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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I have received repeated calls all day long every hour since XXXX this morning.
Product: Checking or savings account

Fraudulent check, fraudulent XXXX  transfers were made out of my Wells Fargo bank account. I have filed a claim and closed the account. I have asked for follow up on the multiple fraudulent transactions by contacting the fraud department. Was told I would receive a call back from an XXXX and I have not. It has been XXXX business days. Was told that they will only cover charges made in the last XXXX  days on my call today but still have had no follow up from investigation and no accounting of what charges have been disputed and what charges have been credited. Need clarification on how these charges were made without my authorization and what findings the investigation has made.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX {$830.00} date opened XX/XX/year> this company claim that this account is mine but they did not show any documentation.
Product: Checking or savings account

On XXXXXXXX XXXX XXXXXXXX I had requested that Wells Fargo provide me online access to my account as well as set up the option that when transactions are made I get a text the banker told me she would do it and never did Sometime in XXXX Wells Fargo changed my address on file without my permission as well as updated my phone number and my mailing address. On XX/XX/XXXX I found out that there was about XXXX missing from my bank account when I called Wells Fargo I opened a claim for some of the transactions I still wasnt able to get online to see my transactions and I havent got a statement from the bank at this time I requested that I get a print out of all my transactions so I can see what was going on Wells Fargo denied my claim saying that I made the transitions when I didnt authorize the transactions On XX/XX/XXXX I got my print out of all my statement and I find them more transitions opening another claim however they are saying that I made the transactions using my XXXX XXXX  i spent 4 hours on the phone with XXXX trying to figure out what was going on and how these transactions were made XXXX  told me that my XXXX  XXXX didnt make the transactions and they were not able to see a record of them I called Wells Fargo back and told then that happened and they told me the claim was denied I am completely frustrated with Wells Fargo because they have denied me access to my account they have allowed somome to take my money and they have also done everything that they could to let somome take my money without me knowing and I am hoping that Wells Fargo is able to give me back my money if not I am and will be moving forward with hiring a lawyer and will have to get my money back that way because Im not just going to let Wells Fargo take about XXXX from me and say theres nothing more they can do about it
Product: Mortgage

In XX/XX/2020, we sold our house at the address XXXX XXXX XXXX XXXX XXXX, MA XXXX and paid off the loan. There was an escrow balance of {$2400.00}. There was also interest on escrow of {$10.00}. We received our tax statement this year and both of these say they were refunded, but they never were. I have been trying to get the escrow from Sierra Pacific Mortgage since XX/XX/2020. I emailed, called but keep getting the run-around. We no longer live at the above address, but it was never sent there as we know the current home-owners. We asked Sierra Pacific Mortgage to send it to our new address XXXX XXXX XXXX, XXXX NY XXXX. They changed address to that on file and said they will send it in XX/XX/2020, but they never did. 
Loan details below Account XXXX Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXXXXXX XXXX XXXX : Sierra Pacific Mortgage I have attacheed the tax statement Thank you, XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

My complaint is in reference to the immediate removal of late payment entries from my TransUnion credit report as they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). According to the FCRA, late payments should not be reported as negative information. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms. I believe these late payments are the result of a clerical error or misunderstanding. Therefore, I kindly request that you investigate this matter promptly and take the necessary steps to change these erroneous late payments to update to paid as agreed never late or deletion of the late payment ratings. As per the FCRA, I expect a response within 30 days, acknowledging the receipt of this letter and informing me of the actions taken to address this issue. Additionally, I request a revised and accurate copy of my credit report once the corrections have been made. 

TransUnion has violated my rights by under 15 USC 1681 by reporting the following late payments on my consumer report : XXXX XXXX XXXX : # XXXX XX/XX/XXXX, 30 days late, XXXX  XXXX # XXXX XX/XX/XXXX -30 days late, XXXX 30 days late XXXX XXXX # XXXX XXXX-30 days late, XXXX days late, XXXX days late,XX/XX/XXXX-30 days late XX/XX/XXXX # XXXX XX/XX/XXXX 30 days late XXXX XX/XX/XXXX # XXXXXX/XX/XXXX-30 days late,XXXX 30 days late XXXX Retail # XXXXXX/XX/XXXX-30 days late, XX/XX/XXXX-30 days late, XXXX days late XXXX XXXX XXXX XXXX # XXXX-30 days lateXXXX-30 days late XXXX XXXX XXXX # XXXXXX/XX/XXXX-30 days,XX/XX/XXXX-30 days XXXX XXXX # XXXX XXXX-60 days late, XXXX-30 days XXXX XXXX XXXX # XXXX XXXX-120 days late , XXXX-90 days late, XXXX-60 days late XXXX XXXX XXXX XXXX # XXXX XXXX-30 days late,XX/XX/XXXX-30 days late, XXXX30 days late,XXXX-30 days late, XXXX30 days late, XXXX-30 days late,XX/XX/XXXX-30 days late, XXXX-30 days late, XXXX-30 days late XXXX XXXX XXXX # XXXX all of the following dates are showing a rating of 30 days late : XX/XX/XXXX, XXXX The following dates are showing a rating of 60 days late:XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX # XXXX30 days late, XXXX-30 days late, XXXX-30 days late XXXX # XXXX XXXX-30 days late
Product: Checking or savings account

On XX/XX/XXXX, I wrote a check to XXXX XXXX in the amount of {$1000.00}. The check was deposited into his Bank of America account that day. 

On XX/XX/XXXX, this person found the check and scanned it thru the Bank of America app and they withdrew the money from my account again. 

Almost a year later, and the same exact check was paid. 

You can see it in the attachment. I need my {$1000.00} back today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed fraud on my credit reports. Ive had fraudulent activity on my personal and business credit reports. I believe its from a stolen laptop and a break-in to my van. Ive already contacted some of the creditors and told them I never applied for their card or their account. Ive also contact the State of Florida to explain the person trying to purchase a home and cars in my business name does not work for me nor have I ever heard of them. I was told by the authorities this is a common practice from thieves to steal identity from older businesses. Please delete these fraudulent names, inquiries, addresses and accounts from my credit reports listed on the attached FTC Report. 

Also XX/XX/2022 I also noticed a new inquiry on my Equifax report for a RV company XXXX XXXX. I have no place, no need or room for a RV. I tried to call the number listed and it does not work. Hoping they had cameras. I recently purchased Equifax lock feature to ensure this stops. So no need for a fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$900.00} XXXX XXXX {$460.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX XXXX XXXX {$140.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$900.00}
Product: Credit reporting

There are XXXX accounts that are reporting a bill past due twice same date, same ammount. But it 's on my credit report 2 times. Ist is XXXX for XXXX dollars. The 2nd is XXXX XXXX these are on my report twice each. do I owe these twice or do I owe these once.XXXX
Product: Checking or savings account

I contacted Citibank about a charge of {$59.00} from XXXX XXXX XXXX from XX/XX/XXXX. According to Citibank dispute resolution team, I did not answer some questions correctly and the case was closed. In the meantime I had been calling checking the status and different representatives told me that I should be receiving notification by XX/XX/XXXX. I received no letter. I was advised to reopen the case by sending a letter of appeal. I contacted the dispute departments several times and more than one supervisor stated that the letter was in their system and to expect an answer by XX/XX/XXXX. I called today and was informed by a supervisor that the case was closed again. Apparently no letter of explanation went out. She told me that I need to contact the merchant. The merchant was the one who told me to dispute the charge. I need to escalate this complaint because I have an active account since XXXX, paying monthly service fees and deserve better customer service and at least the courtesy of a written notice if my dispute was not approved.
Product: Mortgage

I was delinquent on my mortgage payments. I called my mortgage company, SLS, servicing on XX/XX/XXXX or XXXX. At the time of my phone call I was due for the XXXX, XXXX, XXXX, and XXXX payments. I called and offered to pay XXXX, XXXX, and XXXX payments over the phone. This would have left my loan due for the XXXX payment, the same month I was calling. The representative on the phone refused to take my payment over the phone several times. She told me I had to mail the payment. I asked her several times what is the difference in me mailing the payment and she taking the payment over the phone. She would only say I had to mail the payment. I did the mail payment as the lady asked. The loan went into foreclosure in between the time the payment was in the mail and it arrived at SLS. I have spoken to several other representative including a supervisor who all said she should have taken the payment and they do not understand why she didn't take the payment. When I mailed the payment I called again and spoke to a representative who asked when could I make another payment. I said I can make the XXXX payment on XX/XX/XXXX. She said that is fine and we can look at placing you on a repayment plan at that time us the XX/XX/XXXX payment as a down payment. I asked that is fine. I also spoke to a supervisor who stated that the representative should have taken the payment. To make matters worse, when I spoke to a supervisor he stated the notes did not state I tried to make a payment over the phone, only that I would mail the payment. This is not correct. I asked him to pull the phone call and listen to it. He advised me I had to place the request in writing and mail it to them. I have done this and I am waiting on a response. 
Now the loan is in foreclosure and they want want the full amount plus attorney fees to reinstate the loan. That is not fair and unethical.

I can not afford to do that. SLS has advised me the cashiers check for the XXXX, XXXX and XXXX payment is being mailed back to me. I do have the XXXX payment as I promised. If they took the payments it would leave me due for only this months payment, XXXX, so the loan would be less than 30 days due as of today. 
I still can't believe the mortgage company refused to accept XXXX out of XXXX mortgage payments when i offered the payments and told me to mail the payments. In between the time the payment was mailed and arrived at their office the loan went into foreclosure. I am also asking that SLS provide the phone call from XX/XX/XXXX or XXXX when the rep refused to accept the payments. 

I am asking SLS to accept the payments and remove the loan from foreclosure as the rep should have accepted the payments when I offered them. 

If SLS will not stop the foreclosure I am asking the foreclosure to be paused for 90 days so I can sell the home. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I try esolve problem whit company and never resolved and I have hard inquiry never I authorize I so torereceive letter about application is not me
Product: Credit reporting or other personal consumer reports

Equifax is reporting that my XXXX account was late in XXXX which is inaccurate. Ive disputed this multiple times and they continue to say its verified but XXXX said that they didnt verify it. XXXX sent me an email stating the payment was reported on time. I filed a dispute with the proof of payment as well as the letter from XXXX and Equifax still says its correct as late.
Product: Debt collection

Landlord ( XXXX XXXX XXXX . ) did not provide notice to tenant ( XXXX XXXX XXXX ) upon the XXXX day from move out day to the forwarding address she provided upon move-out on XXXX XXXX, 2014. Landlord then sent amount directly to a collection agency who only provided a bill as a method of validation. We have asked the collection agency to provide the certified letter attached with the return receipt with tenant 's signature that she received notice that landlord was seeking an amount in damages. Tenant who is XXXX years old and who lived in the apartment for 8 years, disputes the entire amount sought by landlord due to their failure to provide notice and the fact the items seeking reimbursement ( vinyl, resurfaced counter-tops, and a blind ) are all items with normal wear & tear.
Product: Debt collection

I have made multiple attempts asking for the debt collectors to validate the debt, which they have not done. Ive asked multiple times in XXXX of XXXX  and XXXX of XXXX.
Product: Mortgage

the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment XX/XX/2015 for a XX/XX/XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old XXXX couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}.
Product: Credit reporting or other personal consumer reports

Account was paid off in XX/XX/2024. Vehicle paid in full.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX, I applied for a TJX Platinum Mastercard. A charge of {$44.00} was placed on the card at that time. After learning that my credit score decreased by nearly XXXX points in 2 months, I investigated to try and determine the cause. I discovered that the culprit was this {$44.00} charge from TJX that I had not paid, however, until that time I had not received a billing statement. TJX/Synchrony bank failed to send me any billing statements, and therefore, I was unaware of any outstanding balance and did not have any method of paying this bill. TJX admitted to me that they did not send billing statements and refunded all late fees, however, they reported to the credit bureaus that I am 120 days late on that bill. This action by TJX has severely and negatively impacted my credit score. I have never made late payments on any account before, and I had a very good credit score. I have attempted to dispute this with TJX multiple times, and I keep getting told that they are reporting accurately to the credit bureau 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} ; XXXX  XXXX XXXX XXXX {$140.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$150.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX AV XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not reporting correctly, XXXX has some discrepancies and Transunion as well. All three are not accurate and should be held liable for all the time my credit was worse than what it really was.
Product: Credit reporting or other personal consumer reports

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I HAVE NO OPEN ACCOUNTS WITH ANY OF THE FOLLOWING : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. FURTHERMORE, I HAVE NOT RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX HAVE NOT USED THE NAMES OF XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I AM NOT EMPLOYED WITH XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year>XXXX  them most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done