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

Hello my name is XXXX XXXX XXXX XXXX and i am personally writing this complaint under distress that the credit bureaus XXXX, XXXX XXXX EQUIFAX, are reporting negative accounts on my credit report that i di not consent of and this is hurting my credit score. I have tried to call and mail to resolve this issue with the reporting agencies and they refuse to help me. I am looking to buy a new home for my family and this credit score is hindering me from doing so, thanks to these improper reporting and inaccurate accounts. I need help and i ask PLEASE help me as i feel unsafe and unable to grow. They are not verifying or presenting documentations to prove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Documents uploaded on XX/XX/XXXX to show proof of income for plan Sent email on XX/XX/XXXX to inquire on status of loan due to no updates. Was supposed to be contacted within 15 business days XX/XX/XXXX message was finally responded to saying my documents are still being processed. 
It has been 3 months to process proof that was asked from me. Loan was in forbearance then active, accrued interest then set to forbearance again. This is fraud as I am providing documentation yet they are unable to process within the time frame that they are putting my loan in Forbearance
Product: Credit reporting or other personal consumer reports

A letter was written to all the credit agencies explaining and referencing the Fair Credit Reporting Act of the improper use of my credit report which is attached and explains everything. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

A late payment has been added to my account erroneously. I checked my credit report recently and it even says that I have a 30 day late XXXX & XX/XX/2022. How can that be on an acct thats been closed since XXXX. 
Please see attached document about XXXX XXXX XXXX
Product: Checking or savings account

Usaa Bank has taken fund from my account that was never credited from a fraud dispute. My account was hacked and XXXX  XXXX  was used. Usaa owes my {$68.00}. They never credited the account for the amount but deducted stating it was
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt on my credit file that I do not owe. I refinanced this account back in 2016 to XXXX XXXX. They are reporting a past due balance along with lates. I was never late on this account. XXXX  XXXX  is in violation of FCRA. and needs to report correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX  XXXX XXXX Balance {$2900.00} Unknown XXXX Balance {$130.00}
Product: Mortgage

The mortgage company, Homebridge Financial Services was the originator of the initial mortgage of my home in XXXX. In the interim, Homebridge sold the loan to XXXX XXXX. During Covid, my business decreased significantly which later resulted me to go into a forebearance program with my mortgage. In the summer of XXXX, the forebearance period ended which then meant that I had to resume mortgage payments. I then turned to Homebridge since they were the originators of my mortgage and applied to refinance my mortgage to lower my interest rate and term. The mortgage was a bank statement loan being that I am self employed. From XX/XX/XXXX to XX/XX/XXXX, the mortgage has yet to be approved. The original loan XXXX caught XXXX which then introduced his supervisor, the loan manager to oversee the file. It has been over 8 months that this loan application has been dragged and mislead. Every week, there's been a request to submit a document, pay down a credit card, but now once until last week did we hear that there are no longer unconventional loans being approved. I'm submitting this complaint of the deception that Homebridge Financial has engaged. Their promises that the loan was going to be approved was absolutely false. I was convinced that the loan manager was experienced and truthful so much that I didn't pursue other lenders. ( why would I pursue any other lenders since Homebridge already had my history ) For the last 8 months, I had to pay a high monthly mortgage payment of {$4400.00} that I couldn't afford thinking that this month would be the last. Homebridge was 99 % sure that the loan would be approved but it was never submitted to underwriting. This is why I know I was wrongfully advised and deceived. This week I approached 2 lenders and submitted my tax documents for them to review my file for a loan. They all told me that there's not been an unconventional loan program for some time. ( bank statement loan ). I'm frustrated and angry that the loan manager has NEVER mentioned that the underwriters never looked at my file and that that the unconventional programs have ceased. 8 months of wasted time and money down the drain!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that my personal information, compromised during the Equifax data breach, has been sold and purchased illegally. Despite Equifax acknowledging my status as a victim, I am facing challenges in rectifying the unauthorized accounts on my credit report. 

Equifax Incident Reference : The unauthorized accounts I am requesting to be immediately removed from my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached herewith is the evidence of Equifaxs acknowledgment of my victim status in the data breach. I am seeking your assistance in facilitating the removal of these illegitimate entries promptly to rectify the inaccuracies on my credit report. 

I have made multiple attempts to resolve this issue directly with Equifax, but unfortunately, no action has been taken to correct the discrepancies. Your intervention is crucial in ensuring the protection of my consumer rights and the accuracy of my credit information. 

Please find attached the following supporting documents : 1. Equifax acknowledgment of my victim status.

2. Any additional supporting documentation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. If further information is required, please do not hesitate to contact me at XXXX Thank you for your assistance in rectifying this serious issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XXXX I contacted Bank of America thats my account has been used overseas to withdraw money as well as used to transfer money overseas I contact to make a claim and representives didnt th file all the transactions have call repeatedly to do several claims because they cant do there job! clear this out one person say I should have a credit by 10 Business day if no resolution now other person is saying no are rules are different them other banks and investigation can take months so soneone Can used my account and Bank of America Can take Days months to fix my account am no provisional credit because other bank rules dont apply to them I sent police report I didnt authorize this transactions I need my money back I have read stories they dont even investigate they just brush it off and we the consumers ones that Pay the price!! Everyone blames the last representative they talk to me I dont know why they cant just fix my issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inquiries on my credit report on or about XX/XX/18. I did not authorize the companies to make inquiries on my credit file. 

XXXX removed the inquiries promptly. However, Transunion and XXXX  did not remove the inquiries. I am attaching the letters I sent to all credit bureaus. 

Please remove the inquiries from both my Transunion and XXXX accounts.
Product: Credit card or prepaid card

On Friday XX/XX/XXXX, I tried to use my HSBC Credit Card and it did not work. When I called to understand whats going on the Fraud Prevention Team hold me in the phone for XXXX hours! and finally a supervisor whose name was XXXX told me that since I do not have a checking account with HSBC, they decided to close my account. Then I opened a checking account and a savings account immediately and got an appointment from your local branch to open a brokerage account to bank with HSBC. My credit card was reinstated immediately and I was able to make a purchase. Then, yesterday on XX/XX/XXXX, someone else with a very limited XXXX called me and told me that he decided to close my account. He hang up the phone on me. Rudest agent evet. My account was already reinstated after opening all the required checking/savings accounts and talking to the initial supervisor. But yesterday, the other agent maybe was not aware of our progress and made a mistake. At this point, I did not do anything wrong and did all the required things bank asked me. Please reinstate my credit card. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My son went to the XXXX XXXX XXXX XXXX sometime this year. The hospital been sending him a bills saying that he owes them {$240.00}. After not getting a response from my son about this debt, they then sent it to the collection company Focus Recover Solutions to see if they could collect the money owed. Focused Recovery Solutions did not contacted me about this debt to see whether it belongs to me or my son because we have the same name. Instead the went ahead and place this debt on both of our credit report. I contacted the collection agency to let them know that I did not owe this money and that the debt belongs to my son. I also contacted the hospital about the debt and they also stated that this debt does not belong to me and that I should contact the collection agency again. I have contacted the collection agency 5 time already to see if we can resolve this issue.The collection agency states that they have already notify the all three credit reporting agency to have this item remove from my credit profile. XXXX and XXXX removed the item but XXXX will not remove the item and insisted that the item belongs to me. I have repeatedly disputed this item but XXXX  still say that the item belongs to me. I even try to get the collection agency on the phone with XXXX, but the representative from XXXX say she ca n't speak to third parties and will not take the information from the representative from collection agency with the control number showing that they already send the request back in XXXX XXXX to have this Item remove.I have also asked Focused Recovery Solution to send me a letter stating that this item belong to my son and that they have request removal of this item, but i did not get that request full fill. I again contact the billing department at the hospital and they stated that they will have the collection agency send me a letter showing that they corrected the mistake, still no letter. I did not go to the hospital and I do n't owe them the {$240.00} that is placed on my report. I need this Item remove from my credit report immediately.
Product: Credit card or prepaid card

On XX/XX/2021 I had an unathorized charge in the amount of {$1400.00}. I contacted Nordstrom after I saw on my monthly credit card statement. I explained to Nordstrom I didnt buy anything on that date and didnt authorize any charges. Over the phone Nordstrom explanation was Nordstrom did the charge because we credit you in error. I asked them why I was never informed that Nordstrom decided to do charges on my account without my approval. I faxed to them the Nordstrom Credit card dispute resolution Form on XX/XX/2021. No written response from Nordstrom. I contacted them multiple times but was transferred from one department to next. The Nordstrom started to charge me the interest rate for the amount as of XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX OPEN Balance {$650.00}. 
Acct XXXX : XXXX. 
Remarks : Dispute Resolved and Customer disagree. ( should this be taken as it's perfectly fine to continue to furnish and park inaccurate data on my personal consumer report ). I disagree by reason of FCRA law, and according to FCRA Law an account can not be reporting Open and In Collection at the same time.
Product: Bank account or service

Wells Fargo in XXXX Texas-im a XXXX for 15 yrs doung business banking with only them- XX/XX/XXXX I had ti cancel my Business cking acct. due to fraud and identity theft! I then try to apply for a personal loan and was denied fo to " information from a XXXX party ''! at the same time of my application being reviewed, the banker proceeded to open a cking and a savings acct in my name after i told him i did nit want a personal ck acct with a debit card or a savings acct, and not only would i nit receive the alleged debit vida card, becsuse someone had changed my mailing address over 10 times, He says to me " i will hv it sent to me personally here at the branch ''! I honestly thougt he was joking! Until i was denied a personal loan fir XXXX when clearly they knew my income because they were my proof of income from my business cking acct that i had to close but was reasured that a fraud claim would be opened and taken care of once i had an opportunity to go through XX/XX/XXXX statements and receipts. I then received a statement weeks later of my New Cking acct and savings acct that i never opened nor received a denit card to!!! Mean while the business cc that was maxed out that was attatcged to my old business cking acct that i had to close do to fraud, They sent me a lettter in the mail Canceling my card completely with no warning or reason! My credit is now lower than ever before and they broke the law! i hv yet to go inside the branch to speak to the loan officer who took a week and and a half to deny me credit! He stated " your loan number is So long it just takes me forever yo continuously type it in ''!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my Equifax credit report from XXXX XXXX XXXX on XXXX XXXX, 2017. I have disputed with Equifax and has not been resolved in the 30 day time frame.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, Equifax, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, ) I am Attaching identity and proof of address.
Product: Credit card or prepaid card

On XX/XX/XXXX, I had a statement balance with Comenity Wayfair of {$1900.00}. On XX/XX/XXXX I made a payment of {$1900.00} and requested a {$41.00} late fee to be removed since my payment was only 4 days late. In theory, my balance should have been {$17.00}. Since that time, I have not made any purchases from this company. Nevertheless, each month they have been adding an additional {$41.00} plus interest to the amount owed each month since. 
On XX/XX/XXXX, I sent a letter stating that my online statement showed a balance of XXXX due. However, the printed statement sent via USPS indicated a balance of {$210.00}. In response, the merchant sent me a letter instructing me to call their customer service, who refused to help and only wanted to collect the full amount. 
I refuse to pay {$41.00} per month for a balance that should not have been anywhere close to {$210.00}. 
On XX/XX/XXXX I sent another letter to the merchant with the same dispute. This time I received no reply. 
My balance is now on the XX/XX/XXXX statement reported as {$410.00} and I am shown as being over 180 days late with my payments to the three credit bureaus. 
I am unhappy that this merchant is stating I owe {$410.00} despite having paid {$1900.00} of my total balance of {$1900.00}. And have made no additional purchase from them since XX/XX/XXXX. Charging me {$41.00} per month on a small balance is unacceptable and now has caused my credit scores to drop over XXXX points. I am hoping for resolution and the removal of negative reporting to the credit bureaus.
Product: Credit reporting

On XXXX XXXX, XXXX, I disputed inquiries from XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, which were added to my Equifax report on XXXX XXXX, XXXX & XXXX XXXX, XXXX. This is due to fraud because I did not apply to any of the cable companies in XX/XX/XXXX. However, Equifax insist that the inquiries are factual, which is false. For instance, XXXX is no longer listed as active. I googled the company, & the company seems to be out of business. Also, I tried to contact the other inquiries, & they are hard to get in touch with too. Plus, Equifax finished the investigation the same day I disputed the inquiries, which means they did not investigate the inquiries. If I had difficulties contacting the inquiries, & still have not received a response from any of them, then that means, Equifax gave me a false report because they did not verify the information. They are required to remove ( or block ) any unverifiable & inaccurate information from a consumer 's report, especially fraudulent information.
Product: Credit card

Paypal opened a credit card account without my knowledge on XXXX. I do not even have an account with PayPal. Someone charged {$1000.00} to this credit card account. I knew nothing about the account until I received a letter from a collections company ( XXXX XXXX XXXX XXXX of XXXX, IL ). I called XXXX XXXX XXXX and reported the account as fraudulent. XXXX returned the account to PayPal and XXXX Bank. I contacted XXXX Bank through their web site to report the fraudulent account and was referred to PayPal. I will contact PayPal once their call center opens to report the account as fraudulent.
Product: Mortgage

XXXX. Requested Payoff XX/XX/year> XXXX. Told " can not give payoff because loan is being transferred to HUD '' XXXX. Why were we not notified? 
XXXX. Why is loan jumping from {$110000.00} to {$120000.00} after transfer? 
XXXX. Why were we not notified? Again-same question. 
XXXX. Can we speak to a supervisor? Hung up on XXXX by XXXX ID # XXXX XXXX. Spoke to XXXX ID # XXXX to speak to supervisor - no. Asked him XXXX why we weren't notified and he said " you will be notified by mail AFTER Loan is transferred '' ALL UNACCEPTABLE AND NOT ANSWERED!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

My Discover Credit Card was hacked in XX/XX/XXXX because XXXX  stores were hacked and all their clientele 's personal information was taken. I did not realize that my cards had been hacked until XXXX/XX/XX/XXXX. I disputed the charges to my 3 credit cards that I had the XXXX hacked charges. Two of the credit cards refunded my money and Discover refused to refund me what they owed me from that hacking : {$3400.00}. In their estimation, there were just 7 XXXX charges and they felt that those charges were real that I was responsible for them. There were 21 hacked charges not 7. Normally they would call me when there was a constant charge coming from the same place but they never did and they continued paying off those XXXX charges until XX/XX/XXXX. I put in the dispute against the 21 charges and asked them to send me a copy of each charge with signatures. They kept sending me 7 - 9 of the signed charges over and over again and wouldn't send me the 21 signatures. At one point they were going to refund me {$1700.00} until they suddenly took that away and decided, without my approval or authorization to close my case, which they did in XX/XX/XXXX and found that out in XX/XX/XXXX that the case had been closed and that they couldn't do anything for me because I was responsible for all those charges!!! I spoke to someone in the Dispute Office and they told he told me that he would look into it and open it back up for me. Never heard from him and I kept calling asking them what had been done with my dispute. I put in a dispute with the Office of Consumer Affairs in Illinois with XXXX XXXX : XXXX, DE ; XXXX DE ; and again with XXXX XXXX in Illinois because it seems that Discover Card are in so many states that I was being shuffled around from one state/office to another. Charges on my Discover Card from XXXX paid cards that was supposed to be shut off : XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,1XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX: XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
I tried to get a copy of all those signatures from XXXX but they informed me that they don't keep receipts. How Discover ever got those 7 signatures and could not get the rest of the 14 signatures is beyond me and truly puzzling.