23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had a problem with identity theft and reported this information to the credit bureaus. Transunion has removed credit freezes and fraud alerts from my account without even verifying that I was requesting that they be removed which I did not. They have also lied about placing them. When I told them I have the correspondence then the story changed. Transunion does not do their due diligence to insure protection.
Product: Mortgage

I had financed my house in XX/XX/XXXX for XXXX and my house payments were XXXX per month. This was a VA loan, which requires that all taxes be included in the loan. At the end of XX/XX/XXXXI got a large Tax Bill from the MUD and the Independent School District totally around {$6000.00}. At that time I refinanced to pay the taxes and stipulated that the taxes needed to be in the payment. I got a quote with a lower interest rate and the payment was raised to {$1900.00}. I didn't pay much attention until the end of XX/XX/XXXX I got another tax bill for {$2800.00} and {$3300.00} = XXXX I was shocked to see it but I was really surprised that they didn't pay the XX/XX/XXXX tax for the MUD however XXXX XXXX who bought the loan from XXXX XXXX charged me for it. 

In essence I had paid the tax twice by refinancing. The hit is XXXX which should have been paid at closing ... in fact you can not close until all taxes are paid. And then I was charged that much by XXXX XXXX {$5500.00} Has evaporated and talking to first integrity they say the bill hadn't come in before closing, but I had the bill in hand and it was the sole reason I refinanced. 

Their good faith estimate was for XXXX a month and at the end of XX/XX/XXXXXXXX XXXX had moved a fixed mortage payment to XXXX with the tax payment for XX/XX/XXXX added in. I would have never bought the house if I knew the MUD and ISD were so high. I definitely wouldn't have refinanced to pay it. 

The companies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Closing Date XX/XX/XXXX They closed without paying the tax from XXXX XXXX XXXX XXXX XXXX XXXX They then sold the loan to XXXX XXXX The Title Insurance Company may be XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have talked to XXXX XXXX many times, the last few times they stopped returning my phone calls. 

XXXX, which is their agent or title insurance told me they paid the ISD but they didn't have the MUD bill and assumed it had been paid. XXXX XXXX said they cant help me. 

For me this loan was turned over twice without paying the taxes. The VA says that taxes must be included in the payment. The taxes must be paid to close a loan. So I have been defrauded in two different ways and had to sell the house.
Product: Debt collection

In XX/XX/2018, I made a settlement offer with Discover for three payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need Discover Card to finalize my credit report to show XXXX balance, settled.
Product: Money transfer, virtual currency, or money service

I issued a {$50000.00} wire transfer on XX/XX/2018 from my Bank of America account to the company 's XXXX XXXX account. The same day I issued a reversal order because I mistakenly sent the funds to the wrong account. 17 Days later the receiving party was notified by XXXX XXXX of the reversal request. The receiving party consented to the reversal immediately. 45 Days later the funds are not back and there has been no communication from either bank.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX  XXXX - XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

They will not refund the full initial cost of the card nor honor the Terms & Agreement ( T & A ) for the welcome bonus offer portion. 

AMEX offered a welcome promotion bonus offer for their Delta Platinum Card of XXXX points with a spending of {$3000.00} within 90 days. The card initiated a {$190.00} fee as part of the sign up T & A. 

AMEX Admits that this offer was assigned to my account. Spending limit was met within 92 days. The T & A states that the bonus offer will be credited to the account within 6-8 weeks. 

It's been 12 weeks and AMEX took no action to provide the bonus offer until complaint was made. AMEX reports 6-8 weeks requirement for investigation to be completed with no commitment that the original bonus offer will be provided. 

Also told that they will not refund the full amount of the initial {$190.00} fee. Consumer has to wait 18-20 weeks by AMEX estimation for a decision to be made. Under this scenario the consumer would only receive a {$35.00} refund due to the prorate and no bonus offer if AMEX does not award. 

This is deceptive, misleading. They will not refund the full initial cost of the card nor honor the T & A.
Product: Mortgage

SPS is trying to dictate who I have as an authorized 3rd party on my file. SPS can not dictate who I choose to have handle my financial matters, this is not up to SPS this is up to the borrower. SPS must immediately CEASE and DESIST all demands as to who they say I have to authorize for my short sale request. If I do not wish my listing agent to be an authorized 3rd party then they will not be an authorized 3rd party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with Equifax and submitted police reports via mail multiple time as requested and XX/XX/10 the fraudulent inquiries remain on my credit report as a result of the Equifax data breach...
Product: Mortgage

To Whom It May Concern : My name is XXXX XXXX I currently have a mortgage loan with Wells Fargo, due to XXXX I missed some of the mortgage during XXXX and XXXX. Wells Fargo re adjust my loan move the payments to be made at the end of the current schedule mortgage payments and refinance. I want to see if everything in my loan is ok, if I didn't got extra charge and if I did I would like to know if I qualified for the current law suit that Wells Fargo has.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that my auto loan was with XXXX and not TRUIST Bank when I did my lease end buyout with XXXX. Therefore, I did not receive the mailing from TRUIST Bank regarding my loan and did not make payment. I reached out to XXXX several times between XXXX regarding not receiving a bill for my auto loan and was told that it would be coming shortly from XXXX and not TRUIST. The communication was terrible. I also never received official looking documentation from TRUIST Bank or any communication until I contacted TRUIST Bank on XX/XX/XXXX after finally finding out from XXXX that my auto loan was serviced by TRUIST Bank. It was at this time that I explained the situation and made my entire payment in full and set up autopayment. I contacted XXXX and TRUIST Bank on XX/XX/XXXX to discuss and dispute this and my issue was not resolved. I pay all of my bills on time and would have done so if I received proper communication from XXXX and TRUIST Bank. This took over 2 months for me to find out that my load was with TRUIST Bank at which point my account was past due and I did not know about it.
Product: Bank account or service

not to long ago before i moved back home to Florida i closed my account with bank of america. When i decided to reopen an account with another bank such as XXXX XXXX i was told that there was a problem with my account and the problem was that there was fraud on it. A while before that i had lost my wallet while i was still in California and i recently called my old bank ( today XXXX/XXXX/XXXX ) to make a claim about the situation, they told me that i should call the police department and make a report about losing my belongings XX/XX/XXXX. My everything was inside my wallet including my social security card, High school information, my address, and a few I.D pictures of myself and also my online banking information which included my log in info to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiries on my credit reports that i did n't recognized, contacted the XXXX credit bureaus to notify. XXXX kindly accepted the dispute, however had a hard time with XXXX. There is an inquiry from Barclay, from XXXX/XXXX/XXXX. Application ID # XXXX. This does not belong to me.
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the accounts, that I am again writing this letter to dispute the fraudulent accounts on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent accounts on my reoprt and upon submission, XXXX and XXXX removed the said accounts on their records. I also contacted the companies associated with these accounts and they said they have removed the accounts, so my question is : why are the accounts still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I walked a check into the branch. ( Drawn from my home equity line of credit ). They gave me instant credit and said the remainder would be available the XXXX. Upon checking on the XXXX, I see an administrative hold placed on the funds until the XXXX. On the XXXX I checked with the institution the money was drawn from and the money was drawn on the XXXX. I went back to the branch they advised to call customer service/, she couldn't help asked for a supervisor. My question was plain once you guys get the money from the institution that the check was drawn, will the hold be released the supervisor said no. She could not explain to me why if I made a deposit by check and the check was paid why do I have to wait an additional 10 days to receive the funds. I think at the very least the hold should be released once they receive the funds.
Product: Student loan

XX/XX/XXXX Disbursement {$16000.00} - Consolidation of loans to lower my payment amount ( previously under AES with the IBR plan ) XX/XX/XXXX Re-certify IBR documentation and put on forbearance for 3 months XX/XX/XXXX Receive bill for XXXX ( past due ) XX/XX/XXXX Spent several days trying to solve this issue with them over the phone. Then the next even happened and everything seemed to be in motion to lower my payment amount which was quoted to be around {$45.00}. XX/XX/XXXX Payment of {$85.00} ( original amount under XXXX ) to get current. XX/XX/XXXX Payment of {$5.00} forbearance fee which was explained to me over my phone call in XX/XX/XXXX. XX/XX/XXXX Current Payment Due : {$140.00} on XX/XX/XXXX when quoted over the phone of a payment around {$45.00} with IBR ( I believe it was the REPAY plan specially ) The entire reason I signed up for consolidation was to be able to afford my student loan payments. Under XXXX my payment amount has doubled from the previous servicer, my IBR seems to not have taken effect and now my current FedLoan bill is MORE than the original FedLoan bill.
Product: Credit card

I received a bill from Macy 's stating that I had a balance of {$6.00} due on XX/XX/2023 for an account ending in XXXX. I have not used my Macy 's card in years and had a XXXX balance on it. They have begun charging me minimum interest charges even though I have not been using the card and the balance has been paid off. The letter they sent me says there was a balance of {$4.00} that was subject to interest and that they added a {$2.00} " minimum interest charge '' for the balance, but I do not have a balance and I'm not paying a minimum interest charge on money I do not owe. 

I have attempted to rectify the matter with them on XXXX occasions, but their phone lines are all automated and I have waited between 22 and 47 minutes with no one responding to the calls.

The annual interest rate for this card is reported at 31.99 %. The statement also says that the total fees charged in 2023 was {$2.00} and that the total interest charged in 2023 was {$0.00}, so I have no idea where the {$4.00} came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : ALDOUS & Associates Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit card or prepaid card

I have two certificates of deposit with XXXX XXXX I have no credit cards, debit cards, not even an ATM card. On XX/XX/2018, I received a text message on my mobile phone, coming from address XXXX. 

" FreeMsg : XXXX XXXX. Your TJX Rewards Platinum Mastercard acct is past due. This is to collect a debt, info will be used for that purpose. Call XXXX or go to tjxrewards.com. To Opt out reply STOP. '' I checked the phone number shown and the website and these both belong to Synchrony. The card in question is a TJMaxx-branded card of Synchrony. 
Since there is no debt and the message is a fraud even though it is from a real bank, I blocked the number on my phone. Since then I have received 18 calls to my mobile from either the same Synchrony number shown above or from a blocked number, and an additional eight calls from XXXX. A XXXX search revealed that this is also a Synchrony number. I also learned that Synchrony, and its predecessor GE Financial, have been making harassing and phony calls from these numbers for years. 

Of the 26 calls I received, seven left the following identical message : " This is a message from  XXXX XXXX regarding TJX Rewards Platinum Mastercard. Please return our call to XXXX. For faster service visit our website at www.tjxrewards.com. Our mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Again please call XXXX. This is a recording. Thank you. '' I have tried to block the incoming number on my phone but the calls keep coming. The most recent was last night. As with the text, the website and telephone number shown belong to Synchrony. Additionally, the mailing address shown is a Synchrony address, minus the word " XXXX. '' Note 1. On XX/XX/XXXX I sent a letter to the President of Synchrony Financial, parent company of XXXX XXXX. 
Note 2. On a following screen I checked that the credit card has the same address as my home address ; I did this only because your computer would not let me proceed otherwise. I want to emphasize that there is no credit card, no account of any kind with Synchrony or TJMaxx to which I could possibly owe a debt. 
Note 3. The two certificates of deposit are held jointly with my wife. She has not received any communication from Synchrony so I'm not providing any identifying information for her.
Product: Credit reporting or other personal consumer reports

On XXXX I submitted a complaint to this company via CFPB complaint # XXXX and # XXXX. This company is reporting inaccurate information on my consumer report, which is impacting my life negatively. XXXX has deleted Credit Acceptance Corporation from my consumer report and in accordance with the FCRA there must be accuracy and fairness in credit reporting ( 15 USC 1681a ) ; this can be verified via CFPB complaint # XXXX. This item is lawfully required to be removed from ALL of my consumer reports! Expediously! Also, this is in violation of my rights via the Privacy Act of 1974 ( 5 USC 552a ).
Product: Credit reporting or other personal consumer reports

I Disputed an unknown XXXX XXXX XXXX account on TRANSUNION months ago. I believed it had been removed, but XXXX XXXX still shows this fraudulent unknown account. I didn't receive any loan or credit from this company on the date this account was opened. And showed be past 7 years.
Product: Credit card or prepaid card

The last XX/XX/XXXX I went to Sears store for shopping some stuff at XXXX XXXX XXXX XXXX XXXX  Co. XXXX, when check out the balance was {$58.00}. The cashier asked me do you want credit card store. I was thinking maybe its the moment for apply for one card store for build better my credit. I say yes, I notice she was talking a lot, never give me the right information, just talking about the offers. I sign some documents but I notice doubles papers, I asked her DONT PULL UP MY CREDIT TWICE, she answer me no, just once very softly. After two weeks I received two letters, with two different reference numbers, in this moment I was so upset, I went to the store, I spoke with XXXX, she tell me the general store manager is no in the store for one week well I spoke with her about this problem. XXXX says they cant do anything, but I say the problem come from the shop worker and she offer a letter never received. This is not fair because take me long time to build my credit for just this inappropriate practices from the cashier ; she was just thinking in the commission she was received but never thinking how affect my credit. I never authorize two applications for credit card, please I need your help, I dont want to lose many point just for one person how just thinking in the money, she will receive for the credit card application.

Thanks XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( account # XXXX ) with ( XXXXXXXX XXXX XXXX XXXX XXXX ) was deleted from my crdit report. 

I have now realized that this same item was REINSETED onto my credit report! 

In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( B ) Requirements RELATING To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer, If any information that has been deleted from a consumer`s file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the Reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency I have received no such Notification, this is a serious violation of the FCRAAND I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately DELETE this account from my credit report in order to avoid legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX