23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting a complaint regarding XXXX XXXX and their continued inaccurate reporting of my account, which has negatively affected my credit report with XXXX, XXXX, and TransUnion. The inconsistent handling of this account by XXXX XXXX, combined with their ongoing computer errors, has led to considerable confusion and financial harm. I request your assistance in ensuring that this inaccurate information is removed from all three credit bureaus as soon as possible. 

Account Details : Issuer : XXXX XXXX Account Open Date : XX/XX/XXXX Reported Balance : {$670.00} Delinquency Reported : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Account Status : Closed Issue Summary : XXXX. Fraudulent Charges Dispute : In XX/XX/XXXX, I reported to XXXX XXXX that there were charges on this account that were not mine. XXXX XXXX initially investigated and removed these fraudulent charges from my account. 


XXXX. Reintroduction of Fraudulent Charges : However, in XX/XX/XXXX, XXXX XXXX informed me that due to a computer error, the previously removed charges were re-added to my account. This error reintroduced charges that had already been identified as fraudulent, leading to further financial impact on my account and credit. 


XXXX. Confusing Communication from XXXX XXXX : On XX/XX/XXXX, XXXX XXXX sent me a letter acknowledging a computer error and stated they would fix the issue with my account points. However, this response did not clarify or resolve the fraudulent charges issue. Subsequently, they stated that the computer error would not actually fix anything related to the charges or my account status, which has left me completely unclear on their intentions.

4. Incorrect Reporting to Credit Bureaus : As a result of these errors, my account continues to be reported as delinquent as of XX/XX/XXXX, despite being closed and initially charged off on XX/XX/XXXX. This inaccurate information appears on my reports with XXXX, XXXX, and TransUnion, further damaging my credit profile. 



Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim and requesting validation. 

Resolution Requested : Immediate removal of the inaccurate information regarding this XXXX XXXX account from all three credit bureaus. 

XXXX that the balance of {$670.00} and any delinquency status related to this account be corrected to reflect the correct history and closure date of XX/XX/XXXX. 

Clarification and correction from XXXX XXXX regarding their computer error and reintroduction of fraudulent charges, as well as their acknowledgment of the errors they have made in handling my account. 


This issue has caused me significant financial and personal stress, and I am urgently seeking assistance to ensure that my credit report is accurate. I appreciate the CFPBs help in bringing this matter to a fair and swift resolution. 

Thank you for your attention to this complaint. 

Sincerely,
Product: Credit card or prepaid card

Approximately XX/XX/21 I made an online payment to XXXX for {$140.00} on a XXXX XXXX visa card. During that time XXXX had switched from Visa to Mastercard and the payment of {$140.00} went to the Visa and subsequently to Barclay Bank. XXXX contacted me and told me the visa payment had not gone through and I then wrote and mailed LL Bean a check. I contacted the Barclay Bank in XXXX Delaware via telephone and mail, requesting return of my visa payment. My bank sent a communication to Barclay to help with the return of my money. They sent me a check for the full amount, but my bank said the check was illegible. I sent the original uncashed check back and requested a new legible check and I have not received the {$140.00} they had received in error. I have written letters and made numerous phone calls and still have not received the money. The case number with Barclay Bank XXXX.
Product: Checking or savings account

The PNC app has been down since yesterday morning around XXXX XXXX  ( XX/XX/24 ). PNC has not released a statement or offered any kind of guidance for when the app would be up again. We are currently on Day 2 of the outtage, with no statement released by PNC. ALL Communications has just told us to be patient. I cant pay my rent. They need to be investigated throughly as this is not acceptable. I have reached to them on XXXX with no response as have thousands of other people.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding fraudulent activity committed by XXXX XXXX XXXX and XXXX XXXX XXXX in connection with a vehicle financing transaction. Specifically, I am alleging that both parties engaged in fraud and forgery on the credit application without my knowledge or authorization. 

Details of the Fraudulent Activity : 1. Unauthorized Use of Personal Information The financing application was supposed to be processed solely under my business entity using its XXXX. However, XXXX XXXX XXXX and XXXX XXXX XXXX submitted the application using my personal Social Security number ( SSN ) without my acknowledgment or consent. 
XXXX. Forgery of My Signature Upon reviewing the credit application, I discovered that my signature was forged on the documentation. There are multiple different signatures on the hard copy, which clearly indicate fraudulent activity. 
XXXX. Misrepresentation and Deceptive Practices At no point did I authorize the use of my personal credit for this transaction. The dealership and financial institution knowingly and fraudulently altered the application to include my SSN, exposing me to unauthorized debt and liability. 

Requested Resolution : I request the immediate cancellation of this fraudulent credit application and loan agreement due to the unauthorized actions taken by XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally, I request a formal investigation into these deceptive practices, along with any necessary corrective actions, including : Removal of this fraudulent account from my credit report. 
A full refund of any funds paid due to this fraudulent agreement. 
Legal action or penalties against the responsible parties for engaging in fraudulent conduct. 

I am prepared to provide any supporting documentation, including copies of the forged application, to substantiate my claims. I expect a prompt and thorough investigation into this matter. Please confirm receipt of this complaint and provide next steps regarding how this issue will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my credit report with XXXX, XXXX & Equifax on XX/XX/2021 my credit score dropped by 83, 85 and 81 points respectively. I have currently 2 open credit accounts ; one with XXXX XXXX Bank for an auto loan and one with XXXX XXXX XXXX for a credit card. I am in good standing with both lines of credit and have NEVER missed any payments. I have 10 closed accounts in which none of them have been closed recently. I have 3 credit inquiries with the most recent one being in XX/XX/2021. I additionally have no derogatory marks on my credit. My credit card balance as of XX/XX/2021 was {$1800.00} but I have since paid off that balance in full which is well before the due date of XX/XX/2021. As I mentioned before, I am in good standing with every lender and I have never been late or missed a payment of any kind. I believe this was an error by XXXX, XXXX & Equifax and my credit score should be returned to what it was in the previous credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$3200.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX Balance {$3500.00} ; XXXX XXXX XXXX XXXX Balance {$20000.00}
Product: Debt collection

I paid the account in full. XXXX. I have a copy of the letter and the check that XXXX send to me for overpaying the bill. I have sent the letter to each credit bureau. They are disregarding the letter and check that was sent to me by XXXX.
Product: Checking or savings account

Bank of America froze my accounts without reason and notice. They claim they sent a letter via XXXX which was not signed for on XX/XX/XXXX. After multiple follow ups and emails they sent the letter via email on XX/XX/XXXX stating the accounts would be closed on XX/XX/XXXX. They of course did not provide any reason but I suspect it was because of their failures such as depositing money into the wrong accounts, failing to setup product and services etc. 

To date, they have NOT returned any of the funds in the account and are preventing us from withdrawing money which we need for the business.
Product: Credit reporting or other personal consumer reports

I keep getting soft inquiries from XXXX for no apparent reason, this needs to stop now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting

My problem is with Equifax. In XXXX I bought a new car, the dealer apparently check with several creditor to get me the lowest interest rate for the new car. All of this was done XX/XX/XXXX. I am trying to get a mortgage, My mother died and her house has been sold, closing on XXXX XXXX, XXXX. I am on XXXX and have no where to go. All of the inquiries the dealership for rate shopping are on Equifax as hard copy inquiries. They have a total of XXXX hard copy inquiries for this XXXX purchase of a car, done by the dealership XXXX XXXX in XXXX XXXX, MN in XXXX, XXXX. 
They are XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX Bank indirect XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX This has cause a negative effect on my credit score # 's under excessive inquiries on my credit report. I have tried to contact them 3 times, they are never available to help me. Is n't this in violation of the fair credit act? They themselves cause damage to people 's report. Now credit agencies have the power to totally control your life, whether or not you will have a roof over your head, or will be able to drive or walk. Yet when they are reckless on their reporting of your credit, they are n't held responsible for their mistakes, and they charge you to get a copy of your credit record they messed up. I need this information removed, since one can, look for car financing and mortgage financing to get the best rates without it seriously damaging one 's credit record. This is according to the fair credit act.
Product: Credit card or prepaid card

I recently completed a refinance of my home and through this process was able to payoff all of my credit cards. I was very excited to have every single one of my credit cards paid off but as soon as I had paid off my balances, Capital One immediately lowered my credit limit. I was really confused as to why this adverse action was taken and when I called to find out why I was told that I was reported late on my account. I don't understand how a late payment can occur when the balance has already been paid off?? 

I was on the phone with Capital One throughout the process of my refinance and advised each representative that I spoke to that my account would be getting paid off soon. 
Each time I spoke with an agent I was told that everything was fine and that there wasn't anything that I needed to do and that my account was noted. If I was late, why did I not receive any phone calls or statements advising that I was late or requesting a minimum payment? I'm really disappointed that Captial One never offered me any kind of payment forbearance or deferment to help prevent any negative activity on my accounts especially after I made every effort to keep them in the loop. Now everyone 's paid off but I have a XXXX  credit score? This is not right at all!
Product: Payday loan, title loan, personal loan, or advance loan

I filed a complaint against this earlier on XX/XX/2023, which I indicated that I wasn't able to pay off the balance of {$110.00} I owe for this loan as the company restricted access to my online platform with them. They responded to the previous complaint that I can make payment over the phone by debit card or check or using XXXX XXXX or XXXX. However, they still didn't provide any phone number or any account number to use with XXXX XXXX or XXXX. So, how can I send this payment!!!! 
Their website doesn't have any contact information, no phone numbers or email address!!! 
This is really frustrating, they mark my account as charged off or collection to the credit bureaus while not giving me a solution on how to pay off this amount!!!! 
I am asking either to delete the account from my credit reports or send me their information to send payment.
Product: Bank account or service

I have been directed to this agency, probably again about an original complaint that I made regarding a " Bank of America XXXX Litigation. " I was included in this Litigation process XX/XX/XXXX, because of illegal credit practices carried out in my credit card. I complained XX/XX/XXXX about these illegal practices and I was then given a claim ID : XXXX. 
Since then, I have recently received a letter from the Office of the Comptroller of the Currency XX/XX/XXXX, advising me that " your complaint appears to involve an issue that no longer falls under the direct jurisdiction of our office " ibid. OCCI do not understand why I can ' t receive a legitimate answer on a proper citizen request that I made against illegal credit practices on my credit card. Furthermore, I have been referred to various federal agencies that do n't seem to take charge of the situation and just answer the status of my original claim Id : XXXX. 
I would appreciate if this agency would just take charge of the situation so that I can obtain a final legitimate answer. Thank you very much, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had several problems in the past with Fraudulent things being reported on my credit. While in the XXXX I was XXXX, and my identity was stolen. Many things were opened in my name and charged off. I contacted Equifax and XXXX regarding such. Negative information was being reported, and my disputes came back for XXXX and never for equifax. There has been several fraud alerts on my credit report, and things were STILL hitting my report. Ive had ongoing problems now. Whenever something falls off- another account takes its place. My information was shared. Multiple inquiries piled up- for things I havent done or applied for. Im a XXXX XXXX XXXX employee. Ive paid for fraud protection services and received NONE. I am disappointed in the bureau and would like some attention to this matter ASAP. I assumed it would stop, and Im working with the creditors to get it removed due to it not being myself who opened the accounts. Starting From the fall of 2018 to This year, it started right back up! Ive called several times to speak with someone and the help has been minimal, or Ive gotteb hung up on. I have obtained a lawyer, and would like to file a suit for sharing of my personal information. And for allowing fraudulent activity while signed up for fraud protection.
Product: Debt collection

XXXX XXXX Medicredit is stating that I owe a debt in the amount of {$1800.00} from XX/XX/2019. I have insurance that apparently was never billed for a service that I never had rendered nor have I received a bill. I have submitted a dispute that was rejected and XXXX decided to favor the collector. I would also like to note that not only is this a bill I never received, this is also a violation of HIPAA that I intend to report for sending my personal information to any bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 
By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.
Product: Mortgage

I applied for a mortgage loan based on a pre-approval I received from Paragon Mortgage Services. We went under contract after looking at several houses. I paid the earnest money, paid for the inspection, paid for the appraisal, provided all requested documentation and signed a ton of documents. Then 9 days before our closing date I was told that I could not be approved for the loan. This decision was made based on my income ; the same income that was used to get my pre-approval.I was told that the underwriter denied my application because I am self-employed and they can not verify my income like they could if I were employed by someone else. I felt like I was dragged through the mud. My entire house was packed, we were getting ready to move, and the house I was occupying was set to be rented to someone else once we were completely moved out. We went from being excited about moving into our new house to possibly being homeless. I felt like these mortgage people should have known whether or not I would be approved for a mortgage loan when they gave me the pre-approval, before I went out looking for a house, before I paid for the home inspection, and before I paid for the appraisal. I had to contact 3 different people at Paragon Mortgage Services to get a straight answer as to what had changed from the time I got the pre-approval to 9 days before our closing date. I was told my application was denied due to changes in the guidelines for self-employed individuals. I was told my application was denied due to COVID-19. Then, I was finally told that the mortgage service-er I was working with had an underwriter look at my file prior to issuing the pre-approval letter to double check her work. Then once I was under contract and the process had been moved along a different underwriter was making the final decision said that the mortgage service-er and the first underwriter both made a mistake in the calculations of my income. How could 2 different people make the same mistake each looking at the file separately? And why was this mistake not noticed earlier in the loan process? I mean 9 days before closing date my entire family 's life was turned upside down. How is this ok? I feel like I was discriminated against because I am self-employed and they didn't want to take the time to go over all the documentation they had me supply for them. They told me I needed an audited P & L Statement ; which costs anywhere from $ XXXX {$6000.00}. So not only was I about to be homeless, but I was also not going to be reimbursed for the earnest money, the cost of the home inspection or the cost of the appraisal. How can someone make a mistake like that, a mistake that messes with a family 's stability, and not be held accountable. They should not be in the position they are in if they are making mistakes like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, and 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: Credit reporting, credit repair services, or other personal consumer reports

this message is for XXXX and XXXX. this is nothing against the two companies. i had a couple of debts with USAA in the past. they turned the debt over to a collections agency i am assuming in XXXX. i got calls from different collections agencies saying they have taken over the debt. one with was XXXX XXXX XXXX XXXX  and another company calling from XXXX. but whenever i called this number back it said it's no longer in service. the person who called me from that number was a female and said it was a debt owed to USAA turned over to them on the XXXX then she said the XXXX XXXX XXXX so which is it? i have no clue. i think USAA is trying to get money from me by any means necessary. i reported the XXXX XXXX already. now im reporting USAA again for the millioneth time about this stuff.
Product: Credit card

At the end of XXXX, XXXX, my credit card account with Bank of the West was hacked. 
The hackers requested a credit card in my name on XX/XX/XXXX and was charged {$25.00}. 
I happen to catch this request and notified the bank to put a hold on my credit card and requested a credit for the {$25.00} charge. The bank said that they would credit my account but never did after I had called them several times. 
In XXXX, XXXX, Bank of the West was taken over by BMO. I asked BMO to credit my account in XXXX, XXXX and was told that they would credit my account but they did not. I called again on XX/XX/XXXX and requested a credit. As of XX/XX/XXXX, I have not received any credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To who this may concern, The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is being reported inaccurately on my credit report. I ask Experian LLC to verify multiple documentations in which they failed to provide me with. I ask for the following documents as follows ; 1. Original contract baring my wet signature 2. Credit insurance 3. Payment history 4. Interest rate disclosure 5. Balance history 6. Payoff disclosure Documentations was never provided to me and I will like for Experian to provide me with these documents for proof of validation of accurate reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had  XXXX  accounts with    XXXX   XXXX   XXXX    which have been paid off but Transunion will not update credit report to reflect paid in full. The  XXXX  account numbers are as follows :  1.   XXXX  {$2200.00} 2.  XXXX  {$5400.00}