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

XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

NATIONSTAR MORTGAGE and XXXX 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: Debt collection

A company by the name AD Astra collections is calling me, my job and family members and is using abusive tactics to collect on a debt. They threaten to have me garnished if I refuse to pay.
Product: Checking or savings account

Opened an account with HSBC that advertised that it would give {$750.00} to new customers who deposited a minimum of {$5000.00} per month for 3 consecutive months. 

I followed their terms and conditions and did that for XXXX, XXXX, and XXXX. I confirmed along the way MULTIPLE TIMES with their chat representatives that all deposits and all terms were being followed. I was told I had met the terms by their agents ( who seem to have been lying to me the whole time deceptively keeping this fraudulent charade ), and then months later have yet to receive funds. 

HSBC are liars and will try to lure you in with false advertisements and then decide months later after you've given them their money, and opening an account, that they won't give you the money they advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account is accurate but their should be no late payments reported to my account please correct all late payments on my credit report
Product: Mortgage

We initiated a simple refinance with Amerihome, our existing loan services, to lower our interest rate at the beginning of XXXX. We were told by XXXX XXXX not to make the XX/XX/2020 mortgage payment due to closing to take place on XX/XX/2020. The closing was rescheduled for XX/XX/2020 due to receiving the title documents on XX/XX/2020 from my attorney. 

From the start of the refinance process I made Mr. XXXX aware that we would have our attorney do the title work. We financed with Amerihome last year and the title work would be less than half of what were were quoted if the company used by Amerihome was utilized for closing. An initial delay was caused because Mr. XXXX forgot that we were using our own attorney and title company. When the request for title work was submitted to our attorney, XX/XX/2020, there was not sufficient information to move forward. My attorney requested the missing loan number and other information. My attorney provided all of the necessary title work on XX/XX/2020. Mr. XXXX informed me we would be closing on XX/XX/2020. 
I also asked Mr. XXXX at this time if I should make the XX/XX/2020 mortgage payment. I was told no because this would cause a change in the payoff amount and further delay the closing. 
On XXXX XXXX I received and email from XXXX XXXX and a phone call from Mr. XXXX staying I should make the XXXX payment and we will close the loan in XXXX. 
Because Mr. XXXX told us we would not have to make a mortgage payment until XXXX, I had to transfer funds into our account on file with Amerihome. The bank lobby was closed due to COVID-19. I was told this would have to be done online. 
I transferred funds and set the payment up on bill pay as usual. We have never had a late payment with Amerihome.

The payment was rejected because by the time the money transferred and the payment was sent Amerihomes online system had us in default and would not accept less than 2 payments. I did not become aware of this until XXXX XXXX. 
I had to call the default department and process a payment through them. 
Now we will have a late payment show on my husbands credit report and we can no longer refinance. 
I have to add that Mr. XXXX became very condescending and was a bully at times. He changed his story frequently trying to cover his mistakes. 
I realize it is a busy and stressful time but I do not feel this situation is fair to us. My lawyer, XXXX XXXX, is also confused as to why the loan didnt close before the end of XXXX. 
There were several other smaller issues with paperwork. 1. I forgot to date a for but I dated and resent. 2. Mr. XXXX was insistent that I didnt sign an electronic form yet when I talked to his assistant XXXX, she said it was a form my husband had to sign and it was already signed and completed. 
We are requesting that this late payment not be reported to the credit reporting agencies. We wanted to make the payment On XX/XX/2020 and on XX/XX/2020, were told not to by Mr. XXXX. He even offered to get the late charge waived. Please listen to the recorded phone calls. 
Thank you, XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the collection accounts reported on my credit report. These accounts was added without my consent, and I believe they are inaccurate. 

Please provide validation and documentation proving that this debt is mine and that I authorized its reporting. In the absence of such proof, I request that you remove this account from my credit report immediately. 

Thank you for your prompt attention to this matter. 

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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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.
Product: Debt collection

I paid my bill of XXXX on the last statement and they for some reason refunded it then closed my account ... i then explian to tjem i did pay and can prove it in my bank statement that the money was refunded and they still closed my CC. I then said if your going to XXXX me then i wont pay whats on the balance. This was a few years back though. I would pay it but i feel they aint goi g to remove it anyways from my report
Product: Debt collection

Portfolio Recovery Associates sued me back on XXXX XXXX, 2014. I had requested validation from them but never received it as requested. I went to court and represented myself and I had requested validation even then but the lawyers did not produce anything to prove it, they still won a judgement against me. When I had requested proof from Portfolio what a did receive was a letter and copies of statements but no contract with my signature. Portfolio now has a Lien on our home and emptied out a small bank account. My right to validation under the Consumer Rights Act has been severely violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report inaccurate balances on my credit report. I have disputed this inaccurate information to all three credit bureaus when my current balance was inaccurately posted at $ XXXX, I have never had a loan with the company in that amount. My loan amount with XXXX was $ XXXX with a lower current balance. I have been making timely payments on this account since its origination. Now, XXXX has again reported an inaccurate current balance of $ XXXX on my credit report which has again negatively affected my credit score. The correct current balance that XXXX has failed to accurately report to all three credit bureaus for the last few months is {$220000.00}. These inaccurate reports to the credit bureaus has consistently resulted in decreases in my credit score without any full recovery once any form of adjustment was made. Its beginning to feel like fraudulent and targeted inaccurate reporting.
Product: Money transfer, virtual currency, or money service

My wife initiated a wire transfer of {$80000.00} from her XXXX  XXXX XXXX account to my chase checking bank account. This is needed as we are in the middle of buying a home. XXXX XXXX XXXXXXXX says the transfer was processed on XX/XX/2022 whereas I still have not received it in my Chase bank account. 

Please advise on how i can track or get a status from Chase bank where the money went. Appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. Despite of the previous written requests, the following fraudulent items are still remains on my credit report in violation of Federal Law. The Three Credit Bureaus failed to comply with air Credit Reporting Act, Section 605b within the time set forth by law. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, which given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I sent in a check for the final bill, which would have paid it in full, they said it was late, but was sent in plenty of time. they charged me a XXXX fee. I closed the account they continued to charge me late fees. and interest on the account. 

They are a dishonest company. 

I recommend that no one use Comenity Capital Bank. They refused to cooperate and ended up charging me XXXX and a promise to continue to charge late fees. 

I have never had any credit card company try to pull this kind of XXXX. Even though the account was closed they continue to charge late fees and raise them each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CPBP, I'm reaching out again on a separate but related issue to my original complaint against XXXX  XXXX XXXX ( XXXX  : Complaint XXXX ). 

Recently, I had to dispute an erroneous late payment with XXXX  XXXX XXXX. They reported that I had made a late payment, which was an error but it resulted in my credit score taking a massive hit. Eventually, XXXX corrected that information so now my account is in good standing, and my credit score, which went from a XXXX to XXXX is now at XXXX. 

However, because of XXXX 's actions, there were domino effects. I had an account with XXXX and had been paying off a 0 % APR balance for 24 months. They decided to close my account based on the information Transunion sent to them, which was based on XXXX  XXXX XXXX 's mistake. They closed my account while I had a remaining balance of {$800.00} because of a report they received from Transunion. Currently, that account shows up as a " settled '' account even though I had been making on-time payments and still have till XX/XX/2023 to complete the payment before the 0 % APR ends. 

I would like to dispute the incorrect information on my account and remove the " settled account '' from showing up on my credit report. When I reached out to XXXX, they told me to contact Transunion as their decision to close my account was based on a letter sent from Transunion. When I reached out to Transunion, they told me to contact XXXX. 

I've attached supporting documentation, showing everything that has happened ( my corrected credit report showing the XXXX  account is in good standing, my communication with XXXX  regarding what happened, the alert I received about my " settled '' account, etc. ) I'd appreciate your help once again. 

Best, XXXX
Product: Mortgage

The loan was taken out by my mom and dad in XXXX. According to the original loan agreement that was sent to us the loan was taken out for {$32000.00} and they were due to pay back {$130000.00} and the loan was to be paid XX/XX/XXXX. The original loan was taken with XXXX and is currently with Fay Servicing. We originally asked the company to freeze the Interest so our mom could pay the principal. They denied that request and said they were honoring the original contract. Our mom and dad had filed bankruptcy on the loan years ago but we don't want to lose the property which has been in my mom 's family for almost 70 years. The house is unliveable and we sent multiple pictures to them to show this. Our parents have been paying on this loan for 27 years and she still owes $ XXXX with no end in sight. Our mother has XXXX XXXX and our dad passed in XXXX. We feel this is a predatory loan and would like for our mom to be able to get the land back. I have filed a complaint with the Attorney General of VA also.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting agency will not update my XXXX XXXX XXXX card as paid off
Product: Money transfer, virtual currency, or money service

Wells Fargo needs to give us back our money that we were scammed out of through XXXX. We did not willingly send these people money - we were under the impression we were speaking with Wells Fargo. And according to the article, the XXXX considers this fraud because we were tricked, making these transaction NOT voluntary, and therefore treated like an unauthorized transaction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

My XXXX got a Wells Fargo text message asking to verify a XXXX transfer, he replied no. The accurate Wells Fargo fraud number shown on their website called my husband right after so he answered. All sounded normal like Wells Fargo, they asked to transfer XXXX money over to WF to block the other transfer and it would be put right back into our account. XXXX charges of {$3400.00}. They said there was also an {$18000.00} wire transfer initiated, he said we did not authorize that. Wells Fargo said the wire department would call him Monday. They called, had my husband wire transfer over {$2300.00}, and {$25.00} - as well as XXXX {$200.00}, and {$800.00}. I immediately called Wells Fargo fraud because I knew he was being scammed even though my husband thought he was helping. We opened up a claim for each charge. Today we got a letter saying the wire transfers couldnt be given back since the bank the money went into would t give it back to them, so our inquiry is closed. We also got another letter saying the {$3400.00} charges claims were denied. Havent heard anything about the XXXX charges yet. But we are now out over {$11000.00} - with the main point being the real and accurate Wells Fargo fraud phone number IS who called us. 

We were given the XXXX money back - and Wells Fargo took it back out of our account last week saying it wasnt a scam or fraud and the money was intended to be sent. Now I will file more claims against Venmo- we also reported the account transferred to XXXX as it was obvious they were doing this to other people. 

I will continue to fight this, as this was not voluntary and banks have billions in insurance. Simply telling people Wells Fargo would never ask you to send money is OBVIOUS now, and not helpful! People are getting scammed out of all their money, and have NO protection from banks, even though its the BANKS real Fraud number calling!
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX College XXXX for summer and fall sessions. I moved from XXXX to XXXX Florida for a family emergency in XX/XX/XXXX. I never received any emails or forwarded mail about my payments or when they would be do. I check my credit periodically and noticed in XX/XX/XXXX that they hit my credit score saying that my payments were late by 120 days and 90 days. I immediately called them and explained the situation and they stated that they could not take it off my credit. I have submitted multiple disputes but none will go through. I have showed that I make all of my payments on time and plan to continue to make them until the loan is paid off.
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. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

A number of months ago I paid off a {$11000.00} balance on my XXXX XXXX XXXX. Transunion never reported the payment on my credit report. I submitted a request to Transunion to inquire/correct the balance. Instead, Transunion improperly deleted the entire account, adversely affecting my credit history by deleting the longest open account. They told me to ask the creditor to report the account to them. I did that and was told it was reported to Transunion, but the account remains unlisted. 
Also, XXXX sold all of it 's XXXX credit card accounts to XXXX XXXX XXXX, transferring balances. ALL the credit reporting agencies incorrectly report account history starting from date account was transferred from XXXX to XXXX instead of from start of XXXX account. In my case, XXXX was opened in XX/XX/XXXX and XXXX replaced it in XX/XX/XXXX, incorrectly deleting 7 years of open account history and adversely affecting credit scores.
Product: Debt collection

I am not liable for this debt with XXXX. Furthermore, I do not have a contract with CREDIT CORP SOLUTIONS. They did not provide me with the original documents.