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

I recently pulled a copy of my XXXX XXXX, XXXX, and Experian credit report and noticed that I have been a victim of Identity theft. I am in disbelief and this is very XXXX breaking as I am in the process of becoming a homeowner. I tried removing these fraudulent accounts, inquiries, and addresses in the past but nothing changed. The credit bureaus are not abiding by the FCRA Laws 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was reported 30 days past due on my Chrysler Capital vehicle lease. I could not determine why and what the error may have been therefore I continued to pay what was asked to avoid any further damage to my credit. Today, on XX/XX/XXXX I received a check for {$470.00} that was a result of a " file review '' ( attached ). With said check being received it is apparent that there was some issue with my file. I will accept the refund but I will also like the 30 days late marks removed from all three of the credit bureaus and my file permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a USAA Bank Card holder for several years and I have always made my payments on time, however, there were times as a single mother with XXXX children that I was forced to make payments late. 


There are 4 late payments as follows ; XX/XX/XXXX - 30 days late XX/XX/XXXX - 30 days late XX/XX/XXXX - 30 days late XX/XX/XXXX - 30 days late Every time I knew I was unable to make payments on time I contacted USAA and told them I was going to be late on my payments, I was told for all the above dates that I would be placed in a payment deferment program for 90 days and that my credit would not be affected, I found this NOT to be true. 
Last year I viewed my credit report and discovered that the above payments were NOT deferred but rather reported as derogatory and have destroyed my credit. 
For over a year I have contacted USAA via phone and wrote letters trying to get these items removed from my credit report and, I was told on several occasions they would be removed and yet still they remain.
Product: Checking or savings account

I ordered food on the XXXX app but did not receive any food nor anything at all. Since my order was paid for on the app, the store manager XXXX told me they can not process refunds for purchases made on the app and directed me to dispute the transaction with my bank to obtain the refund. 

I disputed the transaction with my bank ( Simple ) and received a reply stating there is no appropriate resolution procedure and said sorry the merchant has been unhelpful. 

I didnt receive anything for the charge of {$5.00} and I have attempted a resolution with both XXXXs manager XXXX and Simple Bank with no success recovering funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charge off account on my reports with multiple inaccuracies. This account was previously deleted from my reports by Equifax back in XXXX of XXXX but has been recently inserted back onto my reports. Per the consumer laws, I am supposed to receive a letter in the mail with a five day notice of any accounts that will be reinserted onto my reports and I never received anything from them, Equifax nor XXXX XXXX. 

I have contacted XXXX XXXX directly along with each bureau requesting documents and how did they verify this account and have never received any sufficient proof or documents to me as requested. Not only have I not received any documents but each credit bureau is reporting very drastically different information. 

XXXX is reporting an open date of XX/XX/XXXX, a high credit if {$500.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

XXXX is reporting an open date of XX/XX/XXXX, a high credit of {$0.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

Equifax is reporting an open date o XX/XX/XXXX, a high credit of {$350.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

If all of the credit bureaus are getting their information from the same place, how is it that they are all reporting very different information. Given the facts of this matter the credit bureaus as well as XXXX XXXX is clearly in violation of the consumer laws and should delete this account from my reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report showing one auto loan information incorrect. This account already closed. But showing open status. I 3 times disputed Experian credit reporting company. They are didnt fix that information.
Product: Mortgage

We started a home mortgage with the XXXX  XXXX XXXX in XX/XX/XXXX. It was promptly sold to XXXX XXXX, who has since improperly serviced our loan.

The documentation at closing, according to Wells Fargo, showed that the previous bank stated the taxes due on an annual basis were {$4200.00}. We signed an agreement that said our mortgage amount would go up in the next year due to an increase in taxes. Our mortgage amount went up a few dollars, and so we thought " okay. '' Wells Fargo did not perform an assessment to determine the correct mortgage amount due until 358 days after it purchased the loan. It stated that this was acceptable and within its policies. When Wells Fargo performed the assessment, Wells Fargo used the previously paid tax amount to determine the tax amount due, instead of pulling the actual amount due from the taxing authority. As much as they say
we were on notice that our taxes could increase, Well Fargo, too, received this notice and never acted upon it to determine if any such increase was made with an appropriate tax authority.

Wells Fargo failed to check and follow up to see what our tax amount
was due with the XXXX  County  tax office until XX/XX/XXXX ( 18 months after it purchased our loan ), for which it determined there was a substantial shortage in the account and increased our mortgage amount by $ XXXX during substantial COVID financial stressors.

Wells Fargo looked into this and stated that this is precisely acceptable and within its policies. Specifically, Wells Fargo allows itself 365 days to assess a newly purchased account and it performed that assessment on day 357 out of 365 -- the midnight hour. When it made the assessment, Wells Fargo relied on another internal policy that allowed it to rely upon the previous tax amount paid instead of looking at the tax amount due to the taxing authority -- for which this information was publically available and free at this time.
It was Wells Fargo 's late analysis and policies supporting the use of bad data ( previous tax amount paid by the owner in XXXX ) that resulted in a {$10000.00} accounting error by Wells Fargo. However, it was the customer who ultimately paid the penalty for Wells Fargo 's accounting errors as Wells Fargo independently increased our mortgage amount due by a substantial amount to recoup the losses associated with itsaccounting error.

Originally, I wanted Wells Fargo to merely apologize for such a terrible customer service outcome as a result of their internal policies -- we did nothing to bring this upon ourselves. But, Wells Fargo continues to maintain that its actions and this outcome is entirely acceptable.

I'm hoping the CFPB has jurisdiction to address Well Fargo 's conduct and impress upon it how unacceptable these types of outcomes are.
Product: Debt collection

Midland Group and Associates LLC first attempted to call my wife, using a blocked number. They then called me, also blocked number, regarding a debt that I have no recollection of for a large sum of money. The debt is supposedly from XXXX, a company I currently hold a card with, from 2016 ( outside of Texas statute of limitations, regardless of the fact its not mine ) Caller had multiple pieces of personal information, including my address, which he emphasized several times. He threatened to sue multiple times and declined to provide written proof of the debt, as they had already sent it. I have received nothing from this company.

Call was terminated when called advised I was going to be served. 

I immediately called XXXX who advised they have no records of any debt owed to them or correspondence with this collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

i dont know where you keep getting XXXX XXXX XXXX XXXX. I live at XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX. I need my report to reflect this address. I haven't looked at this report since 2021. My address was XXXX XXXX XXXX, XXXX tx XXXX
Product: Credit reporting or other personal consumer reports

Ok I have capital one and check my credit. I have a alert that tells me my social security card is compromised on dark web when I click on it it gives me a name of someone with my last name with a phone number from Michigan?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX there was an account opened for XXXX that I did not open from XXXX pay line of credit. I have disputed and reporting it as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the fair Credit Reporting act 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 agency can not furnish a account without written instructions
Product: Mortgage

I ca n't keep my home due to medical expenses, death in my family and currently unemployment. We opted to short sale the home and hired a Realtor on XXXX XXXX, shortly after we got an offer on the home and it was submitted to flagstar as instructed with all the supporting documents NOW on XXXX XXXX I was told that someone would be contacting me for an appraisal on the home and that they had a complete short sale file. On XXXX XXXX a person by the name of XXXX XXXX showed up and performed the appraisal as scheduled. I called Flagstar several weeks straight after that to see if they had the report already and I was told multiple times by several representatives that the appraisal report was n't in yet BUT that it sometimes takes 30 days for them to get a report. On XXXX XXXX I called to check on the report and was told by XXXX that the appraisal company had been trying to get a hold of me to schedule the appraisal and that they had NOT been able to make contact. I explained to XXXX that the appraisal had already been done and that we were just waiting on the report I provided the name and phone number of the person who had performed it and XXXX XXXX confirmed the information on XX/XX/XXXX BUT they keep on insisting that the appraisal never happened. I have left their " supervisor '' several messages XXXX XXXX ext. XXXX BUT have NOT heard back from her as of today. On XXXX/XXXX/16 I called and was told by XXXX that the appraisal order had been canceled on XXXX XXXX because the appraisal company was n't able to get a hold of me. PLEASE HELP in getting to the bottom of this situation. I have attached the written communication that my Realtor has had with these people. Thank you
Product: Debt collection

Please delete these accounts in Transunion they do not belong to me and I have received discriminatory and threatening calls from the company XXXX XXXX XXXX XXXX. This is causing me family problems at work and is damaging my credit. When I call the company I receive discriminatory treatment and they do not allow me to speak or express myself.
Product: Checking or savings account

Kk have been banking with navy federal for years and continuing to get charged overdraft fees when I had money in my account. I read about the settlement and I have been victim of this scam. Why are they doing the community like this?
Product: Debt collection

On XX/XX/2018, after looking at my credit report I found out that Med Com AU is stating that I owe 2 collection items at XXXX. I never had an account with Med Com AU. There is no number, or addresses listed to contact them. I contacted the original creditor listed XXXX  and they told me that they no longer have the account. I asked them to validate the account and they told me that I wrote 2 checks for 2 separate amounts. They said that they would send them but never did. Based on the credit report they show that owe a total of {$80.00} for both checks. I'm still waiting for validation and I have disputed this with XXXX  credit bureaus 2 times already. Once on my own in XX/XX/XXXX, and another time with XXXX XXXX XXXX 's help at the end of XX/XX/XXXX. Each time XXXX   tell me that I have to wait 45 days and then they say its valid. I asked for proof of validation or investigation process and they will never give it to me. The account is also showing open and it previously showed a closed item. Now, it's showing open. I'm disputing the account again. 

As a result, this is hurting my credit score and preventing me from getting credit, or financing on my home and any other credit.
Product: Checking or savings account

On XX/XX/XXXX my CD was funded by an online transfer minutes later I located a problem in accessing account details, my spouse who was on the funding account also at American Express National Bank did not carry over to the CD. This omission by the American Express National Bank Representative on XX/XX/XXXX was after the American Express Online application failed to process my application where by the way I did add my spouse to the agreement ( received a letter by mail confirming my action was canceled ). On XX/XX/XXXX after speaking to several representatives to add my spouse to the CD account without satisfaction I asked to speak to a supervisor. XXXX XXXX no last name given ) said my issue had to be addressed by leadership I would hear back in 24 to 48 hours. Twelve hours later I received confirmation by e-mail of my CD including terms but missing any mention of account ownership. On XX/XX/XXXX I sent a fax detailing my issues I receive a call back 48 hours later that no decision had been made 'leadership was still considering my request. On XX/XX/XXXX I again faxed a written response demanding an answer by e-mail or resolving the problem without response. 

American Express considers the account new for the first 30 days ( Consumer Savings Deposit Agreement XXXX XXXX rev ) I am most certainly in my rights to request having my spouse added as a joint owner the same day the account is considered opened ( American Express Agreement ). I asked that the transfer be canceled and a new account opened, not an option. The only option provided by two different representatives to close the account with a penalty of 270 days interest on the same day ( within an hour ) it is opened/funded. For an online only bank my experience is not acceptable. Bank representatives said I could add my spouse as a beneficiary it would be the 'same thing ' as co/joint owner an incorrect statement provided by two separate representatives. 

I am shocked and concerned that we have been customers for almost a decade with several CD accounts over the years that this is taking this much effort to resolve. Beginning to think the worst of American Express National Bank this is our life savings, feels like we are being deceived for what should be a simple paperwork issue. Our hope this is not the case.
Product: Credit card or prepaid card

I open a secured credit card with Capital One and put up the money as directed. I later found out about an fraudulent account in my name and contacted Capital One. They sent proof they closed the account and didnt hold me liable. A week later they closed my account and once the balance was paid never forwarded my security deposit. I spoke with a rep and she was unable to explain why Capital Once wouldnt send me my security deposit back and they locked any access I had to go through statements to verify what the rep was saying. This all seems a bit shady.
Product: Mortgage

Our loan was sold to another mortgage company and the balance of our loan raised from XXXX to XXXX. When I called and asked for a pay off on this loan I was told that it would be XXXX. They also say that we are behind on the payments, yet we have been making a payment a month, plus 2 months we made double payments because they said we were behind. I have researched this company and they have a lot of complaints against them. When you call to talk to someone it is automated and if you do get through then you have to leave a message and they never return your calls. This is very up setting because our original loan was for XXXX in 2001 then it went to another company and then another company and now to this company and we still owe almost as much as we did when we first got the loan. Also the interest rate was supposed to be fixed and it has raised. We need help and so does a lot of other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INFORMED ME IN 2017 THAT I ALONG WITH 125 MILLION OTHER INDIVIDUALS IN THE UNITED STATES HAD THEY'RE PERSONAL CREDIT INFORMATION BREACHED AND THAT THEY WERE RESPONSIBLE. 

EQUIFAX ADVISED THAT I WOULD HAVE FREE MONTORING AND CREDIT REPORT FREEZING FOR SEVERAL YEARS. 

WHEN I HAVE COTACTED THEM SERVERAL TIMES OVER THE YEARS TO UNFREEZE MY CREDIT FOR CAR PURCHASE OR INSURANCE QUOTES IT HAS BEEN EXTREMELY DIFFICULTLY, TAKING OVER A HOUR EACH TIME IN DOING SO. 

-I HAVE A USER NAME AND PASWORD AND THE EQUIFAX WEBSITE DOES NOT RECKONIZE THE USE NAME AND PASSWORD EVEN WHEN I CHECK AND RE-CHECK AND SUBMIT PASSWORD SEVERAL TIMES. 
-AFTERT FAILURE TO LOG IN I CONTACT THEY'RE CUSTOMER SERVICE NUMBER AND THE AUTOMATED SYSTEM DOES A CONTINUES LOOP OF REPETATIVE QUESTIONS WHICH I ANSWER BUT THEN REBOOTS OR DISCONNECTS FORCING ME TO RETART AGAIN AND I CAN NOT AND THERE IS NO ACCESS TO OPERATOR TO ASSIST -AFTER SEACHING EQIUFAX WEBSITE FOR CONTACT NUMBER XXXX GET SERVICE REP WHO CAN NOT HELP RESESOLVE ISSUE AND I AM TRANSFERRED TO ANOTHER REPRESENTATIVE-THIS PROCESS, EVERYTIME I WANT TO UNFREEZE MY CREDIT REPORITNG TAKES APPROX. 2 HOURS- -WHEN I UNFREEZE XXXX AND XXXX THEYRE COMPUTER AUTOMATED SYSTEM WORK  FAWLESSLY AND THEY'RE REPRESENTATIVES ARE EASY TO CONTACT AND UNFREEZE AND REFREEZING OF MY CRIDIT INFORMATION TAKES 10 MINUTES AT MOST. 

I STRONGLY BELIEVE THAT EQUIFAX, WHO IS LIABLE FOR BREACHING CONSUMER INFROMATION-IS INTENTIONALY MAKING IT DIFFICULT IF NOT IMPOSSIBLE TO DEAL WITH THEM TO FREEZE AND UNFREEZE CREDIT -TO HAVE CONSUMERS WHO HAVE BEEN AFFECTED BY THIER SECURITY BREACH GET SO FRUSTRATED AND DISMAYED BY LACK OF ANY COMPETENT WEBSITE, LOOPING OF AUTOMATED WEBSITE SYSTEM ENDLESSLY, NOT PROVIDING ACCESS TO OPERATORS/REPRESENTATIVES-ANOTHER LOOPING OF TELEPHONE SYSTEM ENDLESSLY-AND FAILING TO PROVIDE EASE OF ACCESS TO PHONE NUMBER OF REPRESENATIVES WITHOUT A WEB SEARCH AND THEN TRANSFERRING TO OTHER REPRESENTATIVES ; THIS INTENT IS TO HAVE CONSUMERS DROP THIER SERVICE WITH THEM THUS REDUCING THIER LEGAL OBLIGATIONS- EQUIFAX HAS DONE THIS INTENTIONALLY NOT ONLY TO DISMAY & DISCOURAGE CONSUMERS AFFECTED BY THIER BREACH BY THE LACK OF PROFESSIONALISM, EASE OF USE AND FAST EFFICENT WEBSITE OR AUTOMATED PHONE SYSTEM BUT TO HAVE CONSUMERS DROP THIER FREE SERVICE THAT THEY ARE OBLIGATED TO DO BY LEAGAL AGREEMENT WITH GOVERNMENT SETTLEMENT DUE TO THIER BREACHING OF OVER 100 MILLION CONSUMERS. 

I REQUEST THAT EQUIFAX IS INVESTIGATED FULLY-WITH FOCUS ON THEY'RE COMPUTER USER WEBSITE-AUTOMATED PHONE SYSTEM AND LACK AND DIFFICULTY OBTAINING AN EQIFAX REPRESENTATIVE-THE PROCESS TAKES OVER AN HOUR EVERYTIME I TRY TO DO SO-
Product: Credit reporting or other personal consumer reports

In acordance 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. I told Transunion, to reinvestigate these accounts : XXXX  XXXX ACCOUNT OPEN DATE : XXXX. XXXX, XXXX ACCOUNT BALANCE : {$9200.00} XXXX XXXX ACCOUNT OPEN DATE : XXXX. XXXX, XXXX ACCOUNT BALANCE : {$0.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting or other personal consumer reports

There are unauthorized credit inquires on my credit report. I have attached the FTC complaint in regard to these inquires.
Product: Debt collection

COMPANIES REFUSE TO REMOVE INACCURATE INFORMATION ...
Product: Payday loan, title loan, personal loan, or advance loan

I submitted an email confirmation with information from the original creditor stating that they agreed to cancel contract due to not completing the project. I also submitted my cancelation of services to the original creditor. Also the original creditor was XXXX XXXX and they went bankrupted. 

Dividend tried to get me to consult with a new company they provided to complete the project and I declined. This project until this date has not been completed.