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

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

Capital One allowed charges to be made on my close credit account of {$14.00} after sending two statements with a XXXX balance. I reconfirmed with the agents over the phone to confirm the amount and made an extra XXXX XXXX payment when I closed all my accounts on XXXX XXXX2017. Now suddenly they claimed they missed a charge but did not catch it until weeks later in the XXXX statement. I only paid the amount so I will not be charge any other fees while I dispute the transaction. I informed the agent that I am disputing the charges. Again I am told this account is closed with no outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

THERE ARE TWO ACCOUNTS ON MY REPORT IN WHICH SHOULD NOT BE THERE. 
- XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 XXXX XXXX XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 BOTH ACCOUNTS ARE CLOSED BUT SHOUD NOT BE ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$12000.00}. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}
Product: Debt collection

On XX/XX/XXXX, I came home to a packet of documents taped on my front screen door. This notice was an appear in court for a debt notice. In this notice, front page, disclosed the creditors I supposedly owed and the amount of money I supposedly owed. Taped in the open on my front door. For my spouse, neighbors and anyone who came to my door to see. The subsequent pages in the packet contained each affidavit of the debts including name of the places I supposedly owed and amount of money with account number. Exposed for all to see including my spouse. 
This was also the first notice I received from the debt collector about these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In relation to CFPB complaint ID : XXXX. This agency incorrectly conducted their investigation into my initial dispute and therefore did not address a violation of the FCRA and FDCPA. My initial dispute was the DATE OF FIRST DELINQUENCY the agency investigated the DATE OF LAST ACTIVITY. These are NOT the same thing. I have provided documented proof that the DATE OF FIRST DELINQUENCY was changed by XXXX XXXX. Under law this date should NEVER change. COMPANY RESPONSE : " This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. '' INITIAL COMPLAINT : " re-aged account. date of delinquency changed on consumer reports ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : you are illegally reporting inaccurate information on my credit report under the FCRA and XXXX @ you are not following there guild lines .enclosed are the illegal documents you are reporting
Product: Debt collection

I contacted Solomon & Solomon about debt and issues they were nasty told me they passed the debt off in XXXX and just now closing it.in XXXX they advised me that it will come off in 45 days I told them both has dropped my credit score.they stated it has nothing to do with us.the lady was very rude and they refused to delete the information until they decided to and it wont come off my report until XXXX at the earliest.which is hurting my mortgage financing
Product: Mortgage

I have never received worse customer service from a company than I have received from Amerihome Mortgage Company LLC. Been dealing with an error ( their mistake, they did finally admit that ) in my escrow related to property taxes. The taxes are all paid and the escrow account is back to where it should be, but they have been jerking me around since XX/XX/2018 in regards to fixing my payment. Ive talked to every supervisor in the building it seems but they are the most inept people Ive ever had the displeasure of dealing with. The worst part is I dont have a choice, they bought my loan from the original provider, so Im stuck with them. Just this week they have agreed to accept payment in the amount of the original payment, but then charged me a fee for processing the payment over the phone. They would not provide contact info for a supervisor over the first level and purposely refused to offer me the chance to take a customer service survey at the end of the call ( even though they always asked in the past ). In the beginning I was annoyed but everything was working out exactly like they said it was going to so I wasnt worried, now ... Im just angry. I dont wish any harm on anyone, but I swear I hope their building burns down and the company goes out of business. Useless wastes of oxygen, the lot of them. Still waiting as they say it wont be fixed until XX/XX/XXXX ... .4 months since this started ... through no fault of my own. So if you have a choice, go elsewhere ... if youre like me and dont have a choice ... XXXX for mercy I guess, what else can you do?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was sent police report still reporting on credit they took it off put it back on cra violation XXXX breach cost me my life
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I didnt fill out another application with these companies and they already had an account with my name opened. This is getting outta hand with the understanding of what these companies have done. I called to fix issues not do another hard pull
Product: Student loan

There are 12 qualifying payments missing from my public service loan forgiveness ( PSLF ) from XX/XX/XXXX to XX/XX/XXXX. I have attached a letter from FedLoan Servicing stating that I have 40 qualifying payments from this time period. During this period, my loans were serviced by other companies ( XXXX, then XXXX ). I am including documentation of all my payments during this time period. I made a total of 52 payments in that date range so 12 are missing. I have regularly submitted employment certification forms during this time period. 

I have called FedLoans several times about this to ask for a recount of my qualifying payments. Several months ago they stated that the recount was complete and determined that the 12 payments did not actually qualify. I called back in XX/XX/XXXX and asked for a recount again and they said a recount had not been completed and they would request one. I called again and they said it should be complete in 2 weeks. I called on XX/XX/XXXX and they said that the recount request had not been started yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because XXXX XXXX XXXX  XXXX is reporting unfair information on my consumer report. This is a violation of 15 USC 1681 ( a ) ( a ) Accuracy and fairness of credit reporting.

The Congress makes the following findings : 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. This student loan is reporting 30 60 90 days late and student loan repayments are paused because [ Biden Student Loan Forgiveness ] is in litigation. Payments are paused until 60 days after XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked to have this account removed. Your negligence has once again violated my consumer rights. This account was charged off in XX/XX/XXXX. If so, why is there a balance and a past due reporting. The account can only be charged off once, Experian is repeatedly reporting charge-offs ( CO ) monthly. On XXXX and XXXX, the account has been removed. In XXXX, there was a XXXX accepted by the XXXX. Per the XXXX  publication XXXX, a charge off is a certificate of indebtness also known as income. That means the charge off amount is income I had to report on my tax return. Therefore, this account is now a violation, illegal and inaccurate information. Income CAN NOT be reported on a consumer credit file. This account has been deleted XXXX XXXX and XXXX. I am demanding a deletion of the following account : Bank XXXX XXXX Account XXXX : XXXX
Product: Mortgage

Please direct Wells Fargo to give me my portion of the XXXX  CFPB {$3.00} XXXX XXXX & the name of the law firm handling the money to send to victims of Wells Fargo Wells Fargo never offered me a Modification I submitted XXXX + modification applications. 
& kept me and my mortgage in default for XXXX  years. 
Wells Fargo has placed my mortgage payments in suspense and corporate accounts where it disappeared.
Product: Mortgage

New Rez LLC mortgage servicing took over from my previous company, XXXX XXXX  last fall. The insurance payment from escrow was due XX/XX/21 and has yet to be paid. My XXXX XXXX representative, XXXX XXXX of XXXX XXXX, AZ has faxed them a bill and also called, to no avail. They gave me over a month 's grace period and yesterday I paid the insurance to keep it current. It is now over 5 weeks since this process started and still New Rez hasn't responded. I have my mortgage payment on automatic payment and have not missed a payment. They are regularly collecting the escrow but are not dispersing it. I don ; 't know yet of they have paid any taxes or that will also fall to me. This can not be legal or ethical, to collect escrow and not disperse it. 

New Rez : XXXX XXXX XXXX, XXXX, MI XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX.
Product: Credit card

A person claiming to be a representative of XXXX contacted me saying that someone was using my XXXX account to commit fraud. They said in order to prove my identity I needed to do some transactions using my Wells Fargo credit card. The representative had me transfer {$8000.00} from my credit card to my checking account then transfer {$4900.00} to XXXX XXXX in order to transfer to different bank account. I transferred the {$4900.00} to the anonymous bank account using XXXX  XXXX. When the representative kept on insisting I make more transactions I grew suspicious and I hung up on them. 

When I called Wells Fargo to report that I got scammed the fraud claim representative gas lighted me and basically called me XXXX for getting scammed. I canceled my credit card and the checking account I used that tonight. I eventually put in a claim saying I got scammed and I shouldn't be responsible for the money that I transferred to the scammer. Wells Fargo is denying my claim because they say they couldn't get their money back from XXXX thus I am responsible for the money I transferred on behalf of the scammer.
Product: Checking or savings account

XX/XX/XXXX. I notified PNC BANK of a unauthorized transaction that occurred on XX/XX/XXXX for the amount {$450.00}. The total amount disputed was {$690.00}. 
I assumed my dispute would resolve accordingly and would be refunded my {$450.00}. 
On XX/XX/XXXX, I received a investigation completion notice, Stating " As noted in our Consumer Electronic Funds Transfer Disclosure Statement, we must receive your notification no later than 60 days after we sent the first statement on which the unauthorized transaction ( XXXX ) appeared. We've investigated your claim and determined you didn't notify us in a timely manner. 
You'll be held liable for the disputed transaction ( XXXX ) that occurred later than the timeframe referenced above. 
The provisional ( temporary ) credit in the amount of XXXX, as well as any related fee refunds previously credited to your account, will be reversed on XX/XX/XXXX. '' On XX/XX/XXXX, I revisited my PNC bank dispute and noticed and error has occurred. My reoccurring phone bill of {$27.00} dating back to XX/XX/XXXX would interfere with my dispute of {$450.00}. 
I have contacted PNC to rectify the issue but PNC ( XXXX - XXXX Retail support department ) state there is nothing she can do. My dispute is pass the 60 timeframe and I can not undo Disputes. I explained that I am being held liable for an unauthorized transaction and I did notify PNC of the issue back in XX/XX/XXXX. 
I will have to escalate my dispute to consumer protection.
Product: Debt collection

IC systems contacted me once about an alleged bill with some tv company. I know this debt is not mine, they may have me confused with my ex wife, so I explained this debt was not mine and asked for validation of this debt through a letter. No debt validation was sent nor any proof this debt as being mine. I now have this collection showing on my credit files which is completely unacceptable. This collection must be removed from my credit files immediately. IC systems has a poor BBB rating, multiple complaints for illegal and harassing collection tactics, and is listed on watch lists monitoring fraudulent and scam debt collection. I will be filing a complaint with the BBB and state attorney general 's office immediately as well.
Product: Credit reporting or other personal consumer reports

There exists multiple documented late payments on my credit report that appear to be fraudulent and inaccurate. I would like for my credit report to be updated and correctly reflect no missed payments ever on this account. The error shows on all three of my credit bureau reports as Flagstar Bank.
Product: Mortgage

I have tried for the past month to get Mr. Cooper formerly Seterus to  remove the PMI from my account. I have requested in writing and inform them my balance is within the equired 20 %. A representative continues to inform me that I must call them and not request a written document. I have informed them in writing that I am currently offshore and due to COVID-19 unable to make such a call due to cell phone hacking. 

It has come to another month 's payment and I have not received an adjustment notice as to date. 

I was also informed that I would need to pay {$150.00} for an appraisal. I am fine with the appraisal, although it has been determined that I am within the required amount and due to COVID-19 all appraisals are being conducted remotely.
Product: Checking or savings account

I went to a Bank of America which I have been banking with since XXXX to purchase a cashier check for {$10000.00} to pay toward down payment for my home, to my greatest surprise the cashier and a XXXX  lady names XXXX, who is the banking floor operation manager I guess just put an hold on my account for no reason, Then after I sat her down with her to ask her several questions and if purchasing a cashier check for {$10000.00} from my personal account was a crime, she wasnt able to answer any of my questions all she kept repeating was review at first I did noting wrong why are you putting an hold and reviewing my account, then after I heard her saying to one of there staffs and the security guy, his an XXXX  and his XXXX this happens this afternoon on XX/XX/XXXX, at the Bank of America ( XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ), am still very much sad, shocked and I feel so humiliated and depressed that I was treated so bad by someone who get paid from my money I saved into the back for being a very loyal and committed customer to Bank of America, it's time we all stop bank bullying and XXXX attack on XXXX and XXXX. # bankofamerica Name- XXXX XXXX Phone number - XXXX Email - XXXX XXXX
Product: Debt collection

DNF Associates placed a collection account, for the original creditor of XXXX XXXX XXXX, on my credit reports on or around XX/XX/2023, in the amount of {$5600.00}. Prior to this item being placed on my credit report, I had not received any contact from DNF Associates -- no phone call, no postal mail message, no email, nothing. In short, I was not made aware of this debt by DNF Associates as required by the FDCPA and FCRA. DNF Associates did not ever provide me with a notification of this debt, a debt validation letter, nor an opportunity to dispute this debt, as is required by law of DNF Associates. If DNF Associates has proof that they attempted to contact me and have sent me all required notifications and opportunities to dispute this debt, I welcome them to supply it in their response to your office. DNF Associates is also not a licensed debt collector in Washington state, as is required of them to collect debts from Washington state residents.
Product: Credit card

My customer use credit card to make a purchase on XXXX XX/XX/year>. The payment was held by Fiserv for 23 days ( up to my complain date XXXX XX/XX/year> ) and nobody in Fiserv is giving me answer on when will they transfer the money back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX paid in full and agreed to removal from all 3 credit bureaus. XXXX XXXX charged off but reporting twice XXXX paid in full never late agreed to removal from all 3 credit bureaus.
Product: Debt collection

I have told this company several times to stop contacting me. They are continuously calling me about a deb that is over 12 years old. They insist they can still keep calling me. The even had the nerve to harass me on XX/XX/XXXX. I told them the first time to stop harassing me and they told me it is not harassment. I will not continue to be harassed nor bullied by this company. My cell phone provider even considers them scammers and it automatically blocks the call and sends it to voice mail. I told them the debt is too old and to stop calling about it. I also told them I would be reporting them to The FTC and the representative did not seem to care I would be doing it and also stated that they can and will still pursue this ancient debt. I am a XXXX woman and I have a lot of problems. I do not need to be upset constantly by these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX FKA XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Prepaid card

On XX/XX/year>, I called the number on the gift card and followed their instructions to send a letter with the enclosures mentioned to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The company still has not responded and it's been over 30 days. They have essentially stolen {$100.00} from our family. 

Cardholder Services : My brother gave this XXXX XXXX XXXX to my XXXX, NAME REMOVED, for XXXX. She is a XXXX. She attempted to use this gift card it to make a purchase on XXXX. For whatever reason, XXXX treated the gift card as though it was fraud and did not charge the purchase to this gift card. Instead XXXX charged my husbands default payment method. Now the gift card has been inactivated and our family is at a loss of the {$100.00} my brother paid for the gift card. 

Attached are images of the gift card, the XXXX transaction information, and my Drivers License. 

Please re-activate and register this gift card to my name and address above, send me a new card worth {$100.00}, or refund our familys purchase of this gift card via check made payable to me, delivered to my address above.
Product: Credit reporting or other personal consumer reports

I'm sending this to inform you that the following companies made unauthorized inquiries on my personal 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 XXXXXX/XX/XXXX
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  : Acc # XXXX, XXXX XXXX : Acc # XXXX, XXXX : Acc # XXXX, XXXX XXXX : Acc # XXXX XXXX, XXXX XXXX XXXX : Acc # XXXX, XXXX XXXX  : Acc # XXXX, XXXX XXXX Acc : # XXXX, XXXX XXXX XXXX : Acc # XXXX, XXXX  : Acc # XXXX, XXXX  XXXX XXXX XXXX Acc # XXXX, XXXX  : Acc # XXXX, XXXX XXXX  XXXX : Acc XXXX XXXX XXXX  : Acc # XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.