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

I have had a XXXX XXXX  account reporting on my XXXX  Experian and XXXX   for a while now as a charge off status, Experian has reported it in XXXX and starting XX/XX/XXXX and has not updated since then, XXXX  has been reporting but has not been showing in payment history, XXXX last reported this account in XX/XX/XXXX collection. It is evident that XXXX XXXX is not only erroneously reporting this account on my personal credit profile but it is also not reporting information correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.
Product: Mortgage

In XX/XX/2022, I started working with XXXX XXXX. I was applying for a VA mortgage through Homebridge. After several requests, we finally received our pre-approval letter in XXXX. We chucked this up to just human error. After we received preapproval, we discussed rates and he recommended I locked my rate and pay {$3900.00} to lock rate. I was ok with this since we planned on closing with Homebridge. After paying for the locked rate, I started receiving loan estimates that were grossly inaccurate. After the second or third time, I asked XXXX about the incorrect values on my loan estimates as it was making it extremely difficult for us to compare to other lenders. XXXX only addressed part of the issue, and their remained a {$100000.00} error on our loan estimate. Because we received late preapproval, and because it had been several months, and such a huge error on loan estimates, and because our builder was stressing at us to finalize paperwork, we had to leave Homebridge and go to another lender. It wasnt until we told XXXX that we were leaving, that they finally decided to go through loan estimates and make corrections. The coordinator corrected the loan estimate, but XXXX remained hands off and refused to look or answer my questions regarding where the additional funds in down payment was coming from. XXXX, instead, kept threatening us with the money we put down for our locked rate. Telling us we were going forfeit our rate even if we left due to their lack of concern with processing correct paperwork and poor customer service. We had worked with XXXX for months, but could no longer as we felt we would have issues with closings and because our builder was pressuring us to finalize lender documents. XXXX XXXX put us in a very bad position and has now refused to refund our locked rate payment and will not respect our request to withdraw our application. We have asked several times. He stated that he spoke with his VP, XXXX XXXX, regarding the concerns we had about XXXX and his ability to successfully get us through closing, but there was still no concern from Homebridge. We were not offered the opportunity to work with a new broker, or anything. Therefore, we request to change lenders without penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry # 1 : XXXX Inquiry from XX/XX/XXXX - I moved into a new apartment but I specifically told them not to do a hard inquiry on my account as I instead paid a deposit and gave automatic payment banking information which they said would be enough to avoid receiving an inquiry. 

Inquiry # 2 XXXX Inquiry from XX/XX/XXXX - I do not recognize this and I was not doing any kind of activities at the time to warrant a hard inquiry. 

Inquiry # 3 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it. 

Inquiry # 4 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it. 

Inquiry # 5 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report following a recent data breach. I am a victim of identity theft, and these accounts and inquiries were not initiated by me. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent entries be permanently removed from my credit report. 
The following accounts are fraudulent 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 XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I'm an XXXX. I use the Western Union website to transfer money to a friend in XXXX who has very little income. I have done this for a couple of years, usually XXXX or XXXX transfers/month. 

Until XXXX of this year, the money was available for pickup the same day I made the transaction. Western Union has NEVER had a problem making a withdrawal from my checking account. 

In XXXX I was surprised the money was taken from my checking account by Western Union, but there would still be a XXXX day delay until it was available for pickup. I made a complaint to Western Union via their website on XX/XX/XXXX, got an email acknowledgement ( We have captured your inquiry under case number XXXX ). 

I emailed them again on XX/XX/XXXX asking for a response. Nothing. 

I believe it is very unfair for them to take the money, use it, and delay the pickup. 

-- -- Recent transactions, XXXX delay pickup delay, money taken next day. 

Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX -- -- Earlier transfers, money available same day for pickup Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX 10
Product: Debt collection

Approximately XX/XX/24 I Received a text message from easypay for a bill from XXXX XXXX XXXX XXXXXXXX. I did not recognize the vendor and deleted the text. 
I received a letter on XX/XX/24 from Easy Pay saying they had taken over billing for XXXX XXXX XXXX XXXX and that I owed {$210.00} biweekly for 26 weeks. First payment due XX/XX/24 interest rate 178.99 %. All of the details are SHADY. When I called Easypay they told me to email their Fraud department. When I called A & K appliances they said they would get back to me after the went through their files. 

Neither satisfactorily canceled the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

New collections on report. The accounts were previously listed as closed and no missed payments. Do n't understand how they now can be listed as a collection. I paid a law office to handle my creditcard and private student loans.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the persistent inaccuracies on my credit report, specifically regarding XXXXXXXX XXXX XXXX  XXXX account, account number XXXX. Despite multiple attempts to dispute these errors with XXXX, XXXX, and Equifax, as well as XXXX XXXXXXXX XXXX, the problems persist. 

Specific Issues : Inconsistent Account Status : The XXXX XXXX XXXXXXXX account is erroneously reported as both " Charged Off '' and " Never Late. '' Inaccurate Balance : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. 
Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline. 

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading.

These inaccuracies have negatively impacted my credit score and my ability to obtain credit, housing, and other financial services. I have experienced significant stress and financial hardship as a result of these errors. 

I have repeatedly contacted XXXX, XXXX, and Equifax to dispute these inaccuracies. Despite their claims of investigating and resolving the issues, the incorrect information remains on my credit report. I have also contacted XXXX XXXX XXXXXXXX to address these discrepancies, but their efforts have been unsuccessful. 

I am deeply concerned that the CFPB has failed to hold the credit bureaus accountable for their repeated failures to correct these inaccuracies. It is disheartening to see that the CFPB is not fulfilling its role in protecting consumers ' rights. 

I urge the CFPB to take immediate action to investigate these matters and compel XXXX, XXXX, and Equifax to correct the inaccurate information on my credit report, specifically regarding the XXXX XXXX XXXXXXXX account, account number XXXX. I believe that the credit bureaus ' failure to accurately report my credit information violates the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this urgent matter. 

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

My student loans were sold by Great Lakes to NelNet. Great Lakes held my student loans since XX/XX/XXXX. When they were sold to NelNet ( approximately XX/XX/XXXX ), my student loan account was closed on my credit report. It was my longest open line of credit ( since XX/XX/XXXX ). Closing the account, negatively impacted my credit score. A few weeks later, NelNet opened 9 new accounts on my credit report -- one for each individual disbursement over the past decade+. NelNet listed my oldest account at 7 years old although Great Lakes reflected on all three major credit reporting bureaus that it was as old as XX/XX/XXXX ( 12 years -- not the 7 years NelNet is reporting ). The numerous, newly created accounts by NelNet along with closing my oldest line of credit after my student loans were sold, dropped my credit score more than 100 points. I've attempted to contact them about the issue/ concern. I submitted an online inquiry through their website and have not heard back. I called and spoke with a customer service representative who was unable to offer any sort of advice or guidance in correcting the issue. The representative stated that Great Lakes was likely reporting it incorrectly previously. Great Lakes held my student loans for over a decade. I have no control or say in my student loans being sold. Whether Great Lakes was reporting incorrectly or not is irrelevant. Why am I being penalized for something completely out of m control? To make matters worse -- I am currently in school. With the way NelNet is reporting, a new account will be opened on my credit each time a student loan payment is disbursed. In my case, each school term is approximately 10 weeks long i.e. NelNet will create and open a new account each time a payment is disbursed every ten weeks until I graduate. Each new account negatively impacts my credit score. I'm not sure how this is ethical or even legal and have no one to turn too for guidance or any sort of resolution. Credit score impacts every area of our lives : homes, vehicles, school, medical, etc..
Product: Debt collection

My wife passed on XX/XX/XXXX. I kept her phone active for several months afterwards because she handled all of our billing and and she had setup all of the debts due sent to her phone number so that she could pay all the bills. XXXX was one such company. 

My complaint is with XXXX XXXX. Near the end of XX/XX/XXXX my normal billing jumped to over {$300.00} because of International phone calls from XXXX using my late wife 's phone number. The next month the total went to over {$800.00} for even more calls from XXXX. All my attempts to talk to " managers '' at XXXX about obviously fraudulent charges originating from a country that I have never visited. In fact I haven't been out of the U.S.A. in over 20 years. 

Sometime around XXXX or XX/XX/XXXX I personally went to the XXXX store in XXXX XXXXXXXX, ID to have my wife 's phone number disconnected and change the account to my name and surrender her phone because I certainly did not need it any longer. 
They made a really big deal about changing that account ( they even required me to provide an original death certificate! ). The whole process took several hours and I was very frustrated but it needed to be done. And I thought that the account change was completed. 

When I started receiving the billing for international calls I noticed that the calls were using my late wife 's, supposedly disconnected and returned cell phone. Despite all my calls to fix the fraudulent charges they had no record of the number being disconnected or returned. I've searched my records and I can't find proof as well. So, either they never gave me official paperwork of I have disposed of it after a few months. 

They have since sold the debt to a debt collection agency and my money manager has sent them a cease and desist letter. They did cease. Now I have to go through this all over again because XXXX sold the debt to another debt collection agency that is now demanding {$990.00} for interest fees and costs. 

I just need to talk to someone at XXXX headquarters ( maybe with a moderator ) that has common sense that can see that these international charges from XXXX are obviously fraudulent. When I call all I can get is mid-level management that parrots the company policies back to me without even considering the fact that they are mistaken.
Product: Credit card or prepaid card

I opened this credit card with XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I used and then paid off the entire card and closed it within a year of opening it. In XX/XX/XXXX I requested the account be closed as it had been paid in full. The customer service individual who I spoke to assured me that the account was closed. I then found out there there had been a running balance since XX/XX/XXXX of {$1.00} that the interest builds up to. Again, this account in all intensive purposes was closed in XX/XX/XXXX yet I was still continuiously charged untill XX/XX/XXXX. The account is paid. The account is closed but because they never closed the account in XX/XX/XXXX upon request there is a slow payback report on my credit report which is negatively impacting me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, on behalf of XXXX XXXX XXXX entered a false derogatory credit report about me to XXXX large credit reporting agencies. XXXX XXXX  on behalf of XXXX subsequently told me they rescinded those reports. Two of the agencies indeed deleted the reports. Experian apparently did not. XXXX bank denied me a bank account, citing Experian.
Product: Debt collection

I have been informed that negative information was reporting on my credit report by a collection agency with the name of XXXX XXXX. I contacted this company by certified mail twice to get validation of debt amount owed. this company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the USPSP that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since, this company states I owe XXXX $ but I will not pay this collection agency any type of my money without sufficient validation. I have asked this company twice to validate this debt bearing my signature or to show some type of contract I have between this company & I. It is by law by the FCRA THAT I CAN REQUEST VALIDATION AND IT MUST BE SENT TO ME. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. This company only marked my account disputed on my credit report but have failed to send me any documents of what I am asking for. I have the right to demand to see a signed contract between, e and XXXX XXXX. If this company is hired by a 3rd party company then I request validation and NOT verification of the debt meaning a signed contract from the original company and not a itemized or generic bill. a bill is considered proof of debt, not validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experience on inaccurate reporting of a bankruptcy that appear on my report. I also contacted the bankruptcy Court attached is the letter I received from them that was also sent to experian.
Product: Debt collection

This file has been relisted on my credit report with a date of 2015. It 's a old file which should n't have been there in the first place. I signed up for XXXX a few years ago for {$19.00} a month. They started charging me almost {$50.00} a month without any notice. By the time I realized, the bill was high, and I had to cancel service. It has been through a few collection companies, but it is not from this year. The way it 's listed pulled down my score, and I 've been paying my current bills on time to raise my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my correspondence to this company dated XX/XX/2018. I disputed several accounts that has been reported incorrectly and inaccurately. I clearly listed in my letter what the accounts are and what incorrect and missing information there are per account. It is now XXXX and till now have not receive any concrete evidence that an investigation was conducted, nor documents used in their investigation. At this point the disputed information are in verified/invalidated and this misconduct is definitely a violation of FCRA. The accounts that I disputed are the following : 1. XXXX XXXX XXXX XXXX Ref # XXXX, 2. XXXX XXXX XXXX USA Ref # XXXX 3. XXXX XXXX XXXX USA Ref # XXXX 4. XXXX XXXX / XXXX XXXX ref # XXXX.
Product: Debt collection

On XXXX XXXX, I XXXX XXXX received a notification from XXXX XXXX  that a new collection is showing on my credit report A negative account with Portfolio Recovery Assoc A collection was added to my credit report, which is damaging my credit On XXXX XXXX I contacted XXXX to get more information on this report. I was informed it was from XXXX from XXXX XXXX XXXX for a total of {$430.00}. At approximately XXXX I called Portfolio Recovery Assoc explaining the information I saw on XXXX. The representative I spoke with attempted to locate my information by the following : Name, DOB, Social security and my Address and she was not able to find any information based on what Ive given her. She than spoke to her supervisor and she was also unable to locate my information. 
On XXXX XXXX at approximately XXXX I contacted the debt collector once again and they do not find me in the system once again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Back in XXXX XXXX we applied for a refinance of our existing mortgage an interest rate of 4.73 %. The loan officer told us that we could get a lower rate if we refinance with my husband only on the mortgage since he had a higher credit score.The rate would be 3.50 %. We agreed. An appraisal was done on our home shortly after. It came in at {$220000.00} over the amount owed on our mortgage. At that point, the bank had all of our information and requested documents. They then requested a copy of my husband 's license. At that point everything slowed down. Three weeks after the appraisal was completed, the bank informed us that we needed to install a handrail going down to the basement before we could move further on our closing. We complied. Granted, the bank did not have a problem with not having hand rails when we purchased this home in XXXX and even threw in a credit line, which we did not need to close our loan at the time. They quickly took our {$120000.00} down payment. This is the same bank our current mortgage is with! A week later the bank again requested that we put handrails on the other side of the stairs. They were not clear about this. I had previously requested a copy of the appraisal. We called them and were told one would be sent to us immediately. We installed the second railing and had to have the inspector come out for the second time to reinspect. We again made a second request for a copy of the appraisal and were told that the appraisal is sent our right before closing. We had to request an extension on our rate lock because we were not going to close in time. The rate of 3.50 % was extended to XXXX XXXX, XXXX. The bank is now requesting a statement regarding my XXXX. They want to know If I can withdraw money and what the taxes and penalties are. Why? What business is it of theirs. I am told it is a bank procedure. I complied with their request. We were also told on Friday, XXXX XXXX, that the closing cost would be about {$8000.00} because they are not able to transfer my escrow account to the new mortgage. This right before closing. We were also told that we had to show where our money for closing is coming from. This is ridiculous. Both our checking account and savings is with this bank. We were planning to close on the XXXX of XXXX, but underwriters have to look at the XXXX withdrawal terms before and give their approval. Now we have to pay our existing mortgage again at the current interest rate of 6.25 %. It gets paid directly from our account tomorrow, the XXXX, ironically. 
We feel the bank has been dragging their feet on our loan application and most of all we feel we are being discriminated against. 
We are requesting your help in resolving this matter, We will not give in to their unfair practices.