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

Dear Credit Bureau ; Failed to provide proof and method of investigation ... What was your method of investigation, because I specially contacted both your agency and the original creditor directly asking to see detail proof of all documents and transactions that I was ever late and I received a 1-page genetic template that they are reporting ACCURATE. How? I 's my understanding that they need to report information accurately and you have to ensure that information on my consumer report is reporting within the guidelines and provisions of FCRA. Again, this item I am disputing is listed below and Ive either attached screenshots with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws. There are inconsistent with the way each credit bureau is reporting the late one said that I was late and the other said that I was OK for that month.different dates of last payment, last reported, last active, etc.
Product: Mortgage

We obtained a loan with Wells Fargo Financial and have been trying for 6 years to refinance to a lower rate that would cut out mortgage payment in half. Wells Fargo Financial recorded an illegal deed against our home and we have had title issues and have not been able to complete there refinance. We first applied for a refinanced in XXXX. After paying {$1600.00} for an appraisal, eventually true appraisal expired and we could not pay for another one. We tried again in XXXX to refinance to prepare for retirement and the same thing happened. Because of the illegal deed, again we were unable to complete the transaction. We have lost out on thousands of dollars on the appraisal fees and interest paid on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Federal Savings Bank, is a banking institution for Members of the Military, Armed forces, and Those family members of the military and armed forced. I am not a member of the military and have never been. Additionally none of my family are members of the armed forces either, so therefore I would not be eligible for membership in USAA. USAA Allowed A Personal loan account to be opened and membership, along with a checking and savings from a thief that was using stolen identification documents, and my email address which I had to have XXXX assist in recovering. USAA Is reporting this account not only inaccurately to the credit bureaus but this account is FRAUD. They sent all the funds and documents to this USAA Account, I did not open this account nor did I receive documentation from any of these accounts. This personal loan and any accounts with USAA that resulted from Identity theft need to be resolved, However USAA continues to report it to the credit bureaus claiming this account is mine. This is not my account that I am listing below, I have not authorized any accounts to be opened with this bank. I am not a member of the military and I AM a victim of identity theft my wallet was stolen, my mail was forwarded and my email address was hacked. I want this corrected promptly and removed from my credit report, as I did not receive any funds from this and this account was not authorized. It was opened from a thief using my stolen identity. 

Fraudulent Account # - XXXX Balance {$15000.00} Opened XX/XX/2018, My Fraud alert was placed on my file on XX/XX/2018, Therefore again It's obvious I am a victim of identity theft. My Affidavit is below and attached to this complaint. Please remove the inaccurately reporting account that you are listing as paid {$0.00} for payments as well as 3 past due payments, all are which inaccurate because I don't bank or have business with USAA. This was a fraudster.
Product: Checking or savings account

I am writing to express my dissatisfaction with the service I received on XX/XX/2023, when I deposited four money orders totaling {$790.00} into my account at the ATM. The following day, XX/XX/2023, my account was locked without any prior notice or explanation. 

Before making the deposit, I had asked a customer service representative inside the bank to update my pin number. At no point during this interaction did I present any money orders to the representative. However, the representative began to ask me personal questions about my employment status, which I found strange and unnecessary. I informed the representative that I am a driver for XXXX XXXX, but declined to provide any further personal information. 

After updating my pin, I proceeded to make the deposit at the ATM. The next day, I discovered that my online banking and access to my account had been blocked. When I contacted customer service, I was informed that there was a hold on the deposits, which is understandable for money orders or checks. 

I visited the branch on XX/XX/2023, to inquire about the issue. The teller informed me that the bank was conducting an investigation on the money orders and requested the ATM receipt. As I did not have the receipt on hand, she took down my information and promised to update me later. 

On XX/XX/2023, I received a call from a lady named XXXX from the fraud/crime department. She demanded that I provide receipts for all the money orders, even those that had already cleared prior to these ATM deposits, and accused me of lying about my business. I explained that the money orders were from my consulting business, but she claimed that conducting business in a personal account was not allowed. 

Furthermore, she accused me of giving inconsistent information to the bank and threatened me when I tried to defend myself. I strongly believe that I am being unfairly profiled and accused of a crime by M & T Bank and its staff. 

I request that the bank conduct a fair and unbiased investigation into this matter and provide me with a prompt resolution. I also request that the bank provide me with the money order numbers for the mobile deposit money orders as soon as possible. In total I belive M & T bank is holding {$2300.00} which has caused me hardship. 

Thank you for your attention to this matter.
Product: Debt collection

Subject : Complaint against Fortiva Retail Credit for Harassment and Unfair Practices Dear XXXX XXXX I am writing to bring a serious matter to your attention regarding the harassing tactics and unfair practices employed by Fortiva Retail Credit . I kindly request your assistance in resolving this issue and putting an end to their unacceptable behavior. 
On XX/XX/2023, I made a purchase at XXXX 's using a Fortiva account that was opened by a representative from XXXX 's. The item I purchased amounted to {$42.00}, which I promptly paid off before the due date. However, a few weeks later, I received a call from a Fortiva representative claiming that I owed membership fees and late fees. I was taken aback by this information, as XXXX 's had not informed me about any membership fees associated with the account. Nevertheless, I agreed to pay the membership fees but requested that the late fees be waived. The Fortiva representative assured me that the late fees would be waived, and I made the payment online as agreed, three days later. 
I believed the matter had been resolved satisfactorily, but to my dismay, I continued to receive subsequent bills indicating additional late fees. When I contacted Fortiva to rectify the issue, another representative informed me that the late fees could not be waived because I had not called a representative to make the payment. I explained to them that the previous representative had failed to provide me with this information, and I should not be held responsible for their inadequate communication. Despite my explanations, Fortiva continues to add more late fees to the membership fees that I have already paid. 
I am seeking your assistance in resolving this matter promptly. I find it grossly unfair that Fortiva is abusing its power and attempting to coerce me into paying additional sums of money when the original amount owed was paid on time. According to Fortiva 's own rules, no interest should be applicable when the full amount is paid within 12 months. Therefore, their ongoing imposition of late fees on the already paid membership fees is highly unjust. 
I kindly request that you investigate this issue and take appropriate action against Fortiva Retail Credit to rectify their unfair practices. I believe it is crucial to hold companies accountable for their actions, ensuring consumer protection and safeguarding the rights of individuals like myself. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this dispute. 
Yours sincerely, XXXX XXXX
Product: Debt collection

I requested debt validation from the company. I did not receive any validation, however this company deleted this account from my credit report. About two months later, this account was reported onto my credit file again and I have not received any debt validation from this company.
Product: Debt collection

On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX, collection agency telling me that I had an outstanding debt due to breach of contract with HSBC bank for approx approximately {$1800.00}. In XXXX I started down a path of receiving a loan from HSBC bank and got pretty far along until I realized they were trying to sign me up for a business loan. When I realized this I let them know I did not own a business so I shouldnt qualify. They quoted me a much higher interest rate for a personal loan and then nudged me to continue with the business loan since if I freed up some debt with the business loan I could potentially start a business making the loan legal. I told them I was not interested in that and discontinued pursuing the loan with them not was I interested in their offer for a personal loan. I never received any loan from them and our communications ceased at that point. They would periodically send advertisements to me for other loans mostly through the mail but other than that I never heard from them again. Then yesterday XX/XX/XXXX I heard from this credit collection agency. They stated there had been numerous attempts to contact me which as far as I know there were not. I felt it could be a scam so I immediately checked my credit reports. First of there was no indication of collection from either XXXX or HSBC nor was the loan I had started to peruse in XXXX on my credit report. Then I noticed on my experien credit report a hard inquiry for that very day XX/XX/XXXX from a consulting company called XXXX XXXX Partners. This was an unauthorized credit check. I immediately put fraud alerts on my credit reports and disputed the hard credit check. This complaint is against all parties mentioned HSBC bank for trying to give me a business loan well knowing I did not own a business then possibly selling my information to a collections agency without ever contacting me. XXXX collections for intimidating me and making me think there was a lawsuit pending in courts and pursuing collection of debt I believe to be false. And XXXXXXXX XXXX  partners for running an unauthorized hard credit inquiry.
Product: Debt collection

I'm lost for words, I went through a financial hardship but made good on this account with Capital One reporting XXXX and paid it. To date it is still listed on my credit file as I owe which is inaccurate and untrue. I have called, called, called and still no one cares. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX is on my Experian credit report that is not mine. I have tried to contact them and the credit bureaus and nothing is done.
Product: Debt collection

On XX/XX/XXXX, I received notice from Mandarich Law LLC regarding a debt I owed XXXX XXXX XXXX in the amount of {$1400.00}. XXXX purchased this debt from the XXXX XXXX XXXX where I had a credit card. I requested more information about the debt via email to XXXX at XXXX that evening from my personal XXXX To that, I received no written confirmation or response. However, on XX/XX/year> I received a letter from Mandarich Law showing me a credit card statement to the debt for a XXXX Credit Card that was authorized by the XXXX XXXX XXXX They claimed they could move forward with proceedings but wanted to hear from me first. I quickly wrote an email to Mandarich ( XXXX ) which is the primary email listed on the letter I received and is well advertised on their website. I acknowledged the debt, and offered to settle for {$1000.00} over 8 monthly payments. I received no response. Due to another recent legal issue I had, I have browsed a local court docket and noticed a lawsuit was filed ( statement of claim ) against me on the early morning hours of XX/XX/year>. It was seeking legal action that for the entire amount stating I had not responded or articulated interest in settling or communicating. Further, they took that step without # XXXX responding to my request and # XXXX showing that XXXX had actually purchased the debt from the XXXX XXXX XXXX ( only a credit card statement ). 

The law firm dated my letter validating the debt on XXXX XXXX, 2024 but I did not receive it until XXXX XXXX. The letter was not sent via certified mail nor with tracking information so there was no way of knowing I received it. I communicated immediately after receiving this message and I know they do receive my emails, because I finally received the validation 2 months after I requested it via email but did not get an acknowledgement. They did not account for the fact that they dated their letter on XX/XX/XXXX, but I didnt receive it timely and as a result they initiated legal action against me despite my ongoing efforts to resolve it. 

Once I came across the lawsuit yesterday, I emailed a letter to the counsel on file, XXXX ( the primary email of receipt for the suit ), and XXXX. I requested they accept my offer and make me a counter offer. Further, that they cease service of process and withdraw the statement of claim against me because I had made a documented effort to reach them in a timely manner after I received acknowledgement.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

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

equifax, XXXX  and XXXX  are reporting credit inquires on my account i do not recognize and that were never initiated by me. I have mailed a letter to all 3 bureaus requesting them to investigate and remove these inquires from my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft XXXX XXXX Account Number : XXXX Dear, Transunion, XXXX, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have a loan with DITECH FINANCIAL LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and DITECH FINANCIAL LLC with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX 2017.
Product: Debt collection

I filed bankruptcy in XXXX. Case number : XXXX. I included this creditor as part of my bankruptcy petition. At that time, they were known as XXXX. I believe they have since been renamed charter communications. They retained a collection agency, Amsher Collection Services , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX, to collect the {$230.00} debt that I had discharged in my bankruptcy. They have given me XXXX days to respond to them, or else I risk something being placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, is reporting inquiries on my credit report that were not authorized and were performed when there was an active credit freeze in place. 
I did not apply for a new credit account with this requester I didnt authorize the credit inquiry ( s ) Each inquiry occurred without my knowledge. 
Each inquiry occurred without my written approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home mortgage loan was bought out by another company ( XXXX XXXX ). I would usually pay the loan a month or two in advance with my former company and the process worked fine. When the new company XXXX XXXX took over my loan and I continued the same process of paying the loan in advance, instead of applying my payment to my regular loan, they applied it to my principal and later reported that I had not made my payment on time. I had payed on time but they did not apply my payment correctly. According to my credit report that I am sure they reported erroneously, I did not make a payment in XXXX of XXXX which has hurt my credit score. They have reported the same exact thing in XXXX of XXXX which is another error. I did make that payment! They need to fix these errors that they are making because of their faulty book keeping and reporting practices. I need to have the late payment report from both XXXX of XXXX and the no payment of XX/XX/XXXX reported truthfully. It was not until this week that I finally cleared this up with the loan company XXXX XXXX. Initially the person I had talked to on the phone told me that if I sent the payment to a specific address, that it would be handled by a real person and not an automated system. on a subsequent phone call I was told that all of the payments were done in an automated system It was only after speaking to a supervisor at the company ( because the regular person on the phone couldn't help me ) that he finally said that he is going to place a notice on my account so that payments made up to three months in advance are credited as a payment for my loan rather than an extra principal payment. He said that a small percentage of clients do pay early ( as I do ) and have this notice placed on their account. It has taken XXXX XXXX all of this time to finally do something about this. I hope they do the right thing and change my report and remove the late payment entry. They said on the phone message when you call them that they " record phone calls for training purposes '' so the entire conversation is on record with them if you would like to investigate it. I am so disgusted with the service from this company. It has only brought me stress and made me waste time on the phone with them. I will report in the future if they did the right thing or not. If nothing is written as a follow up to this it means they have not corrected the situation and screwed up my perfect credit because of their incompetence.
Product: Mortgage

On XX/XX/ Roundpoiint mortgage sent me a Mortgage billing statement that stated I had " Past Due Payment '' in the amount of {$2900.00}. The payment was in fact not past due and Roundpoint had according to the terms of my loan had an automatic payment established for XXXX. The amount was removed from my account and was never late according to the terms of my mortgage. Roundpoint took over servicing my mortgage on XXXX. I have attempted to call Roundpoint and even after listening to a 3.5 minute recording there is no option to speak to anyone. The only options provided are " get you loan number, make a payment, hear this message again ''. If they are reporting this as late then it will materially impact me. In addition, sending late notices and threatening statements when the mortgage is and ALWAYS has been in good standing and having no way to speak to them is wrong.