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

I have sent Experian a letter to reinvestigate accounts on my report that are being reported as open after they have indeed been closed. XX/XX/2021 I got a response saying the investigation was complete but the accounts are still on my report and being reported as open. I have contacted the collection agencies and they have verified that the accounts are indeed closed and it is up to Experian to report them accurately.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my XXXX still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my XXXX What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these XXXX and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Debt collection

XXXX XXXX has violated my rights. 
I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX XXXX have violated my rights. XXXX. I want a detailed list of payments made by me on this account. XXXX. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. XXXX. I'm asking to see if there has been any insurance CLAIMS found on this debt. XXXX. I want proof that you have the chain of title to collect on this debt. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section XXXX of this title. You ; XXXX XXXX have violated all ABOVE laws
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Due to Data Breach Dear : To whom it may concern I am writing to formally dispute inaccuracies on my credit report that I believe are a result of the recent data breach involving Equifax. The information below outlines the items I am disputing and provides evidence to support my claim that these entries are erroneous.

I have taken the necessary steps to report these fraudulent activities, including filing an identity theft report with the Federal Trade Commission and submitting a police report. Copies of these documents are enclosed for your reference.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent items be investigated and removed from my credit report promptly. Please send me written confirmation once these items have been addressed and corrected. 
Remove from my credit report, XXXX, Equifax and XXXX
Product: Credit card

uring my honeymoon in XXXX, I was scammed by a taxi driver on XX/XX/scrub> 2024. He used his personal XXXX XXXX XXXX  to charge {$280.00} USD to my XXXX  credit card, even though he was supposed to charge me XXXX XXXXXXXX XXXX per his taxi dash unit. He was trembling quite a bit when I handed him my card to pay, so I was suspicious. Unfortunately we did not get his license plate number but I attached a picture of the dash charge ( in XXXX  ) that my wife took. Sure enough, later that day I checked my XXXX  card and there was a charge for {$280.00} USD pending on my account. I immediately called XXXX customer service to explain the fraudulent charge. The person on the phone cancelled by card and said the charge would be taken care of. Upon checking my account, I noticed the amount was refunded so I thought all was well. I checked my XXXX statement and the fraudulent charge was placed on that billing cycle. This should have never happened since I cancelled my card as soon as the fraud occurred and was still in pending status. I have reached out roughly a dozen times to Wells Fargo to dispute this charge and they have been of no help. They keep declining the charge saying that " As this card was in your possession at the time of purchase, there is no fraud and these are valid purchases. '' which is a ridiculous claim. I have also requested evidence from Wells Fargo of their 'research ' that they did to justify their declination of my dispute, but I have never received the documentation. I also asked for copies of all the recorded transcripts between myself and Wells Fargo ( since I know it's all recorded ), but they have not provided anything.
Product: Mortgage

My mortgage was sold to Mr Cooper Mortgage Co. After setting up my automatic withdrawl for payment with them, they proceeded to take multiple payments ( 3 ) out of my account the first month. It took several calls and numerous months to fix this simple issue. 
Secondly, I made several extra payments in order to pay my loan off quicker. I paid my 15 year mortgage loan ( # XXXX ) off in approximately 50 months. In late XXXX of XXXX I called to get a payoff amount on my loan. The representative told me there would be a {$35.00} charge to get that information. I laughed and said are you kidding me? Out of principle I did not get the exact payoff amount. Instead I chose to just pay as I recall about {$88000.00}. on the balance of roughly XXXX Assuming interests and escrow balance would wash out the following month. If I owed a few extra dollars than Mr Cooper would adjust my account and I would pay it the following month. Likewise if Mr Cooper owed me than a check would be issued to me. I waited several days and went on line to check the updates made to my account. A message instead came up on my account and said CONGRATS YOUR LOAN HAS BEEN PAID IN FULL. No numbers or statements were available for me to review. I called Me Cooper and they told me on at least 5 different occasions that the balance was XXXX. No money was owed to either party. Two supervisors even stated this to be the fact. I let them know this was impossible. After all there was a couple thousand dollars in my escrow account at the time of my final payment. I thought about calling an attorney but thought better to allow this company to rectify the matter. Again upon calling i was told i owed nothing nor would i be refunded any dollars. I told them that's impossible. I randomly picked a dollar amount and made that last payment and it worked out exactly to XXXX. Sounds a bit fishy to me. I received a letter date XX/XX/XXXX from MR Cooper. It contained my loan number, full name and property address. It also contained a Customer Service number to call. I called it and made reference to the statement in the letter that Payments and interests were not properly applied to my balance and that I would be receiving a check under separate mailing for the difference. No amount was given nor was there a date or timeline. In fact the representative told me he saw no record of any such letter. The hits just keep on coming!! This seems ridiculous to me. I paid my loan off in the end of XXXX of XXXX and I am still dealing with this inept company. They should be fined and reviewed for other errors. I am sorry to complain but I need your help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX and XXXX XXXX XXXX account # 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 state a consumer reporting agency can not furnish a account without my written consent.
Product: Money transfer, virtual currency, or money service

Accidentally send XXXX to a friend when only meant to send XXXX through XXXX I called my bank and explained my friend said she only received XXXX of the XXXX and I reported it to my bank they gave me a number to XXXX I couldnt get through to them and feel like Im getting the run arounds. The bank XXXX XXXX  said theres nothing they can do. I tried to cancel the transaction several times and it wouldnt let me. Its been about XXXX XXXX and my friend said its still not showing anything in her bank. So my XXXX dollars is just floating around somewhere.
Product: Mortgage

In XXXX of 2020 I applied for a Covid-19 Forbearance plan with my mortgage provider Mr. Cooper. At the end of the forbearance period, the total amount from the forbearance period is due unless the amount is moved to the end of the loan. I applied for a modification to have the amount moved to the end of the loan so that I could resume payments but my request was denied. I have been told that the only way I can resume my payments of {$940.00} monthly is by paying the lump sum of {$16000.00}. 

The company replied that I am not eligible for a modification because I have had three modifications for the life of my loan. 

I have shown that I would like to stay in my home and I don't think that Covid-19 should be considered a normal situation for an exception.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX appeared on my Experian report without my knowledge. 

XXXX XXXX XXXX XXXX appeared on my Experian report as a hard inquiry without my knowledge. ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) XXXX XXXX XXXXXXXX XXXX appeared on my XXXX report without my knowledge. ( XXXX XXXX XXXX, XXXX, VA XXXX ) All these companies I have reached out to them in regards to removing the fraud inquiries and none of them have made an effort to do so. It is very tedious having to stay on the phone for hours trying to clear up these matters. 

In the month of XXXX, XXXX I was also a victim of theft of my laptop which had vital personal information that might also a play in the recent uptick in fraudulent activity. I have filed a police report to support my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my investigation back and you stated that you completed a fair investigation and that these accounts are 100 % accurate. 

But can you please answer this one question. How did you investigate these accounts? 

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. 

You were supposed to interview my neighbors and interview my friends. 

Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 
When did you talk to them? 

One more thing can you please tell me how everything is 100 % accurate if these accounts High Balance, the Last verified date, Date Reported, the Date Opened, the Closed Date, the Creditor Type, the Last Payment Date, the Account Type, the Credit Limit, and the Date of Last activity are STILL NOT reporting the same information at all? 

You have violated multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

I demand deletion of the accounts from my credit report. I've listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these accounts immediately or you will be responsible for {$1000.00} per violation. 

Send me updated credit report with accounts permanently deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.
Product: Credit reporting or other personal consumer reports

Three credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are erroneously reported on my credit report. I have no recollection of applying for credit with these institutions. These inquiries are negatively impacting my credit score, hindering my ability to secure loans and potentially causing financial harm. I request an investigation into these inquiries and production of any credit applications bearing my signature for these reported inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living person. I have rights under 15 USC 1681 The 3 major credit bureaus are govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Furthermore in regards to these accounts below : the " date opened '' dates do not match across the 3 bureaus. In addition, multiple accounts with late payments have inaccuracies in regards to how many days late these accounts were paid. For example, many are reported being 30 days late on 1 credit bureau but that same account is being reported as 60 days late on another credit bureau. How can this be? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note these are not the full account numbers. They contain XXXX  at the end of each and will not be given here in order to protect my personal information.
Product: Checking or savings account

Sometime last year I was sent a letter from child support, that they would have leans on my accounts and wages to pay off the debt. Since then Ive seen money leave my account, and taken from my wages. There were even times money would leave my back account, and the. Post back to it. So I didnt think much of it. This year while doing my taxes I came to find out my entire return went to child support. That prompted me to look through my account and its transactions. Come to find out there were a lot of unauthorized purchases. I reported them, talked with the bank, answered questions, and explained the whole situation. They have since denied my claim, and told me that an appeal was out of the question. This is highly unacceptable, and not right seeing as how they have a zero liability policy regarding unauthorized purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is NOT mine! This is my 6th time reporting this information without any resolution! Remove this as its defaming my credit report and myself as a consumer.! 
Account # XXXX NOT MINE!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

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

Dept of Education {$290.00}, {$2700.00}, {$5100.00}, {$7500.00} all reporting on all credit report 's Experian, XXXX, and XXXX. In accordance to fair credit reporting act this creditor has violated my rights under 15 USC 1681 602 states I have a right to privacy. 15 USC 1681 604a 2 a consumer reporting agency can not furnish an account without my written consent. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX  do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Vehicle loan or lease

The entire loan was a rip off from the time I got this used car XX/XX/2018 from the dealership, there were issues and Chase inflated the monthly price of a car with mechanical issues. The dealership lied about many aspects of the car. The cars original value was {$15000.00} and the Dealership and Chase included items that werent disclosed, to have me pay more than the car is worth. XXXX XXXX is also XXXX and has threatned to leave me without a car knowing Im XXXX and XXXX. This entire process was Chase discriminating against me due to my XXXX and poverty. Id like an investigation into XXXX XXXX business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$170.00} XXXX XXXX XXXXX Opened : XXXXXXXX XXXX XXXX Balance : {$93.00}.
Product: Credit card

This account is not mine!! Never opened it!! And I really need it off my credit! I am desperately trying to improve my score to get car in which I havent had a car since XX/XX/year>! And XXXX XXXXXXXX XXXX with no way out!! Especially my doctors appointments and washing laundry!! I am XXXX XXXX XXXX XXXX XXXX  and dont need derogatory credit on my credit! Also I sold the car from United bank XXXX XXXX XXXX United bank in XX/XX/year> and frustrated because it still says 30 days late and should not say that!!! I have proof it paid in full in XX/XX/year> from United bank XXXX
Product: Debt collection

I made contact with the creditor first on XX/XX/2018 to discuss my account. I was informed by the creditor that my account had been sent for collection with Southern Management Systems , Inc. I attempted to contact Southern Management Systems , Inc. to discuss my account. I was told the only way I would be able to discuss my account would be through my attorney, in writing or I could pay the account in full. The person I spoke with was very short with me. She would not listen when I tried to explain that I never had a conversation with anyone in that office indicating that I had an attorney. On XX/XX/2018, I requested in writing, a copy of any attempted correspondence with me, from their office informing me that my account had been placed for collection with that company. I asked for a response within 5 business days. When I did not get a response, I sent another letter acknowledging the debt and a pay-off schedule. I received a response from Southern Management Systems , Inc. on XX/XX/2018. In the letter the company stated that they were responding to my request to dispute and cease communication. None of this information is true, being the company never provided me the information that I requested. Since I was not provided with the information I requested, I have no idea when my account was placed for collection. The account has been reported to the credit bureau as a dispute. On XX/XX/2018, I sent the company another letter demanding that they correct the false information reported to the credit bureau or remove it.
Product: Credit card

I have had my American Express card for a very long time. XXXX XXXX I was on vacation American Express XXXX gave me extra credit that I would pay in XXXX XXXX. I was told by that agent my payment would go to current purchases not pay overtime. long story short my payments went to my payoff time balance and I got hit with huge payments {$13000.00} and next one {$8500.00} I have been dealing with The American Express office in XXXX and every agent there keeps lying to me and I 'm tired of it. I ended up being 30 days late they are asking for another {$9000.00} so they do n't report me again and the following month another {$7500.00} because they took off my payover time feature because I was 30 days late. They are sending me into financial hardship and I was never notified about this change and they charged me fees on the pay over time money too which changed APR. I know there are laws to protect consumers against credit card bullies please help me I do n't want them to ruin my credit.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding the suspension of my online banking profile after attempting to transfer {$10000.00} to an external account that I own with another financial institution. 

On XX/XX/year>, I visited the XXXX, Ohio branch to restore access and confirm the transfer. I was informed that I needed to provide a statement or a voided check to prove ownership of the external account. I submitted the required statement to a teller, who faxed it to the back office. I was assured that my account would be unsuspended and the transfer completed after the XX/XX/XXXX holiday. However, no resolution was provided. 

I returned to the branch on XX/XX/year> to inquire about the delay. A different employee informed me that the back office never received the document. The statement was faxed again, and I was promised a resolution within a few days. After XXXX business days with no resolution, I emailed the same branch employee, who advised me to wait a few more days. Despite their assurance, I received no follow-up. 

On XX/XX/year>, I contacted customer service and was informed that the documents had not reached the correct department. I was assured that the documents were now in the right hands and that the issue would be expedited and resolved by the end of the day. However, as of XX/XX/year>, my account remained suspended. 

On XX/XX/year>, I called customer service again. The advisor informed me that there was no record of the documents and that they could not contact the previous representatives I spoke with, as they were not in the office. To date, my account remains suspended and I am unable to initiate the transfer to the external account. 

This situation has caused significant inconvenience and frustration. I request immediate action to resolve this matter and restore access to my online banking profile. 

Thank you for your prompt attention to this issue. 

Let me know if you need any further adjustments or additional details included.