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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

With the Coronavirus synchrony bank said they were offering help. With the virus and customers struggling I needed to defer this months payment with. No interest to be charged when I called phone hung up on me over and over. Except for making a Payment advised to go online waited an hour they said couldnt help to call. There was no help given to my family. With chase bank I received help. I dont feel in these terrible times that interest should be charged at all by the banks. Secondly there was no one to talk to. Other banks more supportive.
Product: Credit reporting or other personal consumer reports

After a thorough review of my credit reports from all major credit bureaus, I have identified multiple inaccuracies that have adversely affected my ability to obtain credit. I am requesting a detailed review to ensure my credit profile complies with fair credit reporting laws. XXXX, XXXX, and Experian have a duty to ensure that my credit reports are accurate.
Product: Credit card

I have a XXXX credit card with Capital One and it includes a 1.5 % cash back on all purchases. Yesterday ( XXXX/XXXX/15 ) I saw a Capital One ad on TV stating that XXXX cards pay 2.0 % cash back. I called CapOne today and they said my card is stuck at 1.5 % and only new applicants for Spark cards get the higher rate. They refused to raise my cash back rate. The ad did not specify " new applicants '' ; it mere said XXXX cards deliver 2.0 % cash back. That is blatant false advertising.
Product: Checking or savings account

A payment came into my wise usd account from one of my associates. Which afterwards I tried paying some of my suppliers in XXXX for some goods. The payment I tried making to XXXX were stopped and my account was close. I was asked to make an appeal and also provide information for me to get a refund of all the money in my account which I did. After several business an email came that the refund wouldnt come to be without any explanation. 


This has made my customers and associate upset with me. I need my money back as this has caused me a lot this period.
Product: Checking or savings account

I was paid on XX/XX/23 via wire transfer from a closing on a sale of a home. I am a residential realtor and new to the area this was my first sale here. I had opened a chase account being that my other banking institution was not in this area I relocated to. I was informed my account type could not accept wires and that the funds would be returned. When the funds were returned the following XXXX  XX/XX/23 I deposited them into the Chase account and was told funds would be available on XX/XX/XXXX. The mobile app also confirmed this date. On XX/XX/XXXX I logged onto my account to pay bills and noticed the funds would be unavailable until XX/XX/XXXX. Not only has Chase delayed this large deposit from a local reputable title company but they continuously hold small deposits of less than {$500.00} Im paid bi weekly for managing a local bar. Its absolutely ridiculous that XXXX of the largest banks in the country cant cash a routine biweekly check for XXXX of the lowest paid members of the workforce. My hourly pay at the restaurant is only {$7.00}! Yet Chase every other week HAS to hold my 40 hours of compensation XXXX for 3-4 days? This is not proportional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my FTC report, theyve been giving me the run around saying they have received it for 3 weeks after sent in date, all of the other credit bureaus received it 3 days after I sent it. I called 3 times to check the last time I called the supervisor would not answer my questions on my account and then hung up in my face without resolving any of the problems I had brought to his attention.
Product: Mortgage

RE : Foreclosure State Case XXXX Civil XXXX XXXX, Florida Property : XXXX XXXX XXXX XXXX. XXXX Fl. XXXX Mortgage Loan Acct : Mr. Cooper Case Number : XXXX PART 1 Since as early as XXXX/2015  Mr. Cooper [ thru ] employees XXXX XXXX, XXXX, and others known and unknown employees [ with ] their legal representative XXXX  XXXX  XXXX ( by and through ) associates XXXX XXXX ; XXXX XXXX and others known and unknown associates are knowing conspiring to either " facilitate '' and/or " in aiding " abetting in furtherance of the conspiracy ++over-acts++ of [ false statements and deceptive information ] to ( willfully purposely ) delay the confirmation of the successor interest for it will triggers successor becomes the borrower having private rights to assume the mortgage and file private action for violation of federal laws Cooper selling the property and getting away with it for it. 
XXXX PART 2 This federal agency CFPB own regulation as given them a way to get away with it by them just delaying making successor the borrower. 
Was that intentionally sinc eit seems to me the drafters of the regulation are attorneys cheating the public deceptively implementing a rule that looks good to help consumer but in fact leaving it open so the creditors can still cheat the consumer anyways.
Product: Vehicle loan or lease

XXXX XXXX XXXX I bought a used vehicle with a 2 year service contract. The loan for the vehicle & service contract were financed with C.P.S.- Consumer Portfolio services , Inc In XXXX XXXX Ca XXXX I made my payments and paid the car off in full in XX/XX/year>. On XXXX XXXX my car broke down. I brought it to an authorized repair shop for the warranty company. The repair shop submitted the estimate and was denied. I later called the warranty co XXXX  and was told there was never any active warranty on my vehicle with them. I called the dealership to find that they closed down. I called the finance co and was referred to their dealer compliance dept. I have called them every day since XX/XX/year> and still have no resolution. Im told we will call you once we have resolution and no timeline to do so. I have a car I can not drive, I have no service contract and im putting out daily payments to rideshare apps for myself & kids to get around.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with the three credit reporting agencies, Transunion, XXXX, and XXXX. I disputed information contained in my report. The information is from XXXX a collection company phone is XXXX. This collection account is on two reports. transunion and XXXX.. Its not on XXXX. I called the creditor and they said I had to call the credit agency to get them to remove the item from my report. The dispute results came back without it being removed. It is being reported as if its a current collection account and it is not. Last date reported was XX/XX/19 on Experian and XX/XX/19 on Transunion. This is damaging my score and hindering me from getting the credit I am seeking to obtain. Also there is a " DISMISSED '' Chapter XXXX case number XXXX on all three reports and it has been 6 years. I am not understaning why a " DISMISSED '' bankruptcy is still on my reports. I did refile the chapter XXXX and it has a different case number. That one is " DISCHARGED '' so I understand why it is there. But not the " DISMISSED '' one.  Why is the law allowing this if at all. I have disputed this called the agencies to no avail to get these items removed from my credit report. I need your assistance please. Thank you.
Product: Debt collection

On XXXX XXXX, 2016 a loan was taken out in my name with XXXX XXXX and on XXXX XXXX, 2016 another loan with Avant was opened in my name that I did not open and did not authorize anyone to open either of these loans.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the numerous attempts I have made to correct late open accounts on my credit report. These inaccuracies have significantly impacted my credit score and financial standing, and despite my best efforts, the issue remains unresolved. 

The following issues persist on my credit report : I have repeatedly tried to rectify the inaccuracies in my credit report related to late open accounts. These late open accounts do not accurately reflect my actual credit history, as I have consistently made timely payments on all open accounts. However, these erroneous entries continue to mar my credit history, adversely affecting my ability to access credit and other financial opportunities. 
I have made numerous attempts to resolve these issues by contacting the respective creditors, submitting dispute letters, and providing supporting documents, but there has been little to no response or resolution from your end. I understand that the accuracy of credit reporting is crucial, and I am committed to maintaining my financial integrity. 

I kindly request your immediate attention and action in investigating these inaccuracies on my credit report. I expect a thorough review of the information I have submitted and prompt correction of these errors. I also request that you provide me with written updates on the progress of this dispute and the results of your investigation. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions to resolve this matter if these discrepancies are not corrected in a timely manner. It is my hope that such actions will not be required and that we can work together to rectify these inaccuracies promptly. I am asking for your immediate assistance to correct the following late open accounts : XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX Balance : {$8300.00} ; XXXX XXXX  XXXX Balance : {$20000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of an inquiry by Captial One on both of my inquiries XXXX and XXXX from my credit report. The inquiry code is 15 U.S. Code 1602 ( p ). 

I am currently facing financial challenges as result of my XXXX, and I kindly ask for your assistance in resolving this matter promptly. Your understanding and cooperation in this regard would be greatly appreciated.
Product: Debt collection

Despite pleading for assistance and providing ample evidence of identity theft, your bureau has continuously played with my credit report, ignoring my requests and showing a shocking lack of responsiveness. I am a victim of identity theft, and I am appalled at the lack of attention and urgency given to my situation. It is not only your obligation but a legal requirement under the Fair Credit Reporting Act to address and rectify inaccuracies promptly. Instead, my pleas for help have been met with indifference and disregard for the impact this is having on my financial well-being. 
I am demanding immediate action to block the following fraudulent information from my credit report : XXXX  XXXX XXXX XXXX  -- FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 

I want to make it abundantly clear that I have no knowledge of how this theft took place, and I am completely unaware of any suspects involved. I did not receive any money, goods, or services as a result of this identity theft. Despite multiple disputes, your bureau has declined my requests, and until now, no information has been received to address these disputes.
Product: Mortgage

I have asked for a copy of the policy that governs loss mitigation for my investor. 

Servicer Wells Fargo address for complaints response 72hours A copy of loss mitigation procedure before n during COVID With no response from Wells Fargo.
Product: Debt collection

The document provides the identity theft with FTC and request it be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

filed a bankruptcy XXXX XXXX XXXX ReAffirmed 2 mortgages EQuifax XXXX XXXX and XXXX Missing Payment history- previous payment history from my credit profile from both XXXX XXXX and XXXX XXXX have been removed. 
No current reporting for payments- XXXX and XXXX XXXX  refuse to report all payments made from date of reaffirmation which is XXXX XXXX to present All Previous on time payment histories from items included in bankruptcy have been removed XXXX and XXXX XXXX balances not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 when i noticed this account on my credit report with TransUnion i disputed but TransUnion back then never removed it. because in the initial investigation XXXX  XXXX XXXX and XXXX XXXX couched up evidence to convince transunion it was my account and that it wasn't identity theft or that it wasn't fraud and that indeed i wasn't a victim. 
now today after its still remains on my credit report i reach out to transunion again in the midst of disputing other inquiries and charges i brought this on e up. they told me i have to get a letter of deletion from XXXX XXXX/XXXX XXXX in order for transunion to remove the regular inquiry that i dont recognize from my credit report. so I was hoping that cfpb could enforce that.
Product: Checking or savings account

Truist bank charged me on 3 different occasions for overdrafts when my account had money in it. I asked the money be returned and they told me they only correct 2 overdrafts in a two year period regardless if it was the institutions fault. I asked for a copy of that policy and I was told they do not give that policy to customers. I said I would like them to return my money and I was told they could not.
Product: Debt collection

I've noticed that there was a debt with QuadPay under my name and I've never had them nor heard of them. I am a true victim of Identity theft. I've filed police reports as well. By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that this above-mentioned account be permanently removed from my name. Thank you in advance for your WILLFUL rectification of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft.
Product: Mortgage

XXXX was my previous mortgage lender for approximately 9 years plus. Carrington Mortgage bought my loan in XXXX XXXX. Within 3 months of my loan, my escrow amount changed. I did not know my payment amount had changed. I paid the regular amount I pay. Then in XXXX XXXX, I was threaten to foreclose on my house. I could not understand why. I checked my bank and my check had been cash on XXXX/XXXX/XXXX for my XXXX payment. They allegated that it was not a full payment and it had never been applied to my account. In XXXX XXXX I paid my payment online and there website told me it had sucessfully been submitted. See attached copy for both payments. In XXXX XXXX I got another letter threatening a foreclosure again. When I called them they said I had made an error entering my account number. If this was the case why did their website give me deceiving information. In XXXX I decided I was refinancing and to my surprise they had reported to credit bureau ( XXXX ) 30 day notices. This ruined my credit and I was unable to refinance. In XXXX XXXX, XXXX I send them attached complaint requesting a written response and they never did. The confirmation for fax transmittal is also attached. When I received my XXXX XXXX statement it was not reflecting my XXXX XXXX payment. So when I called them I told them that my funds were debited from my bank. They asked me to fax a front and back copy of cancelled check. When I went to my bank they could not provide copy because Carrington had cashed electronically. When I called Carrington back they said to send them my Bank Statement. I said no that I would provide something from the bank. I was told by there Customer Service Department that it would take 15 to 20 days to resolve my issue. I became desperate and decided to find an advocate for Carrington. It was a coincidence that as soon as contacted them they mentioned they had found my payment. I believe they are doing all this to continue to ruin my credit so I can not refinance. Please see attached email. I have filed a complaint with all credit bureaus and Carrington to remove this errornous information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$470.00} Status Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$7600.00} Status Account charged off. {$7600.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$800.00} XXXX Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open.