23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XX/XX/2017 I called TransUnion three times because I do not have access to my credit report online for viewing or disputes for whatever reason. I contacted TransUnion because there are some inaccurate things on my credit report. The first time I called I was immediately transferred by Customer Service to the special handling department because they said they had no access to my file and could not assist me. I then spoke with two different people who identified themselves as being in the special handling department. I was transferred again to someone else in special handling who advised that their supervisor was handling my file. I was then transferred to a voicemail to leave a message which I did. After not receiving a returned call I called TransUnion back again and went through the same transferring cycle. I was advised this time by two people in the special handling department that my file was being handled by the priority department and that they would transfer me. I was transferred to the same voicemail from earlier. I called back again only to go through multiple transfers of people that had the same script to the point that I could finish their sentences. I was transferred to the same voicemail and was not given any assistance whatsoever. Each call had 3-5 transfers and long holds before finally transferring me to the voicemail. I am feeling like I am being toyed with and it is highly unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry from XXXX XXXX which occurred on XXXX XXXX,2017. This inquiry appears on all three credit bureaus. I did not authorize anyone to access my credit report on this date.
Product: Mortgage

In XX/XX/XXXX, we put our mortgage into a COVID forbearance plan with US Bank. In XXXX of XXXX, we contacted US Bank to find out what we needed to do to start paying our mortgage again and refinance. We were instructed that we needed to make three consecutive payments and could then apply for the refinance. We then made XXXX, XXXX, and XXXX payments. In XXXX we applied for a refinance and were told that we had to actually remove our account out of the forbearance plan and then make three payments. We lost out on the low interest rates which was very devastating. In XX/XX/XXXX, we completed a Payment Deferral Agreement with US Bank to remove our account from the forbearance plan and they confirmed it was received XX/XX/XXXX. I spoke with a Relationship XXXX from US Bank and they stated that is was being processed and would be effective XX/XX/XXXX. I called back on XX/XX/XXXX to confirm everything was processed and spoke with US Bank employee XXXX id # XXXX, at which time he stated that the account had been removed out of the payment deferral plan inadvertently. He was going to have a XXXX contact me to let me know what happened and how we correct it. I did not hear back from anyone so I called back on XX/XX/XXXX and spoke with XXXX id # XXXX, she stated that someone from the bank had made an error and removed us from the deferral plan. She stated that she would get it reversed and submitted to Underwriting for approval immediately. She stated that that process takes 72 hours and she would follow up with me by XX/XX/XXXX. I had not heard back from her so I called on XX/XX/XXXX and spoke with XXXX. She stated that it was still with Underwriting and she expected to hear from them in the next day or two. I have not heard back from her and have tried on three attempts to contact her directly with no avail. I called XX/XX/XXXX and asked to speak to a XXXX. I spoke with XXXX id # XXXX. He stated that the above information that I was given was correct but still could not tell me the status on the account. He could not confirm that we had been reinstated into deferral plan, he could not instruct me on whether or not to pay or XXXX mortgage payment, I can not seem to get anyone to tell me the status of the account. I am not sure where we stand, no one from the bank is calling me back or following up. This has been the most unprofessional and misinformed experience I have ever had. I have spent hours, upon hours on the phone with various representatives and been given different answers and lost out on a huge monthly savings on my mortgage with the refinance because of this misinformation. I just want my account back in the deferral payment plan and move on from this. This forbearance plan was intended to help people through the pandemic and this has done nothing but cause problems because of US Bank 's lack of knowledge, follow through, and professionalism.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding inaccurate information that appears on my credit report. I have reviewed my credit report and identified several accounts that are reporting inaccurately, which is negatively impacting my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midlan founding is harrasing. Me whit lawyer calls and whit a falls impersonation of a lawyer . I also don’t ever open this account was a fraud open back in 2015 by some one else and damaged my credit was reported on 2015 as a fraud by my local law enforcement RD#XXXX
Product: Debt collection

FOX COLLECTION CENTER IS A COMPANY THAT I HAVE NEVER CONDUCTED BUSINESS WITH. THEY ARE REPORTING THAT I OWE MEDICAL BILLS TO THEM. MY MEDICAL BILLS HAVE BEEN PAID BY THE UNITED STATES GOVERNMENT FOR MY MILITARY SERVICE SINCE XXXX 1975. THE ORIGINAL CREDITOR SHOULD BE IDENTIFIED AND THE DATE OF SERVICE SHOULD BE CHECKED AND VERIFIED AND SENT TO MEDICARE, DEPARTMENT OF VETERAN AFFAIRS AND OR DIRECT BILL.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXX EXP DATE : XX/XX/23 CVV : XXXX
Product: Credit reporting or other personal consumer reports

I KNOW THIS MAY BE A DUPLICATE COMPLAINT, HOWEVER I HAVE UPDATED DOCUMENTS PERTAINING TO THIS MATTER, I HAVE INVOLVED THE XXXX POLICE XXXX XXXX XXXX DEPARTMENT TO RESOLVE THIS MATTER, THEY HAVE CONTINUED TO NOT COMPLY WITH ANYTHING THEY HAVE CONTINUED TO LIE AND HAVE TAKEN RESPONSIBILITY FOR MY ACTIONS OF MY INAPPROPRIATE, LEWD AND RACIAL REMARKS TO THEM. I WILL BE SPEAKING TO DETECTIVE XXXX XXXX REGARDING THIS MATTER AND THEY CONTINUE TO COMPULSIVELY LIE ABOUT VXXXX XXXX XXXX HAVING MY ONE OF ACCOUNTS ( THE CREDIT CARD ACCOUNT WAS BUT REVERTED BACK TO THEM AND I HAVE PROVIDED A COPY OF THAT CORRESPONDENCE AS WELL ) ALSO, AMIDST THIS BEING IDENTITY THEFT, PER CUSTOMER DASHBOARD IT STILL WILL TAKE PAYMENT ON BOTH ACCOUNTS REGARDLESS AND AS I STATED THIS STILL IDENTITY THEFT PERIOD, IN ADDITION THEY WERE TOLD THAT I WAS EVICTED WHEN THEY SENT ALL OF THEIR VERIFICATIONS AND THEY CONTINUE TO IGNORE ME LYING CONSTANTLY!!!! I WANT THIS TO BE OVER WITH!!!! THIS SITUATION HAS CAUSED ME SEVERAL JOB OFFERS, POTENTIAL RELATIONSHIPS AND XXXX XXXX WITH BEING INTIMATE!!! THEY PRETEND TO BE SORRY AND BRUSH OFF THE FACT I HAVE TRIED TO XXXX XXXX ALONG WITH THE FACT THAT I AM HOMELESS, CARLESS, JOBLESS AND HAVE BEEN XXXX  AND XXXX CONSTANTLY!!!!! THEY ARE NOT SORRY AT ALL AND I WANT $ XXXX FOR EMOTIONAL AND MENTAL DISTRESS WHICH HAS BEEN TAXING!!! I HAVE ALSO PROMISED TO NOT HAVE ANY CONTACT WITH UPGRADE, INC AND NOT APPLY FOR ANY CREDIT WITH THEM AND ADDITION TO MY TERMS ONCE THEY HAVE COMPLIED AGREEING WITH THE TERMS AND CONDITIONS MENTIONED I WILL TAKE ALL OF THE VULGAR AND ILLICIT POSTS I HAVE MADE BUT NOT UNTIL THEY HAVE AGREED TO MY TERMS, PAY ME AND GIVE MY XXXX XXXX PREMIUM OF MY CHOICE AS THEY ARE A MULTIBILLION COMPANY WHO CORRUPTS MULTIPLE CONSUMER AND TAKE NO RESPONSIBILITY FOR ANY ACTIONS AT ALL!!! I AM AWARE OF MY FINANCIAL CHOICES AND PROBLEMS. DOING THIS WILL RESOLVE EVERYTHING ON BOTH ACCOUNTS AND OUT OF COURT!!! THIS WOULD PREVENT ANY BAD PRESS, BAD PR AND ANY LEGAL ACTION IN THIS CASE!!! $ XXXX AND XXXX IS BETTER THAN LEGAL SITUATION AS WELL AS AN ANGRY CONSUMER!!! IF THEY CAN GO OUT ON YACHTS, VACATIONS AND HAVE MULTIMILLION MANSIONS BUT ACT CHEAP ( THEIR FINANCIAL AND PERSONAL ARE PERSONAL BUT THEY ACT LIKE $ XXXX WILL BREAK THEM )
Product: Payday loan

Global Client Solutions is claiming they are going to contact my work, garnish my wages and file check fraud for a loan that I have no knowledge of. When I asked for proof they said unfortunately it 's too late and they are not the originator of the loan and if I did not pay them they would move forward with charges.
Product: Mortgage

we have sold our home and purchased a new home, problem is back in 2010 we took out a loan for {$140000.00} for remodel, then transfer the loan to another branch of US Bank, no one ever record the close of the first loan with XXXX County records, and this is the hold up for escrow closing that as of the XXXX four families suffer as closing cant occur on 4 properties, including ours. this started over a month ago. XXXX XXXX needs a letter than specifically references the fact that the attached Deed of Trust was paid in full and that they are in the process of releasing the lien, because they cant find it in their system. 
Please this is very URGENT. I do not know what else to do
Product: Mortgage

when i bought the house we live in, the mortgage is with Wells Fargo. when pres obama said there is mortgage help out there i thought why am i paying 6 % on my loan. This was in XXXX i have contacted Wells Fargo to refi to a VA loan from a fha loan because of all the insurance i have to pay. Well to make a long story short here i am 3 years later still trying tlo get a refi. Wells Fargo has never ever tried to help me. in XXXX i suffered a XXXX XXXX XXXX, i am the only worker in my family. when the XXXX XXXX came my unemployment just ran out current on mortgage. As i was in the hospital from XXXX XXXX to XXXX XXXX i was in the hospital. my new job was to start on XXXX XXXX well after the XXXX, i was left with XXXX income, so i went to my veterans service office and received a macv which paid my mortgage and house bills for 6 months. they paid and not always on time, So Wells Fargo who knew of my condition said as long as we receive it by the XXXX no penalties. So what they kept doing is reported every late to the credit bureau. taking my credit score from XXXX down to XXXX. So now they will not refi me because my credit score is down. What they do not understand is that they did it and that they refused to help because of that. So they keep doing this while i go deeper in debt. All i ask is that they refi me, take the stuff they put on my credit report off. i have been ontime for past 6 month, they told me after 3 months on time we will work with you. Well its been 6 and nothing. for three years i have been paying over {$4200.00} on interest and {$1200.00} on my principle per year. Also they have raised my esgrow account from {$130.00} a month to over {$210.00} a month, mean while my insurance and taxes have not gone up since i signed the papers. my tax goes up only {$40.00} and down depending on the schools needs. my insurance highest was {$1000.00} i have since redid insurance XXXX to keep it below {$800.00} a year. But Wells Fargo has broken verbal promises, they have lied to me about why my payment keeps going up even though the taxes and insurance as i write this are the same as when i signed my mortgage but the increase of 100 % is alarming. They refuse to help because of my credit score in which they brought down as i was fight for life. This bank has done alot of damage to my credit, my life and yes i am on XXXX because of XXXX during my XXXX XXXX. I just need this bank to do the right thing. they have disciminated against me, they have put me in a financial pickle. I have tried but all i get is no we ca n't because of your credit score that we brought down. my next step is to sue Wells Fargo XXXX XXXX for unethical business practices and unethical discrimnation of finacial help, and unethical lending practices. The 6 % i pay on this mortgage is unreal and Wells Fargo owes me for overpaying the last 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX and XXXX and XXXX provided me access to my free credit report immediately. Equifax denied me access and told me to call customer service at XXXX, but all I got was their stupid XXXXouch-tone bingo menu system. No human ever came on the line. 

Equifax is a lousy company.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my FLAGSHIP CREDIT ACCEPT XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

Amerihome Mortgage Co. I had an Forbearance agreement that started XXXX, XXXX, ended XX/XX/2020. I was told by mortgage representative that all late charges and reporting will be extinguished! My loan was NOT delinquent!! So, there should not have been any credit reporting made! My payments are due on XXXX of the month and after XXXX late charges will apply, that's on my payment statements. In XX/XX/2020, I was told by another bank that Amerihome mortgage reported me during the forbearance period for Late payments in XXXX and XX/XX/2020! I immediately called mortgage company and was told by a representative that they was sorry and will work to have it removed but will take 2 weeks? In XX/XX/2020, My credit score went from Excellent! to Fair? because of this reporting during hardship. I called mortgage company back in XXXX, No note was made on my account regarding the reporting retraction as promised? No one new anything about this problem! Now, Amerihome mortgage has made it difficult for me to make payments online!! This company dose NOT put the customer at the forefront? This is NOT an honest company! They use loans at the customers despair! 

XXXX XXXX
Product: Checking or savings account

On XXXX XXXX,2017 Navy Federal Credit Union Transferred {$710.00} from my savings account to my home improvement loan with out my permission and refused to put it back even after I told them the money was for personal things given to me by my lawyer to live on until about the XXXX of XXXX when my settlement comes in and I intend to pay off my loans in full.
Product: Mortgage

This started in XX/XX/XXXX. We are trying to get a charge off letter that Wells Fargo issued in XXXX of XXXX. Wells Fargo put this loan on our credit report and we were working with XXXX XXXX and they said our credit had dropped, so we couldn't refinance to get rid of Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint as a follow up to the CFPB in regards to these fraudulent items that I have been repeatedly request the XXXX, XXXX and TRANSUNION to kindly expunge these items below from my file. And as it have been months of repetition of sending letters of request to remove these specified items. I am humbly asking immediate assistance to the CFPB for this issue that won't seem to end anytime soon. Please see the following items that I want nothing more but to BE REMOVED from my credit reports : 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 Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} TRANSUNION : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number- XXXX Whom It XXXX Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

I have requested from Bank of America that they provide proof that I was sent the bill 21 days before my due date or any other proof that I was late. They have refused to provide any proof to substantiate their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just found out about the error when we refinanced our house about a month ago. 
I did not know what NC Financial was on the credit report stating I owe {$540.00} I showed them the letter they sent me in XX/XX/2021 showing I paid off the loan. Around XX/XX/2021 they reported me to the credit bureaus as owing them money. I contacted NetCredit and they deny they reported me. I showed them my credit bureau report from XXXX  and gave them a snippet of the NetCredit owing account. They stated the credit bureaus created that item, not them.
Product: Consumer Loan

I have a collection for {$20.00} that was paid directly to XXXX XXXX and they cashed my check on XXXX/XXXX/16. This should never have gone to collection. I 've sent plus4 the check copy and asked them to remove it from my credit report. They stated they wo n't remove it until other accounts are paid. I believe they can not do this as this was paid prior to them receiving the collection. I want this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX  XXXX Balance Owed : {$430.00} XXXX  XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

I paid off my chase credit card debt and my XXXX  credit card debt both of which were collects that were charged off.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress  as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.