23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Mortgage

I have a mortgage that was transferred to Greentree Servicing. Since the loan was transferred, the service is rude. Recently, my husband was off work due to a XXXX and we were late in making our payment. We advised Greentree that the payment would not be made until the XXXX of the month, when we would have another paycheck. They continued to call 3-4 times a day and also at my place of employment. I questioned this and told them that I had previously requsted that no calls be made to me at my place of employment. They indicated that the account was noted and they had called in error. In the past 3 weeks I have received over XXXX calls from Greentree at my place of employment by the same individual that indicated that my account was noted for no more calls. I had even gone so far as requesting that the phone number be removed from their system, yet they continue to call. My 2nd issue is that their billing statements do not list what the monthly payment is. We recently had an escrow change, and I paid that amount and the payment say in unapplied and was not credited to a payment. The analysis indicated my payment was {$1200.00} yet when I paid {$1200.00}, the payment again sat in unapplied and did not post to my account. Yet they continue to call me day and night AND at my place of employment. No where on the billing statement does it give a breakdown of what is due ;. Since the last notification I recvd for a payment change was the Analysis in XXXX, I have paid that amount yet, the payment still sits in unapplied. They refuse to indicate what the past due payment represents. Since the loan transferred to GT about 2 years ago, we were only late this one time XXXX XX/XX/XXXX 2016 ) and now the XXXX payment is sitting in undisbursed. They have an obligation to explain the amount due, which they do not. I want action taken against them for continuing to harass me at work multiple times a day when it is very clear that they have my request to not receive calls at work. Since my loan transferred, I have also been charged a late charge, when per my contract, I should have been. It indicates a late charge would be assessed on the unpaid principal and interest portion of my payment. I made the principal and interest prior to the end of my XXXX day grace period, yet they still charged me a late charge, because my escrow portion of the payment had not been paid ( I paid that the following week ). They are impossible to work with and do not answer questions when asked and frustrate me to the point where I ca n't take their calls. I have no intention of defaulting on my loan but they continue to treat me rudely and threaten me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ( points before ) XXXX ( Points after ) XXXX ( Amount taken out ) 38 pts We found 1 change to your XXXX  credit report. 
Accounts Removed XXXX XXXX XXXX/XXXX  XXXX Account Removed From Report I have no had a student loan for over 5 years and this was paid off. This has came out of my account more then 4 times and has greatly impacted my score. i have worked 2 solid years working to rebuild my credit however this dep of education has been removed 3 seperate occasions and dropped my score over 70 points. This needs to be resolved ASAP
Product: Credit card

I applied for a credit card increase and was DENIED. On XX/XX/year> I contacted CAPITAL ONE 'S CARD DIVISION. Upon contact i explained that the call was being recorded. I explained to the SUPERVISOR over the credit department by the name of XXXX XXXX that my CONSUMER RIGHTS [ 15 USC 1602 ], [ 15 USC 1681 ] were in VIOLATION. XXXX XXXX was very UNPROFESSIONAL AND VERY RUDE. This individual took it upon her self to tell me that I was DENIED a Increase to my credit card on file and that it was final. I actually informed XXXX XXXX of the CONSUMER LAW 'S [ 15 USC 1602 ] AND [ 15 USC 1681 ], BUT TO NO AVAIL I WAS RUDELY [ DENIED ] and also hung up on over the phone. I AM TRULY APPALLED BY THE WAY THIS MATTER WAS HANDLED AND ALSO DISGUSTED AT CAPITAL ONE 'S DECISION TO HIRE SOMEONE INCOMPETENT AND DOES NOT HER COMMON LAW 'S. WOW!!!!
Product: Debt collection

I recently bought a copy of my credit reports and to my surprise and without my knowledge, there is an account reporting on my credit that does not belong to me. I recently contacted the creditor Grain, and they could not verify the debt was mine at all yet it is reporting on my credit report. This account was digitally opened by someone and now it is reflecting negatively on my credit reports. The original creditor can not verify that the account belongs to me and i do not believe i should be penalized for actions i did not commit.
Product: Credit card

XX/XX/XXXX I set up for an automatic recurring payment of {$50.00} a month to come out every month starting XX/XX/XXXX. On that same day, I know it is XXXX days later when I was hit with overdrafts that they paid off my entire balance without my authorization. I reached out to them numerous times I believe it was XXXX and every time on my account nothing shows that I authorize them to pay off my entire balance, and all of their operators said the same thing that they dont see how this couldve happened. Now theyre telling me they have until XX/XX/XXXX to resolve this when it was nothing I did wrong in the first place. All I want is my money back. Why would I set up a recurring payment if I was gon na pay off my balance?
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX, we must remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts have inaccuracies in terms of reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

" I am a victim of identity theft and have a police report or FTC ID theft. '' In the comments section, paste the following : " I am a victim of a data breach and identity theft.

Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC reports and other relevant documents.
Product: Checking or savings account

I made a {$3000.00} down payment on a car at XXXX XXXX XXXX CT from my Wells Fargo Checking Account on XX/XX/2023. The payment didn't seem to go through and XXXX XXXX said they never received the {$3000.00} from Wells Fargo. I never received the {$3000.00} back into my Checking Account after this unsuccessful transaction. My son paid for the down payment in the amount of {$3500.00}. I opened a claim with Wells Fargo to resolve my missing {$3000.00}, but they are denying my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are showing as negative on my credit report despite repeated attempts to have them removed. Experian has failed to produce documentation with my signature that says I am the owner of the following account : Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX   XXXX {$480.00} {$300.00} 160 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} {$300.00} 149 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - {$300.00} - Revolving Unknown XX/XX/XXXX XXXX
Product: Mortgage

This bank is difficult to get updates. I just called and they told me they could not give me any updates except that the file was in XXXX. I message the negotiator everyday in XXXX and do n't get a response for 2 weeks. My client is getting stressed out an the buyer is anxious. We have a signed atp and I am not sure what is taking so long.
Product: Debt collection

On XX/XX/XXXX at XXXXXXXX XXXX I called Credit Collection Services regarding an account on my credit report. I have disputed this account many times due to the inaccuracy of the date it was opened they have reported XX/XX/XXXX and when I called the representative stated XX/XX/XXXX and the last payment information was not reflected on my report and during the phone call the representative stated {$330.00} was the last payment which was made XXXX XXXX. This has been inaccurately reported on my account since XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and now XX/XX/XXXX. With no proper changes it is their responsibility to report accurately. 

According to the FDCPA The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. This includes reporting inaccurate information to credit reporting agencies. Specifically, Section 807 of the FDCPA outlines these prohibitions. 

Additionally, the Fair Credit Reporting Act ( FCRA ) governs how debts are reported in credit reports and provides consumers with rights regarding the accuracy of their credit information. 

This has been damaging my credit for 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Credit Bureau XXXX XXXX XXXX XX/XX/2023 RE : Complaint ID XXXX ( XXXX XXXX ) XXXX XXXX Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/2023 } and I noticed an unauthorized credit inquiry had been made. 
I contacted { XXXX XXXX XXXX XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an unemployment card from the state of Michigan. The card is issued thru Bank of America. 

Last week I noted a fraudulent withdrawal on the card. I contacted the bank at XXXX which us their general customer service number. I waited on hold 51 minutes and then they disconnected me. 

I contacted the fraud phone number 5 times and each time I explained my issue and the agent disconnected the call. This number is XXXX. 

I contacted the bank 's regular customer service number where my wife has her accounts. They said they are separate companies and transferred me back to the other number and again they hung up on me. 

I emailed the XXXX. 

They have not responded to me. 

Meanwhile, there was a fraudulent withdrawal on the card and my funds continue to be sent to an account that is the victim of fraud.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them.

Account Name : XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry that is supposed to fall off XX/XX/2020 and it hasn't. info on XXXX credit bureau states it will push to XX/XX/2020. No acceptable. Two years is two years. it needs to come off immediately.
Product: Credit reporting

I have tried multiple times to get Equifax to remove/correct certain accounts that are reporting on my credit report and each time they have failed to follow the FCRA or the FCBA. They have for months now violated my consumer rights and have not provided me with a proper method of verification nor have they corrected the status of the accounts i disputed. Each time I asked equifax to either correct it or delete and all I get is an automated response back with no changes. below are the accounts that are not resolved. 

XXXX XXXX XXXX XXXX # XXXX - this account is paid and closed but is reporting incorrect payment history. 

XXXX # XXXX - this account is charged off yet is reporting a balance which is a violation of the FCRA and FCBA. This account needs to be removed. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off yet still reporting a blance. I have tried many times to have this corrected and Equifax does nothing. 

XXXX # XXXX - this is a charged off account yet again reporting a balance. Equifax did nothing again to resolve this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

Our mortgage was sold to XXXX Mortgage servicing. We sold our old home.The first week of XXXX I contacted them to " recast '' my mortgage. I placed many calls, and was given an astonishing amount of bad information, no action was done, and they would not return my calls. 

Finally, after realizing they would not communicate or cooperate with me, I decided to simply pay off the mortgage. 

I have paid off mortgages, so getting the payoff amount is a simple process. I paid the principal because they would not give me a payoff amount. They will not give me any interest not covered, or any information about my escrow account. 

We are now in the XXXX month of trying to take care of business. This neglect would not happen if they were trying to do a legitimate business. A real business solves problems, and takes care of basic processes. 

I therefore suspect that they do things they way they are doing because it obviously suits their interest. 

This makes me suspect fraudulent business practice. I can think of no other explanation.
Product: Credit reporting or other personal consumer reports

I had a previous loan of XXXX on XX/XX/2022 from XXXX XXXX XXXX XXXX due to unforeseen circumstances, was not settled within the designated timeline. However, i have recently settled the entire outstanding amount with the firm and have obtaines a No objection certificate ( NOC ) as a proof of settlement Regrattably, despite the settlement and the issauance of XXXX my XXXX report continews to reflect a wilful default status which is significantly impacting my finincial endeavors perticularly my recent application for loan from a reputed Bank
Product: Consumer Loan

I had my auto loan set up on auto draft since the time I opened my account. Apparently in XXXX of 2016, Credit Acceptance started having a problem with my auto draft. They did not notify me of the problem until XXXX of 2016. By that time, my auto loan had reported 4 straight months of delinquency. I immediately paid them all of the payments, and we corrected the auto draft problem together. Now, Credit Acceptance will not correct my reported pay history, even though they did not even notify me of a problem with my payments being processed.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Obtaining Information Under False Pretenses states any person knowingly and willfully obtains on a consumer from a consumer reporting agency under false pretenses shall be fined under the title 18, Imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two new accounts were opened. Credit score was reduced from XXXX to XXXX indicating the use of new credit lowered my score. I am retired and have a {$42000.00} personal annual income. The credit I am using is {$2700.00} which is 0.0644 % of my annual income. I have no mortgage, auto loan payments other than monthly credit card debt which is paid in full each month. The two new loans were for the purchase of {$320.00} and {$1100.00} items on a vendor promotion. Payments are {$28.00} and {$99.00} respectively and are debited from my checking account automatically on a monthly scheduled payment schedule until each item is paid in full over 12 months. See results below. 
On XX/XX/XXXX your score decreased by 8 points.

Credit Used The percentage of available credit that you're using increased, from 2 % to 3 %. 
Total Debt The amount that you owe on loans and credit accounts increased, from {$1600.00} to {$2700.00}. Examples of loans include student loans, personal loans, and mortgages. Examples of credit accounts include credit cards and lines of credit. 
Available Credit Your available credit increased, from {$83000.00} to {$84000.00}. 

TransUnion Credit Report Check your credit report for signs of theft, fraud, or error. 
Updated : XX/XX/XXXX Accounts & Balances You have a total of 26 accounts, 9 of them are open, and 17 of them are closed. 

1 New 1 Negative 0 Disputed Balance Breakdown Credit Cards {$2700.00} Real Estate {$0.00} Auto Loans {$0.00} Personal Loans {$0.00} Other {$0.00} {$2700.00} Total Balance Owed Inquiries Number of times that lenders have reviewed your credit report. 
2 Total Public Records Number of records provided by county, state, and federal courts.

0 Total Personal Information Information that you've supplied to lenders. 
XXXX XXXX XXXX Birth Date XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX Ct XXXX, FL XXXX Employer Name XXXX XXXX
Product: Debt collection

On XX/XX/2022, I mailed a debt validation and cease and desist letter through certified mail. Pervious to the debt validation and cease and desist letter, I requested for the agreement XX/XX/2022 but instead Discover attempted to collect payment on alleged debt as well as contact information. Instead of being connected to a so called team who can send my agreement the conversation was closed. Discover also discover provided two different numbers for me to contact to request the agreement but instead it was a number of an automated voice attempt to collect payment. Under federal law they are required to send the agreement upon request. 
Below I will attach the Debt Validation and Cease and Desist Mailed on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

My VentureOne credit card from CapitalOne Bank ending in XXXX have disappeared from ALL THREE credit reports, I have contacted CapitalOne Bank and advised them of this issue since the beginning, they keep saying it will get resolve in the next billing cycle, but It has been several months with no resolution to this issue, and to why this credit card suddenly disappeared and no longer being reported to ALL THREE credit bureaus.

Account is in good standing, never late opened back in 2016, one of my oldest credit cards, my credit score went down several points due to this card no longer being reported to the credit bureaus ( XXXX, XXXX, XXXX ) I also wanted to mention I have added my husband as an authorized user ( Manager ) on this same account and also for him this card is not being reported on his credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the original contract from Equifax, XXXX, and XXXX on a collections account in my credit report. Each time I have tried to contact them dating back to XX/XX/2018 none of the three could verify that the actual debt was valid. Which leads me to believe all three, Equifax XXXX and XXXX are all miss informing creditors of my information, and in violation of federal law.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX - XXXX - {$75000.00} XXXX XXXX  XXXX - {$3100.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX XXXX  to send me a 1099 C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service Publication 4681 and the 1099C Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX {$250.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00}
Product: Credit reporting

I would like to know why Experian has given me a score of XXXX XXXX XXXX & XXXX XXXX consider me an excellent credit score. 
Last year I furnished all bureaus the same settlement info. Recently I applied for a credit card with XXXX and was denied because of Experian 's report? I would like to know if they have some magical process that is some how different from the other XXXX? I bothered to fix my credit only to have it remain tarnished. It appears more political than ethical when it comes to banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2014 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

CONDOR CAPTL XX/XX/2014 2014
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive attempted to have this account disputed from all three major credit bureau 's. Ive never attempted to obtain any financing from Sun loan, nor have I ever applied for or received any type of loan through this company.