23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed a charge on my credit card from XXXX for the amount of {$110.00} charged on XX/XX/XXXX. I have never been or made any purchases from this website. I immediately filed a disputed transaction claim online and Wells Fargo confirmed they were investigating the claim. I received multiple emails from Wells Fargo in the next XXXX confirming they were still investigating the claim. 

On XX/XX/XXXX, I logged into my account and saw over XXXX charges from XXXX over the past 30 days. There were multiple charges that occurred on the same day. This was clearly a case of credit card fraud. I called Wells Fargo and immediately cancelled my credit card and had all the additional charges added to my disputed transaction claim. Over the next several weeks XXXX reversed over XXXX charges. I assumed Wells Fargo was working with them to reverse the fraudulent charges. 

On XX/XX/XXXX I received a letter from Wells Fargo stating they had completed their inquiry and determined I was responsible for 25 transactions from XXXX totaling {$450.00}. The letter states, " The merchant verified your personal information, which may include name, address, phone number, email, account number or card expiration date. Based on this information, we've determined the transactions to be valid '. I do not understand how this qualifies as evidence that I made the purchases. Most credit card companies would have flagged multiple purchases as fraud immediately. 

I contacted Wells Fargo numerous times over the next several months asking for evidence that I made the purchases, specifically email confirmations, tracking numbers or proof of delivery. The associates I spoke to on the phone were very sympathetic and requested a review of my case. However each time, I would receive a follow up letter from Wells Fargo denying my claim and continuing to insist I am responsible for the {$450.00}. They never provided any additional evidence that I authorized the charges or received any merchandise from the vendor. 

I would like to note that I have been a cardholder for over 10 years and have had an excellent relationship with Wells Fargo prior to this dispute. I am attaching the initial dispute claim showing the over XXXX charges from Wish.com as well as the correspondences I have received from Wells Fargo XXXX none of which provide any evidence of why I am responsible for the fraudulent charges.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX  - Account # : XXXX Company Name : XXXX XXXX XXXX XXXX Account # : XXXX Company Name : XXXX XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX XXXX  - Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX money has been trying to take out from XXXX XXXX and i never made an account with them now its in collecting and thats incorrect since i never made an account with them. My dad had me under his account as a membership for XXXX XXXX on XXXX this really needs to be fixed it shouldnt be charging or trying to charge me if they dont even have my credit card number
Product: Vehicle loan or lease

i recently reviewed a copy of my credit report and noticed an unusual account.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment 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
Product: Mortgage

We closed escrow on XXXX and the Loan with Lakeview XXXX was paid in full. I contacted them on XXXX ( I was able to get through ) regarding the payment they drafted on XXXX ( which was now and overpayment ). They assured me I'd get my payoff notice, reconveyence and my overpayment within 2 wks. We got the reconveyence but no . When trying to call they do not have a LIVE person options stating busier than ever and you immediately get routed to their Automated System which only tells me my loan is paid in FULL! My issue is 1. They do NOT have any option currently to get through to a LIVE person and 2. It's well over 2 wks and still NO . If only they would answer the phone we might could resolve this because then they could tell me that my ck was in the mail, etc. Their letter says refunds/overpayments sent 10 business days after close. The letter indicates XXXX today is XXXX and NO $
Product: Debt collection

This account does not belong to me if you have a signed contract you must show it, the FDCPA Law 15 USC 1692 Sec 809 indicates that it is illegal to report without foundation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times to have consumer statements removed from my Equifax file. 

After each call, I received an email from Equifax with a confirmation number stating that my dispute to have the consumer statement removed has been completed, yet they still remain on my credit file. I have six such emails, all with different confirmation numbers, from each of my calls. The following dates are from the emails stating that the dispute is complete and that the statement has been removed. These confirmation numbers and dates are as follows : confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation number XXXX dated XX/XX/XXXX and confirmation number XXXX dated XX/XX/XXXX. 

I have talked to several representatives from Equifax that stated that my file would be updated within 24 hours and the consumer statement would no longer be on my file. I get an updated credit report from Equifax through a paid subscription, and the statement still remains. 
I continue to call them daily and speak with them, only to be assured that the statement will be removed this time, yet it never is. Every person has the right to remove a consumer statement from their credit file. Please help me address this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX - partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 8-11 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

On XX/XX/ an unauthorized transaction of {$43.00} charged to my PNC checking account. I filed a dispute with PNC 's dispute department on XX/XX/ once discovered and was told it would tae about 90 days to research. A written communication from PNC 's dispute department stating the dispute had been resolved and that my funds will not be returned to my account because they found no error. I was mortified and refiled the dispute on XX/XX/XXXX XXXX The dispute was denied XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/ XXXX XXXX To date they have not received the unauthorized transaction. In a phone conversation with XXXX, PNC dispute department, on XX/XX/ I learned PNC only returns unauthorized funds when they recovery their funds. This is unconscionable. This bank, as all banks, is covered with protection for loss by FDIC. I am not. Dispute denials furnished upon request. 

I must have my {$43.00} returned to my account and feel PNC has no loyalty to me as a depositor and I am not happy. I DID NOT MAKE THIS TRANSACTION NOR DID I AUTHORIZE IT. ONLY YOU CAN ASSIST BASED ON RECOMMENDATION FROM OFFICE OF THE COMPTROLLER OF THE CURRENCY.
Product: Credit reporting or other personal consumer reports

Experian is in violation of my consumer report, and has been previously notified that I am a victim of. identity theft
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, CAPITAL ONE FINANCIAL CORP., has violated my rights, under 15USC 1681, Section 602, which states that I have the right to privacy. Also, under 15 USC 1681, Section 604a, Section II, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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: Debt collection

American First Finance XX/XX/2022 XXXX : {$1900.00} I looked at my credit report and noticed companies that I did not do business with or authorize any debt under my name. I also did not authorize any transmittal of my information to these companies. I do not know these companies these are fraudulent accounts. 


Sincerely, To Whom It May Concern
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost 2 years, I have tried to get XXXX to update that status of an account that is OPEN but is reporting as CLOSED. I have disputed the item in effort to get it updated to correct information only for them to tell me that it has been verified by my loan company Ally Financial. I have up to date payments and documentation to verify that the account IS OPEN and ACTIVE yet even though I have contacted Ally and they are fully aware of the error in their reporting, they have yet to correct it on my XXXX credit profile.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end XXXX consumer credit plan as late for and purpose.
Product: Mortgage

Finance of America Mortgage LLC started servicing my conforming mortgage in XX/XX/XXXX, including escrow of tax and insurance. In summer XXXX my insurance was due and they contacted me to update my insurance information with them. I did, but they never made the premium payment. I contacted them to ask them to pay and they assured me it would be taken care of but it never was. On XX/XX/XXXX I made a {$2100.00} payment directly to the insurance company, at that point it was past due and coverage was 2 days from lapsing which would have left me exposed to significant risk. From fall XXXX to spring XXXX I have been trying to get Finance of America to perform return the excess funds in my escrow account that should have been paid to my insurer. I have made multiple requests by both phone and digital messaging feature on their website but they have still not taken action. In fact, they have NEVER done an escrow analysis since they started servicing in XX/XX/XXXX. I've attached a printout from their website showing last escrow analysis was XX/XX/XXXX, a copy of my most recent written request for reimbursement, and my latest mortgage statement. I'd like to be reimbursed the ~ {$2100.00} in excess escrow balance that should have been used to pay my insurance premium in XX/XX/XXXX. Better yet, I'd like to cancel my escrow on this mortgage so I never have to deal with them again.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have some accounts on my credit report that have been on my report more than 7 years. some of these accounts are more than 10 years. When I dispute these accounts more negative information is added and account remains. By law these accounts should have been deleted. 

XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 70 % Balance {$1000.00} Balance Updated XX/XX/XXXX Credit Limit {$1500.00} Monthly Payment - Past Due Amount {$1000.00} XXXX XXXXXXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 254 % Balance {$7600.00} Balance Updated XX/XX/XXXX Credit Limit {$3000.00} Monthly Payment - Past Due Amount {$7600.00} XXXX XXXX XXXX XXXX XXXX Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Installment Negative
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and a mortgage was fraudulent taken out in my name when I was XXXX XXXX XXXX. In XXXX my grandmother was battle stage XXXX XXXX XXXX, and signed the deed of our family home which was paid for in XXXX to me in XXXX. My grandmother XXXX to her illness in XXXX. 

In XXXX a second mortgage was taken out on the home by XXXX XXXX XXXX owned by XXXX XXXX. At the time I was XXXX XXXX XXXX. To produce this FHA Mortgage fraudulent pay stubs, XXXX, and identification was submitted to open the mortgage. In XXXX XXXX XXXX was convicted on XXXX counts of massive mortgage fraud. Borrowing others identities and producing documents the same way he had done me. 

In XXXX the Mortgage was purchased by Wells Fargo without investigating the origination. In XXXX the home went into foreclosure. Wells Fargo tried to force me into a modification although the mortgage was fraudulent. After submitting a fraud packet, verification of birth, social security number, state identification, and school records ; Wells Fargo determined the mortgage was valid ; despite the fact the name, Birthday, and documentation are incorrect and are perusing a sale on XXXX XXXX, XXXX. 

I have attached supporting documents as well.
Product: Mortgage

Hello. I have a mortgage with Mr.Cooper. I got behind on my payments and contacted Mr. Cooper on XX/XX/XXXX to receive the payment amout to avoid foreclosure. The amount provided was XXXX. I was able to procure the funds that very same day. When I called back on the afternoon of XX/XX/XXXX I could not get through to Mr Cooper on  their phone lines or make the paymentonline. When I finally reached them a few days later they admitted they did have phone issues beginning on XX/XX/2020. 

The issue is now they are saying that the amount to pay to avoid foreclosure is XXXX. 
My argument is that I could not get through to them on the XXXX to pay the amount when it was XXXX. I was told there is nothing that can be done and am still waiting for a supervisor call back that I presume after this amount of time will not be happpening. This appears to me to be not only extremely unfair but possibly illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX 2019- XXXX 2019 mortgage payments were made to the mortgage company. in XXXX they reported my account was 30-60-30 days late. I filed a complaint asking for the company to correct the reporting in XXXX twice, with the second request filed on the XXXX of XXXX, then again on XX/XX/XXXX. The company has failed to correct the record even though there is documented evidence that the payments were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Over the past year I have been disputing incorrect information reporting on my credit. The following are examples incorrect balances, incorrect payment history, incorrect credit score and fraudulent accounts that did not belong to me.

Most recently my SCORE drop 50 points without a justifiable reason according to XXXX XXXX.

All of my accounts are in excellent standing for over years, some are even paid 6 months in advance.

I read the guidelines used to rate my score and all were green with the exception of one credit card for XXXX which was paid, It was paid before receiving a statement. 

I need justification for a 50 point drop or just correct the error ASAP!
Product: Debt or credit management

Freedom Debt relief mislead me and my wife about the program. I have paid my monthly fees, but on my credit file I have more than 3 credit card companies that I have settled charged off my accounts, but still receiving payments. Freedom Debt Relief have very XXXX  regarding this matter. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. Transunion, XXXX and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit, they will see that they don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THROUGH THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX.IVE VIEWED MY CREDIT REPORT AND DISCOVERED MULTIPLE ADVERSE ACCOUNTS ( COLLECTIONS ) THAT DID NOT BELONG TO ME.ALL ADVERSE ACCOUNTS HAVE MISSING INFORMATION, DIFFRENT REPORTED DATES, AND INCOMPLETE.IVE DISPUTED THE ADVERSE ACCOUNTS MULTIPLE TIMES WITH ALL THREE CREDIT BUREAU 'S WITH NO SUCCESS. ( XXXX, XXXX, EXPERIAN ) .IVE ALSO REQUESTED PHYSICAL PROOF OF SUCH ACCOUNTS WITH NO SUCCESS.ACCORDING TO THE FCRA, THEY MUST PROVIDE ME PHYSICAL PROOF OF ACCOUNTS BEING DISPUTED, AS WELL AS THE ORIGINAL-SIGNED CONSUMER CONTRACT IN WITCH THE BUREAUS HAVE FAILED TO DO.IVE ALSO HAD ONE ACCOUNT REMOVED THEN RE-INSERTED WITH NO NOTICE.ALSO THEY HAVE 5 DAYS TO NOTIFY ME OF A RE-INSERTION AND DID NOT, BECAUSE OF THIS IT HAS BEEN VERY HARD OBTAIN CREDIT.SINCE THEN IVE RECIEVED MULTIPLE HARRASSING CALLS FROM DIFFRENT CREDITORS THREATNING PUNISHMENT. 

OPEN DATE-XX/XX/XXXX-AMOUNT {$350.00} OPEN DATE-XX/XX/XXXX-AMOUNT {$610.00} OPEN DATE-XX/XX/XXXX-AMOUNT $ XXXX- ( RE-INSERTED )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts listed below has violated my rights. 

15 U.S.C 1681 section 602A States l 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 XXXX. XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX  XXXX # XXXX XXXX. XXXX XXXX # XXXX
Product: Credit card or prepaid card

I am a victim of identity theft I have sent Bank of America my police report, my XXXX report and other documents, stating that I am a victim of identity. My roommate for 20 years was using my baby stealing money for me and ruining my life.
Product: Checking or savings account

Hi, I would like to file complaint concerning theft or loss of my money at Bank of America. Despite numerous attempts to resolve this problem with Bank of America, I am still not getting anywhere on this. In CFPB case XXXX, I have learned that Bank of America escheated my property to State of Wisconsin. So, I contacted State of Wisconsin, their response ( in writing from the DOR Unclaimed Property Division ) is the following : " I have looked under your name and I can not find anything under your name. You will need to contact Bank of America, we can not help you claim your unclaimed property if we can not find it. Its possible Bank of America misspelled your name or make a data entry error when the property was sent to us. You will need to go back to Bank of America and talk to them. They have more information about the property then us. '' I did as instructed by the State of Wisconsin. In my email sent to Bank of America on XXXX XXXX, 2017, and also in CFPB case XXXX, I provided Bank of America the response that I received from State of Wisconsin, and I asked Bank of America to find my money. Bank of America has not addressed this problem, neither via email nor in CFPB case XXXX. I STILL DO NOT KNOW WHERE MY MONEY IS. I do not want to call any phone number at Bank of America as XXXX XXXX from Bank of America suggests to listen to their excuses. THIS IS BANK OF AMERICA 'S PROBLEM ; BANK OF AMERICA LOST MY MONEY. I WANT BANK OF AMERICA TO CONTACT STATE OF WISCONSIN TO FIGURE THIS PROBLEM OUT, AND TO FIND MY MONEY, and tell me where it is IN WRITING! AND WHEN YOU FIND IT, SEND IT AS A CHECK TO MY HOME ADDRESS. I am so disappointed with Bank of America that I am almost ready to report my experience in national media!!!
Product: Debt collection

ERC took possession of the debt XX/XX/16 amount owed {$670.00} ... Original creditor was XXXX ... Account paid but still showing on credit report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and transunion failed to provide factual documents about these accounts on my personal account Transunion -Address of XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Failed to provide factual information about XXXX XXXX account # XXXX -inquiry from XXXX XXXXXXXX when there is no credit card on my file from them XXXX -address of XXXX XXXX XXXX XXXX, FL XXXX XXXX -address of XXXX XXXX XXXX XXXX XXXX FL XXXX -Failed to provide factual information about XXXX account # XXXX -inquiry from XXXX XXXX XXXX XX/XX/year> -inquiry from XXXX XX/XX/year>