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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted dispute letters to all 3 credit reporting bureaus and I dont think that they looked into the claims properly. I sent letters to experian, XXXX, and transunion
Product: Payday loan, title loan, or personal loan

I received a loan check in the mail from 1st Heritage located in XXXX, LA .. XXXX XXXX XXXX..in the amount of {$1200.00} it hit their bank as XX/XX/XXXX ... I repaid {$1200.00} and {$20.00} and XXXX.. They are trying to charge interest in excess of of 26 days of interest .The loan really hasn't been originated since I paid off before 30 days .. I was told on the phone that the loan was due to be repaid on XX/XX/XXXX ...  so they are definitely loan sharking. I would like them to accept the two fees and the amount of the check back as payment in full ... {$1200.00}
Product: Checking or savings account

My account was being charge for overdraft fees on a constantly basis,
Product: Credit reporting or other personal consumer reports

I requested an investigation of balance on consumer report 15 usc 1681i ( a ) ( 2 ) tilte oder dispute with regard to the completeness an acurracy of any information provided by a person to a consumer reporting agency the person ( A ) conduct an investigation with respect to the disputed information 15 usc 1681 ( B ) ( C ) ( D ) ( E ) ( ii )
Product: Debt collection

I overlook my credit report and this item was on there, i dont think its fair to pay a bill thats not mine.
Product: Mortgage

I was called by Veritas Mortgage in XX/XX/XXXX to refinance my property and receive a cash out. I also had did some shopping around. The mortgage broker promised a lot of items that as today I now no that they were not true. He did not disclose about the points that they would charge. I did not discover until after the fact. During the process my disclosure changed three different times. Items I was told in the beginning I could not shop for and the company ended up using their own individuals associated with their company at a high price. My original interest rate was 3.1 %, originally, I was told my interest would be around 5 % only. My credit score was a XXXX. I was charged over {$15000.00} as origination fee {$14000.00} being represented as points but was not. with an administrative fee of almost XXXX Appraisal fee excessively high as well credit report {$130.00}. There was an error in my homeowner 's insurance the amount prepaid was the same amount as the year XXXX  This lets me know that no one was called, I called the VA mortgage section, and they said what was done was not right but illegal and VA was not told about that excessive number of points. I would have never agreed to this. I was exploited and large amount of money that should have come to me went to them Veritas Funding. I have been directed also to file a complaint with VA and shall do. My loan was immediately sold to a sub-prime mortgage company. I was sent a 1098 and the money that was indicated for points was not stated. They said when asked Veritas should also send me a 1098 but has not as of yet. Veritas is predatory lender as well as XXXX.
Product: Mortgage

On XX/XX/XXXX, my partner and I contacted AmeriHome to request an extension on our pandemic-related forbearance. According to the CARES Act law, it was within our rights to receive a forbearance for up to another 6 months. 
AmeriHome replied and asked that we contact them via Secure Messaging. So I had to resend the request immediately through secure messaging. 
On XXXX, we recieved a message saying that we had to call to review options. We tried calling, and were told to reapply online. When we reapplied online, we recieved a message to call. 
Over that next 3-4 weeks, I continued to email Amerihome asking if this meant that our extension was denied. Their response was that they " already responded to our inquiry ''. Their additional response said that we were now due for monthly mortgage payments as of XX/XX/XXXX and that the forbearance has ended.
Product: Checking or savings account

They said they contacted me multiple times about a fraudulent check being deposited. I never got a call or an alert on my account then my account gets closed and they are holding my funds for almost two months with no mail or information on what is left in my account. Ive been with them Since 2013 so why would I attempt fraud nevertheless Ive had this same account for years. Ive been having to change my card frequently because of fraudulent charges and access to my account
Product: Mortgage

My loan was transferred from Selene Finance to XXXX XXXX as of XX/XX/18. The servicing transfer letter from Selene was dated XX/XX/18, and the one from XXXX was dated XX/XX/18 ; however, I did not receive them until well into XXXX, very short notice. At the time I received the letter, I had paid half of my XX/XX/2018 payment to Selene ( {$1100.00} on XX/XX/18 ). Their letter said that amounts paid by XX/XX/18 should be sent to Selene. Since I made the second half of my XXXX payment on XX/XX/XXXX ( {$1100.00} ), I sent it to Selene. Selene seems to have applied this payment, as a screen shot from their website shows the next payment due date to be XX/XX/XXXX. Meanwhile, I had been receiving phone calls a few times per week from XXXX. Each time they asked about my XXXX payment and I explained that it had been made - dates, amounts, etc. 

I have so far made two payments to XXXX : XX/XX/18 {$2200.00}, and XX/XX/18 {$2200.00}. These payments appear to have been applied to my XXXX and XXXX payments instead of my XXXX and XXXX payments, as their website now shows my loan due for XX/XX/18. 

Because I began to become concerned that this missing payment would never be resolved by these two companies, I did call Selene and asked if the payment had been/could be forwarded to XXXX. I was told that Selene had sent a check via XXXX XXXX on XX/XX/18 for not just my loan, but many in the transfer. I could not get tracking information for this shipment, because I literally was hung up on by the unbelievably rude associate, after they informed me that I was no longer their customer. 

After a phone conversation with XXXX today, I have been told that Selene is either failing to respond or providing inadequate tracking information for payments that have been sent by Selene to XXXX since the servicing transfer. XXXX at XXXX said there are numerous emails to Selene asking for additional funds to make up for the missing payment. 

At this time, I am very concerned that this payment is still unapplied, and that negative credit reporting may happen because we are beyond the 60 day " grace '' period due to a transfer. I want to ensure that all payments get applied by XXXX effective on the dates that I made them, NOT as of the date they finally straighten this out. I have spent too much time trying to resolve this myself, and though I had no desire to file a complaint, I have no choice at this point.
Product: Debt collection

The collection put a debt on my credit report which does not belong to me. It is a medical bill which belong to a child. When I called the company regarding the debt they told me I had to find out the information for the child in question and give it to them or that they would continue to report it as my debt. I told them I did not know anything about the child in question. I only knew the child 's name because one of their nicer creditors told me. I called the hospital in question regarding the debt and they said, clearly the debt do not belong to me and they have no record of any debt for me. When I called the collection agency back and informed them what the hospital stated, they said I had to send them in writing a letter disputing the debt which I did. They intern, sent me back a response stating " due to the concerns outlined in the letter I sent, their office has reviewed the account. According to your dispute, the account in question does not belong to you. In order to complete our investigation and resolve this matter, we need your assistance. Please provide this office with a copy of your Driver 's license/Identification Card and Social Security Card so we can verify your identity. Am I suppose to send them these documents. They used my SSN when they placed this debt on my credit report. I have been a victom of identity fraud before and am not comfortable with sending my documents through the mail. Why ca n't they just remove the information if they know that it is not accurate. North Carolina Permit # XXXX The company is Syndicated Office Systems , Inc. dba Central Financial Control Inc XXXX XXXX XXXX XXXX. XXXX, CA. They listed this same debt three times on my credit reports under both company 's name Please advise on sending personal identification to collection agency for the purpose of removing debt that does not belong to me. Thanks for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on credit report that I don't recognize nor approved. 

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: Checking or savings account

Back in XXXX of XXXX I opened a checking and savings account with Wells Fargo and I ended up moving and I changed my address on the app and they ended up closing my account because of the address change. I was able to open up another account later at the end of the year of XXXX and I was with Wells Fargo until XXXX of XXXX. During the month of XXXX and XXXX of XXXX I was ordering packages from XXXX for back to school and most of my packages were stolen from my doorstep to my condo. During this time I reached out to XXXX and they told me it was to many packages reported stolen and XXXX was giving me a hard time getting my money back because of how many packages and the value. I reached out to Wells Fargo as them being my financial institution to step in and obtain my funds back for packages I did not receive. Wells Fargo submitted a claim on my behalf that were approved even after the account was closed. I received a check in the mail for the claims that were approved. However I have been trying to reestablish my bank history with them but I have been denied. I have gone into the branch and was instructed to call the frauds department and they told me that my banking with them has been terminated but I read the handbook and I didnt violate any of the rules so I dont know why my account was closed and why my banking relationship was ended my accounts were not negative when they closed them.
Product: Credit reporting or other personal consumer reports

I am a Victim of the data breach. My right to have accurate information on my report has been violated. This is identity theft according to Florida Statute Section 817.568 : I gave no authority to furnish private information, this is trespassing.

These credit reporting agencies and the creditors/inquiries listed in these reports deprived me of my basic right to privacy and are guilty of Conspiring to deprive me of my rights under 18 U.S. Code 242.

All furnishing of account information MUST BE DELETED within 4 business days from the receipt of this notice pursuant to 15 U.S Code 1681s-2 ( 6 ) ( B ).

I Request that they all block this information from my consumer report within the next 4 Business days pursuant to 15 U.S. Code 1681 c-2 - Block of information resulting from identity theft. 

Update account to Provide XXXX credit score and update all paid as agreed. No hard inquiries allowed ever. 

Not only have I been a Victim of identity theft, but XXXX XXXX AND TRANSUNION has aided and abetted each individual perpetrator listed on the credit report in this crime of identity theft pursuant to 18 U.S. Code 1028A - Aggravated identity theft by publishing this subsequent information without my consent and against my wishes, for their own personal gain. And are guilty of co-conspiring in a scheme to collect on extensions of credit through extortionate means pursuant to 18 U.S. Code 894 ( a ) ( 1-2 ). 


According to the FCRA CREDIT REPORTING AGENCIES HAVE A grave responsibility to uphold fairness and impartiality. They subsequently failed to uphold that responsibility and has deprived me of my right to privacy they are required to uphold under the Gramm-Leach-Bliley Act ( GLBA ) 15 U.S. Code 6801 and the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Jefferson 's capital system LLC debt owed is {$910.00} I've tried to reach out to company due to my personal information has a breach due to theft of my personal information. 
Also my personal information reported on my credit report is inaccurate
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

On XXXX2020 I refinanced my mortgage abd newrez still show the account open on my credit report csusingba lower credit score. 

In addition, I've asked for detailed accounting because thet couldn't get my closing amounts correct or accurate and I've yet to receive that.
Product: Debt collection

I was contacted by a XXXX XXXX XXXX XXXX, on XXXXstating that I owe a debt of {$11000.00} for a Military star Credit card. As I explained to the collection company, I have never applied for or owned a military star credit. then around XX/XX/XXXX, I got a letter showing interest accruing on this fraudulent military star credit card to the tune of {$11000.00}. I asked them ( XXXX collections and AAFES ), to look into this account for fraud. the collection company has yet to provide a copy of the signed application or any pertinent proof, that I applied or received a credit card from the AFFES ( Army Air Force Exchange Store. 
I have sent notices to the collection company and also to the AFFES, and none have taken corrective actions to correct this injustice of identity theft. 
XXXX collection has now taken unprecedented actions in XXXX and seized my XXXX tax returns on this fraudulent account. 
I have been reaching out to attornies and other governmental agencies for assistance in this fraudulent matter, stating to these entities I did not owe this bill nor was it my account, to no avail on several occasions I was informed that this case is not going away because was like owing the IRS part of the government. I am still in search of and seeking to correct this wrong and prosecute the Individuals or whomever that have wronged and stolen my identity and created this fictuticious account.
Product: Credit reporting or other personal consumer reports

Credit inquires that I did not authorized 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 XXXXXX/XX/XXXX
Product: Debt collection

I filed for XXXX  XXXX bankruptcy in XXXX, XXXX. I had a credit card account with Citibank at the time and the card was included in the bankruptcy. My plan of reorganization was approved in XXXX, XXXX and payments began in XXXX, XXXX. I made all required payments to Citibank per the plan. Once payments stopped, in XXXX of XXXX, Citibank began reporting missed payments and changed the status of the card to delinquent and in collections with the major credit bureaus. They now report that I have missed payments since XXXX, XXXX. They have also used a collection agency, XXXX XXXX, to attempt to collect this debt that was satisfied per the plan of reorganization. I have disputed this inaccurate information with XXXX XXXX, Citibank, XXXX, and XXXX providing bankruptcy documentation as evidence. Citibank also received all of the relevant bankruptcy documents while the case was open since they were a named creditor. Because of this, my credit score continues to suffer and I am unable to repair my credit as afforded by my bankruptcy petition that was filed almost 6 years ago. I was also denied an application for a student loan and a rental lease for an apartment with this account being specifically listed as the reason. I also have spent more than {$1500.00} on legal counsel to resolve this already.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the account XXXX XXXX XXXX # XXXX, that was deleted from my Equifax consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights and their inability to notify me of this item 's reappearance on my credit report. Such violations have caused my FICO score to drop significantly and has hindered my ability to attain credit products. I have attached screenshots of my drop in FICO scores along with a credit card denial letter from XXXX XXXX XXXX in which the main reason for denial was a serious delinquency, as such delinquency, which was caused by Equifax 's lack of due diligence. 

This account reappeared on my Equifax report on XX/XX/2021. I have not received any communication that Equifax has received any new documentation urging them to reinsert this account from the original creditor. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying it was reinserted, with no true proof that an investigation was conducted nor new documentation found justifying its reinsertion. Neither did I ever authorize this reinsertion which constitutes to the following FCRA violations : 1. FCRA 611 ( 5 ) ( B ) ( i ) 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and XXXX XXXX XXXX after XX/XX/2021, when the item was initially deleted and between XX/XX/2021 when the item reappeared. Equifax sent me a notice in the mail dated XXXX XXXX. Such notice stated that the account was verified on my credit report. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of this account. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA 617 if this item is not promptly deleted from my Equifax credit profile. I urge that you make Equifax aware of the amount of compensatory damages totaling {$3000.00} that I am owed as a result of their negligence and FCRA noncompliant behavior n regards to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] FCRA 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]
Product: Checking or savings account

Unemployment with the State of Ohio was filed on XX/XX/2021. 
I opted-in for the affiliated bank to XXXX to send debit card. 
I was told on a few occasions that the card would be send. 
I received a letter in the mail on XX/XX/2021, dated XX/XX/2021, that my request would be processed XXXX almost 2 months ). The letter have erroneous information, basic information of my address. At this point, my livelihood is threatened. I communicate with the State of Ohio, and in these historic times, their stance is I must deal directly with the bank. There are funds in the account, with others to be forwarded to the account. With the neglect and sheer incompetency of this bank, their actions are causing much harm to my very delicate financial stability. I am sure ... I am not alone is this process of banks and government creating winners and losers, at an American citizen 's expense.
Product: Debt collection

Hello this is regard to XXXX and there attempts to collect on a debt that has been paid. We discontinued service with XXXX in XX/XX/2016. They could n't get our billing correct so we parted ways. We have sent back all XXXX receivers and they continue to bill us for a unknown large amount that we do not owe. 
We paid the XXXX $ that we setup in XX/XX/2016. They never applied the payment and said they had a problem with there system. It is now in collections and we need it removed. I am attaching XXXX pdf files. XXXX shows that the payment came out of our bank account on our bank statement out of our business account. The XXXX shows a confirmation email from XXXX showing that we did have the payment scheduled and what I say is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are reporting incorrectly on XXXX  and on experian credit reports. I have disputed many times for them to delete this account off my credit report due to inaccurate information. They refuse to delete the account. According to the fcra incorrect information on a credit report should be removed.
Product: Payday loan, title loan, or personal loan

On Monday XX/XX/XXXX I called BlueTrust loans to " Revoke my ACH ''. I'm in the process of switching banks and alerted them about this. I received a verbal confirmation that ACH has indeed been revoked and my payment scheduled for XX/XX/XXXX would be put on hold. XX/XX/XXXX came and they still took the ACH even though I received confirmation on XX/XX/XXXX that this payment HAS been put on hold. Now, I overdrafted my bank account.