23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX FL XXXX. I listed some used furniture on XXXX for sale. a buyer contacted by the name of XXXX. he stated he was in a transition process, he send me a check to pay for the items ( copy included ). I deposited the check into my account on XXXX/XXXX/16 with Amtrust Bank ( account # XXXX ) here in XXXX. I waited the two days the bank said it would take for the funds to be availible to take the funds out, withdrew {$1100.00} and wired the money to the movers who would pick up the furniture as per XXXX instructions to the name of XXXX XXXX through XXXX this I did on XXXX/XXXX/16 only after the funds were credited to my account. on today XXXX/XXXX/16 I got a call from the fraud department of Amtrust telling me that the check came back as no good. Really? I when to the bank and asked why they released the funds in the first place I would never have taken the money and wired it otherwise. I wanted to be sure that this buyer was legit before I proceeded I never would have taken the money and wired it to the movers if the bank was holding the money. I asked the bank to refund me the money because I trusted them when they put the money in my account that told me that the buyer was real, that 's is why I waited to take the money to try to avoid being taken by a thief. so how can the bank call me and tell me now that the check was not good and I am out {$1100.00} that is why the regulation exist for the bank to hold the money until they have verify that the check was good and now I am left to pay for their negligence they release the funds I did not asked them to release the funds early eventhough I have enough money in the account to cover the funds I waited for the bank to do their job to verify the validity of the check. I feel the bank should returned the money I lost it was their error in releasing the funds that prompted me to believe this buyer was real no the scammer he turned out to be. the bank allow this scam when the told my the check was good and now they do not want to accept this. maybe they think I am trying to take their money but that is not the case and now I stand to loose my money because the bank did not do the due diligence they are supposed to. I am attaching all the copies I made of the check I received together with the copy of the envelope in which it came and a copy of the XXXX receipt of the money I wired to this XXXX XXXX. I also have several text messages between me and the buyer over several days while I was waiting for the check to clear. but I do n't know how to attached them to this complaint if there is a way I can forwarded them please let me know I will so that you know I am telling you the truth. I can be reach at XXXX XXXX XXXX or XXXX XXXX
Product: Student loan

XXXXXXXX XXXX student loans were put in my bankruptcy that has been removed off my credit report for loans that I couldnt pay many years ago. Between XXXX This company kept renewing the amount until now its out of control. The amounts are so high now from interest. The presiding judge at that time when I filled bankruptcy asked did I want the private student loans in the bankruptcy I said yes. 
Here is the current information that I kept receiving from Navient Solutions - NPCO off Bureau Debt description : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This information should have been in my bankruptcy many years ago Here are the XXXX XXXX numbers for the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX/XXXX. ( Please see pages 6, 7 and 8 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Debt collection

Convergent Outsourcing has put a collection in the amount of {$2600.00} by XXXX. Please note this is not my account, I do not have and have not had XXXX I have not received any form of letter or notification from this company so I can prove or validate this company. I first found out about this account when I received a credit alert, which prompted me to freeze and lock my credit profile on an already extended credit alert that I added to all 3 of my credit profiles to avoid issues and misreporting information as such. I contacted this company on XX/XX/XXXX inquiring about this account and the representative appeared to not have no information for me or on me. But yet proceeded to ask me several questions to search for an account they put on my credit report that she could not find in her system. This account was fraudulent and bogusly put on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed a contract allowing XXXX XXXX XXXX ( Account # XXXX ) to access my credit report. I asked for validation for the debt and never received it. I also asked Experian to conduct a full investigation of this account and send me the results but I never got a response. 

Neither Experian or XXXX XXXX XXXX have provided me documentation showing how I owe this debt and continue to ignore me despite how many times I call and send letters. 

This account is keeping me homeless and preventing me from getting a place to live for me and my XXXX. Please delete it immediately!
Product: Credit card or prepaid card

On XX/XX/XXXX when I went to pay my HSN credit card bill ( which my due date has always been the XXXX of the month ) I noticed I was charged a late fee and it said my bill was due XX/XX/XXXX. I looked back at the prior month and noticed they also charged me a late fee in XXXX and XX/XX/XXXX, but not prior to that. I called and was told my due date was changed to the XXXX of the month and they noted it on my statement. I asked why I wasnt sent a separate communication alerting me of the change and was told the statement showed the change. As a consumer I should have been notified by another means about this account change. It will now affect my credit report showing late payments and Ive never been late paying this company. The months they charged me I paid on the original due date of my account. I was told they will only reverse this months fee and will not change my credit reporting information. I feel this is a UDAAP concern as it is unfair and deceptive to me as a consumer to have a change in terms that is only noted on a statement and not through a separate communication that will properly notify me of the upcoming change.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a mortgage delinquency noted on my Experian credit report. I've contacted the company, XXXX, and their investigation has revealed that they did not report to Experian that my mortgage, which was in forbearance, as being delinquent. I've opened a dispute with Experian and was told that it's going to take 30 days to correct. I do not have 30 days. I am in contract to purchase another property and if I don't receive a mortgage commitment within the next 7 days, the contract will become null and void. I've asked Experian to expedite this matter and was told by the rep that they have no control over expediting disputes as it's all done by computer which is a wholly inadequate response. I also opened a chat session on Experian.com and was told via chat that I was correct that XXXX  did not report me as being delinquent. This seems to be an Experian error and I need it corrected immediately.
Product: Credit reporting or other personal consumer reports

Account # XXXX Account Status CLOSED Payment Status Current Balance Owed {$0.00} Payment Amount {$0.00} Credit Limit -- Recent Payment History XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - Days Late - 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX View Complete History Creditor Remarks Closed Account Type Secured Last Payment XX/XX/XXXX Account Verified XX/XX/XXXX Date Opened XX/XX/XXXX High Balance {$720.00} Term Length 24 Month ( XXXX ) Payment Frequency Monthly Account Rating Paid or paying as agreed Account Description Individual account, Ins as per sections 609 ( e ), 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. Please investigate this matter and correct the fraudulent [ charge/debit ] as soon as possible and delete from all credit reporting bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REFUSES TO MOVE THIS FRAUDLENT INQUIRY ; THIS INQUIRY IS IDENTIY THEFT AND MUST BE REMOVED BLOCK AND REMOVE XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially began disputing this account with each of the credit bureaus in XX/XX/XXXX. The responses from the bureaus reflected that this account entry was verified. I sent XXXX 's a letter ( see attached ) in XX/XX/XXXX, requesting that they investigate this account. My formal request included informing them that each of the 3 bureau reflected a different charge off date. This was the first inaccuracy. Additionally, I requested that they submit a payment history of the account as well as the accounting ledger they maintained that reflects all payments made. Too, this would verify that the amount alleged as owed is indeed accurate and more importantly, it would reflect when this account was charged off as well as if XXXX 's wrote the account off as a profit and loss. 

I received documentation from XXXX 's dated XX/XX/XXXX ( see attached ) which was over a year old from when I actually submitted a dispute. How then was this company able to send me a letter dated for XX/XX/XXXX when my initial dispute to them was in XX/XX/XXXX? As reflected on the letter, XXXX XXXX ( as signed ) stated this response she provided was based on my inquiry, yet as I have mentioned, I only requested this information in XX/XX/XXXX. It appears this letter is backdated in order for them to cover up the fact that they are violating my consumer rights. Included within this letter was a check dated for XX/XX/XXXX. If this was the only payment made, then why did they not provide me a clear registry that reflects this. Also, they again did NOT honor my request to prove that the balance they are alleging I owe is accurate, timely and verifiable. 

What is the actual charge off date? Where are the summaries of payment history for this account? What does the general ledger account reflect for this account? All of this requested information should be housed with XXXX 's and provided to me upon request. It 's obvious this company can not substantiate their reporting as the FDCPA outlines as well as the FCRA ; therefore, this entry must be DELETED!
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my accoutrement. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I never applied for any of the accounts listed and would please like them removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I have sent over 7 emails a registered letter to request the stop of a wage garnishment which by law I can stop any time. I have asked the company to mail me a copy of all documentation on the loan and each time they respond as if they are just ignoring my request. They claim through e mail the amount due is around XXXX. They are misleading me as a consumer as after taking a look into this company they actually charge a interest rate of over 700 %. I am disputing this as the law limits the amount of they can charge in fees by law even in the state of California. They claim to be doing business under tribe law but in the fine print it says that the tribe does not guarantee this. I need documentation sent to me in the mail for further review and they need to send me written communication that they got my registered letter. I have copies of all e mails and the register letter I sent and the receipt that it was sent and receive by the company.
Product: Credit reporting or other personal consumer reports

XXXX  i filed bankruptcy and West Lake service was part of my bankruptcy discharge. however, around XXXX - XXXX of XXXX West Lake service showed up on my credit report with inaccurate information listed the account as a charge off and with incorrect balance due on all three credit reports that impacted my credit profile.
Product: Credit card

I just used the XXXX app to monitor my credit, when I noticed that I could apply for the Capital One card. The approval odds were listed in green, and said " good. '' I applied, but my application apparently was n't accepted. I have decent credit, and believe that I am being descriminated against.
Product: Mortgage

Exploring options to consolidate debt, I looked toward my existing mortgage holder, Wells Fargo. On the account summary page to the right side there is a planning and tools section. One link is " View your FICO credit score '' - I did and onXX/XX/XXXX it was XXXX. Knowing that is an excellent score I decided to explore their options and completed their Credit Options Guide. I then called in to explore the options presented as possible solutions in the guide. I spoke to : XXXX XXXX Inbound Sales Specialist XXXX, ext. XXXX ( She was very polite ) She took my info, understood that my goal was to consolidate my credit card debt, {$36000.00} worth by using the equity in my home. XXXX estimate that night was {$220000.00} and my mortgage balance was just over {$84000.00}. I am in insurance and financial sales as a XXXX worker I do not have a " regular paycheck '' so with the XXXX score the information provided it seemed like a good solution to reduce interest expense and allow me to pay off my debt much sooner than the current pace. 

I was eventually declined because of my total amount owed is too high and my debt payments would be too high - the woman that called me to tell me I was declined actually said after I reiterated that my goal was to pay off the CC debt, that they were concerned I would just run it up again. I get that, but isn't that true of anyone who consolidates debt? 

In the letter dated XX/XX/XXXX, they stated that my credit score is XXXX, 29 points lower than the FICO score on their website. The night I received the letter I went back and again selected the link " View your FICO credit score '' and this time it came back as XXXX, just two points lower, not 29. 

My complaint and what I would like to have happen : The " View your FICO credit score '' is  misleading - I would not have applied for a HELOC of {$40000.00} with a XXXX score. How many other people are being baited into making a financial decision that can have a negative effect on their ability to apply for credit again with another lender by being told they have a much higher score than they really have? 

I would like the Decline to be removed from my credit report so that when I do reduce my debt and apply elsewhere I am not negatively effected by the Wells Fargo decision.
Product: Credit reporting or other personal consumer reports

I am doing this report for Transunion. They know which inquiries on my credit report are fraudulent. I had to fill this out for Transunion purposes.
Product: Mortgage

Around XX/XX/2018 I contacted my mortgage company to see if they were having refinancing specials such as paying for the appraisals and they said yes. So I applied to refinance on my home. They asked me what I thought the value was and I told them what last years ' value was based on a previous refinance which was {$160000.00}. I was approved to refinance and after submitting all my paperwork I was told a few of weeks later that an appraiser needed to come out and that I had to pay {$510.00} for it. I questioned the part about having to pay because initially I was told that I wouldn't have to so after consulting with their people, they said that I would get it back in closing. I asked if they could use the appraisal from last year since it was with the same mortgage company and they said no. Well the appraisal came back less than the previous years ' report. It was appraised at {$120000.00} and they denied me the refinance. I don't understand why my approval was based on last years and if that was the determining factor why didn't they do that first. I owe {$100000.00} on my home and couldn't understand why they wouldn't just refinance it with that amount. I felt discrimination from the appraisers when they came out and that they wouldn't give me a fair report. The home across the road from mine is listed to sell for {$490000.00} and the homes are valued much higher than that. I disputed that appraisal because the report wasn't accurate and the listing on XXXX doesn't give the accurate report of my home. The sq ft that's listed on XXXX is 1495 when actually it's 3400 sq ft. My dispute was denied and if I wanted to proceed with the loan application I would have to bring {$10000.00} to closing which I didn't understand. So the loan was denied and I'm out of {$510.00} and another inquiry on my credit report for the next 2 years. Which caused my score to drop. I still would like to refinance my home to take care of the financial needs that I have. I'm not sure what to do at this point and need help to at least get a refund.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that my identity was stolen. Someone filed an unemployment claim in my name. And despite a fraud alert on all three credit reporting agencies, someone was able to open a credit card in my name with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL
Product: Credit card or prepaid card

I have paid the full balance {$390.00} on XX/XX/2019, I have a statement that has been sent to me that will be uploaded on Monday that shows this, I received a new statement the following month with a late fee of {$27.00}, I failed to realize that and contact the company about the late fee, also why would there be a late fee if I have paid the full balance, the company continued to add late fees to late fees, after which the phone calls started to convince me to pay the all the late fees, I have tried to explain to the people on the other end that it is not right to pay late fees to late fees and they should be reversed, but I was warned that if I did not take care of these there will be additional late fees, I would like Consumer Finance to investigate this matter as it XXXX fall in predatory landing practices, also they have added a late fee charge to my credit report, even though I was not late and the balance was paid in full. 
I have filed a complaint with XXXX, but they are of no help, they have closed my complaint without a resolution until 90 days pass and whether or not the business decides to respond after which they will try again, I guess?
Product: Debt collection

Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law.

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I have attached an FTC report with prior things I disputed for identifying Theft which were not removed or removed and placed back into my credit file under a new name by Equifax.
Product: Credit reporting or other personal consumer reports

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