23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This company continues to practice unethical business practices include sending false documentation to defame my character. They use deceptive business practices of luring consumers in with a XXXX or low interest rate then slams them with 29.99 % interest making it completely difficult to pay payments and reduce principle on the account. When I paid down the balance, they lowered my available credit by {$700.00} making my credit score drop because of apparent high usage. This prohibited me from getting another credit card or personal loan with a lower interest rate to transfer this balance to in order to get out of debt sooner. This companys owners started out as XXXX XXXX in the XXXX and they are still keeping XXXX XXXX XXXX with their business practices. I paid my payment on time and they held the processing of this payment over so that they could steal more money from me in interest and then lied saying that I missed a payment. Late payments get reported to Credit Bureaus which hurts credit scores of consumer. This is predatory lending, keeping consumers in slavery to them. Since they did this to me, they probably have committed fraud on XXXX of their consumers. An investigation into this company should begin and force them to reduce interest rates and refund all fraudulent fees and pay for damaging consumers character and credit score. They play evil games with people! I have attached the false and fraudulent letter stating i missed a payment which is a lie. This company must be stopped from their illegal unethical and evil business practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

After consulting with my attorney XXXX XXXX of XXXX XXXX XXXX XXXX, I was advised to complain through this medium. I am a victim of identity theft. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to provide proof of account ownership. These accounts were opened by a family member who stole my identity. I had PERFECT credit up until when these accounts were illegally opened. 

Account Name Balance Owed Date Opened 1. XXXX/XXXX  {$490.00} XX/XX/XXXX 2.  XXXX XXXX {$1000.00} XX/XX/XXXX 3. XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 4.  XXXX XXXX XXXX {$790.00} XX/XX/XXXX 5. XXXX XXXX {$1100.00} XX/XX/XXXX 6. XXXX XXXX {$570.00} XX/XX/XXXX XXXX. XXXX XXXX   {$0.00} XX/XX/XXXX 8. XXXX XXXX {$20000.00} XX/XX/XXXX
Product: Checking or savings account

I Received a letter after having making a complaint with Chase Bank and your office. Complaint ID XXXX The letter stated that my money was available on XX/XX/2020 in which they lied I tried to buy my XXXX 's medication. I had no medication until I received my money on XX/XX/2020. I received a call from the gentleman at Executive Office. 

If you let them get away with this how many other people will go thru this. 

I want to go to court, with this bank I have all receipts of my complaint. 

Best Regards XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the credit bureaus ( XXXX, Equifax and XXXX ) to do a verification of everything on my credit report. They did so and stated that all information was accurate. I then did a thorough research myself and discovered quite a few improper inaccuracies on my credit report, even after the credit bureau 's completed their investigation. 

I have been disputing with XXXX, Equifax, and XXXX about the negative accounts on my report. Some are not mine, some are reporting wrong or without creditor information, and some are refreshing to try to stay on my report. There are also incorrect addresses listed that I have tried to get fixed, unsuccessfully. I mailed my first letter in XXXX letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my free disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. The following accounts are still reporting incorrectly on my report : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I even sent my letters certified because I needed to know if they were getting my letters in the first place. These are the most recent tracking numbers from XXXX ( Equifax : XXXX, XXXX : XXXX, XXXX : XXXX ). I also sent each credit bureaua police report and a copy of both my drivers licence and social securitycard, each with my signature. It has been months without receiving a response. This is unacceptable. This is my life that XXXX, Equifax, and XXXX are disregarding. Each credit bureau has also been involved in a data breach which I have also been impacted by. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX Bank, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # 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 company can not furnish an account my without my instructions or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a home and was notified of several accounts which are unfamiliar to me. I haven't checked my credit in a long time which is a mistake because someone has been using my identity to finance they're life! I am devastated by this news and need professional help getting this handled. All of the accounts listed in my report are fraudulent and were NOT authorized by me. Please help me get this corrected at your earliest convenience. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on My XXXX  and XXXX credit report as of XX/XX/2019 from Wells Fargo. Wells Fargo says they never made an inquiry and to call XXXX to take it off there is nothing Wells Fargo can do about it. XXXX says call Wells Fargo and only they can take it off. Each person is pointing the finger at the other company and no one will help me get it off the report. 

As far as XXXX goes someone fraudulently made a Credit Card application from Wells Fargo and the Hard Inquiry in on there from Wells Fargo. Wells Fargo says they only made the Hard inquiry to XXXX and not XXXX. Wells Fargo has found that the application for credit was fraud and the XXXX inquiry on my credit report should be removed but they told me to contact XXXX to do it. XXXX told me only Wells Fargo can has the inquiry removed. Again each company pointing the finger at the other. I want this resolve with both inquiries removed ASAP.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX and XXXX for their failure to accurately report credit information, which has resulted in significant harm to my financial standing. Despite multiple disputes and provided evidence, they continue to knowingly report incorrect information, violating the Fair Credit Reporting Act ( FCRA ) and causing me severe financial and emotional distress. Due to these repeated violations and the harm caused, I demand that XXXX be permanently blocked from reporting to my credit files. I am requesting that this complaint be escalated to all parties, Corporate offices, and Officers. 

Complaint Details : Double Reporting and Manipulation of Account Numbers by XXXX XXXX is double-reporting the same XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account numbers, repeatedly altering the account details to ensure continued damage to my credit file. 

In a recorded call, a Supervisor named XXXX from XXXX XXXX XXXX Department initially stated that XXXX was reporting the accounts accurately. However, she later contradicted herself by validating that XXXX was indeed double-reporting the same accounts with different account numbers. This direct contradiction demonstrates XXXX deliberate attempt to manipulate reporting practices while falsely claiming compliance. 

Equifaxs Complicity in Reporting Inaccurate Information Despite acknowledging the inaccuracies, XXXX continues to report the erroneous data due to its business relationship with XXXX. 

In a recorded call with XXXX from XXXX XXXX Department, he admitted that the information was inaccurate but claimed there was nothing he could do because XXXX kept verifying the disputed information. 

XXXX  referred me to the XXXX XXXX Department, where I spoke with a representative named XXXX. XXXX stated that XXXX could not remove the inaccurate reporting because XXXX is XXXX 's business partner, and their agreement allows XXXX to dictate the reporting. I am including TransUnion and XXXX in this complaint so that they understand that a generic response from a dispute process from the data providers is not always accurate. 

Violations of the Fair Credit Reporting Act ( FCRA ) by XXXX and XXXX Violation of 15 U.S.C. 1681s-2 ( a ) : XXXX is knowingly furnishing inaccurate information to credit reporting agencies. 

Violation of 15 U.S.C. 1681s-2 ( b ) : XXXX has XXXX to conduct a proper reinvestigation despite clear evidence of inaccuracies. 

Violation of 15 U.S.C. 1681e ( b ) : XXXX has failed to maintain the maximum possible accuracy in my credit report. 

Violation of 15 U.S.C. 1681i : XXXX has not properly investigated my disputes, as required by law.
Product: Mortgage

Bank of America home loans has reported my short sale as a foreclosure. This is severely affecting my credit. I am unable to refinance my house.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested a certified receipt with my signature on it. The correspondence reads as follows : To whom it may concern : I do not recognize you or your company. Nor have I ever done business with you. I am totally unaware of this debt for ( XXXX ) dollars. That you reported to the credit bureaus. I never had an opportunity to address, this information you reported. If in fact you believe that your company gave me proper notification. I would really appreciate it. If you would kindly furnish me with, a certified receipt with my signature on it. Proving that you tried to make contact before placing negative collections on my credit profile. Thank you for taking the time to address this correspondence.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding my Experian Report Number XXXX. There are two separate accounts that are being reported by both the original creditor and the collection agency so I am being penalized twice. XXXX  XXXX XXXX Account XXXX, is for XXXX XXXX XXXX  Account Number XXXX, and XXXX   XXXX XXXX Account XXXX is for XXXX  Account Number XXXX. The did NOT investigate as to whether these are duplicate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland finicial funding keeping reporting on my credit the wrong info thos case was closed and needs to be river from my credit report
Product: Mortgage

I have has a mortgage since XXXX on the property located at XXXX XXXX XXXX XXXX, Wi XXXX. However, in XXXX this mortgage was sold to Citizen One. I always received my escrow check in XXXX so I could pay my taxes in XXXX. This year I did not receive a check. I called In XXXX and they said they would issue me a check. It w XX/XX/XXXX and no check. With that said I received a check today from Citizen One that was cut on XXXX XXXX. Yes 53 days. So I called to see if this check had been cancelled and when the new check was issued. I was told that the new check was issued on XX/XX/XXXX and this check has been cancelled. I have now been on the phone with Citizen One for one hour and they are not sure if they can get me my money in my escrow account. I have about 50 % equity in this home and only did the escrow account as a convenience. This is no longer convenient and they are not releasing my funds or taking this situation seriously. The taxes are due by XX/XX/XXXX and it is the XXXX of XXXX. 

XXXX at Citizen One on XX/XX/XXXX mentioned it was a communication issue between departments.She said she was going to place me on hold and then expedite me a check after she emailed an internal department. However when she placed me on hold she disconnected me. And in the beginning I verified my phone number. No call back apologizing that she accidentally hung up. 

I want me money for my Property Taxes Citizen One.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I received a consumer report from XXXX ( XXXX XXXX XXXX ) after funds being placed on hold being denied the ability to open a checking and savings account at a financial institution. On the report, Wells Fargo erroneously reported 9 different accounts. Some accounts were opened and closed within less than a week to 30 days while others were open for at least a year. In addition to that, Wells Fargo left a notation stating that the accounts, as they seen it, were deemed as fraud due to fraudulent actions in my behalf. I immediately contacted Wells Fargo by calling the customer service number to get n explanation and gain clarity at to how theses accounts were open that I did not authorize. After being on the phone for over 3 hours and going thru the verification process Wells Fargo Executive and Claim team  advised me that the accounts were in fact not mine and they would contact XXXX to have any and all accounts and comments removed from XXXX. In addition to that I have several case numbers and claim numbers to prove what I am saying as factual. Unfortunately, I don't have 3 to 5 business days as my funds are being held. So this is why I am filing a complaint in addition to having this on file and record of all actions I have taken to resolve this matter. 
ID THEFT Case # XXXX ( Fraud Claim in Executive Fraud Dept ) and Case # XXXX ( Claim Mgmt )
Product: Checking or savings account

Request for Resolution - Case Reference XXXX  Several months ago, I submitted a complaint regarding Citibank holding funds from my account and subsequently closing it ( Case Reference : XXXX ). 

Citibank responded by advising me to contact the third party that deposited wages into my account, my sisters employer called XXXX XXXX, to request a hold harmless agreement. I have attached Citibanks response for your reference. 

In my initial request, I proposed that Citibank return the funds to the employer if they saw any concerns regarding the wages deposited into my account. My sister followed up with her company, XXXX XXXX, explained the situation, and requested the hold harmless agreement. Unfortunately, XXXX XXXXXXXX XXXX XXXX to process its payroll, and XXXX has indicated they can not issue such a document. 

The employers management and payroll department, however, expressed a willingness to provide confirmation directly to Citibank or even call Citibank, as needed, to resolve the issue. See attached correspondence. They have also stated that Citibank could simply return the funds to them if there are unresolved concerns. I have attached copies of email and instant message exchanges between my sister and the employer for your review. The employers contact info are on the documents if Citibank wants to call to verify. 

Given the circumstances, I am requesting Citibank to provide an alternative solution that does not rely on obtaining a hold harmless agreement. This requirement has proven to be overly burdensome, and XXXX, the payroll processor, does not see it as a viable path forward. 

It has been over a year since this issue began. If there were legitimate concerns about fraudulent activity, some evidence should have surfaced by now. This prolonged withholding appears to be an unnecessary precaution. I kindly ask Citibank to reconsider its stance and review the attached documentation for a resolution. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT DISPUTE LETTER XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( Confirmation # XXXX ) XXXX XXXX XXXX, XXXX, GA XXXX Experian, XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX ( File # XXXX ) XXXX XXXX XXXX, XXXX, PA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX XX/XX/XXXX Re : Disputing wrongful credit reporting on my credit report Reporting debt as closed when it was paid it in full. 


Dear XXXX, Experian, XXXX. 

I am writing to request the investigation and correction of XXXX XXXX XXXX XXXX. 

Account Number : XXXX Vehicle : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This account was paid in full as of XXXX/XXXX/XXXX The following account is reported as Closed on my credit bureau report XXXX 

This has negatively impacted and affected my credit score which you dropped XXXX point from my credit score, because of your reporting. 



I am writing you to dispute this error of reporting my account with XXXX XXXX XXXX XXXX. 

This account should reflect Paid in full ( Not Closed ) Please reverse the negative XXXX points, and add XXXX points back to my score this account was paid off early NOT CLOSED. 

I have enclosed additional documentation to support my claim, Please note, I am a valued customer of XXXX XXXX XXXX XXXX. 

Review enclosed letter from XXXX XXXX XXXX XXXX stating that my account was PAID IN FULL XX/XX/XXXX. 


Please let me know how long this will take you to reverse this error. 
I thank you for your assistance and look forward to hearing back from you. 

Sincerely, XXXX XXXX CC XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2021 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Checking or savings account

Please update XXXX XXXX faster, had tbis problem before because i need there help getting money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I recently received a copy of my credit report, and there has been unauthorized use of my credit report. The credit report agencies are reporting information that is inaccurate on my credit report, as a result of this I find myself paying higher interest rates. Please look into resolving this matter for me, because it has caused lots of stress, and paying higher in interest rates. 

Thank you for your assistance.
Product: Mortgage

I have a mortgage for a investment property I originated in XXXX with Chase Home Mortgage and I was a prime borrower and received a subprime high interest rate of XXXX percent. I have knowledge at that time I was mistreated during the origination process. 

In XXXX, I had a escrow account and my loan was transferred with a negative escrow per Chase Home Mortgage to my new Servicing Company and I did not elect to not have escrows which was part of my modification agreement. 

Now that my taxes have not been paid according to RESPA guidelines to assist borrowers. A tax buyer has purchase my XXXX taxes in the amount of {$10000.00} and will be purchasing the XXXX taxes and If those taxes are not paid I will loose my property. 

I can not afford to pay these taxes to save my property. This is why when I did a modification to help me to get back on track. My taxes were included and I did have escrows. 

I have been in contact with Chase Mr. XXXX and no resolution to my matter and it is not my new Servicing Issue because they were only notified of the negative escrow not I had a escrow account and I have been struggling to pay this mortgage for now for 18 years and I am owed from Chase per the court records. 

I was a prime borrower and received subprime interest rates and that leads me to be treated unfairly and I am owed that money back for the discrimination.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX  and Transunion regarding XXXX XXXX Credit Card on both credit reports it is showing late payments for the months of XX/XX/XXXX and XX/XX/XXXX.

I was not late on those months.