23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX, XXXX reported to EquiFax in XXXX XXXX that my responsibility for the $ XXXX mortgage had been Discharged in XXXX XXXX. 
I sent EquiFax , along with XXXX and XXXX, the Re-Affirmation Agreement executed by XXXX XXXX XXXX, my husband XXXX XXXX and I to prove that the note was not Discharged. 
XXXX removed the XXXX, XXXX account from my credit file for violating FICA rules, but EquiFax , in this complaint, have allowed XXXX, XXXX to change the status of my account from Discharged, in Default, back to Discharged but Consumer Disputes this Information ; Re-Affirmed, Consumer Disputes this Information, Re-investigation in Process, to currently, Foreclosure proceedings in process. XXXX XXXX XXXX has only completed the Military Service not filed an Affidavit with the Registry of Deeds, such that Foreclosure process has not begun as yet. 
In each instance of a change to XXXX account status, EquiFax does not change the " Date Last Reported '' - it 's been XXXX/XXXX/XXXX for six years.
Product: Debt collection

First, i do not owe the original company any money because i did not do any businesses with them. I requested Validation of debt. The documents sent to me to validate the debt do not show my name nor my signature as the person liable for the debt. I informed SouthWest Recovery Services that this is a fraudulent debt and it needs to be removed from all 3 credit bureaus. I have sent Southwest Recovery services a notarized letter with my name ID and signature so they can see the debt they are trying to collect on does not belong to me. They still have not removed the debt collection from my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024, and notice some things are still incomplete and not accurate. Account are still not updated. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates 15USC 1681 ( a ) Accuracy and Fairness Of Credit Reporting.These Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


All disputes are authorized by me and sent by mailing service that I use, it is not illegal to use a mailing service. Transunion please investigate my specific dispute authorized by me attached below ( The Document attached is my dispute ). Read the whole documents fully. 


[ XXXX XXXX XXXX XXXX ] This account is not reporting consistent with the other Consumer reporting agencies on XXXX and Transunion. This account is inaccurate and incomplete ( Please see attachment first dispute attachment labeled XXXX below. 


[ XXXX XXXX XXXX ] Open date is not reporting incorrectly and not the same with XXXX and XXXX reporting, Balance is not correct and inconsistent with XXXX and XXXX ( The correct balance see attachment XXXX ) Date last activity is not correct and is inconsistent with XXXX and XXXX reporting, date of last payment is not correct and is inconsistent with XXXX and XXXX reporting. It's showing a balance. You can not report a balance on accounts charged off. 

The XXXX XXXX XXXX Balance is Incorrect. Please see the correct balance XXXX sent me. ( See attachment XXXX below ) [ XXXX XXXX XXXX XXXX ] This account is deleted and is not reporting on XXXX and XXXX report. I sent XXXX XXXX XXXX a Cease and Desist Refusal to Pay Letter ( See letter attachment below ). Transunion you are still the only one reporting this account. ( Please see attachment labeled XXXX ).
Product: Credit card or prepaid card

I ask for relief during the pandemic just like I ask for relief on all my cards and I was given relief now that I have to start paying my bill is {$580.00} over the limit by {$400.00} my bill normally around {$100.00} last time I called in I believe its the interest that happen during the relief but to be honest I have 10 other credit cards and a couple are over the limit and the bill is no where near this high. When I called last month on XX/XX/20 a representative advised me that my bill will be {$290.00} on XX/XX/20 I have that called record on my phone. This needs to be reviewed because something is wrong here. Im a single mother and Im XXXX. I have had XXXX and I dont need the stress I have no problem paying my bill but {$580.00} is way too much to expect me to pay. I was suppose be paying this card off but the check was delayed due to a date was cancel because of the COVID virus by my lawyer. I really need this to be adjusted due to I can not afford to pay that amount. Out all my cards that gave me relief during the pandemic this is the only one like this it seems like something is majorly wrong. I been having my 11 credit cards for years and been over limit but I have not ever had to pay this much on a card. I  just feel like Im being discriminated against because Im XXXX. Thank you for your time. Have a wonderful day.
Product: Bank account or service

THE PURPOSE OF THIS COMPLAINT IS THE FOLLOW UP ON CASE NUMBER XXXX. 
THE COMPLAINT IS AGAINST COMERICA BANK. 
THE PERSON CONTACTED WAS XXXX AT ( XXXX ) XXXX XXXX. 
MESSAGES WERE LEFT ON XXXX XXXX 2015, XXXX XXXX 2015, XXXX XXXX 2015. THERE HAS BEEN NO REPLY TO DATE. 
THE INITIAL RESPONSE FROM THE RESPONDENT IS NOT SATISFACTORY. 
THE FIRST RESPONSE OF THE RESPONDENT IS NOT AVAILABLE. 
COMPLAINANT TRIED TO LOG ON TO CFPB ACCOUNT BUT THE SYSTEM DID NOT ALLOW ACCESS TO THE DOCUMENTS. 
CFPB WAS CONTACTED BY PHONE ON XXXX XXXX 2015.
Product: Mortgage

I applied for a mortgage assumption in XXXX of 2022 and the assumption process has still not been completed. In the pasts month I emailed all the individuals that I received contact information for with Mr. Cooper as no-one would ever follow-up with me. Here is an excerpt : " I am emailing all of you at once because this is now my XXXX email I have sent to Mr. Cooper associates in the past year. No one has ever responded via email even though I have been told multiple times that this is the means of communication and that the policy is that I will be receiving emails and/or phone call responses within 48 hours of correspondence as my account has been " escalated ''. I've also provided my availability each time I've made a request, and in the XXXX other emails and about XXXX calls I've made since XXXX, I have not received a response during my availability. There are absolutely XXXX acceptable reasons as to why Mr. Cooper has failed to service this account per contract agreement terms. Mr. Cooper 's failures have cost me over a year 's worth of mortgage payments ( not to mention utilities, gas, job opportunities, etc ) due to this not being resolved. This process has been an absolute nightmare and Mr. Cooper 's ( lack and flippant ) actions have been horrendous. '' In the past week I have requested information about the underwriting process twice to the same individuals and have not received any responses. I have also made multiple attempts to get basic questions answered and no-one has provided any responses to these questions. 
I am now on month XXXX since I initially began this process and still can not get Mr. Cooper to provide me with basic information and/or responses to my questions. They have also canceled my application 3 times without notifying me and have pulled my credit twice during this process, giving away my private information to companies not related to my assumption request.
Product: Credit reporting or other personal consumer reports

I have hard credit inquiry,XXXX that are not me doing this, no permission has been given for XXXX hard inquiries, it's not me applying in my name, XXXX was in XXXX XXXX iv nit been a XXXX  since XXXX when I got divorced, XXXX recent from same company denial letters XXXX XXXX that's not me, someone has been applying in my name, I'm not applying fur credit cards at all or bank loans in Kentucky XXXX XXXX 2 x in Kentucky iv never given anyone permission to check my credit at car dealers in Kentucky ever, I live be in Illinois . There is identity theft going on here XXXX hard inquiries now on my credit report and it's not me applying fur anything. I don't have a denial letter yet from a XXXX hard inquiry that just happened more recently by XXXX XXXX again, I need to screen shot the other XXXX hard inquiries to send that's on my XXXX XXXX report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Sometime around XX/XX/2021 I applied for a credit card on American Express, XXXX XXXX  XXXX, I applied for this credit card to get to XXXX miles bonus and {$200.00} statement credit, I had to spend any amount of money on XXXX XXXX to get {$200.00} credit statement and {$2000.00} or more to get this bonus promotion of XXXX miles. I did complete the requirements and american express never gave me the promised promotion. I aksed for an explanation, they told me that it could be for having alredy used this promotion before, which I never applied for this promotion. they told me that it also could be becuase I had used other credit card, which is not true, they never provided to me any clear explanation why I was never given the offer. I submitted 3 different disputes and none of them gave me a real answer of why I never qualified. after a extensive research of finding reason why I did not get this promised promotion, I got to the conclusion that I deserve to get this bonus offer from american express, but they never helped me to solve this unfullfilled promised. 
american express unresolve disputes : case XXXX case XXXX case XXXX by XX/XX/XXXX customer service seemed not to care about my complains and never helped me to provided what I was promised
Product: Credit card

Opened a XXXX XXXX XXXX Bankamericard World Mastercard account XX/XX/2016 to assist with my new business. I also sent in the form for automatic payments from my bank account to ensure that payments were on time and my credit remained good. I noticed today on my statement which I received XX/XX/XXXX, that there was a late fee. I called to see why a late fee was charged as I had automatic payments set up from my bank account and therefore there should be no late payments. The customer service representative said she could find no record of my automatic payments and I was also going to be charged another late fee for missing the payment date XX/XX/XXXX. She believed me about the payments I believed were being automatically taken from my checking account and offered to remove the late fees ( XXXX ). She discovered that my credit card account had been closed a month after I received it, ( XX/XX/2016 ), for the reason " that I had other sources of credit ''. She said a letter had been sent. I did not receive such a letter and was shocked to hear this. I asked if I could talk to the manager of customer service and was put onto XXXX XXXX. 
XXXX asked me if I had looked on my statement. I told her I am very vigilant about looking at my statement and that the late charge I had just seen on my statement was why I called in the first place. There was nothing on this or my other statements telling me the account was closed. This may be the reason the automatic billing was not put in effect. I believe that consumers should have information as important as cancellation on their statements and that my late charges should be forgiven due to the circumstances of my believing I was on an automatic payments system. Even more important, my credit should not be impaired for events I was unaware of and could not remedy. I also do not understand why a card was given to me in the first place if it was going to be cancelled the next month.
Product: Checking or savings account

Months ago, when I opened my account, the business banker ( XXXX XXXX XXXX made a critical error by mixing up my paperwork with that of another client. This mistake led to the closure of my account and resulted in my funds being inaccessible. Thankfully, the issuer of my last check was able to reverse the transaction, but they are still waiting for the funds to be retrieved. 

Throughout this ordeal, I encountered a lack of support from your staff. The banker could only offer apologies until I insisted that they take further action. Despite the situation being escalated to a manager, I found that the manager was unaware of my situation, which only added to my frustration. They said they couldnt see the check deposited day prior in their system, questioned me multiple time if I was sure I deposited. The banker XXXX said they couldnt do anything and demanded they keep trying. I expressed how much I needed these funds to work to keep my business going. The banker XXXX said somethings that made this worst like I dont know what else you want to happen here and I cant give you {$1000.00} Eventually, I was told that if I signed some additional papers, it might improve the chances of keeping the account open, but I was informed that the funds still needed to be recovered by the check issuer. This left me in a precarious position ; I need my account to operate, but trusting the same banker who was ready to give up on resolving the issue is challenging. 

This situation has not only caused me emotional distress, but it has also severely impacted my business. Currently, I have no funds or bank account, preventing me from starting my next major project worth approximately {$100000.00}. Without access to funds, I can not pull the necessary permits, which raises doubts among my clients regarding my ability to manage their deposits effectively. 

Additionally, setting up a new account now feels daunting, and I find it hard to trust Wells Fargo  or any Bank given this experience. 

I urge you to address this matter seriously. I request a prompt resolution and an explanation of the steps that will be taken to prevent similar issues in the future. I appreciate your attention to this urgent matter and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I submitted a dispute with ChexSystems in regards to some misleading information on my ChexSystems report. After about 45 days, I never received a response in regards to my dispute.
Product: Credit card

Chase is reporting a balance due on XXXX credit card accounts they charged off that is impacting my credit score. Chase is reporting 146 % utilization on XXXX card and 134 % on the XXXX card, both are charged off credit cards.
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 XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX Infamis of pulls for the following pulls : XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX account shows that I have a late payment on XXXX XXXX which is incorrect and balance is current and on time. 

Remove all late payments and change the payment status to current because of Cares Act. 

This account was paid as agreed on time I was never late XX/XX/XXXX this is information is inaccurate and completely false. You can not report inaccurate information this a violation XXXX false misreporting please update account to current and paid as agreed on time XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am reaching out to inform you that upon receiving my credit report, I noticed several errors that require immediate attention. It appears that you have reported incorrect personal identifiers in my file, which poses a significant risk to my identity if not rectified promptly. I am disappointed that this has occurred, and I kindly request that you take the necessary steps to remove all inaccuracies from your records without any delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. I do not authorize you to retain or report any information that consists of unverified claims about me, potentially outdated or inaccurate. I want to emphasize the importance of using only correct and up-to-date information about me. As per my understanding, you have a 30-day window to complete this update, and I urge you to ensure the accuracy of all information in my credit report within this timeframe. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Coinbase has neglected to send back unclaimed funds to my closed wallet account. The amount sent of BTC was {$1600.00} to the following wallet address in two transaction on XX/XX/2018 : XXXX. 

Also, Coinbase has neglected to allow me to withdraw .XXXX BTC due to unauthorized activity on my account causing a chargeback. I attempted to settle the payment anyways to withdraw my funds, but the " payment required '' link does not work and only gives error messages. I have attempted to contact them via email and phone for several weeks and continually get answers not related to my direct question or a response that they will escalate it to a " specialist ''. 

This issue has lasted for 3 months, and they just recently restricted me withdrawing or sending my virtual currency. They currently owe me approximately {$6100.00} between the two issues. I  currently have over {$4500.00} in the account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I - XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I am a victim of predatory lending. I had an appraisal performed on my home and found that I fall within the XXXX LTV range which qualifies me to get my mortgage insurance ( MI ) dropped. If I refinance I will get the MI dropped but that will cost me about XXXX in closing cost. 
When I call my servicer Pennymac to conduct an appraisal they tell me LTV must be at 75 % for them to consider removing my MI because of FHA guidelines even though I no longer have a FHA loan. Pennymac had me call FHA and FHA told me I no longer have an FHA loan. Of course I called back and they said it somewhere in my disclosure that they have to look for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXXXXXX XXXX Account No - XXXX 1. Amount Owed {$1000.00} 2. Placed in Collections XX/XX/XXXX 3. Last Verified Date XXXX XXXX XXXX  I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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 a account without my written instructions.

Kindly delete the account. 

Thanks XXXX XXXX
Product: Debt collection

I do not owe this money. I canceled XXXX over 2 years ago after more than a decade of service. i prorated the service fees and paid them in full. they claimed i owed them a full month PLUS another month. i refused to pay. they did not sue me, they did not report me to any credit reporting agencies. they turned it over to afni in XXXX il, who did not sue me, but DID report it to the credit reporting agencies and have been harassing me for months with 4 to calls per week. when i reached out to them they said " i should pay may bills ''. i do pay my bills, they have no evidence other than a final bill from at & t, which at & t did NOT sue me with or report to the credit agencies with. what is the burden of proof here? what are my next actions? some dude can't just say i owe this and then i'm screwed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my credit report, i have disputed these accounts with the company themselves and they have no knowledge of such inquires. The below listed inquires are unauthorized and need to be removed. 

XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am re-submitting this dispute. I have contacted this bureau multiple times requesting an investigation. I am verifying that this is me who is disputing these fraudulent items. I need this removed and blocked permanently
Product: Credit reporting or other personal consumer reports

I never open an account with XXXX XXXX XXXX and I should not have a inquiry from. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX this needs to be removed