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

On approximately XX/XX/XXXX my identity was stolen and used to purchase a XXXX XXXX XXXX by XXXX XXXX XXXX and someone else from XXXX XXXX and Credit Acceptance. The account now shows up on my credit reports and is inaccurate. After {$1200.00} was taken from my XXXX XXXX XXXX Account I opened a investigation and after my bank investigation with XXXX XXXX they found that the money was fraudulently taken from my account by XXXX XXXX XXXX and a unknown person and the {$1200.00} was credited bank to my account. I have done showing that transaction as well as a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived overseas XXXX XXXX XXXX for 15 years. I am trying to access my credit report online, but none of the companies are capable of understanding XXXX  addresses. Annual Credit Report needs XXXX addresses. Hard to provide when I haven't set foot in the XXXX since 2018. Equifax needs zip codes - don't have them here. XXXX doesn't want to even deal with XXXX  XXXX addresses. XXXX  just sends you to AnnualCreditReport.com, so more of the same. 

If you try to tell me that I can just request my report by mail, please understand I am not interested in mailing personal financial information at a significant cost to myself, XXXX, the free annual credit report is not free.
Product: Debt collection

I have contacted the collection agency Diversified Consultants @ XXXX spoke with XXXX ID # XXXX and she explained to me that this account was no longer in their hands but with XXXX and to contact them. I told them that this account has been long paid for in full 5 years ago, less than 1 month when they reported it to my credit. I contacted XXXX and they are telling me that they do not have the account listed within them and that they can not do anything about the account. After I was on the phone with XXXX, then XXXX ID # XXXX for over 2 hours. I am disputing this account because they sent it to collection due to a past due bill of {$75.00} when we changed carriers and it was paid within that same month. XXXX is telling me to contact the collection company which I already have multiple times. I would like to get this account removed from my credit bureau as this is not a correct collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card I had with USAA Savings Bank was charged off in XX/XX/XXXX while I was serving as an XXXX XXXX in XXXX. USAA issued a " Cancellation of Debt '' XXXX to the IRS and myself on XXXX where I have already paid income taxes on the amount charged off. USAA however is still reporting to all the credit reporting agencies the same debt with an outstanding and Past Due balance for the same amount charged off in XXXX. I am in the final stages of getting a VA mortgage approval but USAA is unwilling to show the account with a XXXX Balance and noted they still intend to report the account as unpaid which is preventing me from a VA Loan approval. Several calls have been made to get this resolved but USAA is not willing to correct the information reporting to the credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information with Transunion, and XXXX  with regards to account XXXX   preferred, {$3100.00}. The phone number and address to the creditor are both non -working so theres no way to verify who signed up for this account. The information the creditor provided for the last several years are not working and thus all these months have not been able to get this resolved. It is very unfair that XXXX  and Transunion continued to report that account for so long. Ive asked that the account be deleted but they continue to report. They have not done due diligence in verifying since non of the information the creditor is reporting is accurate ( phone number and address ). How can Transunion and XXXX  say theyve investigated if the creditor information is non-working for all this time. Please delete the account from my file.
Product: Debt collection

Credence ( a collection agency ) contacted me about a debt owed on an account with XXXX XXXX XXXX XXXX XXXX XXXX over the phone a few months ago. Note that they verified my address but they verified the wrong address. I simply corrected them having no experience with debt before. They did not notify me of a letter I was suppose to receive or should have received to dispute or verify this debt. It may very well be true that they sent a letter to the wrong address they previously had on file. If that is the case, I am not at fault. I did go to the hospital so I thought the collection was just. The only bill I got was from XXXX XXXX XXXX for a total completely different from the debt collectors, with no notice that I would be hearing from another company regarding debt. I told Credence I will call them when I come to a resolution with XXXX XXXX. That was months prior to this writing. Today, XX/XX/2019 at XXXX I received an answered their phone call to collect debt. They got the address correct this time. They were demanding full pay or pay over 3 months. The manager pointed out my age and how this would not be a " good look '' for me, since I said I was unable to pay. Now that I know my rights, I feel that was a threat. He then proceeded to tell me to go get a profit loan, ask my mom, or use a credit card. In fear, I used a credit card and coughed up XXXX $ of which I do not have being a XXXX XXXX XXXX. All if this is just information. The main thing I am submitting a complaint for is never receiving a written notification of debt, ever! Even after I gave them my correct address, I never received a notice of any kind in the mail and was never informed of the ability to dispute. How am I supposed to know the collection is verifiable if I don't get a letter? Again, they may have sent the letters to the previous address they had on file, but if that is the case I should not be held accountable. I didn't even receive a call from XXXX XXXX before it was sent to get collections. During the call today at XXXX I was told I would receive an email regarding my account. I HAVE NOT RECEIVED AN EMAIL and its XXXX. Bottom line Ive never received a written ( or electronic ) billing or billing statement from Credence or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unlawful inquiries and delinquencies on my credit report. 

XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received several calls from a company named XXXX XXXX, on every phone number that is attached to my name, including my work phone. The last call that occurred XX/XX/year> at approximately XXXX the caller yelled, " yeah, I'm going to call you on every phone because you're in debt! or I can just garnish you and call human Resources. '' I have asked, pursuant to the Fair Debt Collections Practices Act, for this company to provide me in writing the alleged debt ; original debtor ; original amount owed; last payment made ; last payment date ; and any charges, as well as to cease and desist from calling me only contact me via mail. 

The number that I was called from is XXXX.
Product: Mortgage

Mortgage servicer has been paying multiple insurance companies erroneously this last year and has now recalculated my escrow balance incorrectly projecting large increase in my payments. They are not giving me any time to get this corrected, the mortgage statement I received immediately after the yearly escrow statement has this incorrectly applied. I am now jumping through hoops as fast as I can to get the refund from the incorrect charges and send that in. I am very disappointed after calling Servion servicing call center multiple times, that they will not give me any additional time to get the refunds to them before forcing this incorrect statement on me. I am very disappointed that their error of sending payments to multiple insurance is now all my problem, no help from them, and the ridiculous pressure they are putting on me to get it all resolved in such a short time line.
Product: Checking or savings account

On XX/XX/XXXX, at XXXXXXXX XXXX, I made a transfer of {$110.00} to a friend trough XXXX at Babk of America application. The money disappeared from my account and my friend never got money. When I click on the transaction it says it is pending review. When I click on this information it says bank of America placed a hold on this transaction and it is reviewing and I dont need to do anything now. Once they are done they will complete the transfer or get in touch with me. 
I called the bank and told them to cancel so I could get the money back they says they couldnt and I needed to wait. I asked XXXX XXXX they says they didnt know, I said well that I needed to pay my friend who bought tickets for XXXX XXXX XXXX XXXX. They kept saying the same recorded script. I want my money back or the transaction to be complete. Now. Bank of America can not HOLD your money.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' America First Credit Union, XXXX XXXX and XXXX XXXX XXXX XXXX are a financial institution by definition under that title. XXXX5 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' America First Credit Union, XXXX XXXX and XXXX XXXX XXXX XXXX, the financial institutions and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, America First Credit Union, XXXX XXXX and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' America First Credit Union, XXXX XXXX and XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX, XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Purpose of this complaint is to show the intentional act by Wells Fargo to damage and cause harm to my credit. 

XX/XX/XXXX on XXXX, and XXXX W.F. stop reporting my payments causing my credit score to drop. 

XX/XX/XXXX due to a family emergency i arranged to make monthly payment 30 days late this timeframe was for two months, W.F. reports XXXX, XXXX, XXXX and XXXX late, the issue is XXXX and XXXX are incorrect they reported 60 day late for XXXX and XXXX needs to be changed to 30 days late. I have my bank statements. 

XX/XX/XXXX to XX/XX/XXXX i struggled with W.F. to modify my mortgage, they refused payments and passed me to multiple agents. Then start the process over again and again. They placed my home in foreclose and this process allowed them to add additional fees coercion me under duress to accept the unlawful fees in order to keep my home. 

Currently my credit report reflects a very unlawful status and its out of my control. I am asking for your assistance in correction this matter.
Product: Checking or savings account

After reviewing my Early warnings report I noticed negative reports from several different banks that I'm not familiar with. I sent a dispute to EWS and I have not received any validation of debt, in response they sent a letter indicating that the account was accurate complete and verified. However, I have not received any documentation to verify and validate and or negitave accounts belong to me. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX According to the FCRA Rights to dispute inaccuracies Section 611 : consumer have the right to dispute any inaccurate or incomplete information on their consumer reports. Reporting agencies must investigate disputes, usually within 30 days. 
Notification of dispute results section 611 ( a ) ( 6 ) Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report. 


EWS violated my consumer rights according to the laws listed above by not providing written response detailing the results of the investigation, and proving documents used to validate the debt. Please find attached all disputes sent to EWS and their response and proof that XXXX and the other 2 banks listed. 

Also, XXXX is still reporting a debt to EWS that was sold to XXXX. XXXX has confirmed in writing that I no longer owe this debt as of XX/XX/XXXX due to legal reasons, and they have provided documentation stating that the debt is fully resolved and no longer outstanding. Under the Fair Credit Reporting Act ( FCRA ), information reported to consumer reporting agencies must be accurate, and since XXXX has confirmed the debt is no longer owed, XXXX continued reporting of this debt is inaccurate and misleading. I have attached the documentation from XXXX verifying the debt is cleared and respectfully request that you investigate this matter and have the erroneous reporting removed from EWS to reflect the current, accurate status of my account
Product: Mortgage

Hi, This account with Caliber home loans I have had for a while. In XX/XX/XXXX we placed the account on forbearance due to covid which lasted until XX/XX/XXXX. 

In XXXX I reached out to Caliber that I would like to get a loan modification which is offered to all covid forbearance clients. At that time the FRM weekly average rates were running between 3 to 3.5 %. 

Caliber first they said I do not qualify for Flex modification without giving any reasonable explanation. After bunch of phone calls and speaking to supervisors and sendinge-mail they finally agreed to process my request. However, Instead of processing my request in a timely manner which is a few weeks, it took them almost 6 months to process it. 

The issue is that by the time they proceed it rates were already over 5 %. This means that I will have to pay around extra 1.5-2 % ( or 9-12k ) because Caliber did not process my application in a reasonable time frame as required by law, and therfore putting an extre burden on me and family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  of 2017 during Hurricane Harvey we spoke with our mortgage company XXXX/XXXX XXXX and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy XXXX/XXXX XXXX it shouldn't be reporting late. I don't know what else to do can you please help me get this resolved?
Product: Credit reporting or other personal consumer reports

This is my twelfth attempt to address the faulty credit reporting affecting my credit records. Under Section 605B ( a ) of the Fair Credit Reporting Act, you are mandated to remove any items opened without my knowledge, consent, or authorization within four business days upon receiving : ( 1 ) proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) identification of the disputed information by me, and ( 4 ) a statement from me declaring that the information does not pertain to any transaction I have conducted. The following accounts are inaccurate and need to be removed : XXXX : XXXX XXXX Balance Owed : {$1900.00} ; XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7500.00} -- -- -- -- -- -Equifax : XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$1900.00} ; XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7500.00} -- -- -- -- -- XXXX : XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$1900.00} ; XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7500.00}. If you assert that these accounts are entirely accurate and verifiable, I request copies of any documentation bearing my signature, as I believe none exists. If no signed agreement with my signature is found, these accounts must be removed from my file. You have four business days to correct the inaccuracies in my credit file. I do not consent to the use of XXXX or any automated verification processes.
Product: Credit card

On XXXX XXXX, XXXX USAA, had debited my checking account for {$56.00} for payment to my closed Credit Card ( CC ) Acct, without myself scheduling the payment on their bill pay or my authorization. So they applied a credit card payment reversal to my chking account. iI later that day did schedule payment for my closed cc account. When I received my XXXX statement for my open cc account, I noticed USAA charged my open cc account {$56.00} and applied it as a payment to my closed cc account and my scheduled payment. So XXXX payments were applied to my closed cc account. On XXXX XXXX, XXXX, I called USAA and they said it was an error on their part. Because they made this error, I thought I 'd look over my closed account statement closely and I noticed that USAA had increased my interest rate on my closed credit card account from 7.15 % to 7.40 % back in XXXX XXXX WITHOUT NOTIFYING ME. This account has been closed over 5 years now and have been paying a fixed interest rate of 7.15 % when I closed this account. My earliest bank statement that i have indicating that i was paying this interest rate goes back to XXXX XXXX. I called USAA and they said there was nothing they could do. 
My complaint is, why is USAA increasing my interest rate on my closed credit card account when it has been closed for over 5 years now. Does n't opting out protect my outstanding balance at the lower interest rate at the time my account was closed? Does n't the Credit Card Act prevent banks from increasing interest rates on closed accounts arbitrarily? USAA had not been receptive with me when bringing this situation forward to them.
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 -- INQUIRIES -- XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I tried to make an XXXX pay transaction for the amount of {$50.00}. The transaction declined and I received a fraud alert text in which I verified that the transaction was me. I tried to use my debit card after and the card kept declining. I then called citibanks customer service line to inquire about why my card is declining because I verified that I was the one attempting the transactions. They told me in order for me to get my account verified they would have to call my phone number. They claimed to had called my number multiple times in which I didnt receive any of those calls. The next morning, still faced with the same issues I tried to call again. This time I was told that I was unable to be verified through the phone and that I needed to get a letter sent to my house with a reference code that should take 7 business days. I then noticed that my online banking access has been blocked. It is now XX/XX/year> and I still have no access to my account or funds. I tried to call today and they told me in order to access my account they would have to send another letter in the mail. It has now been 3 weeks without access to my money and it is so frustrating because now I cant even pay my bills and now I have to wait another 10 business days for this letter. This is such a disheartening situation and I wish it can be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I went to XXXX XXXX dealership in XXXX to lease a vehicle during that time my credit was ran XXXX times by the same bank I kept bringing it to that dealership. I called multiple times letting them know that I am refinancing my house and I needed a letter explanation why my credit ran multiple times by the same bank so they called the cops saying I am harassing them when the dealership messed up. I also tried to reach out to XXXX XXXX  multiple times so their lawyer reached out to me from XXXX XXXX XXXX in XXXX Florida the attorney told me that everything would be removed in 60 days if drop the court case. It is almost two years and my credit inquiries are still not removed like promised.