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

On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. Despite my previous attempt to dispute this information, I have not received a response from XXXX to date. 

I am disputing the information regarding the XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ), which is reported incorrectly on my credit report. I disagree with the Balance of {$5100.00}, as I remember the amount to be lower. Furthermore, the Past Due amount should not be reported because this account is closed and charged-off. Therefore, I request that you delete the Past Due amount and correct the Balance reported for this account. In addition, I ask you to mark this account as disputed, so that it would not influence my credit score while this matter is being investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been numerous attempts at getting the issue resolved regarding fraudulent information being on my credit report. Issues were not resolved. Items were removed from credit report and then inadvertently placed back onto the report. With some items being with other bureaus and some not. They removed XXXX XXXX Account XXXX from XXXX  and Transunion but it still remains on XXXX   credit report as closed and reporting late instead of completely removed. There is also another account also with XXXX XXXX XXXX reporting that needs to be removed from Transunion, XXXX, & XXXX. I have reached out to the bureaus and also spoken with account holders to no resolution these accounts are being very detrimental to my credit score and hindering my future business endeavors. I would like this issue to be resolved finally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. I was reviewing my credit information and I found fraudulent activity on my report. Please open an investigation and remove these accounts from my credit report.
Product: Debt collection

I request that my account with XXXX XXXX company, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX close my account aftXXXXr nine years with them in XXXX. I never received a respond so I called them on XX/XX/year> and spoke to XXXX different people and was finally sent to the Customer Loyalty department ( XXXX ) XXXX in which I was told handles closing accounts. This was after being on the phone and explaining my situation XXXX time for over XXXX XXXX hours. 

The person told me that I still owe {$100.00} for equipment. I dispute that because I've had the account for over 9 years and up to date with payments at that time. So I agreed to pay the {$100.00} if they would send me a email stating that my equipment bill was up to date. I was told that my account would be closed, but the following month I continued to receive bills from XXXX I call the Loyalty department again after receiving XXXX more bills and ask to speak to a manager. While on the phone the manager agreed that this should never have happened and he would make sure that the account would be closed and gave me his direct office phone number. ( XXXX ) XXXX. I received a letter from the Loyalty department stating that my account was officially closed. ( See attached ) Then on XX/XX/XXXX I received a letter from TSI, Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX ( XXXX ) XXXX stating that I owe {$360.00} from XXXX XXXX I called TSI and they informed me that this originated from XXXX. I told them that his account was closed and I had correspondence that it was closed. On XX/XX/XXXX I sent TSI copies of the XXXX closure correspondence I have with XXXX. They informed me that the account number that tie XXXX to this account was # XXXX. 

I called them today XX/XX/XXXX and they told me that they have not received the correspondence and refuse my request to email them. 

This has gone on for a year and my credit report has not been corrected at this time.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from Credit plus which was made on XX/XX/2016. I checked my credit report, which I acquired from XXXX. I have contacted credit plus, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Product: Mortgage

Carrington Mortgage services changed their payment address for bankruptcy accounts and did not inform their customers. I never received notice that my payment would not be received. When trying to understand why they did not contact me, all I received was the statement " because of the bankruptcy ''. This is an unfair practice and has exposed me to fees and possible failure to submit payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when I was not receiving statements because I thought that loans were in deferment
Product: Student loan

I submitted application of ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX on XXXX Attend collage from XXXX Amount {$74000.00} and {$12000.00} in interest College location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX college closed )
Product: Checking or savings account

My personal and business account were fraudulently accessed and drained. Wells Fargo gave me multiple different contradictory explanations on what had happened. I spent over 15 hours on the phone with a fraud supervisor going over all transactions and confirming all fraudulent transactions. I was told my accounts ( after they had been drained to {$2.00} and {$55.00} ) suspended but 2 days after they were " closed '' they allowed whoever had gained access to draw another {$5100.00} out taking me into the negative, even though I had overdraft protection OFF. I have spent around 65-70 hours on the phone with Wells Fargo along with 4 trips to a branch and have gotten nowhere. I was refunded {$3600.00} but am still owed {$8400.00} and they have denied the claim and said the in bank checks were authorized by me, which is 100 % false. Due to the extreme incompetence of multiple employees when my case was reviewed a complaint was started by the banker and it was escalated to the executive office. They did call me and stated they planned to have a resolution within 24 hours, and promised me a return call that afternoon. Instead of returning the call, they sent me an email stating they needed to do more research and would get back to me by XX/XX/XXXX. This case was started on XX/XX/XXXX. I have been promised so many things by Wells Fargo and they have no came through on any of their promises. I am getting the complete run around. I was assured that the in bank checks that were fraud was part of the initial claim and they were not, even though I had reviewed them 3 times with 2 different fraud bankers. After finally getting a new claim number for the fraudulent checks I called multiple times for an update and could never get in touch with someone that could help but was assured someone would call me. Of course nobody has ever called but I got a letter today saying my claim has been denied and closed as the checks were authorized by me. This is 100 % false. I was not even called by an investigator and asked about this. If they were done in the bank as they say they should easily be able to check the branch location and footage and see I had nothing to do with it. The 5 fraudulent checks are XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XXXX, XXXX, and XXXX. 

I have called to dispute the closed claim and was told the investigators do not accept phone calls and the employee in fraud told me since the claim was denied there was nothing she could do to help me. This entire situation has been unbelievable!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing today to submit two complaints concerning Wells Fargo Card Services. 

During XXXX, I spoke over the phone with representatives from their Credit Dispute Department and their Recovery Department on four separate occasions regarding this account. During three of the four interactions, I was incorrectly informed that a 1099-C was pending. During three of those calls, no one could offer me an estimated time for how long this pending action would take. Finally, on XXXX XX/XX/XXXX, when calling for the fifth time, I was once again told that the 1099 was pending. After disagreeing that that could be possible, the representative investigated more deeply and discovered the truth : that on XXXX XX/XX/XXXX, the 1099 was mailed out ( though I never received it ) and had never been pending during any of those phone conversations. Upon my request, the representative mailed me a new copy of the 1099-C. 

My first complaint, therefore, would be poor record-keeping ; Wells Fargo consistently provided incorrect information, only finding the answer after I insisted that something was amiss during a fifth phone call over the course of 14 months. 

My second complaint involves their policy concerning how they report this account to the credit bureaus. They have continued reporting the account as charged-off with a balance due of {$5900.00} every month following the issuance of the above referenced 1099-C for tax year XXXX. Unable to resolve this reporting over the phone, I submitted a dispute to all three credit bureaus XXXX XX/XX/XXXX, but Wells Fargo stands firm that they are reporting correctly. 

Well Fargo is forcing me to declare {$5200.00} as income while simultaneously reporting that written off amount on my credit report, severely damaging my credit score. The issue here is that I am legally obligated to pay taxes on the above amount as income, which Wells Fargo has written off. Simultaneously, they claim that I owe them this written off amount. Such action unjustly doubles the debt to which I am responsible, an outcome not legally acceptable. One can not be punished for the same crime twice and one can not owe the same debt twice. 

I appreciate your assistance with these issues.
Product: Mortgage

XX/XX/XXXX. Ch.XXXX - Medical hardship XX/XX/XXXX Initiated loan modification requests due to medical hardship XX/XX/XXXX Loan modification granted with provisions for escrow of property and home insurance. No breakout of interest vs. principal loan term extended 14 months to capitalize missed payments in Spring of XX/XX/XXXX during family medical hardship shared. XX/XX/XXXX, XXXX XXXX contacted Cornerstone on balance owed and pending home sale. XX/XX/XXXX and XX/XX/XXXX- sent requests to Cornerstone requesting monthly informational statements and only received payment coupon for the month. XX/XX/XXXX. Signing with title company to facilitate sale of home. Balance stated on payoff is NOT what was shared on XX/XX/XXXX phone call, a variance that is not explained in the payoff sheet. Home is scheduled to transfer possession on XX/XX/XXXX. XXXX XXXX / Cornerstone Mortgage even after the discharge on XX/XX/XXXX and repeated calls was not forthcoming in balances owed or payments made by owner. This has created an additional hardship as we close on our home.
Product: Credit reporting or other personal consumer reports

I'm sending a notice of dispute due to inaccurate information reporting on my credit report. 

Please update or delete the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute with XXXX  on XX/XX/XXXX into the inaccurate reporting of debts with XXXX XXXX. I do not owe these debts and have provided adequate proof. Yet XXXX  is still reporting. 

XXXX XXXX is reporting I owe them amounts related to two apartment complexes. This is false. I worked through a Corporate employer program to apply last summer at communities with a Preferred Employer corporate program for XXXX XXXX XXXX XXXX employees in XXXX, TX. The preferred employer program waived all application fees. In each instance the application was denied. However, they are trying to collect and Administrative fee with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX P : ( XXXX ) XXXX | F : ( XXXX ) XXXX | rentatrosehill.com which was to be credited back in the event of denial. XXXX XXXX issued a Denial on XX/XX/XXXX with email from leasing staff XXXX XXXX. I never leased at these communities or vacated leases. I have never resided and any amounts attempting to be collected are not mine and not owed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX can not charge for a deposit and admin fee when they denied application on XX/XX/XXXX and refused to lease to me. They were supposed to credit back application fee for preferred employer. XXXX XXXX is in direct violation of the FCPA guidelines as they are reporting this to all major credit bureaus in direct violation of FCPA.
Product: Mortgage

I was unemployed due to covid 19 hardship and now am facing hardship with my mortgage payments. I'm also considered high risk with XXXX XXXX  that could make me very XXXX if i end up getting XXXX XXXX  which makes it harder. 
XX/XX/20 I called shellpoint to ask to give me 180 days of forbearance under the CARES ACT with an option for another 180 days. but they were clueless and were asking for bank statements ( which they shouldn't have ). Please HELP
Product: Debt collection

I called and they did not give me much information on the debt at all. after finally doing some research I called them back and decided to pay the debt in full. they would only do a transaction by me giving them my routing number and account number which they would make a check out in my name to pay off the debt. It if very dangerous to give out your routing number and account number. I paid them off in full and then they refused to give me any kind of transaction record or receipt. they claimed they will only send it out by mail only after everything has cleared which can take up to 30 days to receive a mailed receipt. they were very rude and unprofessional. I do not agree with the way they handle business and do not think they should be able to conduct business this way or business at all in the future. all I want is some proof of a transaction since I am giving them my account number and routing number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I noticed that Harley Davidson opened a closed account in Charge-off status. I made a phone call on XX/XX/2022, the person stated that they opened the account with it in dispute. They are also showing that I have a monthly payment. I did attempt to make a settlement payment of {$800.00}. The person stated that Harley Davidson would not take the payment.
Product: Credit reporting

I disputed the information twice on Transunion as fraud, they investigated and failed to remove. I called the collection company ( XXXX ) and they refered me to XXXX. I called and it was not event my name or social security number, they claimed mistaken identity, yet this was on my credit rating, and I contested this??? What kind of investigation was done, and why is there so much incompetence? XXXX said that I should be getting this removed and a confirmation letter in a few days all I got out of them was XXXX XXXX and XXXX XXXX, in XXXX, TX was where the bill came from. They assured me it was not idenity theft as this person did not have my SSN, was the claim, but then how did this occur??? Please investigate this and follow up # XXXX in the amount of {$780.00} XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX  XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX  XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit card or prepaid card

I never paid my account late yet the credit card company has me down for making my payment late XX/XX/2020. I went online and made my payment and the system gave me a confirmation that the payment was made yet the company is trying to say that the payment didn't post to my account causing a late payment. It is not my fault if their system was having problems that isn't fair to me at all.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX  NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX WY XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$150.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS A FRAUD LISTED ON MY CREDIT REPORT XXXX {$350.00}