23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was initially XXXX, XXXX, XX/XX/XXXX informed about a 10 % down payment, a 20 or 25-year term, and a repayment period per XXXX of 3 years. However, with just 6 days left until closing, Im unsure if this is appropriate or not. Wells Fargo has already deducted {$6200.00} from my account for the appraisal and other costs. Surprisingly, they are now insisting on a {$30000.00} 2nd on my DE beach property and additional down payment to cover a valuation shortfall. Beyond the concerning low appraisal, which doesn't align with property comparables bc they arent metro accessible like the property Im trying to purchase, there seems to be an unsettling pattern that puts me at a disadvantage. As an XXXX American female business owner, the persistent low appraisal raises suspicions of an ongoing tactic to extract more funds for the closing. 

I had a previous low appraisal for another property by Wells Fargo and covered the {$75000.00} and I think this same ploy is being used. 
Im supposed to close on XX/XX/XXXX please help. 
Loan # XXXX
Product: Checking or savings account

On XX/XX/2020 I received a telephone call ( on my home phone ) from XXXX, indicating that a fraudulent purchase was made on my XXXX account for an XXXX. I indicated that I did not make any purchase. The person indicated that in order to refund my " purchase '' I would need to give him some information to be sent to the Billing Dept. While on the phone, I looked at my account through my mobile app ( cell phone ) to see if any charges were made. I did not see any and as I was closing my account he started to tell me what to do in my account. He proceeded to say that my account was frozen and he needed me to transfer money in order to get my money back. I immediately closed my account app and told him the information was incorrect. I hung up the phone. 

I called TD bank to ask about any charges and if my account was frozen. I spoke to XXXX who told me my account was fine. I explained to her of some seemingly fraudulent activity and asked if she can put a hold on my account for a charge as explained to me for an XXXX. I asked if a note could be made to link to my account. Worried, I even called back to TD Bank and spoke to XXXX explaining this activity and to note it on the account. Unfortunately, I did not get last names but spoke to 2 representatives about this concern, This man called me back and asked me again to provide him with information and I did not take his call. 
A charge was made to a XXXX account XXXX XXXX, XXXX, for {$500.00}. I did not authorize this charge and my bank has denied my claim. 
I do not use XXXX nor do I have any friends that use it. I do not know a XXXX XXXX. 
The next day XXXX XX/XX/2020 ) I looked in my account app and a charge of {$500.00} was paid to this person in AZ. 
Although I asked for my account to reflect this fraudulent activity my bank did not make any effort to stop this payment. 
On XX/XX/2020 I received a letter from TD Bank denying my claim of fraudulent activity. 
They advised me to file a police report. 
I am reaching out to you because I do not feel protected by my bank as it seems that this incident should raise a red flag because I have never used XXXX and my bank should know this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting three successfully paid loans on my credit bureau history. I called Experian XX/XX/XXXX and informed them of my address and name change, they confirmed they could see the loans and informed me to check with the lender to ensure they were being reported and that they would add them to my credit report. I signed up for the paid service to check my report more than monthly in order to ensure the loans had been added to my report. I've been checking my report weekly and the loans have not been added. I called XX/XX/XXXX to discuss the issue with Experian, I could not get through the IVR, only options were order a report and report fraud. I went online to file a dispute and their website is not working. In the meantime, I've called my institution and they have confirmed they are reporting my data to all three bureau 's. This is directly impacting my ability to get an apartment, I was declined due to lack of credit history. My score is high enough to be approved, and if these loans were being reported accurately, I may have been approved for the apartment.
Product: Credit reporting or other personal consumer reports

Im writing to urgently address the serious damage being done to my credit score due to unauthorized and unverified information on my report. These inaccuracies are completely unjust and are having a devastating impact on my financial life, preventing me from accessing credit and opportunities that I should easily qualify for.
Product: Credit card or prepaid card

I submitted a complaint with the attorney general on or about XX/XX/21. Case # XXXX. The complaint was in regards to the secured card Ive had with a DISCOVER for over a year. A response was sent from the XXXX office ( XXXX XXXX ) stating the companys right to hold the deposit at their discretion. I followed up with both the XXXX and DISCOVER asking that my deposit be returned Pursuant to XXXX XXXX Code XXXX. Transactions involving finance charges shouldnt involve cash. I asked that my credit be switched to an open-ended account Pursuant to XXXX code XXXX. I also reminded DISCOVER that any adverse actions against me because of this request is a violation as I am a federally protected consumer. On XX/XX/21 I received an email stating my account had been closed at my request. My complaint and response specifically stated that I wanted to keep my account active. I never requested my account be closed. A few calls have been made to DISCOVER in regards to this matter. The only response was that of the adverse action taken on XX/XX/21.
Product: Credit reporting or other personal consumer reports

Car loan was charged off six years ago, but it continues to report every 30 days as being late. The loan was charged off in XXXX of XXXX. Creditor reported to XXXX that loan was 60 days past due XX/XX/XXXX then states loan was brought current the following month of XX/XX/XXXX, then stated it was charged off the following month after that in XXXX of XXXX. 

For six years they have reported this charge off as 30 days late every month for 6 consecutive years. I have contacted them on several occasions and disputed it multiple times with XXXX.
Product: Credit reporting or other personal consumer reports

I noticed errors on my credit report under 15 USC 16c-2. There are inquiries listed that I didnt authorize, which are negatively affecting my credit. Please remove all unauthorized hard inquiries.
Product: Credit reporting

Experian contacted XXXX to have my account removed from Experian, Experian insist that they do n't have request, I even faxed them a letter from the collection agency saying to remove account and they have not done so
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. 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
Product: Credit reporting or other personal consumer reports

I see items on my credit report that I dont recognize, suggesting my identity may have been stolen, as I didnt approve these accounts. Ive raised this issue before and am now urgently requesting their removal. These accounts dont reflect my true credit history and are causing me significant stress. If we cant resolve this, Im prepared to take legal action to protect my rights. These inaccuracies are major obstacles to achieving important financial goals, like buying a house and supporting my family, so I hope we can address this issue quickly.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft from XXXX XXXX breach. 

Since then I have placed a lock on my credit report and also froze my credit with all XXXX Bureaus. Experian has also placed a statement on my credit report. Nevertheless I am still having accounts opened on my credit report that is not mine. 

The latest XXXX is from XX/XX/XXXX, XXXX XXXX XXXX  XXXX was opened and transferred to a debt collections agency. {$790.00}. XXXX XXXX XXXX. ( I have never lived nor live there ). This has caused emotional distress, and also I am unable to move to another home until this removed from my Credit. 

Please help, this continues to happen and I dont know what to do anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have requested that these fraudulent items be removed from my credit reports. The credit bureaus have not provided proof that these are my items. I have not seen a contract or a signature for any of these accounts.
Product: Debt collection

I have sent numerous disputes to this company with no response. So I sent them a cerified mail with a return receipt to the address listed on the credit report. It was returned undeliverable. 

1. The company never notified me in writing about this debt or gave me a chance to dispute/validate before it reported on my credit.

2. The address listed on the credit report is clearly not accurate, which is illegal under the Fair Credit Reporting Act.

3. This is clearly inaccurate and negatively affecting my credit unnecessarily. 

This needs to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX auto financing loan did dont appear in XXXX, XXXX XXXX or Transunion credit report. XXXX XXXX states that they last reported the positive payment status of the account to the three major credit agencies in XXXX. I have 5 years worth of positive payment history that is not reflected in my credit report. Furthermore, although the XXXX XXXX finance loan initially appeared on my credit report, it disappeared about two years ago, even though I was continuing to make payments on the loan. I recently closed out the loan, but the positive payment history and the payoff are not on any of my credit reports.
Product: Debt collection

Not only does the debt not belong to me, but XXXX XXXX XXXX has illegally had this on my credit report for OVER 7 YEARS. They are in direct violation of the XXXX XXXX XXXX XXXX. They placed the illegitimate debt on my credit report on XX/XX/XXXX, and it still remains on my credit report as of XX/XX/XXXX. Thats 7 years and 6 days and counting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian REFUSES to remove inaccurate information on bankruptcy. This item is still being reported incorrectly and is extremely detrimental to me. This has caused me emotional and financial hardship because Experian does not want to act in accordance with the Fair Credit Reporting Act, Section 1681i.

I have requested that the inaccurate information of : 1. Chapter XXXX BK-XXXX  be verified by including : 1. Names of individuals you contacted for verification 2. Their addresses 3. Phone number I need to have this certification so that I can check it as well.

If Experian can not furnish those items requested then they must remove according to the law.
Product: Credit card or prepaid card

I had XXXX different Citi Bank credit card offers mailed to me in XXXX. XXXX was for 18 months no interest and the other was for XXXX or XXXX  months no interest. I chose to use the XX/XX/XXXX month no interest, of course. ( Note that my friend opened theirs on the same day with the same offer. They are still not being charged interest. ) Citi Bank began charging me interest after only XXXX months. Now they say that since I didn't keep the flyer that said XXXX or 22 months on it, I'm basically out of luck. All I can think is that the person who set up my card entered the wrong end date for the promotional offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. Item # 1 : I dispu
te XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item
that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

these accounts are not mine have never. lived in south Carolina have been trying to fix this for years remove account from credit report i was overseas working have orders to prove it for court
Product: Checking or savings account

M & T bought people 's bank, in beginning didn't have problem for first 2 days, then couldn't access my account to see balance, couldn't call XXXX number kept getting a automated male voice saying due high call volume please try back and would hang up so couldn't hear balance. Used as debit for immediate fund removal since was always told by peoples to do that. They held debit purchases for several days and somehow my account went negative {$78.00} when card should of been declined. Finally was able to get threw there was a rude customer service rep only thing she said was need money to spend money which I get and when asked why card wasn't declined her answer was they don't do real time deductions. Basically prevent us from accessing our online feature and from us calling to hear balance then hit us with overdraft fees when they held payment purchases. I've never had a problem with peoples bank. Over past 2 days they've sent the over draft post cards not sealed so every person who came contact with the overdraft post card was able to see my balance and part of my account number, this is horrible customer service and privacy violation, I want the overdraft fees waived since they wouldn't let us in accounts and wasn't able to check my balance on phone either and also with however any people who seen part my account number I'm not comfortable and want account closed. Attaching postcard that was not sealed and delivered open
Product: Credit reporting or other personal consumer reports

I recently was checking my credit report and noticed I had fraudulent activity and accounts. Please remove all fraudulent accounts as it is hurting my ability to obtain credit. Thank you!
Product: Bank account or service

I heard on XXXX news that XXXX XXXX was fined for credit card scams. The same credit card scam has happened at Bank of America in XXXX, Maryland on XXXX XXXX. Customers like myself had credit cards opened in their names without their knowledge. Bonuses was given to the bank representative that fraudulently applied for the credit card. I have reported my incident to XXXX bank managers in XX/XX/XXXX and the other in XX/XX/XXXX. I mailed a letter to the CEO of Bank of America in XXXX XXXX. I gave the current bank manager ( XXXX ) a copy of the CEO letter. XXXX filed a formal complaint on my behalf. An employee, XXXX was terminated ( according to XXXX ) for committing the credit card frauds and I was not the only customer the fraud/scam was committed against. The bank manager XXXX XXXX, did not file a complaint in XX/XX/XXXX. She acknowledged that XXXX had committed credit card fraud and I had not received a disclosure ; however, she requested that I use the card to get rewarded for purchases. In addition, I was to see XXXX XXXX should I have concerns, employee XXXX has a XXXX and she would take care of the situation. The purchase reward, according to XXXX XXXX, would pay the credit card balance after I used the card for XXXX year. I have used the card for one year and I have not received purchase rewards to pay-off the credit card balance. XXXX XXXX is working at a Bank of America branch in XXXX, MD on XXXX XXXX, according to XXXX. I am concerned that this scam involving Bank of America has not been addressed for I am waiting for a response to the letter I sent the CEO and the formal complaint filed by XXXX, Bank Manager. Recently I was sent a letter from Bank of America stating changes to my credit card agreement. How am I to agree with recent credit card agreement changes if I never received the initial agreement/disclosure? I have no idea what information was used to apply for the credit card. I never discussed credit card, never had any intentions on applying for a credit card with Bank of America, and only went to the bank the day the credit card information was submitted to get a check register.
Product: Money transfer, virtual currency, or money service

Well I had been tryna get my account fixed with cashapp and they kept telling me to put the same question they had already asked me for the 1000 time and every time I tried doing what they was telling me to do they look right over what I was showing them on my account they paid me for 2 of my unauthorized transaction but they looked over the other ones that I had told them about a day are to before said they was sending an email never received anything from them so when I tried contacting them again they told me my account was closed do to the terms of use I really need my money I been having problems with my identity anyway and I was trying to show them prof but the lady said she was so sorry and that I wasn't gon na get my money back I just don't understand why would they close my account and not give me my money back are to speak with anyone that could have helped me
Product: Payday loan, title loan, or personal loan

I have tried yo reach out several times to this company about this fraudulent account that i did not open i don't even know what type of account this is i have wrote this people i have tried to call and email them and they have never responded they are reporting that i am paying or paying i have asked them to show me where the payments are coming from i have never paid them 1 dime i didn't open this account i asked for contract with my signature and they still have never responded
Product: Payday loan, title loan, or personal loan

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance 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. 

XXXX. XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a 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. 

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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2021 I filed a complaint regarding a charge card I have from Navy Federal that has reached its limit & Im no longer able to use it for purchasing good, labor or service on credit. I applied for a limit increase, received no response. 
On XX/XX/2021 I received an email from the CFPB stating that the company was still working on the issue. 
After no response since then, I sent this corporation a cease and desist which they received on XX/XX/2021 stating I refuse to pay this alleged debt on the account and as a consumer, invoking my specified remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed me to make a payment arrangement with them to pay my account. And get caught up from being behind due to Covid-19. I asked how this would impact my credit report. And I was told multiple times not to worry about the credit reporting. Because XXXX was giving me an accommodation. And that under the FCRA any loan modification to your original loan terms was an accommodation. And could not be reported as anything other than current.
Product: Credit reporting or other personal consumer reports

In accordance 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. 
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, has violated my rights. 


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.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX XXXX account was opened by fraud and shall delete from my credit report by LAW. Account number XXXX with a balance of {$7200.00} is inaccurate and I request the company to provide me with the proof of ownership to see how this account was opened without my knowledge. 
Delete this inaccurate fraud account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple XXXX XXXX credit accounts and collections in their behalf continue to report negatively on my credit report with XXXX, EQUIFAX and XXXX. I have a discharged bankruptcy in which XXXX XXXX accounts were included and this should include all collections on their behalf. I have made multiple disputes on this matter. The accounts were updated to a positive status but later put back to a negative one. I pay monthly for a membership that never has the proper updates and it continues to impact my credit score negatively. Being told by representatives that these items will fall off eventually does not help or solve my issue. These negative reports are having a huge impact on my credit rating.