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

Consumer Name XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late. 

XXXX OF XXXX - XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XXXX XXXX 30 to 60 days late XX/XX/XXXX XX/XX/XXXX days late XXXX XXXX, XXXX XXXX XXXX 30 XXXX 60 days XX/XX/XXXX XX/XX/XXXX days I was never late.
Product: Mortgage

During XXXX, my husband 's hours were cut, my Mom who had XXXX had reached the maximum payout for her long term care, so I became her full time caregiver and XXXX of my children moved back home. We were having difficulty making the house payment, so I called the lender and they granted a forbearance over the phone. I did not sign any paperwork nor was anything discussed regarding payment arrangements. I extended the forbearance in the same manner several times. 
There are 3 homes on the parcel, 2 of them are rented. The XXXX came in XX/XX/XXXX, because the tenants turned the rentals into XXXXXXXX XXXX XXXX. My husband and I were XXXX  and they never went after the tenants. We discovered a water leak in the main home that did {$140000.00} in damages. The lender, SPS was aware and received the insurance payments to disburse. 
Once the remodel was completed in XXXX, we were once again able to rent the homes and began making mortgage payments. The lender rejected the payments and in XX/XX/XXXX filed a Notice of Default. 
Since this time I have been working with the lender to reinstate the mortgage, but they are insisting on {$100000.00} in back payments. I was assured the foreclosure would be halted while we were attempting to make arrangements. 
Yesterday I was notified they have moved forward with a foreclosure sale dated XX/XX/XXXX! I have been unable to speak with anyone other than a customer service rep to go over any repayment options. California has a program where they offer up to {$79000.00} to bring the loan current, but I am unable to speak to anyone about an arrangement to lower the total to at or under {$79000.00} and possibly place the remaining balance on the back end of loan or make additional principal paydowns. 
SPS Servicing is the servicer, XXXX XXXX  is the lender and XXXX XXXX XXXX Processing is the one who filed the sale date. I just received the name and number of the attorneys involved, XXXX XXXX XXXX in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing rhis complaint regarding the delayed correction of late open accounts with your company. 

I have yet to receive any updates or resolutions regarding the status of my account opening requests. Given the urgency of this matter and the impact it has on my ability to access and utilize your services, I am reaching out once again to request immediate action. 

The prolonged delay in correcting these late open accounts is not only inconvenient but also reflects poorly on the level of service provided by your company. As a valued customer, I expected a more efficient and responsive resolution to this issue. 

I kindly request that you prioritize the review and processing of my account opening requests to ensure their timely completion. Additionally, I would appreciate regular updates on the progress and expected timeframe for the resolution of this matter. 

Please be advised that the continued delay in addressing this issue may compel me to seek alternative service providers. I trust that you understand the importance of resolving this matter promptly and will take immediate action to rectify the situation. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I paid off my one credit card in full, during the pandemic no less. Experian then proceeded to lower my score by 20 points. I have been working hard to repair my credit & was 10 points away from obtaining a " good '' score. Instead I was severely penalized for paying off a debt. I'm sure there's some legal loophole allowing this, but this doesn't seem right. I haven't been late on a single payment in years & this has been a huge setback that will take who knows how long to repair. I couldn't figure out how my score had gone down as there were no new negative items on my report so I had to have Experian explain this to me. They explained that since I paid off a {$100.00} something credit card balance, my score dropped 20 points. These credit reporting agencies should not be allowed to decrease credit scores for payment of debts. I would like this issue addressed. If this is a legal practice, it needs to change as it is not in the best interest of consumers who are trying to do the right thing. So now instead of being able to refinance my car loan, I have to work on building back 30 points instead of just 10.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is from a business account not my personal account. The company was severely impacted by covid 19 and has not been able to revive. This should not be reflected on my personal credit as I have struggled to maintain a respectable credit history and find it unjust that they would tarnish my personal credit because my business was so badly impacted by Covid 19 that it was unable to pay this credit card. I ask that this be removed from my personal credit history as it's a business account and should reflect solely on that. This was a hard situation to go through as a business and going further to try and attack me personally is simply unjust and unnecessary. No one was prepared for the impact Covid 19 took on our world why go the extra mile to make this that much worse is beyond me.. I ask that you please help me in this situation. Thank you in advance for your understanding and help. 

Kind Regards,
Product: Credit reporting or other personal consumer reports

I'm disputing this account on my Experian report because I believe there is an error. According to the XXXX XXXX XXXXXXXX XXXX  guidelines. I am entitled to have in correct or outdated information corrected. I have been trying to resolve this matter, but it is causing unnecessary stress on my financial well-being. I've already contacted the XXXX collection agency to no avail, and I would like to request that Experian XXXX this issue under the provisions of the Fair Credit Reporting Act ( FCRA ) to ensure my credit report is accurate.
Product: Money transfer, virtual currency, or money service

Account was hacked with Bank of America. Fraud/Scam within the same hour of the same day. {$300.00} via XXXX XXXX and {$3000.00} via XXXX XXXX Bank of America. I called Bank of America when I realized what happened. I asked for the payments to be stopped and I reported the case. This was in XX/XX/2021 ( I think XX/XX/2021 ) Bank of America opened the case but never opened a new account for me or issued a new card. Nothing. Finally after calling every few days or sometimes days in a row and speaking with several different managers they say they will issue a provisionally credit on XX/XX/2021 in which they did not do and said that it was authorized from my phone. I expressed that my XXXX XXXX XXXX  can not operate a phone in that manner. I did not authorize. They then denied the claim on XX/XX/2021. I then resubmitted and have since had several calls from scammers saying they are Bank of America and XXXX and asking me to verify my information. The bank has not given me any of the funds back as they said they cant retrieve them. They said this was done from my device but there is no way. I have now reported this with XXXX in the event that my device had been hacked. 
I still have an open investigation with local authorities as well. 
Im out {$3300.00} that was in no way shape or form authorized and Im completely devastated that a bank does not have insurance to cover situation like this in order to return the funds to the rightful owner.
Product: Credit reporting or other personal consumer reports

I was shocked to see unauthorized inquiries on my credit report earlier today, and I cant figure out the reason. I routinely check my report, but this time something was clearly wrong. After refreshing my browser multiple times to ensure it wasnt a system glitch, the problem persisted. Im really frustrated by this and urgently request that the documents Ive submitted be carefully examined to resolve the issue once and for all.
Product: Mortgage

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX just called. She told me someone in underwriting made the decision to cancel this file due to the buyers proof of funds not matching on page 1 and 2. ***Please see attached the total amount deposited in XXXX on page 1 ( {$860000.00} ) MATCHES EXACTLY the amount of page 2 showing TWO deposits on the same day ( {$460000.00} and {$430000.00} ) which total $ {$860000.00}. It is clear that there were TWO deposits on XX/XX/XXXX from TWO separate accounts that total the amount showing as deposited in XXXX. 

XXXX REFUSED TO TRANSFER ME TO A MANAGER. XXXX REFUSED to send this back for review and instead CLAIMED THE BUYER CAN NOT EVER PURCHASE THIS PROPERTY. 

XXXX LIED TO ME SHE IS IN FACT THE UNDERWRITE FOR THIS FILE. ( see attached screenshot showing XXXX XXXX as the underwriter. ) She likely lied to me when she said that it was someone else that made the decision to cancel the file. SHE is the underwriter and SHE most likely made the decision on her own to cancel this file. It is obvious that XXXX XXXX is a XXXX and follows the rest of Bank of America in its XXXX dealings with minorities. 

I question whether XXXX, or if it was indeed not XXXX who made the decision to cancel the file, is illiterate or whether Bank of America has gone the way of XXXX in hiring people from THIRD WORLD COUNTRIES to MAKE CREDIT DECISIONS FOR US CITIZENS???? 

WAS IT REJECTED BECAUSE BANK OF AMERICA, ONCE AGAIN, HAS DETERMIED THAT A MINORITY CLIENT IS UNWORTHY OF THE SAME TREATMENT OF A XXXX   BORROWER????? 


WE CANT BELIEVE BANK OF AMERICA IS SO STUPID THAT THE CAN NOT EVEN READ A BANK STATEMENT???? 

WAS THIS REJECTED BECAUSE IT WAS A BANK STATEMENT FROM THEIR COMPETITOR????? 

WAS THIS REJECTED BECAUSE THE PEOPLE MAKING CREDIT DECISIONS AT BANK OF AMERICA ARE XXXX???? 

WAS IT REJECTED BECAUSE BANK OF AMERICA, ONCE AGAIN, HAS DETERMIED THAT A MINORITY CLIENT IS UNWORTHY OF THE SAME TREATMENT OF A XXXX   BORROWER????? 

Oh and by the way, the signor for the buyers company is also a minority. DOES THAT MEAN BANK OF AMERICA IS TRYING TO BAN NON-XXXX PEOPLE FROM PURCHASING PROPERTIES??????? 

This complaint will also be copied to the Attorney General. 

Have XXXX XXXX, the person listed as the president, feel free to call us.
Product: Mortgage

I am the Executor of the Estate of my Parents XXXX ( DOD XX/XX/XXXX ) and XXXX ( DOD XX/XX/XXXX ) XXXX. They had a reverse mortgage on their home. In order to sell it and to satisfy the debts it needed to be repaired to get a certificate of occupancy which we received in XX/XX/XXXX when all repairs were completed. Since the date of my mothers debt I was told to communicate to the lender, Plaza Home Mortgage of all efforts to sell the house in the interim which i dutifully did. I was told that I would have until XX/XX/XXXX to sell the home before foreclosure proceedings started. In XX/XX/XXXX we got an offer to purchase the property at XXXX XXXX XXXX XXXX NJ for {$170000.00} more than the reverse mortgage. I communicated this offer immediately to Plaza. Almost instantly i began to receive foreclosure notices from their law firm in NJ XXXX, XXXX and XXXX demanding that the debt be satisfied by XX/XX/XXXX. I called Plaza and they said that they are required by ls to start foreclosure proceedings 1 year after the DOD of the last named owner of the home. I am now being subjected to mass mailings from the predatory lawyers for demands of foreclosure on the home even though i have explained that we have a pending offer. We have to pay for each of these letters even though they are not needed. I think that this is scam to make money for the law firm. I called Plaza repeatedly and was hung up on, told to " deal with it '' and hopefully the house will be sold before it is foreclosed. I do not think that this is in the spirit of the reverse mortgage program. I complied with every instruction and date given to me by Plaza and was told that i had until XX/XX/XXXX to sell the house. Being in foreclosure make sit more difficult to sell a home and its worse when accumulating legal fees from a predatory law firm that i have no control over
Product: Mortgage

I have a mortgage through Wells Fargo. After several months, I saw an offer from their website saying I could obtain " significant '' savings on interest and cut years off my mortgage by changing from monthly to biweekly payments. I elected to do so, and only months later did I learn that the bank merely holds the first payment and does not apply it until the XXXX payment arrives. I was led to believe that payments had to be applied when received. I sent them an email saying I believed their practice is deceptive at best and predatory at worst. The question is, is it legal for them to do so? Is it legal to do this without proper disclosure? I requested that they retroactively apply my XXXX biweekly payment each month to the mortgage on the dates they are received. They refused. I spoke with an officer at another bank who said doing so is " common practice '' in the loan industry. If so, and if it is legal to do this without disclosure, then please ignore this complaint. If not, then I wish merely to have my payments applied as of the dates received and a new amortization schedule sent to me. Aside from this, I am quite satisfied with my bank. **Please note that on XXXX XXXX, XXXX XXXX sent me a letter fully explaining that the biweekly ( " partial '' ) payments are withdrawn from my bank account and placed into an " unapplied funds account '' until the " full monthly payment '' is received. XXXX sent me a new amortization schedule as well. Further, she said the bank is placing a " XXXX-day hold on any negative credit reporting '' for my account to ensure no " adverse information was sent to the consumer reporting agencies while we researched your concern ''. The wording sounds like a potential threat that the bank could ( if it so chooses XXXX send " adverse information '' to the credit reporting agencies because I sent a " concern '' their way.
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car accident in the middle of XXXX. The insurance company totaled the car out and had some issues with making a payment out to XXXX XXXX. I contacted them and made them aware of the accident after they threatened to repossess the car. I communicated with both the insurance company and the lien holder to make sure XXXX got their payment. I let them know it would 7-10 business days to receive their payment. I sent them proof, and on XX/XX/XXXX they gave an extension to my account. On XX/XX/XXXX, they put a repossession on my credit and classified my account as a charge-off. They received their payment on XX/XX/XXXX, as promised. Now I can not buy a new car without a massive down-payment and crazy interest rates, and have been paying out of pocket for a rental ; because of the repossession/charge-off on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed accounts that I have had are still reporting hard inquires on my credit report.

Closed accounts that I have had and are paid are still reporting hard inquires on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$5500.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our recent communication regarding unauthorized accounts on my consumer report. These accounts are linked to identity theft and were included without my written consent or wet signature. I formally request the immediate blocking and removal of these fraudulent entries from my report. 

The presence of these inaccurate accounts has caused me considerable emotional and financial hardship, misrepresenting my true credit history and obligations. These fraudulent items have impeded my ability to achieve critical financial milestones, including purchasing a home and providing for my family 's needs.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ XXXX  ] [ XXXX XXXX XXXX ] [ XXXX, XXXX  XXXX ] Subject : Dispute of Inaccurate Information on Credit Report 15 U.S.C. 1681o Dear XXXX, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found the following inaccuracies, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, relating to civil liability for violations. 

Item to be Disputed : [ XXXX XXXX XXXX ] Nature of the Dispute : [ I believe the information is inaccurate, including details like incorrect account balances, dates, or the presence of accounts that do not belong to me. ] Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and correct any errors. The information in question does not accurately reflect my financial history, and I am requesting the removal or correction of the disputed information. 

Additionally, I would like to remind you that under 15 U.S.C. 1681o, I am entitled to civil liability for any damages caused by the inclusion of inaccurate or unverified information on my credit report. If the dispute is not resolved in accordance with the FCRA, I will consider all available options for seeking redress, including legal action. 

Please conduct a full investigation and provide me with written confirmation of the resolution, including a copy of the updated credit report once the dispute is resolved. 

Enclosed are copies of the relevant documents supporting my dispute, including [ any documentation you are submitting such as billing statements, letters, or court documents ]. 

Thank you for your prompt attention to this matter. Please provide me with the results of your investigation within 30 days, as required by law. 

Sincerely, [ XXXX XXXX ]
Product: Checking or savings account

Went through video identity process was verified went to take my first payment everything was fine then I received an email stating that they was unable to verify my and that if they can not complete verification more info may be asked for no info was asked my account was closed and now my Money is being held I asked for reconsideration they replied back that they reconsidered it but still unable to verify I asked what info was used in this verification they said they are unable to provided me with that information my identity was verified because I was unable to accept payments until I was verified
Product: Money transfer, virtual currency, or money service

You sent {$990.00} to XXXX XXXX XXXX XXXX XXXX, Your money transfer has arrived in XXXX XXXXXXXX XXXX XXXXXXXX XXXX  account! 

Here 's a receipt of the transaction for your records : Transaction Time XX/XX/2024, XXXX XXXX EST Confirmation Number XXXX Sender Name XXXX XXXX XXXX Name XXXX XXXX Recipient Number XXXX Date Funds Available XX/XX/ Total Sent XXXX USD Exchange Rate XXXX XXXX USD Total to XXXX XXXXXXXX XXXX XXXX XXXXXXXX Auth Code XXXXXXXX XXXX XXXX Email us at help @ sendwave.com if you have any questions about this transaction! 

Ps. How did we do? Please take a couple of minutes to complete a very short survey Sendwave | http : //sendwave.com For security reasons, you can not unsubscribe from payment emails. 
XXXX XXXX dba XXXX  dba Sendwave dba XXXX XXXX XXXX XXXX # XXXX, XXXX, MA XXXX Sendwave Support : ( XXXX ) XXXX You can cancel within 30 minutes of initiating the transaction, unless the funds have been paid to the designated recipient or deposited in the designated bank account by calling Sendwave Support at ( XXXX ) XXXX or emailing us at help @ sendwave.com. This receipt identifies funds have been paid so it is unlikely you can initiate a cancellation request. Please contact Sendwave Support if you have questions about your transaction. 

*Your recipient may receive less due to fees charged by the mobile wallet provider, by a bank and/or foreign taxes. 

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days by email ( help @ sendwave.com ). You can also contact us for a written explanation of your rights. For more details see the Remittance Service Agreement, Section 14 ( www.sendwave.com/tos ). 

If you still have an unresolved complaint regarding the company 's money transmission activity, please direct your complaint to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX phone : XXXX XXXX You can also contact the Consumer Financial Protection Bureau XXXX CFPB at : XXXX XXXX ( TTY/TDD ) www.consumerfinance.gov