23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

i closed my checking account with chase bank that had a {$0.00} balance. i received a bank printed check for the balance and this account was closed! several months later i receive a letter stating my account is negative {$800.00}, well somehow my ssi payment was being direct deposited and this payment which was not stated in my name as im just a representative payee was fraudulently illegally cashed by the corporation and these fees that were made up and came out of nowhere of the {$800.00} was taken out out of this check that was legally cashed by the company. I have called customer support maybe 10 times and wanted answers and the money back and I was rudely hung up on and harassed and called names by the customer service representatives which they failed to give any information name, wise and department, wise and numbers, etc. so one person tells me that they applied this to the account good luck recoup in it and take it how it is is what I was told another person told me that there was only a negative balance of {$400.00} and they still applied the XXXX transaction legally and would send me a check for the remaining balance which they never did and then another person tells me that there is no negative balance. The deposit was rejected and sent back to the government, which is also a lie because Ive spoke with the Social Security administration offices, and they have told me that this check or direct deposit has been initiated and cashed in transferred into their accounts, which is a felony theft that they have Acted upon, and upon being called names, numerous names, and the hatred in the customer service department for not knowing how to do their job I want to prosecute to the fullest extent of the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX student loan accounts that said I was 90 days late on payment in XXXX of 2020. I was never late on payment because I was deferring all of my students loans at the time and it went straight to 90 days late. Ive tried to dispute these accounts and they have been updated to show good standing but that 90 day mark has never went away and its a negative mark on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$440.00} XXXX XXXX  Original XXXX : XXXXXXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing to formally dispute a collection account that has been reported to all credit bureaus by CCS Collections. I previously contacted CCS to contest this collection, providing all relevant documentation to support my case. Unfortunately, CCS disregarded the documentation I submitted and proceeded to share the final bill from XXXX, which has significantly impacted my credit score. 

To clarify the situation, here is a summary of the events : On XX/XX/year>, I received a quote from the XXXX XXXX XXXX XXXX for a XXXX XXXX policy, priced at {$2500.00} for six months. XXXX reviewed my driving history before issuing the policy, and I insured one vehicle under policy number XXXX. 

However, on XX/XX/year>, I received a letter from XXXX notifying me that my premium was being increased by {$10000.00}, raising the total premium to {$12000.00}. When I contacted Progressive for clarification, they cited unknown incidents on my prior policy and requested that I obtain information from my previous insurer, XXXX, to verify whether I was the operator involved in these alleged incidents. 

I promptly gathered and submitted all the requested documentation to Progressive : On XX/XX/year>, I provided my Motor Vehicle Report ( MVR ) from the State of Utah, confirming no incidents. 
On XX/XX/XXXX and XX/XX/year>, I provided correspondence from XXXX confirming that I had no incidents as an operator. 
Despite my timely and thorough compliance, XXXX representatives repeatedly delayed providing a resolution and offered conflicting information. After an additional 710 days, I was advised to contact XXXX, which made it clear that I was being misled. 

Unable to afford the premium increase of over {$2000.00} per month, I canceled my XXXX policy and switched to XXXX XXXX, which charged {$7500.00} less for the same six-month coverage. I later switched to another insurer that charges {$2600.00} for the same coverage. 

Despite providing all necessary documentation to explain the situation, CCS failed to thoroughly investigate my case. Instead, CCS shared the final bill from XXXX and reported the debt to all credit bureaus, which has had a severe negative impact on my credit and caused significant financial hardship for my family. 

I am requesting that CCS immediately remove this erroneous collection account from my credit reports.
Product: Mortgage

To Whom It May Concern : I am writing this complaint letter due to the discriminatory treatment I have received while going through the modification process for this loan. I am a XXXX female living in a majority minority census tract in XXXX, GA. During this modification process, the acts of the servicer ( Select Portfolio Servicing, Inc. ) and investor ( XXXX XXXX XXXXXXXX XXXX have been unfair and deceptive as they will not take a payment from me and have asked for the same information several times and refuse to move the process along despite my providing the requested information each time requested. This has resulted in negative credit reporting, making it even harder to complete the modification. The credit terms of the original loan were predatory and was made prior to the implementation of the Dodd Frank Act. I am requesting that the loan be modified and the servicing practices of the servicer and investor be reviewed and addressed with formal action to mitigate any further discriminatory and unfair practices. I have listed a few of the facts below : Modification process start date : XXXX XXXX separate additional requests for information ( all information was provided ) Notice of completed modification package XXXX XXXX more separate additional requests for information ( all information was provided ) Notice of completed modification package XXXX XXXX more separate additional requests for information Servicer has refused to take a payment during the modification process but is negatively reporting to the credit reporting agencies. I have never missed a payment in the 18 years prior to starting this modification. 
Credit score has declined during the modification process : From XXXX credit score on XX/XX/XXXX to XXXX on XX/XX/XXXX. Decrease of XXXX points. 

I am desperately trying to modify this loan and/or make a payment to ensure I do not lose this home due to foreclosure. The negative credit reporting, due to no fault of my own, is driving down my credit score making it impossible to access credit in the future. I have owned this home for close to 20 years and I am being discriminated against because I am a female living in a XXXX neighborhood. Again, I am requesting that the loan be modified and the servicing practices of the servicer and investor be reviewed and addressed with formal action to mitigate any further discriminatory and unfair practices. 



Servicer : Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Investor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On my credit report it states that my balance with them is {$1100.00}. I NEVER recieved the money, but am being charged {$5.00} a month for something.
Product: Credit reporting or other personal consumer reports

I recently tried opening a bank account and was denied due to reporting by Early Warning Services. These are the negative listings on my report. 
XXXX ) XXXX New York ; XXXX XXXX XXXX New York, XXXXXXXX XXXX  # XXXX / XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX  Routing # : XXXX Account # : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  Routing # : XXXX Account # : XXXX These accounts are fraudulent and are a violation of my rights. I have included an identity theft report # as well as a copy of my drivers license for proof of identity. Also I included scanned copies of the Early Warning XXXXervices Report that includes the false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and good morning!. My name is XXXX XXXX and I'm initiating this complaint due to the fact that two out of the three credit reporting agencies have my credit score greater than XXXX, but Experian has my score at XXXX wrote them a letter requesting that they reevaluate how my score and how it is calculated, but I have not had a response from their company.I find it very disturbing that they can have my score at the lowest, but somehow continue to try and sell me their products.I feel like as a consumer if I dont purchase their products they'll continue to have my score the lowest out of the three credit reporting agencies.I never receive information from XXXX, somewhat from XXXX, but Experian sends me the most and they're the ones that have my score the lowest, this to me is done intentionally to the consumer to force them in some manner to purchase their products to achieve a better score, please look into this for me because I feel that this is wrong on so many levels, and some governmental agency needs to be made aware, thank you for your time and hopefully timely response to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my filing of these complaint is to state that capital one is being un reasonable. I had disputed late payment history of my cap one account ref number : XXXX XXXX XXXX on XX/XX/XXXX. This account was closed on XXXX with late payment around XX/XX/XXXX. I stated clearly to Capital one all the errors from system to bank reporting that occurred that made me not to be able to make payment in time. 

Capital one representative advised me that they make good will adjustments for system error and medical issues. As a result, Capital one requested me to provide proof of my not being able to make my payment. I sent capital one a letter from XXXX XXXX that explains the error and shows I had over {$16000.00} in my bank at the time the payment was due. It was never my intention to be late in paying my obligations with this company. Were it not for the system error, I would have maintained my 100 % credit record. 

But to my surprise, even after providing all the documents that capital one had requested as proof, capital one executive resolutions flatly refused to remove the late payment history, I request the late payment be removed from my payment history as it is adversely affecting my well- being as a US citizen. Attached herewith are : 1. Dispute letter to capital one 2. XXXX XXXX Proof of system error.
Product: Credit reporting or other personal consumer reports

These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. 

Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. 

I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. 

I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. 

In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. 

I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. I am asking for your assistance to remove the following fraudulent items in my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with you And you stated these items to be accurate and verified by the bankruptcy court. I personally contacted the bankruptcy court and they responded with a written statement that they do NOT report any information to creditors or credit bureaus in this case you guys are lying or just not fixing these errors either way you are breaking the law Fcra section 611 15 USC and every inaccurate item reporting should be permanently deleted immediately. 

XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX tried to false include knowing the courts do not report you broke another l : Us Bankruptcy court & XXXX XXXX XXXX XXXX All Accounts included need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is continuing to report false information on with all three credit agencies, I'm not reasonable for any debt or outstanding loan balance or reposition. please remove this reporting immediately from all three credit agencies or legal action will follow. I did give authorization for any to be placed in my name or on my credit profile with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX I was in an abusive relationship I got scammed and I had multiple data preaches where my information was exposed my information was used to look for and obtain loans for cars by scammers who said they were going to help me start a car rental business they kept the cars and got insurance in my name and nothing was paid for my abuser had me open credit cards and different accounts that he said he would pay for and put fake checks in my bank accounts and took the money he stole and control my money and I was unable to pay any of my bills resulting in homeless debt and financial ruin I had to go into a domestic violence shelter in order to get help and get away from my abuser. Also my personal information was exposed in multiple data preaches. The car loans were XXXX XXXX dealer services XX/XX/XXXX in the amount of {$37000.00} XXXX  XXXX XXXX XX/XX/XXXX in the amount of {$37000.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of {$30000.00} XXXX XXXX XX/XX/XXXX in the amount of {$29000.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of XXXX XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$1200.00} capital XXXX XX/XX/XXXX {$4000.00} XXXX  XXXX XX/XX/XXXX {$1000.00} collection for XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XX/XX/XXXX {$770.00} and inquiries to my credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX XXXXE Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX I have been working with a victims advocate XXXX XXXX manager XXXX I filed a police report about the abuse at XXXX police department and XXXX was in XXXX domestic XXXX shelter and I am starting disputes with the creditors
Product: Credit card or prepaid card

XX/XX/2022, filed dispute for XXXX transactions made fraudulently on a lost credit card. Capital one. XXXX out of XXXX merchants responded not challenging the charge backs. Because the XXXX merchant hasn't responded, and according to XXXX the merchant is fraudulent. Capital one will not receive a response from this merchant. My dispute is held up because of a pending response query, that they're not going to get. 

This is ridiculous. I need my money back. My utilization is almost 100 % as a result of these transactions which is negatively affecting my credit score. This is unlawful as part of the FCRA. 
I demand a resolution immediately.
Product: Debt collection

Collection of my VA loan recently changed from XXXX to Carrington. I sent Carrington my check for {$5000.00} with specific instructions that the amount should be applied to my principal. Carrington cashed my check and instead of applying the amount against my principal, they prepaid monthly payments into XXXX to include the prepaying of escrow amounts. I have never been late with a payment against my loan with XXXX and I have already made my first payment to Carrington. I contacted Carrington and they said they would correct the error within 48 hours. Five days later, the amount was still listed on their website as applied against my monthly payment. My principal was not reduced and my non-interest bearing escrow ( for me ) has exceeded the amounts needed yearly. I contacted Carrington a second time and they told me that " these complaints are handled in the order they are received and it will be 30 days before they can solve my problem ''. They are using my money and denying me the reduction in principal. Carrington is handling my VA loan in a disreputable fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is currently reporting a fraudulent account to my credit report that was open without my knowledge or consent. I HAVE SENT POLICE REPORT, FTC IDENTITY THEFT REPORT AND THEY HAVE REFUSED TO REMOVE THIS FRAUDULENT ACCOUNT.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

About 1 year after closing on my home loan, I was invited by certified letter to refinance through the same lender ( Wells Fargo ). I went through the process and provided all of the information requested by the loan officers through a Wells Fargo email portal. At the final stage of the process, they said that the XXXX insurance policy did not meet their requirements. I was confused because my loan had been approved less than a year before for the same property. I explained that I have no control over the XXXX building policy and I asked repeatedly for documentation on what the deficit might be. I was refused any further formal explanation. They continued to demand that I put them in direct contact with my XXXX. They eventually communicated with the XXXX  without my permission, requested that the XXXX  change policies ( on a building with hundreds of units ). The XXXX refused and they immediately denied my refinance loan and deleted all the correspondence in the Wells Fargo email portal.
Product: Credit card or prepaid card

Paid off credit card # XXXX on XX/XX/2023 for XXXX Credit card got shut down even though I was in good standing. 

Paid off second credit card for {$360.00} on XX/XX/2023 and they closed that card also. 

There was the third credit card XXXX that bounced even though I paid that one off and had sufficient funds on XX/XX/2023. It was bounced on XX/XX/2023, even though I had thousands in my bank account. They shut down all three of my cards because of one bounced card that was paid off. Ive been in good standing for all three, yet they decided to shut down three of my cards without notifying me.