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

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Items to Dispute Personal Information Current Address ( es ) : 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 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 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

As of XXXX of 2020, my score went down for no reason. I was on a bankruptcy so that prevents me from open credit or anything so my credit score with XXXX  should of never been affected. All the other credit bureaus wasn't. I need that review because there is no need for me to raise anything because my score never dropped over 100 points for any reason. Please research.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX  XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$2400.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Money transfer, virtual currency, or money service

Since XXXX XXXX XXXX  I did many calls to XXXX XXXX XXXXXXXX XXXX , about the rest of the money that I have in my XXXX XXXX XXXX XXXX, because they close me the account that I open by online, because seems something was wrong. They sent me deferents emails that I did something that I wasn't. Then, when I tried to sing in in the account, the system automatic put deferents numbers of phone, and they weren't mine either. It seemed to me that it was like a fraud, so by many calls they decided to send the rest of my money by check. Then I found out that the didn't send it, I complain again and finally the send it on XX/XX/XXXX according to email received on XX/XX/XXXX NoReply   Subject : " Checks have been mailed to the Recipient/Employee '' Dear XXXX , Your payment has been successfully issued and checks have been mailed. Below you will find the transaction details regarding your check. 
Check Amount : XXXX Check Date:XXXX XXXX I still waiting for this check, they told me with my last complaint that is the only information that they can see in the system. Their phone is back the card : XXXX.
Product: Credit reporting or other personal consumer reports

I started working on my credit in XXXX. Within a XXXX  and a XXXX  my score went up from XXXX to XXXX and recently I was in the XXXX. I had nothing in XXXX, a few XXXX  payments in the past and a XXXX  that fell off last XXXX. Recently I bought a XXXX so I knew I would take a hit but Ive been having trouble with Transunion. At XXXX  I thought it was because things were being reported XXXX  but now I see after doing my research that consumers have complained about their practices. I get alerts from XXXX  XXXX  and XXXX  XXXX  that tell me when my points are deducted and there is literally no change or reason why. My XXXX  reports a XXXX score and my XXXX  shows XXXX. Transuion is deducting about XXXX every other XXXX. Since beginning of XXXX  I have made all my payments on time and I have about XXXX XXXX  cards, XXXX XXXX  loan that is about XXXX currently in good standing waiting for it to be forgiven. XXXX XXXX  loan and XXXX  support, everything is paid on time. I do not pay XXXX  XXXX  payments but I pay in XXXX  every XXXX, nothing in XXXX. My transuion is showing XXXX, today XXXX points were deducted while the others are going up and my utilization is always under XXXX  XXXX. Its really hard to contact them and when I dispute things nothing is ever resolved.
Product: Mortgage

I have always made an effort to pay my mortgage on time. I have a FHA mortgage that I signed on XXXX of XXXX. Starting on XX/XX/XXXX I was placed on a non-paid medical leave. I immediately enrolled in my mortgage companies ' Wells Fargo Covid Payment Extension/Home Preservation Program . They provide forbearance for Covid-related medical financial hardships. I qualified. 

On XX/XX/XXXX I applied for the US Treasury funded/ Homeowner 's Assistance Program/RI Housing program to help me with my mortgage. I submitted my tax returns from XXXX and XXXX and I had no recent paystubs to submit because I've had no income since XX/XX/XXXX due to non-paid medical leave from work. As of yet I am still not back to work and my doctor has not released me to return to work. 

My complaint is that the US Treasury has funded RI Housing and Wells Fargo with this program for people just like me and want them to use the funds to please help me to bring my mortgage up to date. That has not happened. RI Housing is claiming that my application to the Homeowner Assistance Fund is being held up by Wells Fargo since XX/XX/XXXX when they tried to contact them. But Wells Fargo mortgage, on the other hand is saying, that as of XX/XX/XXXX no one from RI Housing XXXXXXXX has tried to contact them in regards to my Homeowner Assistance Fund application that I completed on XX/XX/XXXX through RI Housing  online application portal ( see documents attached below for proof ). 

As a result of this tug of war between RI Housing and Wells Fargo the Homeowner Assistance Fund in my state is running low and I may not reap the benefits of the program. The program is meant to target people exactly like me ( low-income Afro-latina homeowners ).
Product: Credit reporting or other personal consumer reports

VALIDATION CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX, I am writing to verify that you have the right individual and to request that you provide documentation confirming this. 

Please supply me with a contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 

1.The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof the the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting this debt until you have provided validation of the debt.

Additionally I request that you do not access my credit report or report anything to credit bureaus.

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Debt collection

On XXXX XXXX, I contacted Bleeker Brodey & Andrews to discuss possible payment arrangements for a debt that I owe to XXXX XXXX. I spoke with XXXX XXXX and he begin to ask me questions about my place of employment and I told him that I did not have to provide that information and that I am attempting to resolve this debt. At that point, he became very aggressive, hostile and rude. He said that he would not be able to provide any payment arrangements with me unless I provide him with my place of employment and that he can contact my place of employment to verify and begin the process to garnish my wages. I attempted a second time to discuss a possible payment arrangement and he said that I would need to pay XXXX upfront before XXXX enter into a payment arrangement ... which by the way, he previously stated that he would only be able to provide payment arrangement if he knows my place of employment. I proceeded to informed him that I know my rights under the fair debt collection practices and that he will not intimidate, bully or disrespect me when I am attempting to resolve this matter. He told me to call him back when I have XXXX dollars and hung the phone up in my face. 
I called the firm back and asked to speak with a manager and the representative informed me that is name is XXXX something ( cant remember his last name ) he is on the line with a someone and that I can leave him a voicemail. I left him a message informing him that, XXXX XXXX, was rude and disrespectful and that he hung the phone up in my face. Also, informed the manager, that I am trying to resolve this matter and asked if he could give me a call back. As of now, I still have not heard from anyone in that office. This company uses intimidation tactics to scare people, they are rude and abrasive.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 or other personal consumer reports

I opened a dispute on XX/XX/year> that was scheduled to be resolved by XX/XX/year> that has yet to be completed and is still on my credit. I Also mailed a letter out on XX/XX/year>. The company I disputed through reached out to card issuer and the account was still not removed from my credit report.
Product: Checking or savings account

I went on vacation on XX/XX/XXXX and on the first day i lost everything to my name. my wallet, ID, Passport, Debit Card all were stolen out of my hotel room along with most of my prized belongings. My bank account was then wiped completely using my debit card ( Over {$5000.00} taken ) ever since that day the process with navy federal has been an absolute nightmare to deal with. As soon as the transactions were noticed i called immediately to file a dispute. the representative gave me a breakdown on how they work. I urged the representative to take into consideration my situation being stuck here in XXXX with no return flight home and XXXX XXXX  no id and passport. nobody cared. i talked to a supervisor repeated the same information to me nothing done. i have no called for 6 days straight about my situation and nobody can help. ive spoken to the highest supervisors who repeat the same information no matter the dire situation im in. lastly i was directed to put in a message in the message center explaining my situation. i did so immediately and was responded to with no care at all. i explained the entire situation word for word and was responded with this exactly After further review, we show that your claim is still being investigated. A debit card fraud claim can take up to 90 days ; however, please be advised that once a decision has been made on your claim, you will receive a letter to your address of record. If you have any further questions or concerns, feel free to contact us. Navy Federal is available 24 hours a day, 7 days a week at XXXX NO CARE AT ALL!!! No im so sorry to hear about your situation!! NOTHING AT ALL! I was then told i can apply for a loan which was all to get them more business. They then went through that whole process all to tell me i wasnt accepted and took a hit on my credit score for the application!!!! everything is a mess they wont help me im stuck here in XXXXXXXX XXXXor 7 days now with no update no care at all by anybody! terrible!!
Product: Credit card

Self financial / lead bank - I have 3 accounts on my credit report from them and I have never loved at XXXX XXXX XXXX XXXX and never had knowledge of the accounts til I pulled my credit report. Ive asked multiple time and disputed the items. These are not my items and I did not authorize it
Product: Credit reporting

Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/XXXX, 2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/XXXX 2011. I have never been to XXXX County. 

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

I have reached out to all the companies and they have no record of me applying for any credit. I have filed reports and complaints however Equifax refuses to do anything about this. 

15 U.S.C 1681 Section A. States that I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and Experian continue to cause damages to my estate my reporting late payments. The note that is used for profits is being traded and has been sold numerous times which is registered in the name my estate holds equitable title to and all rights. Reporting these alleged late payments has caused the heirs of the estate damages as I have not been able to fulfill my duties due to the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are trying to build a new home and when the bank tried to pull credit, they told me that Equifax was blocked and that I needed to contact them to lift the freeze on my account. I have spent over 15 hours on hold and talking to multiple Equifax customer service reps and each one of them have just told me that they can not access my credit file. They don't tell me that it's frozen, rather that it does not exist at all. They asked me to send in my social and drivers license to get it resolved, so I have done that 5 times now. 

After I had sent over the information multiple times, I finally got a response that my credit file doesn't exist- which is not true. I have existing credit cards, multiple car loans that I've paid off over the years, and my credit report is available through the other two major bureaus. 

Every time I call in or send correspondence, I get the same answer with no other possible solutions. There's no one I can call, no case # I can file, nothing. They are impossible to work with. I just sent them another letter with a copy of my other two credit reports to prove to them my credit should exist.
Product: Mortgage

Two payments were made to Stearns in XXXX for my mortgage and only received credit for one payment. One was made on XX/XX/20 and the other on XX/XX/20 ( each for {$3300.00} ). Stearns does not answer the phone and I have submitted on line 3 requests to credit my account. I have submitted to them bank statements ( showing the electronic payment ), Electronic ID 's of payments, Electronic confirmations from my bank. I don't know what else to do to get them to respond. Any help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently XXXX XXXX XXXX XXXX, unauthorized, pull a credit pull on my account. They used Trans Union and XXXX, XXXX. The information that was sent to me appears to be incorrect, compared to XXXX and XXXX ( credit score and other information ) is incorrect. The file credit pulls occurred on XX/XX/2022. 

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

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

According to 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I demanded this be removed immediately. I have already filed litigation concerning this matter.
Product: Mortgage

I was advised to send this message to you to open a formal complaint concerning violations of VA policies governing the VA loan program by VA venders.

I have a VA loan certificate of eligibility. I own a single family dwelling located in XXXX XXXX XXXX CA. 

I currently hold a 40 year fix conventional mortgage at 4.125 %. 

I began three weeks ago contacting major VA venders such as XXXX XXXX the current holder of the 40 year fix, XXXX XXXX, and USAA, to refinance the 40 year fix into a VA 15 year fix or 30 years fix I filled out an application with USSA and provided them with my personal information including my social security number. I received a call from USAA stating they where not refinancing veterans conventional loans to a VA guarantee loans. USAA stated they were only refinancing VA loans for veterans who have a VA guarantee loan or veterans who are purchasing for the first time. USAA is currently in violation of the TILA-RRSP because USAA received all 6 pieces of information from  the application. 

USAA representative who identified himself as XXXX / XXXX, stated the VA authorized the Venders to put a moratorium on veterans who were trying to refinance from a conventional loan into a VA guarantee loan USAA may also be in violation because I filed out an application relinquishing my SS number. 

I received respectively a XXXX, XXXX, XXXX, credit score. My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My loan balance is {$470.00}, XXXX, and the value of my home is estimate to be over XXXX XXXX. 
I contacted the Department of veterans Affairs Loan department in XXXX and spoke with a VA Loan officer. The Loan officer stated the USAA was in violation of VA policies and that their action could violate their VA venders status. 
She suggested I contact USAA and conduct a three way conversation with the VA to resolve the issue. I contacted USAA today and spoke to  XXXX XXXX # XXXX she stated her company was investigating my complaint but refused to conduct a conference call or go on the record. I was instructed to send this e-mail explaining my experience and as of this e-mail I can not find a VA vender to refi my loan following VA policies.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My information from XXXX XXXX and XXXX XXXX was part of a data security incident in which sensitive personal information was accessed by an unauthorized third party.
Product: Credit card or prepaid card

I am American and had a fraudulent charge of {$5800.00} with foreign transaction fee of {$170.00} on XX/XX/XXXX on my Chase Credit Card. I reported fraud on XX/XX/XXXX as I did not notice the charge until I reviewed my monthly statement later. At that time I checked my other accounts and noticed XXXX XXXX  fraudulently charged my XXXX Credit Card and my XXXX XXXX XXXX for similar amounts. ( XXXX and XXXX determined it was fraud and have since refunded and closed claim ). 

I was immediately given credit for the fraud by Chase after notifying them and later called in XXXX confirming it fraud and was told the dispute is finished. Today XXXX I received a letter from Chase stating I am responsible to pay because I BENEFITED FROM PURCHASE. 

I have no idea what XXXX XXXXXXXX XXXX XXXXXXXX is. It has no website, its XXXX registrations show it dissolved in XXXX, it was registered at an apartment with XXXX other companies. This is obviously fraud and I need CFPB to help me get this reversed. Chases Fraud Protection likely needs to be reevaluated.