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

This is my attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus with the CFPB. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report : XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$5600.00} ; XXXX XXXXXXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} ; XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$4800.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX  XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$5600.00} ; XXXX  XXXX Balance Owed : {$31000.00} ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4800.00} ; XXXX XXXXXXXX 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 card or prepaid card

XX/XX/XXXX, We chose the best center seats with full view of center stage and paid in full {$1500.00} online at XXXX for 4 tickets for XXXX at XXXX XXXX in DC XX/XX/XXXX, We printed the tickets from the sales confirmation email just minutes before the show, they are the worst seats in the XXXX XXXX, only XXXX of the center stage can be seen. They are not the full view of the center stage seats that are written in the email of the sales confirmation from XXXX. 

The total value of the tickets is {$510.00}. Copies of the value & seat number of each ticket are in the attached image files. The image file of the sales confirmation is also attached. 
The total markup is {$1000.00}, staggering 2 times more than the ticket value, its a crime to steal money this way. It looks like a online tickets scam. 

XX/XX/XXXX, I reported the dispute to Chase at XXXX, Chase refused to refund. 

Solution request : {$1000.00} to be refunded as soon as possible.
Product: Mortgage

I filed a complaint against my mortgage servicer, XXXX, related to issues with processing previous forbearance requests related to financial difficulties brought on by COVID 19. XXXX responded to my most recent complaint by correcting their systems to show my account in forbearance for the period XX/XX/XXXX- XX/XX/XXXX. Prior to XXXX correcting this issue and providing the full forbearance period, I made five full payments to my account. These payments were made only because of the failure by XXXX to respond to my additional forbearance requests. Now that the issue was corrected and my account was placed in forbearance for the period noted, I believe the payments made during the forbearance should either be credited consecutively to the months following my forbearance period i.e. XX/XX/XXXX- XX/XX/XXXX or my forbearance period should be extended through XX/XX/XXXX. If this correction is not made, I will not have received the full 18 month forbearance that I am afforded under the Cares Act and provided pursuant to the letter I received from XXXX on or around XX/XX/XXXX. 

In addition to this concern, my account still shows due for XX/XX/XXXX when I log in to my account on the website. Upon taking the requested actions, please also correct the way my account reflects on the website so I can see the true and accurate status of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute incorrect information for the last six months with the credit reporting agencies. I even submitted a report from the police department stating that someone had used my identity to open up accounts. Also, there are collection agencies that are not my medical doctors listed where I was not sent proof that I had a contract with these collection agencies. 

XXXX XXXXXXXX XXXX the amount {$440.00} XXXX XXXX the amount {$1900.00} XXXX XXXX {$230.00} {$76.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX {$730.00}
Product: Mortgage

In reference to initial complaint # XXXX and subsequent complaint # XXXX My payment used to be $ XXXX. My payment is now $ XXXX. This is due to an error made by Bank of Hope in XX/XX/XXXX when they overpaid my home insurance by {$1900.00}. The insurance company reimbursed me directly for the overpayment which I have since paid back to my mortgage company. 

They ran my Escrow Projection based on a {$4300.00} payment to my home insurance company in XXXX. My home insurance is only {$2300.00}. As it stands now, If I were to pay 12 full months of my escrow amount, I would OVERPAY my escrow by {$6000.00} for the year. 

The response to my last complaint said that I withdrew myself from COVID protection request which I did not. I filled out a Borrower Hardship Assistance Request Form on XX/XX/XXXX which specifically states in # 8 : The Servicer will use this information to evaluate my eligibility for a loss mitigation option ... At that time, I refused the program because the terms were unsatisfactory as is evidenced by my consistent payment of my mortgage. 

I entered into COVID Protection from XX/XX/XXXX through XX/XX/XXXX. I am due to make a payment beginning XX/XX/XXXX which I am prepared to do. I signed and returned the paperwork accepting the balloon payment at the end of my loan on XX/XX/XXXX. Nevertheless, I STILL have not received a current statement. In fact, I have continued to receive statements detailing the accruement of my charges and late fees from XXXX through XX/XX/XXXX. My last statement was received on XX/XX/XXXX and says I owe {$27000.00}. 

I attempted to log into my Bank of Hope account online to see if my records were updated there. I was locked out. I called customer service and the man was unable to locate my account using my account number and social security number. 

I thought- maybe I should look up XXXX online since they are now working with Bank of Hope XXXX I was able to register my account that way. The mistakes are still in my account. 

On XX/XX/XXXX, I received paperwork in the mail letting me know my request for COVID protection is incomplete! Hahahahaha!!! I'm losing my mind. My COVID protection was approved and is DONE ALREADY! 

WHAT IS MY MONTHLY PAYMENT? HOW WAS I TO KNOW MY ACCOUNT WAS MOVED TO A NEW WEBSITE? WHERE IS MY STATEMENT SO I CAN PAY FOR XXXX BEFORE XX/XX/XXXX SO I AM NOT CHARGED LATE FEES? WHAT KIND OF STRESS IS ACCEPTABLE TO CAUSE A PERSON? 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX at XXXX, and XXXX ID # XXXX XXXXXXXX These are all the people with whom I have spoken about my mortgage loan. 

I am so tired of having to deal with this. Frankly, the CFPB is failing me as you keep closing my complaint based on Bank of Hope saying they will call and fix it. " Someone will call her '' is not RESOLVED. It is NOT resolved. I want a revised Escrow statement and projection for XXXX. I want a corrected monthly payment amount. I want Bank of Hope to bear some responsibility for the time and stress this has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Someone tried to open a XXXX XXXX credit card and an XXXX credit card unsuccessfully. I have spoken to TransUnion many times and they will not remove the hard inquiries. So spoke to XXXX XXXX and they are saying they have sent for XXXX XXXX 3 letters to remove the inquiry. Reference # XXXX 
XXXX they stated they have sent 4 letters to remove. Ref # XXXX. 
Last letter for XXXX was sent XXXX and XXXX XX/XX/XXXX. 
TransUnion is stating they have not received any of these letters. I am beyond frustrated that TransUnion is unwilling to help remove these two hard inquiries. One was XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I opened XXXX XXXX loan account in XX/XX/XXXX. I went ahead and set up autopayment. Everything worked great before XX/XX/XXXX, when I decided to check my XXXX credit report and noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reported late payment to credit bureaus. I was shocked, as auto payment was still set up and there was more than enough money on my checking account for XXXX XXXX to charge me. I have never been notified by them about the missed payment and I had no chance to retry my payment. I called them, asked explanation, why they have not notified me about it and why their autopayment failed? It was not my mistake, as there was enough money on my checking and they succeeded to charge me before. Why they were not able to do it in XX/XX/XXXX. Also, I know that before reporting you late, they should give you a notice. I have not received email, mail or phone call. They gave me no reasonable explanation but declined to remove late payment from my account. 
I hope CFPB will help me. These credit companies do what they want and don't care about customers! Secured loan partial account numbers are XXXX opened XX/XX/XXXX.
Product: Checking or savings account

Below is a copy of an email sent to nearly 40 email addresses of executives, various departments, and authorities in the hopes to escalate resolution to the issue I am facing ; that is, a check from my employer being withheld/and or refusal to verify my employers account that is with XXXX XXXX XXXXXXXX XXXX XXXX For the record, I bank with Wells Fargo ; the check is from XXXX XXXX XXXX XXXX  Wells Fargo has assured me that XXXX refused payment/ would not verify my employers account and send funds made to me by their check, the morning after I deposited it. Below is a quote of the email I sent, and attached is the check itself, and my state DL as well as XXXX XXXXXXXX Badge. Hello, my name is XXXX XXXX and I am a new XXXX employee. I deposited a check via mobile deposit into my Wells Fargo account yesterday afternoon that was issued to me from my employer, XXXX XXXX XXXX XXXX XXXX by your bank. I tried to cash it at XXXX since I do not have a brick and mortar bank relationship status since moving back to KS. They tried to run it twice and said it was denied. So I turned to Wells Fargo- they credited me {$400.00}, and was to deposit the rest this morning. I woke up to an overdrawn bank account. Their position is that XXXX XXXX XXXXXXXX XXXX  wont release my travel reimbursement check to my account. I need to eat. This is unacceptable, and I will not wait 10 for you to release me my paycheck. What kind of Bank doesnt back the XXXX XXXX checks? Especially one paid to an employee. Im sure this is unlawful, its certainly unruly- and I will be contacting an attorney on this matter. I have spoken to everyone I can today at PO and they just look at me like, What happened? UPDATE : Is this really where we are at? Are you really the type of bank that refuses to verify or acknowledge a XXXX workers paycheck from the XXXX XXXX with ZERO explanation? This is unacceptable. I have a right to be paid for my labor. Verify my employer 's account and release the funds made to me- To my Wells Fargo account. Consider this a final notice before my legal counsel files a complaint. CC : Consumer Financial Protection Bureau, Federal Trade Commission, XXXX XXXX Kansas Attorney General
Product: Debt collection

I continue seeing a collection on my account that does not belong to me. I reached out to the company abusing my credit and they could not provide any valid proof that it belongs to me. It states that is a medical bill, but they already disclosed what it was supposed to be which is against all XXXX laws. This collection does not belong to me and needs to be removed from my account
Product: Checking or savings account

Again, Chase has looked my online account, denying me access to my money. This has happened several times, the last time being two weeks ago. 

The number that they post on their website is incorrect, and I had to be transferred twice. There are long wait times every time. 

Then, every time, the answer is that I have to go to the branch. That is very inconvenient.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XXXX Please remove these fraudulant inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX XXXX  XXXX XXXX  Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX, XXXX Account # : XXXX, Account name : XXXX  XXXX  XXXX Account # : XXXX, Account name : XXXX XXXX Account 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In the past couple of months, someone opened 7 accounts under my name using my identity.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX company was open XX/XX/2019 account has been paid off and its still on my report showing open it wasnt even supposed to be on my credit report because I closed the account the first week I got the insurance and the company told me i wasnt going to have a balance since I closed within the same week I opened I also wrote in writing to the company I wanted to close the account thats what they asked me to do at that time then I end up seeing it on my credit report of course I contacted the company and informed them I wasnt supposed to even have a balance and why did it report on my credit the debt collector didnt explain was just told the balance and I paid it in full and ask for it to be removed off my account they said two years but its still on there I dont even think it should have been reported I want it deleted I was in no fault
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I have attached the FTC identity theft report including all inaccurate information. Failing that, The item must be deleted from the report as soon as possible. As the Item is inaccurate and imcomplete. Please Delete This Misleading Information! Thank you.
Product: Checking or savings account

On Saturday XX/XX/XXXX I deposited a check for {$3500.00}. My funds became available on Monday XX/XX/XXXX, once the funds became available, and I made payments from the account using those funds. Later that day when checking my account, I noticed the check had been put on hold. On Wednesday XX/XX/XXXX I called Citizens Bank to inquire about this as the funds were still not available. I was told my funds would not be available until XX/XX/XXXX but would not disclose a reason nor did they issue me a delayed funds availability notice. I called back Thursday XX/XX/XXXX and was then told that as of Wednesday the XXXX there had only been a XXXX hold placed and when told that was not what I was advised of yesterday they argued and said just today an extended hold had been placed. They continue to refuse to give me a reason as to why this extended hold was placed. They will not accept documentation showing the funds had cleared from the account in which the check was drawn on and have violated Reg CC. They also misinformed me of how the check processing works and admitted the check has not been returned.
Product: Credit reporting or other personal consumer reports

Upstart issued a {$4000.00} line of credit to an ONLINE FRAUDULENT IDENTITY THEFT person who claimed to be myself. Loan apparently taken out/issued on XXXX On that date, I was already XXXX XXXX XXXX as XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX. I am currently XXXX XXXX & my mother has POA. Upstart REFUSED to discuss ANY details on this loan with her, even though she is LEGALLY bound POA while I am enlisted. Upstart demands a police report - which they have been told REPEATEDLY THAT THERE IS NOT A POLICE REPORT filed since loan was fraudulently obtained online. My employer & residential address were INCORRECT but loan was STILL GRANTED with my full name & social security/dob. My POA has been working with all 3 credit bureaus to get this investigated/disputed/removed from my credit report. The derogatory comments from Upstart have not only RUINED my credit, but now my XXXX XXXX XXXX is in jeopardy & my XXXX rank are all being affected. After documentation was sent to Upstart by my POA, proving this loan is FRAUDULENTLY in my name & social security #, SEVERAL different times, Upstart STILL REFUSES TO REMOVE loan from my credit. I was forwarded to this site by XXXX ( via my POA on phone conversation XXXX  ) representative, stating once this is filed & received in paper form by XXXX XXXX that THIS LOAN WOULD BE REMOVED FROM MY CREDIT. I had already filed a complaint with XXXX  & FTC in XXXX XXXX  & 4 dispute/investigations later, the Upstart loan is STILL ON MY REPORT. Please help me rectify this erroneous fraudulently obtained line of credit loan by removing this from my credit.
Product: Credit card

I cancelled my Pay Pal account months ago. Received email from Pay Pal on XX/XX/2023 from Pay Pal employee XXXX XXXX stating {$590.00} for XXXX had been charged to my account. Trade ID no. XXXX. I did not make this trade and even if I had it would not be paid with Pay Pal!!!! I was ask to XXXX XXXX. Called number immediately get a busy signal every time I call.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to mandate the removal of any erroneous accounts from my credit report. Could you verify the documents? Some accounts listed are reported inaccurately, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

Subject : Violation of the Fair Credit Reporting Act ( FCRA ) by Equifax Details of the Complaint : On XX/XX/XXXX, I sent Equifax a packet containing seven credit disputes. I have a certified mail receipt confirming that Equifax received the correspondence on XX/XX/XXXX, via USPS Tracking Number XXXX. After realizing that I had not included necessary identification documents ( a copy of my driver 's license, social security card, and proof of residency ), I promptly sent a new packet containing the same XXXX disputes, this time including the required documents. The second packet was sent on XX/XX/XXXX, and USPS Tracking Number XXXX confirms that Equifax received it on XX/XX/XXXX. 

Despite these actions, Equifax failed to initiate or complete an investigation into my disputes within the XXXX timeframe required by the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681i ( a ) ( 1 ). On XX/XX/XXXX, I called Equifax at XXXXXXXX XXXX XXXX and spoke with a representative, who informed me that there was no active investigation and that my disputes were not pending any type of review. 

Under the FCRA, Equifax is obligated to investigate consumer disputes in a timely manner. If Equifax can not verify the accuracy of the disputed information, it must delete the items from my credit report. Equifaxs failure to comply with this legal requirement has left inaccurate negative information on my credit profile, causing significant harm.

Impact of the Violation : Equifaxs negligence has resulted in negative and inaccurate information remaining on my credit report. This failure has directly impacted my ability to access credit and secure housing, as lenders and landlords rely heavily on accurate credit reporting to make decisions. The presence of this false information has caused undue stress, financial hardship, and a diminished quality of life, which could have been avoided had Equifax honored its obligations under the FCRA.
Product: Debt collection

I have sent couple letters to this company requesting debt validation and have received nothing but account is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED WERE NOT AUTHORIZED BY ME. THEY WERE INACCURATELY PLACED ON MY CREDIT AND I WOULDS LIKE THOSE TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF THOSE INACCURATE ACCOUNTS IT HAS BEEN REALLY HARD TO ACQUIRE NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THEM OFF MY REPORT.
Product: Student loan

I have been making monthly payments of {$1000.00} since XXXX XXXX {$120000.00} ), and had made smaller payments since XXXX. The original loan amount was {$67.00}, XXXX XXXX. To be clear, my loans have NEVER been delinquent or late. I should have had my loans forgiven last year as I have made over XXXX on time payments, and worked for two qualifying employers for now 22 years. However, the records from FEDLOAN Servicing incorrectly reflect that I do not qualify under the Public Service Loan Forgiveness Program. The two main errors the company is commiting are advising me that 1 ) " Your Payment Was Received Outside of Payment Period Window, and 2 ) " You Do Not Have A Bill Due For This Payment Period. '' I have NEVER been late with my payments, and in fact I prepaid the amount due for my loans so it is impossible for any of my payments to be outside the payment period window. Secondly, I have never had my loans under a forbearance or deferral so my payments should have been counted. Again I have made OVER XXXX qualifying payments and met all the criteria for qualifying under the Public Service Loan Forgiveness Program.