23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I Received Notification That TransUnion Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The TransUnion Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX, And XXXX. XXXX These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My TransUnion Credit Report Is Still Showing My Debt As {$4700.00} And This Is Not Correct. And The TransUnion Credit Reporting Agency Should Accurately Report That The Balance is Zero.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX were supposed to fall off of my credit report since I filed with XXXX and showed proof that I am 100 % XXXX XXXX. They took these accounts off of my XXXX and transition- but experian refused to remove them even after I filed a dispute. They concluded that they will not. This must be an error. I am trying to buy my first house this year and I will not be able to qualify if my credit report isnt fixed. Please help and remove these XXXX XXXX from my experian credit report and the false late payments on them as well. Thank you so much for your time.
Product: Mortgage

Wells Fargo routinely failed to apply my mortgage payment and can not tell me where the money was applied. I continued to pay on time and was never late. They then manufactured a default. After the foreclosure was dismissed several times, they sold the servicing to another firm ( potentially related to Wells ) and I could not get any answers. I continued to pay my mortgage through 7 years of foreclosure filings and refilling and they never told me where the money went. 

I am XXXX now, and was over XXXX at the time. I was forced to sell the house my husband built for our family over 40 years ago as they would/could not resolve and no other lender would lend to me because of the foreclosure. 

Sometimes, Wells Fargo employees would come to my home and harass me. XXXX. I cry when I see the Wells Fargo branches now. I never received my money back and had to pay astronomical fees on the mortgage when I sold.
Product: Credit reporting or other personal consumer reports

RE : XXXX Social Security Number Reporting - Account # XXXX I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute the reporting of a Fifth Third Bank account to an incorrect Social Security XXXX. This error constitutes a violation of multiple sections of the FCRA : 1. 15 U.S.C. 1681e ( b ) requires that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' 2. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) states that furnishers of information may not furnish information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

3. 15 U.S.C. 1681i ( a ) ( 1 ) requires a prompt investigation of disputed information in a consumer 's file. 

correct SSN is attached in application from bank ending 2233 Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), you have a duty to correct and update information you have determined to be incomplete or inaccurate. I request that you : XXXX. Immediately investigate this error XXXX. Correct the Social Security Number associated with this account XXXX. Notify all credit reporting agencies of this error XXXX. Provide me with written confirmation once the correction has been made Per 15 U.S.C. 1681i ( a ) ( 6 ), I request that you send me the results of your investigation in writing. If you find that the information is indeed incorrect, you must promptly delete or correct the information pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u payment on a credit card account under en open end consumer credit plan as late for purpose.
Product: Checking or savings account

I opened a business checking account on XX/XX/2018 with a {$300.00} bonus offer attached to my account. I have met the bonus terms already but do not yet see the payout into my account. Bank states offer was never attached but it was definitely done as confirmed by the bank rep at the time. 

XXXX  : XXXX
Product: Money transfer, virtual currency, or money service

PayPal has closed my account without giving a reason as to why. I was following their terms of service and wrote to them after the fact but all I have received is an automated reply telling me nothing. I depend on PayPal for my business and I feel i am unfairly treated by them. The email linked to my PayPal account is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I received information in the mail from all 3 agencies, which I will share with the CFPB. As XXXX student loan servicer and credit agencies are placing negative information my credit report it's still not corrected as complained weeks ago. Here is the reference numbers : TransUnion # XXXX ; XXXX # XXXX ; XXXX # XXXX. 

TransUnion ( File Number XXXX ) - Has stated history was updated and " Paid or as Agreed '', but I was 120 days late in XXXX. XXXX did not have this account then and I completed a " rehabilitation program '' in XXXX that removed all " NEGATIVE INFORMATION '' off my credit report. They have placed that information back on there and I can show you years of credit reports without the information reported and I have the rehabilitation paperwork! 

All XXXX XXXX account were removed now reinserted. 

XXXX ( File Number # XXXX ) Is stating the XXXX account will become positive in XX/XX/XXXX as they are reporting negative to information stating I'm " CURRENTLY LATE AS OF LAST MONTH '' Again XXXX is the only account reporting this information. In addition ; XXXX is report addressed I have never live at : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX ( File Number # XXXX ) - Is reporting account " NEVER LATE ''. Which correct is correct Like I mentioned before I'm in the process of buying a house and under contract. This I can not obtain my house due to incorrect information I'm filing all law suit on ALL PARITES INVOLVED! I have been in contact with the person that sued XXXX for XXXX because they would not correct someone credit report. I close on the XXXX of XXXX and I expect this be resolved. If not I have supporting paperwork to address the issue. 

PLEASE REMOVE NAGAITVE INOFORMATION ASAP AND REMOVE INCORRECT ADDRESSES OF MY CRDIT REPORT.
Product: Debt collection

My brother got into an accident in my car, I thought I had forced insurance through my auto loan place and I was wrong. So I'm bring sued for {$4000.00}. I was never notified. It was sent to collections with Brown & Joseph LLC XXXX XXXX XXXX. They sent me a letter telling they were going to suspend my driver 's license if it wasnt paid. I was upset with my brother so I sent him a picture of it, yelling at him for me having to pay this amount of money. He took it apone himself to call them. They allowed him to set up a payment plan under MY NAME without me being the one to call them. I called to argue this with them and they said we'll he had all the information so that's why we let him. I told them that it shouldn't matter because I was not the one to call them. They said it's fine because he put his own card on file. I don't feel they should have even Acknowledged to anyone that I even had an account there with a balance if it was not me. not to mention. I don't think they can suspend my license for something like this. I didn't even do anything. I'm only being held Responsible because the car was in my name that was it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some hard inquiries appeared on my XXXX credit report, which supposed be fraud and I want to remove them for accuracy. 
list of hard inquiries I don't recognize : 1XXXX XXXX XXXX XXXX ( Auto XXXX on XX/XX/XXXXXXXX XXXX XXXX 2/ XXXX XXXX  BANK ( Bank ) on XX/XX/XXXX 3/ XXXX XXXX XXXX XXXX  ( Finance ) on XX/XX/XXXX And one inquires on Equifax report XXXX XXXX BANK XXXX on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX submitted a loan request to a vendor for my solar panel project and the contract was never signed. The loan request was incorrect with $ XXXX in monthly payments with incorrect loan terms of 5 years. We brought this to the attention of XXXX XXXX XXXX and they advised that it was canceled. They provided a new contract with the correct loan time line of 25 years we signed and for nearly a year now, We have paid the correct loan on time to Mosaic Solar. 
We recenly recieved a notice for payment on the contract that was initially created in error dated from XX/XX/XXXX to start payments on XX/XX/XXXX. We have been in communication with Mosaic and they say we are still obligated for payments to the contract that was in error until our solar installer called them. Additionally, I receive notice that a payment was due for the INCORRECT loan amount that was supposedly canceled. This has been reported to my credit; there are TWO active loans in my name when there should only be one. 
Mosaic needs a cancellation form from XXXX XXXX. I called XXXX on XX/XX/XXXX and requested a status update. They advised they would call me by that Saturday with an update. I didn't receive that call. On Thursday XX/XX/XXXX and waited for 10 minutes for an agent to pick up the phone. I called again Monday XX/XX/XXXX at XXXX CST and waited for 30 minutes before I opted to leave a voicemail requesting a call. At XXXX XXXX  CST I called again and waiting for 31 minutes but was never offered voicemail or a call back. I called again on XX/XX/XXXX and waited 5 minutes until prompted to get a call back when an agent was available. On XX/XX/XXXX I requested an update via email. I had gotten replies about this issue on XX/XX/XXXX, so I had hoped my XX/XX/XXXX follow up email would prompt a response and the response I received is that they want to increase the loan amount by {$2000.00} due to some error on their end, not cancel the loan as needed. 
Needless to say communication has been difficult and XXXX XXXX and Mosaic Solar instead of communicating with each other have us playing the middle person in an error of thiers and neither company is taking responsabilty to resolve the isue we have communiacted by phone and in written emails to both companies.
Product: Credit reporting or other personal consumer reports

I am writing about an error on my credit report that needs to be updated asap. Upon reviewing my credit report, I discovered that there is a late payment reported for XX/XX/2023 from my XXXX  credit card account. This late payment is inaccurate and I reached out to the company directly to resolve this. 

I am attaching the letter from XXXX  credit card services, affirming that the reported late payment for XX/XX/2023 is to be updated to reflect as on time. This document provides clear evidence that the late payment was either a mistake or an oversight and should not reflect negatively on my credit history. 

As a responsible consumer, I take great care to ensure that my financial obligations are met in a timely manner. Therefore, it is imperative that this discrepancy be addressed promptly to avoid any unwarranted damage to my credit score and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a member with XXXX XXXX XXXX Bank for over 30 years and my wife and I have a joint credit card with XXXX and my wife has a separate credit card her name only. I was looking to do the same, but my credit card application was denied by XXXX. XXXX informed me by letter dated XX/XX/XXXX ( attached to this complaint ), that I was denied based on the following reasons : - Maximum Credit Limit Reached - Too many accounts with balances - Amount owed on revolving accounts is too high - Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high According to XXXX letter, they made their decision by relying on information from Experian, a credit reporting agency. XXXX included the information they received from Experian in their letter to me. According to XXXX, Experian informed them that my credit score was XXXX as of XX/XX/XXXX. Experian also listed the : Key factors that adversely affected your credit score : - Too many accounts with balances - Amount owed on revolving accounts is too high - Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high - Too few accounts currently paid as agreed - Too many inquiries in the last 12 months I have a pretty good idea of the credit history of both my wife and I. In short, except for the revolving joint credit card with XXXX, we have no debt. Our mortgage was paid off in XXXX, we have had no car loans since XXXX, no student loans, or any secured or unsecured loans or credit. 

Furthermore, my wife and I had security freezes placed on our accounts with all three credit reporting agencies since XXXX of XXXX. Experians letter to XXXX stated that I had Too many inquiries in the last 12 months. We temporary lifted our credit freeze twice over the last year, and once was for XXXX to process my recent credit card application. 

I contacted XXXX and asked them to identify the specific activity on my Experian credit that gave rise to the negative comments noted above by Experian. XXXX told me that they do not have a copy of my Experian credit report but only a letter from Experian noting the Key factors that adversely affect my credit score. 

I requested my credit report from Experian on XX/XX/XXXX to see what acting on my report was resulting in Experians negative comments. ( Ive attached my credit report to this complaint. ) My Experian credit report, 13 pages, indicates three accounts ; the  existing XXXX credit card ( joint ) account, ( open/Never late ), and two Paid, Closed/Never late mortgage loans with XXXX XXXX, the last was paid off in XX/XX/XXXX. 

The credit report indicated that XXXX credit card had a balance of {$3100.00} in XX/XX/XXXX with a credit limit of {$35000.00}.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau XXXX : Dispute of Hard Inquiry on Credit Report Dear CFPB, I am writing to dispute an hard inquiry that appears on my credit report. The inquiry in question is from TD Bank and was made on XX/XX/year>. I believe this inquiry is incorrect and should be removed from my report. I disputed it with TD Bank and they resolved it in my favor however until now that inquiry still appears in my credit report. I contacted XXXX as well but they said they haven't received any TD Bank request to delete that hard inquiry. I tried to explain and provide the letter I got from TD Bank but they explained me that they have to receive the deletion request from the financial institution ( in this case TD Bank ), so right now, TD Bank says they requested to delete the hard inquiry to XXXX and XXXX says they haven't received anything from TD Bank. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled ( page XXXX ) and supporting documents that show why this inquiry is incorrect. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXXXXXX  Freedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Dear Sir/Madam : Account Reference : XXXX I have been a customer with your company starting early XXXX  and during that time, I want to express how pleased I have been with your customer service and also my gratefulness to have experience being serviced by Freedom Mortgage , it is great. I am writing to see if you would be willing to make a one-time " goodwill '' adjustment to your reporting to the three credit agencies. As I review my credit file, I have two late payments on the above referenced account, in which I am fully aware of. The months in which this has taken place are in the months XXXX and XXXX of XXXX. Since that time, your company has been so gracious to offer me a partial claim in which I was just made aware. This opportunity affords me time to inhale and exhale smoothly whilst catching up on all the bills around me as well as build a nest so that I never run into this problem ever again. 


Because of my exceptional payment history over the last few years, I am at your mercy and would like you to consider removing the negative payments from my credit reports. At the time of the late payments, we had just moved into our new home in XX/XX/XXXX and were getting adjusted to the new monthly bill schedule, as well as welcoming my XXXX boy into our lives, I had just returned back to work in effort to get back to our normal routines, I caught XXXX in XXXX and a domino effect my daughter and XXXX sons contracted the virus as well, which required me to take much more time off of work. As a single parent, I was left with the idea of juggling do I pay my mortgage or feed my family and also ensure that the utilities are maintained monthly. Due to this new variant, I have missed payments with my new loan as I wasn't near organized enough yet to have a savings plan in effect. I say this not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Freedom Mortgage is willing to work with me on erasing these marks from my credit reports. 

I am extremely excited and super eager to be a customer of yours, so much so that I am looking forward to refinance with new PMI rates as early as XX/XX/XXXX. I am hopeful to continue a long relationship with Freedom Mortgage. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Freedom Mortgage has been exceptional in our book so far and we highly recommend it to all of our friends and relatives. We hope that you will deeply consider this request and prove once again, why Freedom Mortgage is heads above the rest. I look forward to your reply. 


Thank you in anticipation. 


XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have called them so many times disputing the charges made over the past 3 months where I havent had a physical card nor have I had access to my online account in order to use the digital card and yet all my direct deposits were spent without my knowledge of them being spent cause I had no access to my own bank accounts information until now according to the dispute I made there was over {$5400.00} that the first representative for chime bank said was owed to me and that was over 2 wells ago even though they settled it in less than 24hrs so I appealed it and they are still giving me the run around with no definitive answers and they promised to credit my asking 2000 by the next day and that was over 10 business days ago
Product: Credit card

On XX/XX/2023 I called USAA to permanently closed my credit card account. I spoke with XXXX in the hardship department and she refused to close my account and establish some form payment plan with me. I am willing to pay USAA {$100.00} to {$150.00} a month and permanently closed my credit card account. Instead of her agreeing she is willing to charge my account off instead of working with me on a payment arrangements. I explain to her that I under a doctor 's care and it's on going and I am willing to closed this account and pay them every month. All she could do was apologize that's it. Not closed my account like I wanted and establish and payment plan.
Product: Checking or savings account

Dear CFPB Complaint Division, I am filing this formal complaint against Citibank due to their repeated unlawful banking practices that have now caused me significant financial distress, potential eviction, job insecurity, and health deterioration. 

Summary of Issues : Returned Checks After Clearing Fraudulent Reversals Citibank returned multiple checks after they had already cleared my account, despite my balance never going negative. 
This includes a {$4500.00} check and a {$460.00} check that were returned without justification. 
An earlier check was cleared, deposited, and then reversed weeks later, causing financial harm. 
Unlawful Account Freezes & Denied Transactions Citibank locked my account and blocked transactions when I attempted to purchase a U.S. Postal Service money ordera government-issued transaction requiring ID verification and a clear purpose for funds.

They have repeatedly denied transactions, including purchases made with my PIN, preventing me from accessing my own money.

They blocked me from using my funds at the Post Office, despite having full verification and compliance with federal requirements. 
XXXX XXXX XXXX XXXX XXXX I have already responded to Citibanks requests, yet they keep delaying resolution in 15-day intervals.

This has been ongoing for months, and now they are demanding yet another 15-day delay, despite previously stating they would resolve the issue.

Severe Financial & Personal Harm Caused Missed Payments & Housing Instability Due to Citibanks actions, I have now missed multiple payments, which puts me at risk of eviction filings from my landlord.

Even if funds are restored, my landlord may still proceed with legal action, jeopardizing my housing stability.

Impact on My Employment & Health- I have just returned to work after nearly XXXX in XXXX and XXXX due to severe health conditions. 

This financial instability is causing me extreme stress, impacting my job performance, and directly affecting my health.

Citibanks actions are endangering my ability to remain employed, which could have catastrophic effects on my financial and medical situation.

Demand for Immediate Action- I am demanding the CFPB intervene immediately and hold Citibank accountable for the financial, legal, and personal harm they have caused me. Specifically, I request : Full restoration of all wrongfully reversed funds and compensation for damages caused.

A formal investigation into Citibanks repeated, unjustified account restrictions and returned checks.

A requirement that Citibank ceases its obstructionist tactics and responds within 24 hours rather than using endless 15-day delay tactics.

Regulatory penalties for Citibanks misconduct, particularly in blocking a government-verified USPS money order purchase.

Legal action against Citibank for breach of contract, negligence, and financial harm.

This has gone far beyond an administrative error. Citibanks repeated actions have placed my housing, job, and health at risk, and I will not allow them to continue unchecked. I request an urgent response and resolution from the CFPB immediately. 

Sincerely, XXXX XXXX XXXX