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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Credit Information Account : XXXXXXXX XXXX XXXXXXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : Bank XXXX XXXX Account XXXX : **** High Balance : {$13000.00} Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Payment after charge off/collection, Canceled by XXXX XXXX, Unpaid balance reported as a loss by credit XXXX Credit Limit : {$12000.00} XXXX and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau XXXX : Transunion : Account reported with a high balance of {$13000.00}, last verified on XX/XX/XXXX, and a paid status after charge off/collection. 
XXXX : Account reported with a high balance of {$0.00}, last verified on XX/XX/XXXX, and an unpaid balance reported as a loss by credit grantor. 
XXXX : No detailed information provided, indicating potential discrepancies. 


Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 
I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2021, I filed an FCRA request with XXXX to correct inaccurate information on my credit report. XXXX has been reporting for years that my account balance with Elan Financial Services is in dispute, when no dispute exists. I had previously been questioned about this while applying for a mortgage. 

XXXX responded that they verified the information as accurate. I subsequently requested a reinvestigation, and XXXX responded identically. I then requested a description of the verification procedure, and XXXX refused to provide one, in violation of Section 611 ( a ) ( 7 ). XXXX instead told me verbally that they relied upon information from Elan Financial Services, and I should request a letter from Elan confirming my account status. 

Therefore, I contacted Elan Financial Services. Elan denied knowledge of any current dispute. I requested a verification letter affirming this, and Elan verbally agreed. Elan then wrote a letter claiming that they couldn't provide any information about the alleged dispute on my credit report because it was reported through the credit reporting agency. 

Thus, both XXXX and Elan are pointing fingers at each other, saying that they don't know anything about why my account balance is showing up as being in dispute. Additionally, XXXX has, without my consent, added a notation to my credit file indicating that I dispute that my account is in dispute.
Product: Credit card

In 2016 I had two late payments to my TJMaxx Card issued by Synchrony Bank. In both cases they were silly snafoos that were my fault, but had nothing to do with credit worthiness. In both cases I identified the issue before Synchrony did and proactively called and made a new payment. 

I have now received an email cancelling my card. I do not find this to be fair as I am perfectly credit worthy and have had the card for years with little or no past issue. I also spend a reasonable amount on the card. I feel that the bank should have had a conversation with me rather than just cancelling out of the blue. 

I believe this represents what is wrong with the system. Machine made decisions with no consideration or focus on the client at all.
Product: Credit reporting

I am a victim of identify fraud and as such, I constantly get fraudulent attempts for new credit on my credit profile. Since I am instantly alerted on these, I immediately start a dispute as these inquiries as fraudulent. A short time later I got a response from XXXX/EquiFax with the results of their investigation concluding these were legitimate inquiries, and if I had any further questions, to contact the credit grantor. I have reached out to the credit grantors and advised them of these fraudulent attempts and they have advised me they have blocked it in their system and sent notification to the credit reporting agencies to have these inquiries removed, but several months later, they are still on there. I have now sent the letters from the credit grantors, indicating they have requested these inquiries to be removed from the various credit reporting agencies, to the credit reporting agencies again, but as of this complaint, the inquiries remain.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I filed a dispute with Skrill. About some unauthorized charges that was used on my debit card. While I was away in the hospital. I provided hospital documents showing where I was. The first problem is our father dispute on XX/XX/XXXX I never got a reply I had to file a complaints a month later after our father dispute for them to answer me. They didn't follow the terms and conditions of filing a dispute for unauthorized charges I didn't get provisional credit because they investigation took way over 10 business days. Now they denying my claim which is a debit card claim that the card was used in person. No the reason for them denying my claim is because they say I should have kept my password and log in safe. I don't get what does that have to do with someone using my card offline and not within the Skrill account. I feel that this was not a fair decision on my part because I was violated as a customer I lost big time and Skrill refuses to refund me my money. No one never used my online profile for unauthorized transaction I clearly could complaint that someone use my skrill debit card for unauthorized purchases. So they deny my claim because they claim that no one should have had my password or email to login. But I don't understand what does that have to do with someone using my card as card presented which that mean it was used offline. This been going on three four months now they just finished the investigation I suffered a big loss homeless still in that situation due to Skrill refuses to refund me my money. Over stuff that has nothing to do with the matter at hand. They violated their terms and conditions they violated the irregulations act of disputes for unauthorized claims. They had not followed their terms and conditions their rules MasterCard rules are my rights I want Justice and I want a refund.
Product: Prepaid card

Someone sent me a link and got into my bank of America account and transfered out {$1600.00} into there account i called bank of America to try to stop the transfer they said they couldn't and just filed the dispute for me instead of stoping the transfer or reverseing it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The some information listed on my credit report does not relate to the request I have made on my behalf so those items should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  is reporting incorrectly to Equifax ; XXXX   and XXXX  a balance due of {$800.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I have contacted XXXX and filed a report that this account has been opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times since to reach XXXX to remove this account from my name however, I have not been successful. This false reporting of an account with a balance due, that does not belong to me, is seriously harming my credit score. I have also contacted the bureaus to remove this line item however, I have not successful in this endeavor either.
Product: Credit reporting or other personal consumer reports

I recently noticed billing mistakes in my credit report, specifically late payments that are inconsistent with my usual record of timely payments. Please fix these errors and update my file.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX & XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX Inquiry : XXXX XXXX, 2021.
Product: Credit card

I found on my credit report that I had a Citibank Home Depot revolving credit card. After ordering the statements that were from the year XXXX to XXXX, I noticed that the statements were addressed to my XXXX XXXX XXXX in XXXX XXXX, CA XXXX. When I arrived to investigate why I never seen a statement from XXXX. I was informed that my sister XXXX XXXX has been picking up, my mail.. I told the XXXX XXXX XXXX that this was my private locking XXXX XXXX and nobody should be getting my mail. I retired in the year XXXX and my bank account was over drawn from these purchases from this unknown credit card. I have never owned a Home Depot card. I would like restitution for all these damages incurred. Thank you
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently trying to refinance my mortgage and the lender notified me that I had two instances of 30+ day late payments from Mr. Cooper XXXX I called Mr. Cooper, submitted details to their escalation team and have still not heard back from them. I believe that these late payment ( s ) should be removed due to several reasons : * I was unaware of my Servicing being transferred to Mr. Cooper ( from XXXX ) in XX/XX/2021. 

* I was set up with auto pay with XXXX and this was not transferred. No one at Mr. Cooper attempted to reach out to me to let me know that payment was due. 

* I only became aware of the servicing transfer from my lawyer who tried to get a pay off quote from the previous servicer ( and was notified that it had been transferred ). 

* I called in to Mr. Cooper on XX/XX/2021 to request the payoff quote amount and the customer service rep did not inform me that the XXXX payment would need to be provided that day to avoid reporting late to the credit agencies. She provided a payoff quote reflective of the amount due if paid off in full the next week ( XX/XX/2021 ). She said any payment would impact this payoff # that I needed to give to the lawyer that day in order to close on the sale. 

* I paid the loan off in full on XX/XX/2021. Yes, my servicing was transferred unknowing to me while I was in the process of selling the property and moving to a new property. 

This has negatively impacted by credit and caused me to be declined for a refinance transaction which would have saved me thousands of dollars over the life of the loan. This was driven by operational issues related to the servicing transfer and miss-communication from the Mr. Cooper representative XXXX not a true credit/delinquency event.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed FTC complaint # XXXX regarding accounts that are not mine and do not reflect a valid ID. I sent a valid ID as well as a summary of my dispute as well as a copy of my social security card. 

Experian did not do a thorough or accurate investigation into my complaint. I tried to resubmit and re-file everything again with the same documents and the FTC report and they refuse to take it. 

They are unable to validate or show how they verified any of this information as I know this information can not be verified accurately since it is not mine. I have called them several times and they will not tell me how these fraudulent accounts are verified. 

They are in violation of FCRA Section 611 to my right for a complete and accurate credit report.
Product: Credit reporting

I am filing this complaint against Experian because they are reporting information on a XXXX account # XXXX. They are reporting this account incorrectly and inaccurate they refuse to re dispute the account saying the creditor says they are reporting correctly the account. Experian is reporting the account as a business account when the account is being alleged by target as a personal. The first date of delinquency on the account on the letter directly from XXXX XXXX/XXXX/2009 which means the account is reporting past the FCRA allowed time. I need this account removed from my credit file immediately.
Product: Credit card

I lost my American Express credit card and called American Express. They said they sent me a new card. I never received the card. I tried to call several times but the wait is over 20 minutes. I got a bill for the annual fee. I called to cancel because I never received the card. When I called they kept trying to sell me on getting a " blue card '' and a big promotion they were having. I told the rep I just wanted the {$450.00} charge removed. He said yes for sure but I needed to apply for the blue card and must get a green card. He talked me into it so I agreed because I couldnt ' get him to just get rid of the card fees that i never rec 'd. A few weeks went by and AMEX only credited {$370.00}, not the {$450.00} they promised. I called several times but am not allowed to call from work. I work XXXX hours a day because I am a sole provider trying to support a family. My husband lost his job in XXXX. I can not call from work. I do not have time to call and sit on hold for 20 minutes. Today I called and sat on hold for 20 minutes. The rep, ID # XXXX said he did n't believe me and would n't reverse any charges and kept talking over me so that I could n't talk. American Express is now harassing their customers and telling them lies and making them sit on long hold periods to steal their money, how is this legal? He would n't do anything for me but harass me.
Product: Credit reporting or other personal consumer reports

Last month I called XXXX XXXX to get an extension to XX/XX/XXXX due to me taking money from my retirement on the XXXX and money would be processed into my bank account by XX/XX/XXXX. They granted me an extension and told me that was he longest they could grant and I told them that was the date I was asking the extension for. I asked for an extension only because due to my prior tenant nonpayment of rent and damaging my home in Florida and me being stationed in Illinois I have been paying the mortgage in Florida since XXXX and the bills in florida on top of my rent here and bills here in Illinois. I needed help because I dont not have it at that time but I told them I would have it XX/XX/XXXX and was granted that extension. They dont even wait past XX/XX/XXXX. They were untrue of helping me and still did the late payment. Not long after XX/XX/XXXX which was the date I paid it on I received a late payment on my credit bureaus. If I had known this I wouldve agreed to the arrangement. This unfair and doesnt abide by the FCRA regulations. I just needed a few days extension until I received my money and they granted me the extension but still ended up putting a late payment on my credit reports. Please review the call I made to them last month when I was told my extension was granted. This late payment took XXXX points off of my credit bureaus that I am trying to repair due to having to maintain both locations until I can get my home fully repaired and rented out again. I have more money going out than coming in and trying to repair it has been costing me on top of paying for two locations. Im XXXX  and having bad credit can get me kicked out and I am close to retirement. They have continued to be unfair and not honest. Also one late payment was removed last year and now I have two late payments on my credit again.
Product: Mortgage

I have experienced a variety of issues with my loan application with Wells Fargo : 1. My application was mishandled with full of inefficiency and miscommunication and took unnecessarily long ( nearly 2 months ) to reach a decision. So much time and effort was wasted during the process and I had to switch to another lender at the end. The closing was delayed by at least two months. 
2. My loan was rejected with a wrongful reason. The rejection letter simply stated " insufficient funds to close the loan '' as the reason, which is against the fact and the documents I submitted. This also harmed my reputation and credibility as I had to present the rejection letter to the seller for extension of closing. 
3. I requested detailed information based on which my loan was rejected and refund for payments I made to Wells Fargo. They keep telling me that they need more time to investigate without any further explanation. It 's been more than 6 weeks now and they have n't provided any information I requested. This, as I understand, is a violation against my right under Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( i ) ( b ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with my legal counsel for suit. This includes listings of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


E STOPPEL PARAPHRASE : I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( mo ) 281 SW 715 719 I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXIST