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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts opened at 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 opened on XX/XX/XXXX, XXXX also notice the addresses and Names on the account also invalid and not recognized. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I looked at my report. I sent a letter to experian, XXXX, equifax on XXXX asking them to reinvestigate these accounts : elan fin XXXX status XX/XX/year> balance XXXX recent payment XXXX monthly payment XXXX, high balance XXXX, and XXXX XXXX status update XX/XX/XXXX, past due XXXX, highest balance XXXX monthly payment XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

Someone opened a Bank of America online account using my name and social security number. Ive called over 5 times trying to get assistance with this matter.
Product: Mortgage

First National Bank gave me the pre approval on a home. I went through with the process on closing on the home, then I received the final approval letter for me to close on the specific home. That final approval letter was faulty, because the bank after sending went back and had to look at additional documents that the bank missed. This cost me to lose closing on the house and costs us thousands of dollars lost in my escrow account. The bank never offered to help or anything with this process.
Product: Checking or savings account

I am requesting my claim # XXXX be reopened as it has still not been paid to the business for the past due. XXXX at Wells Fargo denied my claim stating that the {$300.00} stolen out of my Wells Fargo account would be paid to XXXX XXXX XXXX  within 45 days. Today XX/XX/24 is actually the XXXX day and when I followed up online with XXXX XXXX XXXX my account the still reflects an amount due of the {$300.00} taken out of my account by Wells Fargo without my knowledge or permission. XXXX stated it could take up to 45 days for it to be paid to XXXX and today is the XXXX as I mentioned above. XXXX never stated XXXX business days either as I started above today is the XXXX day since the {$300.00} was taken without permission from my Wells Fargo account. XXXX please do not try and now say you meant XXXX business days as the proof is clear in the attached letter you sent me you stated ONLY days. I am requesting to receive my stolen {$300.00} back as soon as possible. This is not professional or ethical to steal and then lie to a consumer. Additionally Wells Fargo has continued to ignore my email communications so I am filing this new claim on this ongoing issue. Given XXXX XXXX fraudulent and deceitful past with consumers i e., opening new accounts in existing customers names without there knowledge or permission I would hope that you of learned from you deceitful fraudulent business practices. Wells Fargo do the right thing and return my stolen money to me. Reopen my claim please Wells Fargo and return me my money as this is bad business practices.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been attempting to sell a home. The title commitment shows a company that is out of business. When I went to close it shows the original line holder of the primary and secondary loan to be Chase. One loan was charged off in 2009. This is a lien that Chase maintains. I attempted to satisfy the debt in full. Chase will now not speak to me and refers me to a servicing company called XXXX, who tells me the charged off debt is now XXXX more. XXXX now informs me that they have sent the file to a company called XXXX XXXX who is now in charge of discharging the debt. The debt is unfairly inflated and I am aware that there can be no penalties attached to charged off mortgage loans. Now they are preventing a sale for the second time of debt that is almost 10 years old. I am so you trying to sale the house fairly. Please help.
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint regarding late payments on my credit record. Upon reviewing my file, I discovered these late payment entries. I sent letters about this issue over 30 days ago but have received no response or satisfactory validation. I'm requesting your help to resolve this matter quickly and effectively.
Product: Credit reporting or other personal consumer reports

I'm frustrated, dissatisfied, and concerned about the situation with my credit report. Despite consistently making on-time payments, there are late payment remarks on some of my accounts. I haven't accrued any late fees, and I urgently need your help to resolve this matter. Please update my credit report to accurately reflect all timely payments, ensuring its complete accuracy.
Product: Checking or savings account

I have an account setup with a company called activehours who provides cash advances. I successfully registered in  XXXX  and have received funds weekly in which they automatically debit acct on paydays. In order for this to work my bank must report my work deposits to the company. Since  XXXX   XXXX  they have not done so, but this process was successful up until now. I have called first midwest bank over and over and no one has helped.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance : {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6400.00} ; DEPT OF EDXXXX XXXX XXXX : {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year 2019, U.S Bank reported me and my wife for being 30 days late on our mortgage during the government shutdown. We filed a complaint here and they eventually sent us an apology stating we shouldn't have been reported. The 30 day late status WAS removed from our credit report but our points were not reinstated. When we were reported, they took approximately 70 points from both me and my wife. After removing the 30 day late status from our credit reports in XXXX, we still haven't seen those points returned to us.
Product: Debt collection

National credit Adjusters made an official statement that they would stop all collection actions and credit reporting until debt could validated. 
They have not stopped reporting wrongfully on my credit reports and when they failed to validate debt they sent me someone else debt with the last name of XXXX. 
All promises kept in writing were not adhered to and now this validates debt is false and violation of FDCPA has officially been proven.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history for the XXXX XXXX XXXX XXXX account is not accurate and incomplete. This account was opened in XX/XX/XXXX, but the payment history is missing from XX/XX/XXXX to XX/XX/XXXX. Also, this account was reported late in XX/XX/XXXX and XX/XX/XXXX, which is inaccurate. Due to a billing error caused by a physical address change, this account was not late in XX/XX/XXXX and was closed on XX/XX/XXXX, making this account closed in XX/XX/XXXX, not late in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still presenting on my Credit Reports and need to deletXXXX immediately : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Medical XXXX Balance : {$680.00}
Product: Mortgage

I am in the receipt of Bank of America Home Loan Regulatory complaints team letter dated XX/XX/2019 for complaint # XXXX that they didn't respond to online. I have an issue with them stating that they sent me correspondence on XX/XX/2019 even though I didn't receive anything from Bank of America until XX/XX/2019 in which I spoke to XXXX XXXX and he sent me an email so that I could send him all documents so that the bank actually process the paperwork since they didn't do it the first time when it was submitted in XX/XX/XXXX. I emailed him all the requested items on XX/XX/XXXX and Mr. XXXX requested even more stuff on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX all answered and sent as many times as requested. I was told the bank had all the paperwork it needed and was sent to the underwriter last week but still was asked for more documents on XX/XX/XXXX and I sent them right away. Bank of America is not treating me fairly or honestly with dealing with this loan. It will be time to sell this house on XX/XX/XXXX and they will still be asking for documents. If I don't qualify for modification then a short sale or other option should be made available and they need to approve a short sale amount. Bank of America is not dealing fairing with me due to the discharge of bankruptcy and the fact that this loan is FHA and insured by HUD so they don't lose as much as I will if we get put out. We will be homeless and the bank will have its cash flow. I want the bank to deal with me fairly and start responding to my request for help and stop saying I haven't sent in paperwork. I have given them everything they could need to do what they need to do and respond fairly.
Product: Credit reporting or other personal consumer reports

About the late payment of XXXX XXXX XXXX. late payment of 30 days amount {$830.00} XXXX account number : XXXX Due to XXXX in the family I was not present in the country and doesn't have any device with me or internet and not autopay. It was first and last payment showing on my credit report. I never ever missed any payment in my history. I paid the late fees and second payment once I got call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there, I really hope you can help me with this issue. I'm not sure who else I can turn to at this point. I called XXXX regarding my issue but they directed me to file a report to Equifax, which I did via the phone in XXXX. However I had not heard back from Equifax. When I checked online, it said that the dispute was completed. But I did not receive any information about it and my credit report did not reflect any changes. 

The content of my dispute was this. 

XXXX last year, I was having a financial hard time due to getting XXXX for XXXX weeks and I couldn't afford to pay even the minimum of my credit cards. That's when I contacted XXXX XXXX XXXX and spoke to an advisor. They advised me to get on a debt management plan and told me that they would negotiate a lower monthly payment for me. I began payments that month and made payments on time ever since. However, on my credit report, it reflects that I have late payments starting in XXXX all the way to XXXX. I was never notified of this until I saw my credit report and was very surprised. Why would I get dinged for late payments going into XXXX even though I was making payments on time? 

Below I attached a statement that proofs that I began making payments in XXXX.
Product: Money transfer, virtual currency, or money service

We put in a complaint about this before. On XX/XX/2021 we had Capital One write a cashier 's check for {$250000.00}. Our mortgage company misplaced the check. Capital One told us they could not put a stop on the check for 90 days. They then put a stop on a cashier 's check for {$250000.00} after they said they could not do this -- without telling us. They will not honor the stopped cashier 's check. They asked us to have our mortgage company fill out an affidavit on the check so we could get our funds back. Our mortgage company did this, and Capital One STILL refuses to give us our money back. 
Capital One responded to the previous complaint ( Capital One CID : XXXX and XXXX CFPB Complaint ID : XXXX and XXXX ) with a series of lies. They claim that the check was stopped on the XXXX -- yet XXXX XXXX could not cash the check on the XXXX. This is impossible and is a lie. They also claim we called on XX/XX/XXXX to stop the check -- but why on earth would we do this after we saw that initially XXXX XXXX put the money in our account on XX/XX/XXXX??? 
Another lie is that the author of our response said we could ask for a stop on the stop payment. But on XX/XX/XXXX, Capital One stated that they could not stop the Stop! 
The letter also states that we will get our money back after 95 days from the date of the check. This would be XXXX XXXX. However, I called and Capital One said they would return the money on XXXX XXXX ( 99 days ). 

XXXX  XXXX -- can the CFPB do something about this criminal behavior? It isn't enough to just forward complaints to the very bank causing the issue ...
Product: Debt collection

I have no agreement nor account with CAINER & WEINER. They are continuing to report to non-affiliated third parties that I owe a debt to them. Ive never gave them permission to report and or communicate on ALL mediums including to non-affiliated third parties they continue to communicate. They are continuing to demean inaccurate information. They are hindering my ability to provide for my family
Product: Payday loan, title loan, or personal loan

I took out a $XXXX  payday loan advance from Advance America on XX/XX/XXXX that was due to be paid back on or before XX/XX/XXXX in the amount of $XXXX.  I called before XX/XX/XXXX to let them know I wouldn't have the money on the due date.  They said they would submit my check electronically by the end of the business date if I didn't come in to pay it.  They submitted my check and my bank charged me $XXXX NSF fee on XX/XX/XXXX.  I put a stop payment on the check to prevent future electronic deductions as I have other monthly bills that are automatically withdrawn from my account.  My bank charged me $XXXX for the stop payment on XX/XX/XXXX.  

Advance America has LITERALLY called my cell phone, my husband's cell phone and our home phone at least 3 times a day and leaving voicemails ever since the day my loan was due (except on Sundays). They've called before XXXX some days, they've called after XXXX some days and called on Saturdays!  Also, they have called my job repeatedly.  After the 4th time of calling my job, I was verbally reprimanded being reminded I'm not to have personal calls.  My position does not require me to receive calls so when the switchboard operator pages me over the intercom, the entire company hears my name being called.  

In XX/XX/XXXX, I finally told the lady who called that I was reprimanded and to please not call my job again and that I would not be able to pay the loan back until after the XX/XX/XXXX.  She asked for a specific date and I told her I couldn't give her one because I didn't know.  I didn't want to lie.  

The calls have still continued to my cell, husband's cell and home number EVERY SINGLE DAY more than once on each.  On XX/XX/XXXX they called my job AGAIN, when the call was transferred and I answered, she didn't apologize for calling me on the job and just stated who she was and to call her on my lunch break.  I said, "sure".  I did not call on my lunch break because there's nothing to say, obviously if I had the money to pay them I would do it.  2 days later, on XX/XX/XXXX they called MY JOB AGAIN but I was in a meeting.  When the operator tried to take a message, they just said they'll call back and chose not to leave a message.

We've also received correspondence from Advance America via USPS reminding us we need to pay and that they submitted the check and it was returned.  They have submitted the check for payment numerous times since XX/XX/XXXX.  I found out on XX/XX/XXXX our bank made a mistake and allowed Advance America to electronically debit $XXXX from our bank account AND my bank charged us $XXXX  for that transaction.  After we were notified online, we called customer service and the matter was resolved and the money and NSF fee were both refunded and our bank apologized saying it was their mistake.  Advance America has become more aggressive since that mistaken transaction on XX/XX/XXXX by calling repeatedly and continually attempting to debit our account for a check we've had a stop payment on since XX/XX/XXXX.  I want them to stop calling my cell, husband's cell, home and my job immediately.
Product: Payday loan, title loan, or personal loan

Sometime early this year I began to receive emails harassing me and threatening to slang my social security and other private information saying I owe for a loan back in 2020 amount which they say I borrowed from the company was {$500.00}. When I ask for the company they cant provide it or any info proven its me. Also I received text messages reading XXXX from XXXX ( XXXX ) XXXX XXXX transactions, for {$1000.00} cIeared on, XX/XX/XXXX. lf this wasn't you, go here XXXX XXXX XXXX but address ends with my phone number when I tap on address it follows by saying ( XXXX XXXX has been beached )