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

In XX/XX/XXXX I contacted XXXX about student loan forgiveness or Debt Consolidation. As I was beginning the process they placed my loan in deferment. In XX/XX/XXXX the Debt Consolidation was concluded and my new servicer is XXXX. On XX/XX/XXXX XXXX reported to the credit agencies that my loans where over 120 days late on payment as of XX/XX/XXXX. I contacted XXXX and they said that since my loans where no longer with them they could not help. This caused a sever drop in my credit score which has caused me to be denied for my home loan.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I made a request to transfer funds ( {$1000.00} ) to an external account. Chase deducted the money from our checking account. Later that same day, I received a Secure Message within my account notifying me Chase could not complete the transfer. Chase never returned the {$1000.00} to our account. I have sent multiple secure messages, spoken to 5 different Chase agents at several different departments. Two acknowledged that the transfer didn't go through and transferred me to another department whose representative stated that the transfer did go through and that he didn't have access to any information ( i.e., the Secure Message from Chase ) to the contrary. He had no other suggestions and insisted it did go through. The amount never went through. I called XXXX XXXX to confirm XXXX XXXX never received an incoming or pending transfer notice and none shows in my online account at XXXX XXXX. Chase has not returned our {$1000.00} and it has been 6 days now with no end in sight to this problem. XXXX XXXX has no record of the incoming transfer because, as Chase acknowledged in one area of their website ( but not in the account itself ), it didn't go through. So, to reiterate, even though I have written proof from Chase in my account Secure Messages confirming this, no one at Chase will acknowledge it or help us get our money back from Chase. Chase has our money and won't return it to the Chase account it belongs in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, someone applied for an XXXX credit card at XXXX XXXX. Now i have a fraudulent hard inquiry in my credit report, i ask TransUnion to remove it but they refused. I received a letter from XXXX XXXX letting me know, they ask TransUnion to removed the fraudulent hard inquiry from my credit report but nothing has changed yet. Im very frustrated, this is a very serious matter and TransUnion is not willing to help. Please remove XXXX/XXXX XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to stop agency from reporting information. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX Accordingly, 15 U.S.C. 1681 602 ( a ) states, I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2, further states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company is sending me a collection notice from an closed account from 2003. Statue of limitation in the State of California has been more than 4 years.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Trans union is now on day XXXX of opening an online dispute and closing it days before it was to be evaluated. I have received NO information on any disputes in the mail or online. All my online disputes have been closed without response and no proof for closing has been provided Trans union has violated XXXX. XXXX in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; When provided with XXXX report its clear multiple accounts Transunion has reported are both old and fraudulent, accounts have all beeen reported to FTC and Transunion has evaluate or resolve any issues. When mailed information Transunion has disregarded letters and information they are required to use for evaluations. When provided with conflicting information vaulting Transunion attempts to update files instead of remove as legally required. Never once have i requested an update and Transunion has sided with business instead of properly running disputes.
Product: Debt collection

I sent certified communication to this company requesting the validation of the debt they state I owe them. I requested the legal signed agreement that represents this debt is associated to me and owed by me. The documentation I received were cellular phone statements with no activity. This is not valid documentation that shows this debt is associated with me.
Product: Mortgage

I submitted a letter to Ocwen bank like they told me to do over the phone when I called them about my mortgage pmi. I told them I would like to have them look at my account and see about the removal of the pmi since my house is clearly well over the 20 % threashold. They sent me a letter back stating that my ltv was 95 % which there is no way. I would like an appraisal done and shown that this is false. 
Please Help.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While trying to qualify for a mortgage, my lender indicated that there was several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me were not associated with me and I have no idea what these negative items are about.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time filing a complaint in regards to my credit reporting for my US Bank Mortgage. In my previous complaints, US Bank acknowledge that I was given false information and agreed to suppress XXXX and XX/XX/2022 payments. But they did not address the negative reporting of XX/XX/2022 payment and as this payment was also due to the false information that was given to me, the negative reporting for XX/XX/2022 should be suppressed too. The fact that US Bank continues to drag this on is very concerning. It shows that this company does not care about its consumer and will just say anything to get you off the phone. As to save time I have attached the previous disputes and screenshot of my credit report showing the negative reporting for XXXX. Please remove all negative reporting for XXXX, XXXX, and XX/XX/2022.
Product: Credit card or prepaid card

I been waiting to receive my new REVVI Card credit card for over 2 months. I still havent received my new REVVI Card credit card with my credit limit of {$300.00}. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit card or prepaid card

I own a small music school. I collect payments from my customers using their credit cards. Another company, Fiserv, processes the transactions, and forwards the money to me minus fees. 
I receive statements from Fiserv showing the details. In the last two months they suddenly started subtracting money for " adjustments ''. I called and they said this was for tax withholding. 
This money is for my gross sales. I don't owe taxes on gross sales. And, I never authorized such activity. 
They have misappropriated almost {$10000.00} of my money in two months and my business is now in jeopardy. 
I know of another business owner who lost {$6000.00} to this same company. 
Fiserv, XXXX, Nebraska. website : XXXX  XXXX
Product: Debt collection

I received a call at my moms number, it was XXXX something in the morning CST. It was a person with the Company LVNV collecting a bill for internet with XXXX. Well I already have a company prior to this company on my report collecting this. They told me they was collecting for XXXX XXXX XXXX, which is the collection company that was first trying to collect a bill that was not owed due to the original creditor had credited back that bill for internet not working properly and we had cancelled the service for non service. So both companies LVNV & XXXX XXXX XXXX are on my credit reports trying to collect a bill not owed, also XXXX is a no contract company for services. If a contract was made it was without knowledge of this, unless they sneak it in as a signature of install by the tech paperwork on install and told that it is a signature they need to prove hook up, which is illegal to make it a contract off of that.
Product: Credit card

I am writing to formally file a complaint regarding my experience with American Express and its refusal to approve my application for a credit card, as well as its apparent blacklisting of my identity. I applied for an American Express Platinum Card on XX/XX/XXXX ( application number : XXXX ). Despite my good faith efforts to address my credit history, American Express denied my application immediately, and subsequent correspondence has indicated that I have been placed on an internal blacklist by the company, which I believe is unlawful.

American Express Cast The First Stone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I wrote to American Express requesting that my name be removed from any internal blacklist affecting my ability to obtain a credit card. I acknowledged previous identity theft-related negative marks on my credit history, but I have been working diligently with credit restoration specialists from XXXX, XXXX, and XXXX to improve my credit file. I also raised concerns about possible discrimination, citing the Equal Credit Opportunity Act ( ECOA ) and Fair Credit Reporting Act ( FCRA ), requesting that American Express review my case for discriminatory factors.

On XX/XX/XXXX, I received a letter from American Express explaining that my application was declined due to the cancellation of my previous account. I wrote Amex regarding a difficult divorce, which resulted in financial loss and identity theft. I believe this account closure, which occurred under extreme personal and financial hardship, should not impact my ability to secure a new credit card today.

Blacklisting previous credit card customers is illegal, unconstitutional, harmful, and discriminatory. The FCRA, passed in XXXX, prohibits the maintenance of hard blacklists to prevent discrimination in lending and ensure proper use of citizens ' private data. The ECOA, enacted in XXXX, also forbids maintaining blacklists to ensure fair and equal access to credit for all consumers. Blacklisting exacerbates economic inequalities and permanently excludes individuals from access to credit, blacklisting prevents people from rebuilding their financial lives. Blacklisting denies individuals the opportunity to challenge or appeal their status, which goes against principles of fairness and due process and unfortunately widespread blacklisting can have broader economic consequences by limiting consumer spending and economic growth. Blacklists often contain errors that unfairly penalize innocent consumers who have fallen victim to identity theft. Blacklisting contradicts the societal goal of allowing individuals to improve their credit standing. The criteria for blacklisting is inconsistent or arbitrary, leading to unfair treatment of consumers.
Product: Student loan

New married name : XXXX XXXX XXXX ( formerly XXXX ) My loans are due the XXXX of each month. I generally send a paper check but on XX/XX/XXXX for that month, I had a phone transaction go through and hung up. TWO weeks later, MOHELA ( yes, them ) said that my phone payment didn't go through and that I was LATE. So I sent them a paper check # XXXX which they cashed on XX/XX/XXXX. XXXX payment : I sent in mail check on XX/XX/XXXX; they cashed that check on XX/XX/XXXX but are now STILL telling me they DIDNT GET IT. Even though they cashed it. I was asked to send bank documentation but THATS NOT MY JOB ( although I did request copy of canceled check from XXXX XXXX XXXX XXXX XXXX- which should not happen ). They keep saying I'm late to pay ( IM NEVER EVER LATE ON STUDent LOAN PAYMENTS! ) and as an XXXX person, Its really getting my down to the point that I want to hire a lawyer. GET THEM OFF ME! I can not imagine Mohela getting any worse with their egregious abuse of power and trust regarding student loans. Their incompetence and blame shifting has reached a new high.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I identified several errors related to this account that render its reporting inaccurate and misleading. These issues include : Account Information : Account Number : XXXX Balance : {$XXXX} Status : Closed 1. Future Dates Reported The Date Last Active and Last Reported are listed as June 4, 2024, which is a date in the future. This is factually incorrect and violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information in a consumer report be accurate and verifiable. 



2. Closed Status with an XXXX XXXX The account is marked as Closed, yet it shows an outstanding balance of {$XXXX}. If the account is closed, there should be no remaining balance unless explicitly clarified as a charge-off. The current reporting creates confusion and inconsistency. 
3. Missing and Incomplete Information The account is missing critical data necessary for verification, including : Date of Last Payment High Credit ( original credit amount ) Past Due Amount Incomplete reporting violates the FCRAs requirement for accuracy and completeness.

4. Ownership and Status Unclear The account is reported as Collection or Charge-Off, but it fails to specify whether the debt is owned by the original creditor or has been sold to a collection agency. This lack of transparency can result in duplicative reporting.

5. Disputed Status Not Resolved The account includes the comment Account Information Disputed by Consumer, but no resolution or update appears to have been made. Failure to investigate and resolve a prior dispute is a direct violation of the FCRA.

Request for Removal Due to the significant inaccuracies, unverifiable information, and incomplete reporting, I request that this account be removed from my credit report in accordance with the FCRA. If the furnisher of this information can not provide evidence of its accuracy and completeness, it must be deleted.
Product: Credit card or prepaid card

I am trying to visit their website to cancel my credit card. XXXX XXXX XXXX I am unable to find a way to cancel the card : When I call the company 's phone number there isn't an option to speak with someone. 

I do not want to keep the card open but I am unable to cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent letters to Equifax stating specific US Codes that they were in violation of along with my personal information ( Drivers License, Proof of Address, and Social Security Card ). I have repeatedly requested proof of validity and I did not receive anything back providing validation. This company has repeatedly violated my rights as a consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received an email from what looked like to be my mortgage officer about the closing of my house. The email had my officers email address, name, email format of the mortage company, my closing costs ( {$29000.00} ), and address of my house. I followed the instructions of this and made the payment cost for the closing of my house. 

On XX/XX/2022, my Mortage officer had called me and told me how I planned to send the money for my closing ( Keep in mind that the builder and mortage company did not tell me the exact closing date of my house yet, only the general time ). I was surprised because I thought I sent it, but apparently there has been a hacking and sending of fradulent emails within the company the past. The hackers had intercepted the emails of the closing ( included closing cost, address, etc ), and impersonated the people I was in contact with. They misled me into sending a fraudulent wire transfer through this, as almost everything seemed OK and only a few people had this information. This fradulent bank account was a wells fargo account. 

This has been going on since XX/XX/XXXX at XXXX XXXX, and they failed to inform me of this until XX/XX/XXXX, when I was too late to stop the wire obviously. 

I still filed this to XXXX ( my bank ), to recall the funds from wells fargo account ( fradulent bank account ). I also went to multiple Wells Fargo location, and managed to create a compliant to them to investigate this account, but they failed to freeze it and far as I know this account is still active. 

I believe that dozens ( maybe 100s ) of fake wells fargo accounts were opened up during this time period, and the closing/housing information of 100s of people who worked with XXXX XXXX were stolen by these hackers. My mortage officer and branch manager mentioned that several people, including myself, fell for this scam too. So many were affected.
Product: Mortgage

We received covid relief which lender applied XXXX to our mortgage on XX/XX/2021, they applied XXXX towards escrow and XXXX to principal. Their was no application for the balance of XXXX From the deferment of XX/XX/2021. 
They added additional XXXX on XX/XX/2021 to the deferred principal stating they applied it to XXXX payment. There was no application or payment applied. 
They shorted XXXX in applications from deferred principal
Product: Mortgage

I have had multiple issues with this company after being sent to them through a refinance. I had been paying XXXX since the refinance in XXXX of XXXX as was agreed to on as part of the refinance. They had apparently given the wrong escrow amount without informing me and so on XX/XX/XXXX, I was informed that my payment was being raised to XXXX due to a shortage. 

I am going through another refinance to lower the cost again as rates have gone down and have run into a new issue with the company. I started the refinance process in XXXX of 2024 and had all of the paper signed by the end of the month. I had frozen payments for XXXX so that the refinance company could handle the situation with the refinance. I was called on the XXXX of XXXX stating that my monthly payment was due but explained that the refinance process has started and may be taking some time to fully process. There were no issues until the XXXX of XXXX when I receive a call that a new amount, XXXX was due by the end of the day. I was informed this was because of a shortage due to a tax disbursement. I verified with multiple agents at " lakeview loan servicing - mr.cooper '' that this was the correct amount. I discussed with two online assistants about where the payment came from and if the two companies, " lakeview loan servicing - mr. XXXX '' and " village capital and investments '' had ever discussed this payment. When given information about contact to " village capital and investment, '' I was told that there was no communication between the two companies. They said that " village capital and investments '' should have been notified by them about making this disbursement payment, however in the next line, they say that they didn't have to notify them about it since the payoff had not been made. So they neglected to make them aware of this. There was absolutely no way any party would have had this knowledge except for them. 

They also said that I could have made the note to stop this disbursement instead since taxes were always due in XXXX, something that I was unaware of as I haven't been with the company for more than a year. 

I checked each tab to find the monetary amounts and not one of them shows this XXXX number so there was no way that I could have known. Now I have to make this payment when I don't have the money otherwise the settlement will not process. I will find a way to make the payment today, the XXXX of XXXX. This has been an absolutely horrible experience with this company. Their negligence in their duties has caused me additional payments when the refinance was made to reduce the financial burden I was already suffering from.
Product: Credit reporting or other personal consumer reports

section 605b is not being honored here at Experian. 
I mailed in information that my data was stolen and used in the XXXX data breach. I sent in a CFPB affidavit and the police reporting number attached. The fraudulent info is still on my report. It was to be removed within 4 days, blocked from my report according to the law but it is not removed. 
The info in question is listed here : bankruptcy I didnt have student loans Department of Education XXXX XXXX Ive never done any business with them. 
XXXX XXXX XXXX has me down for having several accounts, this isnt mines XXXX XXXX has me with an account of owing XXXX not mines XXXX XXXX has me with an account owing over {$5000.00}, not mines XXXX XXXX  bank XXXX XXXX has XXXX accounts, not mines. The only account I had was an auto loan, XXXX XXXX not mines, XXXX XXXX fraud, addresses not mines XXXX XXXX XXXX, XXXX, TX pob address isnt mines XXXX XXXX XXXX XXXX XXXX XXXX, Tx inquiries XXXX XXXXl XXXX XXXX XXXX XXXX XXXX and XXXX has honored my CFPB affidavit.