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

There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. Equifax has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from Equifax that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that Equifax had put it back on I immediately contacted Equifax. I was not able to get anyone on the phone and disputed the error via the internet.
Product: Credit reporting or other personal consumer reports

I received two hard inquiries from Capital One... one was XX/XX/XXXX the other XX/XX/XXXX ... .I wish to have the XX/XX/2023 inquiry to be deleted..Thank you
Product: Debt collection

National Credit Adjusters Confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....
Product: Credit card or prepaid card

I applied the Wells Fargo Cash Wise Visa Credit Card - Reference Number : XXXX. However, I got denied with the following reason : " Social Security Number provided ca n't be verified. I spoke to Wells Fargo Cash Wise Visa Credit Card customer service and told them that I faxed the copy of my Social Security, however they said they did n't receive, then I faxed again, then I checked to status of the application, it changes from " declined '' to " pending ''. After that I made a copy of my social security card and send ( post office mail ) with the enclosed envelop from Wells Fargo Cash Wise Visa Credit Card sending to me to ask me to provide them the copy of my social security card. Moreover, I am currently the customer of Wells Fargo Mortgage ( Please see attachment ). I do n't know why my social security number ca n't be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost 4 years I have been complaining regarding a stolen XXXX card, theft, identity theft, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the fraud such as payment methods used by the thieves and phone conversations. Yesterday I received the attached response from Consumer Financial Protection Bureau stating the account was going to be finally re-investigated and may take up to 90 more days. ( 0 more days is more than 4 years after the fact. I request a speedy investigation by XXXX Experian XXXX XXXX. Per the FCRA, the validity, completeness and accurateness should have been accomplished long ago.
Product: Debt collection

Ive been getting repeated calls and voicemails from this company that do not appear to be for me. I blocked the number but still get voicemails asking for someone else. Im not going to answer or try to speak to these people because it seems like some sort of scam
Product: Mortgage

Ditech Mortgage is calling my work number and my cell phone number at least XXXX times a day, and hanging up ( my current payment is within the 15 day grace period allowed ).
Product: Credit card or prepaid card

We purchased a vacation rental with our Barclay mastercard in XXXX XXXX for a 2-month stay in XXXX. Guaranteed in the contract was a full credit voucher for a later stay in case the border closed. This gave us the confidence to book, plus it was paid through the supposedly reputable company " XXXX '' who has their own " Booking with Confidence/Payment Protection Plan ''. 

The border closed on the day of our flight ( XXXX XXXX, XXXX ) and we were denied our credit voucher. XXXX would not help us, despite their protection policies. They said we were on our own to deal with the overseas owner, with whom we have no leverage. This is a major deception in business practices and false advertising/misleading guarantees/bad faith. No one would ever book with a company like XXXX if they knew they had no protection and were on their own with overseas owners. 

We purchased a vacation rental, whether it was for XXXX or a later date. It is a tangible product and though we paid for it in entirety, we have been refused the product and have nothing to show for our over {$4000.00} payment. Barclay has refused to issue a refund, siding with XXXX despite our not having the product we paid for. We have had several phone calls with both Barclay ( who will not answer their customer service phone ; we were on hold for 3 hours and refused requests to speak with a manager ) and with XXXX who refuse to help. Certified letters including dozens of documents have been sent to Barclay, and also to XXXX, but to no avail.
Product: Credit reporting or other personal consumer reports

I am having a problem getting my free annual report XXXX XXXX, Experian and XXXX. I want XXXX XXXX, Experian and XXXX to mail me a copy of my free annual credit report. Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, Minnesota XXXX License Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Email Address : XXXX, Phone Number : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulant Inquiries, address, and credit accounts that I never opened. Address I never lived at. Someone is pretending to me and i need these accounts to be removed due to XXXX
Product: Credit card or prepaid card

I have made two orders to Saks.com one on XX/XX/XXXX and another on XX/XX/XXXX. I received emails stating there was an issue and I would need to reorder the items. When I called customer service for Saks I was told the charges were declined by the card issuer. I called The issuer and was told the charges were pending and had been approved. Customer service confirmed the account was open and in good standing with adequate credit available for the purchase. Neither the bank or Saks could tell me why the transactions were not going through. I would like to know the problem so it can be resolved and I can use the card without associated issues. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this XXXX XXXXXXXX account # XXXX opened on XX/XX/ stating : I am victim of identity theft and I never opened this account. " i dont agree with the results of your investigation.please send me the proof of your investigation or delete this account. 
Please reinvestigate this matter and delete dispured account as soon as possible.
Product: Credit reporting or other personal consumer reports

I have Fraudulent accounts on my report. and I have asked the company reps to remove them.
Product: Credit reporting or other personal consumer reports

I have unauthorized accounts on my report I do not recognize So far none of them has been able to provide such proof to me. I have sent follow- up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
Product: Mortgage

I requested additional time, I am working with a company to do the short sale but there is an auction date coming and I dont know what else to do or who to turn to. I am XXXX XXXX XXXX, have no family or friends left and this company is helping me relocate. the other company I was dealing with had a hard time finding all XXXX mortgages. Please I just need a little more time so I can get this done and they will help me with finding a place to live and move all my stuff. My auction date is XX/XX/year>.
Product: Mortgage

Lender is reporting a late payment when i send wired payment and they confirm the payment and after they confirm the payment received they report late payment on the credit report and causing my credit to decreased and I loss a lot of money due to this late payment
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, XXXX XXXX Code XXXX Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX {$41000.00} XXXX {$5400.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Doing the hurricane season, Florida was decaled a disaster area, I applied for a three month forbearance with US Bank and they told if after the three months, if I could n't pay it back, their would work with me on it, Well a few days after it was due, they put me in the credit burial and when I call them, their would say that they are working on the modification that I applied for and that the underwriters are working on it. I told me nothing would happen to my credit and it need.
Product: Consumer Loan

After filling Chapter XXXX Bankruptcy, Alphera Financial Services/BMW was notified. I maintained communication with the company in an attempt to renegotiate the car note. My payments were timely prior unforeseen medical hardship. I inquired about having XXXX notes wrapped to the end of the contract and was successful. In XX/XX/XXXX, I attempted to get the vehicle refinances in-house and via other finance companies sources. Meanwhile, agents from Alphera called me relentlessly on a recorded line despite my demands the agents to cease and desist. I was told that I would continue receiving calls until payments were brought current. I removed my phone number from the online account but calls continued. I sent 8 emails but calls continued. In XX/XX/XXXX, XXXX an Account Manager in Collections transferred me to the finance department and I held for 2 hours until I hang-up. Calls continued to commence on a regular basis. On XX/XX/XXXX at XXXX, I spoke with XXXX on a recorded line however he did not identify that the call was being recorded. I asked for the mailing address for the company however he refused and hung-up abruptly. I located an address online for both XXXX and XXXX, I sent both companies a certified letter asking to cease & desist and offering to voluntarily surrender the vehicle. The letters were received by the same individual. On XX/XX/XXXX, I spoke with XXXX, Account Manager in Collections again to renegotiate my car note. I informed XXXX that I held for two hours when she transferred me to finance. I managed to get the refinance done online but the note was increased, although I attempted to get it reduced by Alphera in-house. At which time, I informed her that I needed to surrender the vehicle. In a threaten tone, XXXX firmly told me that calls may continue, if I surrender the vehicle it would be sold at auction and the debt would be placed on my credit until the full amount was paid in full. In XX/XX/XXXX, XXXX fro XXXX showed up at my house late one night, outside of normal collection hours, blocked my driveway and persisted to harass residents by ringing the doorbell numerous time to retrieve the XXXX. On XX/XX/XXXX at XXXX, a rep from XXXX came to my house. On XX/XX/XXXX at XXXX, another representative came to my house ringing my doorbell claiming to be someone with an alarm company but there was a tow truck present. 
Note : Proof of Phone Calls, Correspondence and Surveillance pictures of the repo reps from XXXX available upon request
Product: Mortgage

Rocket Mortgage miscalculated our property taxes, causing us to underpay. Now they are charging us about {$100.00} extra each month to make up property tax payments they should have been collecting and paying from the beginning. 

I strongly suspect the Rocket mortgage employees we dealt with worked on commission. I think they did this on purpose so they could show us an artificially low total payment and rush us through closing before anyone noticed. 

Heres what they did : Because we bought our condo in XXXX, we owed property tax payments for only part of the XXXX tax year. 

Rocket took the partial-year bill and calculated our taxes as if that bill was for an entire year. 

Rocket used the amount on the partial-year bill to estimate our full-year taxes for XXXX. Doing that artificially lowered the amount held in escrow, which artificially lowered our mortgage payment. Again, Im pretty sure they wanted to show us a lower payment so that wed close, even if the numbers were bogus. 

Now, Rocket Mortgage says were in arrears. And instead of calling or writing to us, Rocket raised our payment due without warning. I only figured this out because the Rocket said our XXXX payment was short. 

Any mortgage company should be able to estimate property taxes. The rates are public information. And anyone who has been through elementary school should know that a year has 12 months, not 3. Anyone who can read should recognize a partial-year bill when he/she sees it.
Product: Credit reporting, credit repair services, or other personal consumer reports

they never sent validation letter certified mail, you need tracking numbers i have it plus receipt i can provide upon request. and no personal interviews was done plus they only said verified as accurate and it has been over 30 days and never mark it being disputed when i sent in the request. where i never gave written permission to these accounts and i only have one address that is on my id not ot any other address and no permission giving. i beleive they are not following rules being fair and understanding of the law. it like they skipped a chapter. 

all the inquiries are still on there its not factual as they say they never shown my signature in any case remove and also the accounts i provided in docs. 

They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. so far nothing has changed and they keep saying verified but did not do it because they did then this complaint would not be here right now which has been emotional due to the whole process and now this takes more time too.

Transunion and other keep saying verified and accurate with no changes made. They said they looked it up but didn't do personal interviews and said this is factual information is allowed that was not properly verified. my response was if so who did their personal interview and how come you violated my rights. So far no changes have been made. Thank you Mr. CFPB for looking into this.

please follow up with this usa cfpb
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several electronic disputes and written disputes to Transunion with no responses. I submitted electronic disputes to Transunion disputing inaccuracies and errors on accounts from XXXX XXXX XXXXXXXX electronic confirmation XXXX and XXXX XXXX XXXXXXXX electronic confirmation XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and recently via certified mail XX/XX/XXXX. The certified mail dispute was confirmed received and signed for by Transunion XX/XX/XXXX. To this day I have yet to receive a response from from Transunion concerning the " Reinvestigation '' of my disputes. I have come to the conclusion that the Furnisher and Transunion are in violation of my rights under the Fair Credit Report act. 
" Section 1681s-2 ( b ) ( 1 ) of the FCRA states that a furnisher of consumer information must conduct an investigation of disputed information upon receiving notice from a consumer reporting agency ( CRA ) that the consumer has disputed the accuracy of the information. '' Transunion and the furnisher have failed to respond and investigate my disputes. 
I also filed a complaint with CFPB against the furnisher XXXX XXXX XXXX. Per the response from the furnisher, they claim that the information being reported to the credit bureaus is accurate. However, that is false and inaccurate. The information the furnisher is submitting across the board to the three major credit bureaus Transunion, XXXX, and XXXX is not consistently accurate or correct. It is the credit bureaus responsibility to have the utmost " 100 percent accuracy '' of information displayed in their consumer credit files. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Transunion and the furnisher has failed to maintain utmost accuracy in credit reporting. Which has violated my rights under the Fair Credit Report Act. 
The FCRA requires credit bureaus to post the remark account information is disputed by consumer within five business days of receiving your dispute. I have filed several disputes and Transunion has failed to comply. According to the Fair Credit Reporting Act these accounts must be removed.
Product: Credit card or prepaid card

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with my account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing my credit report again on XX/XX/XXXX There have been no updates and account is still reflecting on the report. I do not believe the account continues to negatively affect me. Please strike and remove this account from 3 Credit Bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit card or prepaid card

Today, XX/XX/18, I received a pre-approval notice for an XXXX XXXX credit card from Citi. I visited the website listed with the information, I read through the terms, and filled out the required information. As I read the information included in the envelope as well as the information on the application website, I noticed that Citi mentioned that a soft credit inquiry had already been performed. I would receive a hard credit inquiry with the application approval. I submitted the application, and saw a message informing me that my application wasnt approved, despite my application being PRE-APPROVED! No reason for the denial was provided. I also received a hard credit inquiry on my XXXX file, despite Citi claiming that I would not.
Product: Credit reporting or other personal consumer reports

Experian ID Works is doing credit monitoring as a result of data breaches by two entities. Their system can't handle this. I tried to have them set up two accounts for the two data breaches, but they told me it was impossible. When I tried to log in, I am effectively locked out of my credit monitoring accounts. When I tried to have this corrected ( today, on XX/XX/2023 ), they required me to have the code that came with the letter from the party whose data was breached. I had already shredded the letter so I no longer had the information. And, they said they couldn't work backward to discover the incidents for which the entities bought data breach coverage.
Product: Checking or savings account

I deposited XXXX check and taken 45 days to even release certain funds at certain times all of a sudden they close my account when I had almost {$15000.00} in it and they never told me anything about it and they just take my money and I want my money back it's not right