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

On XX/XX/2023 I received an email from the company XXXX XXXX XXXX. This email stated that my lease and history had been reported to Equifax and XXXX. On the XXXX my credit report updated, however the information on the credit report entered by the credit bureaus was not even close or similar to the information submitted to them. This is not the first time this has happened so I continued to file a dispute. After doing so my score was hit for XXXX and the previously reported account showed no activity and since has been turned into a negative item on both reports. I have since sent all documents to the bureaus proving my account statuses but they refuse to do anything other than deduct more points for my unwillingness to accept there calculations. I believe these calculations are in fact discrimination toward me individually as my research into the history of credit scoring shows a direct and abnormal calculation in comparison to historical similar scoring models within the same parameters as my account status. For example the company who reported my account reported a high credit of {$35000.00} the credit bureaus report {$0.00} The company reported open account, the bureaus reported closed account. The company reported XXXX years for XXXX account and XXXX years for the second. The bureaus reported 6 years at {$790.00} split and paid out over XXXX  years at {$10.00} per month. And on and on the report is so far from the actual facts that I have found myself at odds with my sanity as I literally can not finance a canned soft drink without a cosigner. Upon notifying the bureaus of this are and submitting the documentation from the reporting company to them directly I only receive more points subtracted from my score instead of incorrect reported items. I am to the point that I have no choice but to hire an attorney and seek damages for fraud, discrimination, and unfair reporting practices at biased without benefit of reconciliation. I will include the screen shot of the summary as well as a copy of the reported information from the reporting source
Product: Student loan

AES sent me a demand for recertification of my XXXX status in order to retain my SCRA benefits. I repled to AESthat they could confirm my active duty status at https : XXXX -- and that I was not required to recertify annually. AES retorted that they can not confirm XXXX status, so I called to fix the issue. The AES customer service representative ( XXXX XXXX ) erroneously informed me that I had to recertify, and that the issue was probably that there was no end date on my XXXX status -- I explained to her that as a commissioned officer I do n't have an end date on XXXX status. She finally transferred me to " XXXX '' who " handles the military phone calls, '' and he confirmed my status, and that he would raise my issue for review. 
This is n't the first time AES has demanded recertification of XXXX status, and I 'm frustrated with annual or semi-annual demands for recertification. DoD provides a web site to that end, and AES needs to use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report and saw that XXXX XXXX card with XXXX is reporting late. I never used the card as I was in jail since XX/XX/2020. I was just released last week. I am Reporting fraud. My wallet and belongings were stolen from my home while I was incarcerated. Account XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these inquiries are unauthorized.

The following inquiries must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been dealing with 2 loan officers and expressed to them my frustration and desire to get my loan appication completed. Also, have called the bank loan manager and have not yet been able to reach her.
Product: Mortgage

In XXXX of 2012 we filed for Chapter XXXX Bankruptcy case, after 4 years of this intensive process, our BK was successfully discharged. As a result, the Bankruptcy judge approved a Stipulation with new terms and conditions including a reduction on the balance on the mortgages we had with creditors at the time ( XXXX  ). 
We've been contacting this particular Servicing company over the phone and requesting to adjust and correct the total balance from this loan as it still reflects the original Pre-Bankruptcy balance in our account. 
We are now trying to refinance that specific loan, however Rushmore Loan Management Services the holder of the note explicitly declined to comply with the order from the judge in Bankruptcy court. 
We provided a formal request and the proper documentation to fix this error in their books with negative results from Rushmore. 
We are including all the documentation we presented to Rushmore, including : -Our formal request -Copy of the Stipulation approved by the BK judge -Final Decree showing our BK case was successfully discharged -Included you will also find Rushmore 's negative response to our request. 

Needless to say, this is preventing us from refinancing this loan and creating an enormous amount of stress in our family. 

We thank you in advance your help and support to our request for assistance. 

Respectfully XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX have an account on my Experian report which was disputed and with help from CFPB for improper use of my credit report was deleted from both my XXXX and XXXX reports but Experian refuses XXXX follow suit stating the information was verified as accurate when that simply is not true. How can XXXX XXXX  Experian validate something that was not able to be verified by the other XXXX reports and was removed by them? Furthermore my information was in fact exposed in the XXXX data breach and confirmed by them as such. I have filed with Experian more than XXXX dispute about this account and they had a reinvestigation.
Product: Checking or savings account

Chronological order of events : 1. In XXXX XXXX sold to XXXX group. I opted to not continue with XXXX bank and the account is closed and a check was issued XXXX XX/XX/XXXX ( {$200.00} ). A few days later I did an E-deposit at my bank Wells Fargo and within days funds are in my account. 
2. XX/XX/XXXX ( 9 months later ) the check is posted again at another financial institution ( See attached copy of deposit and look at the 2 different signatures ). Apparently, XXXX disputes this " double deposit '' with Wells Fargo. 
3. XX/XX/XXXX Wells Fargo informs me that {$200.00} has been removed from my account due to a " double deposit '' ( no record of a double deposit in my account, as this was verified through my history of deposits ). This is the XXXX # : XXXX. 
4. For next 7 weeks I dispute this with Wells Fargo, all the way to the office of the Administrator, and last person that said a " group '' had reviewed my case ( Escalation department - XXXX XXXX XXXX, XXXX ) and XXXX XXXX stated I had no other recourse with Wells Fargo, that the problem was with XXXX bank. Wells Fargo is not looking after my interest. Wells Fargo was the XXXX and should have resolved the problem to my favor. 
6. XX/XX/XXXX I contacted a different department at Wells Fargo, claiming fraud, either by Wells Fargo, intermediary or XXXX bank. New case # : XXXX. Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Fax : XXXX XXXX. I have contacted XXXX XXXX and they have opened a fraud investigation, but 5 months later, they too have not resolved. ( Case # XXXX. Contact : XXXX XXXX. 
8. XXXX XXXX, Wells Fargo determined there was no error on their part, even so 2 different signatures and deposits were made and they decided not to honor the first deposit ( my deposit done days after receiving the check ). Their investigation was textbook shallow without any intent of rectifying. Chronological evidence was presented but they still overlooked all the facts. 

I hope this gets resolved. I personally think someone either from Wells Fargo, the " private clearing house '' or XXXX bank " acquired '' my digital photo of the check and waited some time to " fraudulently '' redeposit at a later date. Or maybe just some glitch. Either way, I am minus {$200.00}. This was the only time I ever have made a digital e-deposit and I will never, ever do it again! 
Wells Fargo has acted very unprofessional and did not do a thorough investigation, swept the problem under the rug. It is obvious that Wells Fargo dropped the ball, did not pursue this and found the easy way out at the expense of the client. 

Here are 6 attached documents related to this problem. 

XXXX XXXX
Product: Checking or savings account

My account was closed due to fraudulent activity that I did not commit. I was not in possession of the card during the fraudulent transactions, including a fraudulent check, as indicated by XXXX XXXX XXXX. I have reached out to Bank of America to resolve this issue and requested that they review the security footage from the bank where the deposit was made.
Product: Debt collection

XXXX said I opened account on XXXX XXXX which was sent to collections for {$720.00} I have been with XXXX for 6 years. How can I have 2 collections on my account from XXXX both opened on XXXX XXXX. The other is {$880.00}. This is fraud not my debit. How can this come back verified.Not my address never stayed there. I know I didnt sign for for this. This needs to be investigated again cause there is no way I signed up for 2 accounts on the same day and I already had a cellular company. I have frozen my credit as a result of this.somethings not right here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Credit reporting, credit repair services, or other personal consumer reports

More files to upload as cfpb does not allow more then 10 MB, and total MB I have regarding is around 39 MB
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit report that i have never opened cor applied for credit with.

I contacted the companies ( chase, XXXX  XXXX & XXXX ) directly as well as XXXX  XXXX   amd XXXX. 

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.
Product: Credit card or prepaid card

We paid {$200.00} to the Discover Card Account on XX/XX/2018. Months ago, we were told by Discover customer service that in order for a payment to post immediately, we must pay through an authorized bill payment system. We did the payment through XXXX bill payment, and had decided to pay that way henceforth because Discover do not take payments from a debit card. That payment did not post until four days later. One week after making the payment, we were informed that the account was closed. We did not receive any type of notice. Two weeks later, we finally received the letter stating the account was closed due to payment issues. Its not our fault that Discover only takes checks. That is old and they need to change their payment acceptance policy to take debit card payments from the checking account. Times are changing, and they need to change with it. We did not receive anything in the terms and conditions that states they can close the account due to payment issues. We were late only once.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00}
Product: Debt collection

Hillcrest has reported inaccurate debt on my credit report. Despite being notified by the company XXXX to withdraw the debt, it has not been removed. The debt from Hill Crest is not mine, yet it continues to appear on my credit report, adversely affecting my credit score.

HillCrest has been notified by XXXX to withdraw the debt. However Hillcrest has taken no action to remove the incorrect debt they reported from my credit report. To date, no action has been taken, and the debt remains on my I am enclosing copies of all relevant documentation, including my previous correspondence with Hill Crest, proof Hillcrest was instructed to remove it name from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX ACCNT # XXXX 30 days late in XX/XX/XXXX, XXXX XXXX 60 dyas in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Reference to the entities below are in violation of the laws enclosed. 

Company and/or Business : XXXX. XXXX XXXX XXXX - Open - XX/XX/2022 XXXX Credit Collection Services XXXX open - XX/XX/2022 * XXXX u.s.c 1681 section602 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons; * 15 U.S.C 1681 Sec . 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; * 15 U.S.C 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy
Product: Credit reporting or other personal consumer reports

According to XXXX, this account should be removed promptly. I'm XXXX about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation. Please remove it as soon as possible.
Product: Mortgage

Freedom Mortgage has known for years that I divorced the other co-borrower, and I have sent them documentation that I am the sole owner of the property since the divorce in XXXX. I finally refinanced this month to remove my deceased ex-husband from the loan. Freedom Mortgage sent me a refund check for escrow that I paid, but they sent it in both my name and my ex-husband 's name. They refuse to issue the check in my name only, even though they have known for years that I am the sole owner of the property. By issuing a check that is impossible for anyone to cash, they are illegally holding money that is lawfully owed to me for escrow overages that I alone paid in the amount of {$1900.00}. I do not have a copy of my ex 's death certificate, as we divorced years prior to his death and the property was already deeded to me, and awarded to me in the divorce. On XX/XX/XXXX Freedom Mortgage told me even with the death certificate, they will not re-issue the check in my name only.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX - XX/XX/2021 XXXXXXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021, 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

On XX/XX/XXXX i contacted experian to inform them of the fraudulent items on my credit report im homeless because of those fraudlent items not being able to rent nor buy a home for me and my kids. 

Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian, I am writing to formally dispute the accuracy of certain information currently being reported on my credit report. I have identified multiple fraudulent accounts that were opened without my knowledge or authorization. In accordance with my rights under federal law, I am demanding the immediate removal of these accounts from my credit file. 

The accounts in question are as follows : 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  Pursuant to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide me with a copy of my complete credit report, including all information that pertains to these accounts. Additionally, under 12 CFR 1006.34 ( b ) ( 5 ), I am demanding verification and documentation for these accounts to confirm their legitimacy. 

If these fraudulent accounts are not removed from my credit report immediately, I will pursue legal action against Experian. I will seek {$1000.00} in damages for each fraudulent account that remains, as well as {$10000.00} for pain and suffering due to the severe impact these inaccuracies have had on my ability to rent or buy a home for myself and my children. 

This matter requires your urgent attention, and I expect a prompt response. Failure to comply will result in legal action without further notice. 

Sincerely, XXXX XXXX
Product: Mortgage

Purchased a lot with 2 houses on it in XX/XX/XXXX. The house that was built in XXXX had water running underneath it compromising the floor joist and creating XXXX XXXX. I tore it down on the XXXX of XXXX. The Mortgage company went into my escrow account and took XXXX for a home owners policy for a home that no longer exists. I have tried several times to get my money back they are refusing to comply. I have copies of front and back of the 2 checks I wrote on the 3rd for track how and dumpsters, I have documents from the county showing the reduction of tax. XXXX XXXX  shows one house. The other house is insured thru XXXX XXXX. They are really difficult, do not trust me in any way.
Product: Credit card or prepaid card

For the last two months when I pay Synchrony Bank which administers Care Credit, I have paid on the last day the bill is due. On this day when I pay online I am confronted with the fact that Synchrony which is located in Florida does not seem to understand that due to time zone differentials they are insisting that my payments are a day late when in fact it is still the due date where I am located and when I am paying ( from California ). 
They charge me ( {$29.00} ) late fees even though I have NOT been late as far as being within the period shown on the bill, but they are not honoring that and charging late fees as though I were living in their time zone. I have asked them TWICE to waive these fees and gotten no reply. I feel discriminated against for not living in their time zone. Please help me fix this and get back my illegally collected late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitting docs. 
Paid old navy/Barclay 's bank on XX/XX/XXXX XXXX On XX/XX/2023 they finally found my money order however not after turning my life upside down
Product: Money transfer, virtual currency, or money service

l am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress violations