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

Account # XXXX Subject : Request for Investigation into Credit Reporting Inaccuracies Dear CFPB Team, I am writing to bring to your attention an ongoing issue I have encountered with the three major credit bureausXX/XX/XXXX Equifax, and XX/XX/XXXXregarding my XXXX XXXX account. 

Recently, I submitted a letter to the bureaus requesting an investigation into inaccuracies on my credit report associated with this account. XXXX responded, stating they conducted an investigation and verified the account ; however, Equifax and XXXX failed to respond. 

In a follow-up letter, I once again highlighted the inaccuracies I observed, yet the account was verified once more. I am perplexed by how this account could be verified when it contains several significant inaccuracies. Notably, the account is reporting as past due despite being a charged-off account. My understanding is that charged-off accounts should not be reported as past due. Additionally, the account appears to be illegally re-aging itself each month, and the reported date of last activity is incorrect. 

I reached out to XXXX XXXX directly, and the letter I received from them contradicts the information reflected on my credit report. This inconsistency raises concerns about the accuracy and completeness of the information being reported. 

Furthermore, I have learned that all three bureaus are currently facing lawsuits and investigations for failing to conduct proper investigations as mandated by the Fair Credit Reporting Act ( FCRA ). Under the FCRA, it is the responsibility of the credit bureaus to report complete and accurate information. 

In light of these issues, I have also filed a report with the Federal Trade Commission ( FTC ) regarding potential fraud and the deliberate reporting of inaccurate information by these bureaus. 

I kindly request that the CFPB look into this matter and provide guidance on how I can ensure that my rights are upheld and my credit report accurately reflects my financial history. Your assistance in addressing this issue would be greatly appreciated. 

I will attach the letter from XXXX XXXX & all of my correspondence with the bureaus to this letter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Discover has inadequately handled my dispute and is making unreasonable requests. 

1. Dispute # XXXX, {$140.00} On XX/XX/XXXX, I opened a dispute concerning an item I returned but did not receive a refund for. I provided the merchant 's return instructions and proof of delivery, including the XXXX return tracking number. Despite this, Discover closed my case when the merchant submitted evidence of refunds for other items in the same order, without contacting me for additional documentation. When I spoke with a Discover Customer Service supervisor on XX/XX/XXXX, I was informed that a return proof with the full address and a refund agreement from the merchant were required. My concerns are as follows : If the full address on the return proof is essential, why didn't the Discover Dispute Team contact me before closing my case? Additionally, given that I already submitted the merchant 's return instructions with tracking information, why is an additional return and refund agreement necessary? If I could obtain such an agreement, I would not have needed to open a dispute with Discover Bank. The supervisor simply stated that neither she nor Discover could help their client and suggested I seek alternative solutions. Rather than assisting me or questioning the merchant about the lack of refund after the timely return of the item, the supervisor exacerbated the situation. 

2. Dispute # XXXX, {$49.00} I initiated this dispute due to an unrecognized charge, as the merchant charged me again for an item that I had returned and received a refund for. I provided proof of the in-person return drop-off confirmation. However, it seems that the Discover Dispute Case Manager did not thoroughly examine the documents I submitted and closed the case prematurely upon receiving irrelevant information from the merchant.
Product: Mortgage

CNC Mortgage LLC ( NMLS ID : XXXX ) pulled my credit as a hard inquiry without my consent. I never completed an application with them. I started an application on XX/XX/2021 and filled in some of the information before deciding to not continue with the application. I received an email on the XX/XX/XXXX asking me to finish my application, which I did not do. I received an email again on the XX/XX/XXXX asking me to finish my application, which I did not do. I never fully completed the application, nor did I ever click the button on their site that provides authorization for them to access my credit report. On the XX/XX/XXXX I received notification of a hard inquiry for my XXXX credit report and an email of pre-approval. All communication was sent by XXXX XXXX ( NMLS ID : XXXX ) from XXXX. I never submitted pay stubs, or bank financial information, no proof of income. I now also received a hard inquiry from XXXX on the XX/XX/XXXX. The actions of this company were predatory and extremely unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my consumer report and established these accounts was furnished by your company on my consumer reports. These accounts listed these companies as the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602a. States that I have the right to privacy.

15 u.s.c 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

XX/XX/2019 I was supposed to be reissued a cashier 's check of my remaining balance in my account with bank of America. They had mailed me a cashier 's check after 3 years of fighting with them over it. I contacted the OTC, and in doing so was approved for my money. Bank of America sent my cashier 's check to the wrong address. So I then had to wait the 90 days and yet I still have not received my money.
Product: Credit reporting or other personal consumer reports

I noticed this problem on XXXX, XXXX Hard Inquiries Inquiry name : XXXX XXXX Inquiry date : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXXXXXX date : XXXX, XXXX XXXX Inquiry name : XXXX XXXX XXXX XXXX date : XX/XX/XXXX Inquiry name : XXXX XXXX date : XX/XX/XXXX XXXX, Experian.
Product: Mortgage

I signed with PHH Mortgage Services to re-finance my VA mortgage in XX/XX/XXXX for a 2.5 % interest rate, PHH failed to complete actions to ensure the re-finance rate lock would expire. Once the rate lock expired PHH practiced a bait and switch tactic to lock me into 3.25 % interest rate, the same interest rate as my current mortgage loan. 

Throughout the 6 month re-finance process I was assured we would be closing with a week or two multiple times between XXXX and XX/XX/XXXX and was informed 4 days prior to the rate expiration there was still a month worth of closing actions PHH still needed to complete. 

PHH told me I needed to re-apply for the re-finance at a 3.75 % ( half a percentage above my current mortgage ), but their manager would lower the rate to 2.5 % after I re-applied. After I signed in good faith at 3.75 %, they told me they could only honor 3.25 %. 

I then realized this was a bait and switch tactic where PHH willfully expired the re-finance interest rate lock to perform an unfair predatory lending tactic. Members of the PHH team I was working with even nullified each reason why PHH stated they were unable to close with in the required time. Upon submitting a formal complaint to the PHH Research Department ( who confirmed they received the fax on XXXX XX/XX/XXXX XXXX no response was received with in the allotted 10 business days.
Product: Checking or savings account

The Bank ( Wells Fargo ) claimed they lost my home address from their system/file and blocked all my online transactions. After keeping me on the phone for an hour and half, they told me I have to go to a physical location 20 miles away. I wasted half a day in getting this resolved for an error committed by the Bank. Bank is not providing the cause and I am concerned about my personal information not being handled in safe manner. 

Date : XX/XX/2020 Action : I was attempting to use Express Send / Money Transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern- Im writing to dispute a charge made to my XXXX credit card after the card was canceled. On XXXX XXXX, XXXX, I called and canceled my XXXX, which held a {$0.00} balance. On XXXX XXXX, a XXXX charge of {$2.00} was processed on my card. I was completely unaware of this charge until XXXX. XXXX, when a lending agency pulled our credit report, which showed late payments and my account had been sent to collections. I had not received one billing statement between XXXX and XXXX, notifying me of an outstanding balance or late fees. As my credit card history shows, I paid my credit card off monthly and had been in good standing with XXXX. 

After learning of the overdue balance, I paid my balance of {$3.00} in XX/XX/XXXX, and XXXX  waived the late fees because XXXX agreed that the error was theirs and they waived all fees and penalties. They also agreed at that time to fix it with the credit bureaus. However, the delinquency charges remain on my credit report. I found this out when I was refinancing my home and had to pay over a thousand dollars in points to get the rate I should have received because of my now bad credit. We spoke with the XXXX credit department, billing disputes department, and even resolution managers from XXXX. On XX/XX/XXXX, we spoke with a resolutions manager who agreed to remove the delinquency charges from the account since the charge was processed after the card had been closed. She said this information would be reported to the credit bureau on the evening of XX/XX/XXXX and that we would receive a letter in 7-10 business days notifying us of the changes. On XX/XX/XXXX, we called XXXX  to follow up. After speaking with several customer service representatives, we were transferred to XXXX, a Resolutions Manager in Nevada, who then told us that the delinquency charges would remained on the account and that a letter had not been sent and they would not be helping us fix this because they had not made a mistake. We were informed that we should write a letter but that they would likely not do anything different and the fault was ours for not checking on the account. An account that had been closed with a {$0.00} balance. 

Im asking you to remove the delinquency charges from my account and report this information to the credit bureau for three reasons : 1 ) The charge was made after the account had been closed. 
2 ) We did not receive a billing statement or email notifying us of these charges. 
3 ) A XXXX  manager already agreed to make these changes and then failed to do so.
Product: Mortgage

I have a mortgage that is serviced by XXXX Bank. In XX/XX/2021 there was a freeze inTexas due to power outages. We have been trying to restore our house and move back in. Every check given to us by the insurance company has been meet with resistance by the Loss Draft Department within XXXX Bank. Needing the Insurance adjusters claim information, inspections, delays in receiving funds while they held them, requiring numerous calls to the Loss Draft Department and being on hold for 20-30 minutes before speaking with someone ( calls usually lasting 45 minutes to an hour ).

The last check received by the insurance company to finalize the construction has been held by the Loss Draft department for over 2 months. I have made 5 phone calls, again on the phone for hours, to hear they were releasing the funds and the monies never being released. In the interim I've had numerous contractors threatening liens on my property. i've elevated my dismay to the supervisors and now upper management. 

While I'm writing this, I've been on the phone with them for over an hour. IF I HAVE RESOLVE, THIS NEEDS TO BE STOPED AND THEY SHOULD BE REPRIMANDED FOR THEIR ACTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a disputed debt with  XXXX  financial that appears on my Experian Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed. Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act. Regardless of this,  XXXX  is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer. Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client. This is complete abuse of the credit bureaus, inaccurate reporting and holding credit reporti ng hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late.If proof can't be provided I demand these payments be updated to on time as should be as I was NEVER late. Thanks. 

Update the account to paid on time and never late. Or remove it from my consumer report
Product: Credit card or prepaid card

I was approved initially for a {$1200.00} limit through Synchony bank. I made a purchase of {$140.00}, which I planned to pay off to boost my credit. AFTER I already had made the purchase I received a letter saying my balance was decreased {$1000.00} down to a {$200.00} total balance. I had already made a purchase on the card and therefore my utilization on my credit report increased to 51 % and my credit score dropped 22 points. I never would have made the purchase if I had known this was going to happen. I contacted the company with no help. I feel as if Ive been scammed and now Im stuck paying this off and my credit has been ruined.
Product: Mortgage

We have an inaccurateXX/XX/XXXX lien on our house. 
We reached out to the original servicer SHELLPOINT for the release of the lien and never got a response so we filed a complaint with CFPB and was told that SLS servicing on XX/XX/XXXX purchased the loan and it was then recoded to an unsecured lien status. Shellpoint, SLS and NewRez were merged in XX/XX/XXXX so they should be responsible for the release of lien on the home as it was an UNSECURED LIEN and should no longer have been a secured lien as of XXXX when when SLS purchased it and SLS is owned by Shellpoint.

We were told by Shellpoint that our unsecured lien was purchased by XXXX XXXX in XXXX of XXXX. 
We now can not find any XXXX XXXX address or contact. I called any number I could find online and left 8+ messages and never heard back along with emails sent to the only email address I could find for XXXX XXXX. 
I spoke with our real estate lawyer and they advised we reach out AGAIN to the CFPB in regards to the inaccurate information as SHELLPOINT/SLS/NewRez would be the release of lien holder as they held the loan when it was recoded to unsecure and SOL had run out .

We are now in a situation that if this is not provided, we will have to resort to a law suit as this has taken a ton of time, missed money and stress due to inaccurate information from Shellpoint.
Product: Debt collection

We received a bill in the mail from Transworld Systems INC that states a balance of {$72.00} has been placed with them by     XXXX   XXXX   XXXX   XXXX   XXXX     The bill is dated  XXXX / XXXX / 17  however we received a week later. We never never received an original notice of any bill directly from the  XXXX    XXXX   XXXX   and there is no itemization of what the original bill amount was, and if there is a surcharge that is being added to the amount. Within the letter it even states " If you have an income tax refund, perhaps you can use the proceeds to pay this amount. '' We have received no proof of any original bill and have no idea how any debt is being charged and for what reason. We have never had the  XXXX    XXXX   XXXX   come to our home for any reason and do not believe this debt is valid, and  may  be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was 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 TransUnion was XX/XX/XXXX, 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 proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX
Product: Student loan

While at   XXXX   XXXX   XXXX   a student loan I had received from  Wells Fargo went into rep ayment. This would have been in  XXXX , I found out about this in   XXXX   when access to cellphones was authorized. As a result, negative reporting was made to the credit bureaus. Because my  credit score is so young, this reporting dropped my credit score o ver  XXXX  points. It should be noted that immediately upon return home, a payment was made in excess to what was required.   There 's  XXXX  areas of question : I was under military orders during the time of repayment and had no prior indication this loan would go into repayment during that period.    XXXX , the loan should not have gone into repayment during that period. I graduated   XXXX   XXXX   XXXX     with a  XXXX  year  XXXX . in Physics. According to the loan request/credit agreement I signed with  Wells Fargo, the repayment period starts immediately after the interim period which is defined by : " a ) 6 months after I cease to be enrolled at school, unless I re-enroll in another school eligible under Title IV of the Higher Education Act or another eligible school approved by you within that 6 month period ; or b ) 4 years   after the date of my first disbursement if I am enrolled in a two-year program of study ; or c ) 7 years after the date of my first disbursement if I am enrolled in a four-year program of study. '' According to this article, my loan should   have never have been in repayment, because I would have 6 months of interim from my graduation date. All of my federal student loans followed this.
Wells Fargo states the because the type of loan I received is for " career and community coll  eges '', this puts the repayment status as on for a  XXXX  year program. However, this is not what the agreement I signed says.   In summary, I received negative reporting on my credit report from a private student loan with  Wells Fargo, while on   XXXX   XXXX  , during a repayment period which should have been an interim period as stated by the loan agreement. I feel that Wells Fargo is practicing unfair lending, and doing anything to protect themselves from having acted wrongfully.I have no problems repaying the loan, the only action I wish to accomplish is the negative reporting taken off my credit report. I 'm not able to effectively manage my finances before my next report date due to this significant drop in my credit score. I am able to provided as much documentation as needed to support my case.
Product: Prepaid card

I have been calling Rushcard for 4 days in a row in regards to not being able to access my money. I am either told the problem will be fixed in 1 business day, which it is not. Or put on hold when I ask for a supervisor and no one comes to the phone and I end up giving up after XXXX40 minutes on hold. I have bills that are now late and being charge late fee etc. I asked to be transferred to a representative in the United States and they advised they could not do that, which I thought was some sort of law.
Product: Debt collection

IQ data is trying to collect from me a balance owed by someone I do not even know. I asked for months for proof of debt and when it was finally received today it showed the name " XXXX XXXX '' a different unit number and different dates from when the apartment was lived in. 

I overpaid XXXX XXXX apartments and they ended up refunding me. They stated I owe them nothing, as I was overpaid when I moved out. 

XXXX XXXX XXXX were also paid in full. The apartment was in perfect condition upon move out and the dates listed on the form I was sent are not even in line with when I lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ripped me off and mislead me. They told me that the total program cost would be $XXXX,XXXX. I was also told that the program would offer a certificate for educational leadership. The school purposely prolonged my program. There is a balance of $XXXXXXXX,XXXX currently on my report from this school. I do not owe this amount. As a single XXXX, I would never borrow this type of money. I could have gone to XXXX XXXX XXXX or even XXXX and not have this balance. I am not able to get a home loan because of this fradulent debt. This scam school closed down. I want this debt to be forgiven...now!
Product: Debt collection

I am XXXX here in KS ... was curious about this ( 'Home Advisor ' ) contr. job referral service so I started to go thru their 'registration-process ' they termed it ) gave them personal info and ( banking info ) BUT never got to terms ' to finalize this because the AMOUNTS of these services were not finalized ... next thing ( on a Sat. ) they had already DEBITED my checking acct. for {$360.00}. ( actual XXXX plus added fees now ) I tried in vain ... to contact them about resolving this dispute BUT they informed me it was " out of their hands & turned over to a collect. agcy. )
Product: Debt collection

I have sent multiple affidavits to let this company know, I don't owe them anything and that we have no contract together.

Per the FCRA as a Federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given written unwritten, verbal and non-verbal. 15 USC 6802 -6805. Effective immediately and indefinitely.