiving stolen vehicle that Im not guilty of and going to court for on XX/XX/2022 and I do not have any active warrants those were cleared up.
Product: Checking or savings account

Moved to a new apartment in XX/XX/2022. Changed my address. Started getting e-mail alerts from Navy Federal Credit Union telling me to change my address. These alerts did not clarify why I was getting the alerts. Called multiple times and asked representatives why I was getting alerts. They told me nothing but said the issue is resolved. I logged into my account today to pay my bills and it was blocked due to address issues. Today was the first time I was told there was an issue with my address and the XXXX said I have to talk to the post office because my mail keeps getting returned to Navy Federal Credit Union. I asked to get access to my account and the XXXX refused. So I cursed her out. She said it made sense to her that my account is blocked when I have bills to pay and cant pay them. I have other bank accounts elsewhere and Navy Fed is the only XXXX with this issue.
Product: Mortgage

On XXXX XXXX, I contacted my mortgage companys customer service department to let them know that I received my XXXX XXXX property taxes in the mail and to ask if they had been paid. I found out through that call that they had paid only one of the four Parcels my home sits on. She asked me to scan the bills and email to them which I did XXXX XXXX. I was told to wait about a week and to call them back to check the payment status. I have called several times since then with no resolution, every time speaking to a different person. I actually spoke with a manager the last time I called and she promised to get back with me Friday XXXX that would have been the Friday before last. ) Everyone I have spoke with says someone will call me back. I have not received one call. At this point my XXXX XXXX taxes are late, which reflects poorly on my credit. I have been told by them that I can pay the property taxes myself if I am worried. Why should I do this when I have paid this money up front and it is sitting in my escrow? This mortgage was refinanced last year, but they have all the information. All 4 tax bills have always been paid from escrow in past.
Product: Debt collection

I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It was delivered to them on XX/XX/2018 at XXXX XXXX. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ), and my wife did too, and XXXX has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX 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. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  ACCOUNT # XXXX, XXXX XXXX  XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX has violated my rights.15 U. S. C 1681 section 602 A. States I have the right to privacy.15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Status -Date of last payment The specific account ( s ) in question are as follows : XXXX XXXX # XXXX If the accounts can not be properly verified or validated , they must be deleted from my credit report promptly, as required by the FCRA. 


Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Debt collection

This supposed debt is owed to an outfit called MIDLAND FUNDING LLC. The amount of the debt is listed as {$2900.00}. 
This debt has been filed with XXXX and maybe other credit agencies. I have never had any dealings with this company. I am assuming that this belongs to someone else, perhaps with the same name. I have complained through XXXX XXXX and they refuse to release the debt. I don't owe them anything.
Product: Money transfer, virtual currency, or money service

Revolut has closed my account and blacklisted me from opening a new account without any lawful justification. Around XXXX or XXXX of 2022 I received a notification in the Revolut app informing me that I needed to re-verify my identity. The only way of identity verification the app offered was by entering the number of my old debit card that I was previously using with the app and that was no longer available at the time. I do not remember the exact reason the card was no longer available, it could be because the card was lost and replaced with a new one or because the account associated with the card was closed and the card was destroyed. I contacted Revolut support and asked if it was possible to verify my identity in some other way, but was informed that no other verification method was available. Revolut subsequently closed my account and blacklisted me from opening a new account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby declare that the accounts referenced herein were opened fraudulently and without my authorization or consent. Such unauthorized activity constitutes a clear violation of my consumer rights and a breach of trust that I do not take lightly. I demand that these alleged accounts be immediately removed from my consumer report, and that appropriate measures be taken to investigate and hold accountable those responsible for perpetrating this fraud. I have already reported this matter to the XXXX XXXX XXXX and the Texas State Attorney General, and will pursue all available legal remedies to protect my interests and hold those responsible accountable.
Product: Checking or savings account

I located a XXXX XXXX XXXX XXXX through XXXX by the name of XXXX XXXX and XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX ; telephone number XXXX ( XXXX ) XXXX ; and email XXXX. I received a reference and decided to move forward with the purchase. 

On XX/XX/2024, I signed a dog deposit contract that required {$400.00} deposit and {$200.00} for transportation, I have the signed Dog Deposit Contract dated XX/XX/2024 and the Bill of Sale dated XX/XX/2024. The payments were made through XXXX XXXX with my Bank of America XXXX XXXX. There were XXXX payments sent via XXXX XXXX to phone number ( XXXX ) XXXX ( see below ) : XXXX : {$1.00} ( test to make sure payment was accepted ) XXXX : {$390.00} XXXX : {$200.00} The XXXX XXXX XXXX  XXXX  was supposed to be delivered on XXXX, XX/XX/2024. The puppy  was never delivered and I attempted to contact the breeders. The XXXX site, the private message with the breeder and the reference individual ; and the phone numbers were all disconnected. 

I filed XXXX dispute claims with Bank of America on XX/XX/2024. They paid the {$1.00} transaction however they said they are unable to pay the {$390.00} and the {$200.00} transactions because XXXX XXXX is a third party who's responsible for transferring the money from your account to the recipient.They recommend I contact the recipient directly for further assistance with my dispute. I provided Bank of America with copies of the contracts and informed them these individuals were fraudsters so I am not able to contact them to obtain a refund or my money back. 

Under Regulation E, it is my understanding that XXXX XXXX transactions made with a financial institution debit card ( Bank of America ) are covered. In the FAQs in the Transactions section it states that P2P payments can be considered EFTs under Regulation E, and states that any P2P payment that meets the definition of EFT is covered by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Additionally, this section makes clear that P2P payments that use a consumers debit card to transfer funds, credit-push P2P payments that transfer funds out of a consumers deposit, prepaid or mobile account, and P2P debit card pass-through payments are all considered EFTs which are subject to Regulation Es requirements. 

I can provide you copies of the contracts and copies of the XXXX XXXX transactions if needed. I have been a customer of Bank of America for XXXX  years and have never filed a dispute. Everything seemed legitimate based on the contracts, references etc. I just want my money back and based on Regulation E, I believe Bank of America should pay these claims. I have absolutely no way to contact the merchant, since they were fraudsters! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps reporting incorrect dates of reporting with Equifax, XXXX, and XXXX  which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX XXXX XXXX fraudulent activity. 

I have disputed the dates that XXXX  XXXX XXXX has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. XXXX  XXXX XXXX is using fraudulent activity which unlawful per the Fair Credit Reporting Act.
Product: Mortgage

I am filing this deceptive practice complaint with my mortgage company Rocket Mortage. XXXX XXXX XXXX paid me {$5300.00} for some damage to my home on XX/XX/XXXX claim number is XXXX. After fighting with the insurance company to get them to pay, the check finally came in XX/XX/XXXX. In order to cash the check, Rocket Morgage Company has to endorse the check. I sent them the check to endorse it and they didn't want to endorse it because I was behind on the mortgage and they were going to take that money from me for the account. I was in the Fourfance program authorized by the federal government due to Covid and that is the money they say I owe them. In XX/XX/XXXX and continuing, I started making payments again and the change was made as well. I asked to speak to a supervisor in the insurance loss department and spoke to XXXX XXXX. I explained the situation to XXXX XXXX and she told me that she had already reviewed everything and that they were going to send me the check but she demanded that my wife XXXX XXXX and I XXXX XXXX endorse the check. Actually we did not have to endorse the check and there I saw the malice and mockery of her, however the check was endorsed. It's been over 30 days and my check hasn't been sent. I call them and they tell me that I have to send them the damage report and that report was sent from the very beginning with the check. In other calls they tell me that I have to send them the details of the contractor who is going to do the repairs and that applies if I am really late. I have spoken several times with supervisor XXXX XXXX and it has been pure ridicule.
Product: Credit card

I submitted online for a cash amount of {$10000.00} on my Barclays Upromise card for an offer they gave me for 0 % interest until XX/XX/XXXX. This was submitted on XX/XX/XXXX. I received a call to verify my information last Thursday or Friday and answered all questions to verify my identity and was told the amount was being processed and would post to my account. I tried to log into my account over the weekend and was locked out of my account. I could not get anyone on the phone to assist with unlocking my account and after XXXX XXXX of trying to find someone I got in touch with someone who told me I'd need to speak with their security team on Monday XX/XX/XXXX at XXXX. I called this XXXX  reverified my account information, my account was unlocked and then I was transferred to another representative to help process my original request. I was told this offer was now cancelled but no one told me why or who cancelled it. It obviously was not me. They told me it could not be reextended. They would not restored my offer or account available to original amount of XXXX that it would take XXXX hours for that to happen. They told me I could use the balance transfer check I had but if it didn't post by XX/XX/XXXX they would charge me usual apr charges and couldn't guarantee it would post. I requested to speak with a manager. I was told she was in XXXX meetings and was not available. I then requested to have my credit card cancelled as I no longer want to do business with a company that retracts offers for no apparent reason and will not correct their errors.
Product: Mortgage

I filled a complaint a few days ago and Freedom mortgage replied with basic information not the breakdown of {$55000.00} partial claim. 
What was added up to get to XXXX XXXX?!?!
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX. I would like to very strongly complain to whom it may concern ; Wells Fargo has claimed that " arbitration is beneficial because it provides a legally binding decision in a more streamlined, cost-effective manner than a typical court case. '' On the week starting of XX/XX/2022 I experienced, as you categorized serval times over the phone and in person at several branches, a complete account take over. 

The case number that has been provided to me is XXXX. 
Tracking number XXXX. 


To begin, normally I am not made aware of small retail/transaction activity. Even whilst moving from state to state or if the charge amout is out of the ordinary. When it exceeds a certain amount, it is required of me as a card holder to authorize, via a phone call or text message, and verify the transaction. This has never happened in the history of my experience with Wells Fargo. 

Furthermore, when I discovered these unauthorized and alarming transactions i immediately called the bank and had to proved to them my identity over the phone to access my account. 
While i was on the phone it was obvious to me that there were transactions that were not made by me. After having the bank look into the activity, they admittedly categorized these charges as fraudulent. 

I alledge, Wells Fargo blocks access to an efficient or cost-effective dispute resolution. 
It is bad enough that Wells Fargo has engaged in unfair overdraft practices, but now Wells Fargo has first forced customers to arbitrate as individual cases, and then obstructed the arbitration process. It is clear by how Wells Fargo is defending these arbitrations that it not about the promised streamlined and cost-effective resolution of claims, it is about using the arbitration process to attempt to deny any remedy for consumers Confused and anxious, I contacted every branch I have made transactions at, and requested to see video surveillance of the time of transactions not done by me. 

While meeting with the bank reps, they recognized that some transactions were done in person and some online. 

Over the year, I have spent countless hours on the phone with bank representatives, lawyers, law enforcement, mediation and even the FBI to try to settle this. 

HELP ME!!