23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am in the middle of VA IRRRL refi with XXXX XXXX XXXX XXXX. 

I have a loan for an improvement on my home that is currently administered by BSI. They are requiring a subordination agreement and this is the only thing holding up the loan. They have been been work on this since early XXXX and they have made many mistakes and are dragging this process out an unreasonable amount of time. The loan with BSI does not appear on my credit report and was not recorded with the county court house. It took 2 months to get the point where they gave me a list of things needed to be done to start the subordination. 

Here are the issues : *Unresponsive to communications and requests to fix errors when sending my information to the wrong emails that don't exist. 

*Not being able to provide instructions for the subordination for 2 months. 

*Being dishonest about getting the wire transfer. I sent them a wire transfer of a {$350.00} fee on XX/XX/XXXX and they claim they didn't get it until XX/XX/XXXX. 

*Delaying the VA IRRRL process by 4 months so far.
Product: Debt collection

XXXX XXXX XXXX is making my life very hard. They keep finding very old debts and placing them on my credit. Today I received an email and a text stating that i owed a debt of {$540.00} to XXXX from an account from XXXX. This debt was charged off XX/XX/year>. Reading up on the statue of limitations of my state PA this debt is old and they can not put this on my credit report or keep harassing me about this. This is not their first time doing this and me having to fight to get things removed off of my credit. Please advise me my rights with this. Thanks Original Creditor XXXX account number XXXX XXXX  account number XXXX charge off date XX/XX/year> amount {$540.00}
Product: Checking or savings account

Yet again M & T bank is pre-dating transactions ( specifically checks ) with the intention of removing the opportunity for account holder to add needed funds before an overdraft fee occurs. I have an entire folder of proof of this scam. 
I'm a bit of a night owl, I always check my accounts after XXXX, and very very often after XXXX. It's not a matter of the checks going through at a later time. They sit on these transactions, they are nowhere to be found, not even in " pending transactions ''. They lengthy agreement I signed with M & T bank promises the opportunity to deposit funds by XXXX to avoid fees. They hold these checks and do not post them to account ( pending or otherwise ) at least not on account holder end. Their staff maintains they can see them the day before. Even worse. They can see them predated, account holder can not. This is why I take screenshots and save every ATM receipt. 
Just today a check took my account negative. The check posted with yesterday 's date. I checked my account at XXXX, nothing pending. This morning after XXXX, check posted with yesterday 's date and negative account. 
Please let me know where to send the rest of my screenshots, receipts, and other docs I have confirming this scam. I attached only 4 screenshots, I have too many to add all of them here
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter after letter to this company starting in XXXX 2016 when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}
Product: Payday loan, title loan, personal loan, or advance loan

Reprise financial ran my credit and took my credit without my authority. They refuse to give me access to my account.
Product: Checking or savings account

XXXX XXXX XXXX ID : XXXX DOB : XX/XX/year> SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I pulled my early warning services consumer report and noticed there are several inaccuracies reporting that do not belong to me. I have never opened an account with Bank of America and I would like these removed from my Early Warning Services consumer report as soon as possible. 

Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest and seek the correction of inaccurate information on my credit report. Upon reviewing it, I have identified the account reporting late payment inaccurately. Upon contacting the respective companies, they confirmed errors and agreed to update my account, removing the late payments. 

The account in question is : XXXX XXXX. 

The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX on numerous occasions about several accounts on my credit report that was a result of identity theft. Also I called the companies and they keep telling me that the information is factual. 

1. XXXX XXXX -This account was opened on XX/XX/XXXX, the account number that is listed on my XXXX report is XXXX in the amount of {$3100.00}. The company address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXXThis account was opened on XX/XX/XXXX, the account number listed on my XXXX report is XXXX. The company address is XXXX XXXX XXXX XXXX XXXX, MN XXXX. 

3. XXXX XXXX XXXXXXXX - This account was opened on XX/XX/XXXX, the account number listed on my XXXX credit report is XXXX in the amount of {$780.00}. The company address is po box XXXX XXXX XXXX, NY XXXX. All of these accounts are due to identity theft and fraud. I need them to be removed from my credit report permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX on XX/XX/XXXX because this account is reporting inaccurate information. Basis for the dispute:On Equifax Account status is closed, however there is no close date but it shows a last activitydate of XX/XX/XXXX with no close date; However on XXXX it is reporting as " not reported "and closed as a charge off with a date of last activity of XX/XX/XXXX, and on XXXX it is notreporting a closed date or a last activity date. On Equifax and XXXX there are several 90 daylate payments stemming from XX/XX/XXXX all the way to XX/XX/XXXX which is inaccurate.This account is showing inaccurate information on XXXX, Equfiax, and XXXX. XXXX XXXX's response was that they report the same accurate information to each agency however this information is not accurate on my reports and under the FCRA they only report accurate and true information.
Product: Mortgage

I have already filed one complaint with you # XXXX - so details are there. You closed it. An internal audit conducted by Wells Fargo, a company that has been convicted of major crimes, should have never happened. It should have been an outside group doing the audit. We keep saying they are not applying our extra principal correctly ( see attached ) and are asking for an outside group to audit our bi-weekly payments and how they are applied. The extra {$430.00} we pay each month should IMMEDIATELY be applied to principal, and that is not happening, costing us lots of interest and longer in payments. In fact. on the attached pages, which I printed off of WF site, it's not even showing that - if you check each month to month balance on the sheet ( for example - take balance at beginning and ending of month, credit is only a little more than the 'monthly payment of {$1200.00} ). We are paying {$950.00} bi-weekly ( so {$1700.00} every 4 weeks ). We want an outside firm to audit all paperwork ( if you need more, I can provide, or you can ask them ). It's very clear from this brief summary, it's not being applied correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my Identity IQ report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher AFFIRM INC. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of AFFIRM INC I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Product: Debt collection

Collection of 2019 not owed show in collections of {$2100.00} XXXX credit bureau did accept my dispute but not Others. 

Transunion has XXXX different collections for XXXX XXXX XXXX and keep changing reported dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # : XXXX, has violated my rights. 

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

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

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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.
Product: Credit card or prepaid card

My complaint is against Comenity Bank and XXXX XXXX XXXX.I received a notification on my credit report asking if I had closed my XXXX XXXX credit card. The answer is no, I did not. Following this alert I called XXXX XXXX and then Comenity Bank, speaking to several people beginning with XXXX at the XXXX XXXX Headquarters, XXXX, a Senior Account specialist, Employee ID XXXX at Comenity Bank and then finally XXXX at Comenity Bank ext. XXXX that could not and have not answered the simple question of why they would close my account during the covid pandemic. After the credit alert, I received a letter dated XX/XX/2020 stating thank you for contacting Comenity Bank but that my credit card from XXXX XXXX was closed by the bank due to inactivity. As a loyal customer of XXXX XXXX organization, I find this unacceptable. Why would Comenity Bank and XXXX XXXX  choose to close my account during the time of the Covid pandemic when the stores were closed and I was unable to shop on site. I am a XXXX senior and do not shop on line due to my XXXX. As you can see, I have reached out several times to try to settle this issue to no avail. At the very least there should have been a letter of notification prior to this happening giving me the opportunity to use my card on line if necessary to keep the account open or close the account myself.Is there no protection from this type of action? I am very unhappy that this has happened because it is a blemish on my credit which is extremely important to me. I have asked that my card be reopened and was told that that is not possible and I could reapply. This is unconscionable for this to have happened during the Covid pandemic! I would appreciate your help in this matter. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested to delete address that are inaccurate and not reportable per FCRA sent in a Notarized Certified letter picked up at a postal facility at XXXX XXXX  on XX/XX/2020 in XXXX, TX XXXX. Please remove addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. Experian communication of dispute results dated XX/XX/2020 We store address information from information contained in public records. One or more sources reported the address information '' that is inaccurate address that are not deliverable to me by the US Post Office.
Product: Mortgage

US Bank Home Mortgage continues to fail to report payments to the credit reporting agencies. I received and reviewed the extensive reply from US Bank. The information provided in the response offered some clarification but also directly contradicts what they are reporting to XXXX  and XXXX. Attached is a letter from US Bank stating that they have applied a payment made in XX/XX/XXXX to the contractual payment for XX/XX/XXXX. Also attached is a copy of my credit reports ( XXXX  and XXXX  ) showing no payments reported at any point in XX/XX/XXXX or XX/XX/XXXX. Additionally, payments were made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. None of these payments appear on my credit report at any point in XX/XX/XXXX or XX/XX/XXXX. I understand the delinquency status. I understand the process of the TPP. However, I have done extensive research and I have learned that the payments made on the loan should be reported ( even if being reported in XX/XX/XXXX ) to the credit reporting agencies and US Bank has not complied. The last payment date as it appears on my credit report should be accurate and it is not in fact accurate which means US Bank is not in compliance. This negligence has real-life implications which has had grave consequences to me. 

Additionally, the co-borrow and myself have made dozens of attempts to make contact with US Bank in regards to the TPP, to confirm payments or that paperwork has been received and various other important information with no response. I am happy to provide proof of at least 10 emails made to US Bank 's RMDM Consumer Protection group, the previous relationship manager and the new relationship manager, to which I never received any response. I am happy to provide proof of at least a dozen phone calls to US Bank in which we spent hours waiting on the phone only to receive false or conflicting information. Customer service remains appalling. US Bank has little regard for the real life implications of their negligence. As a consumer, I would never recommend US Bank to a friend or family member.
Product: Mortgage

I am at the end of my 5 year term with having to pay PMI on my FHA mortgage and my servicer is telling me that I will have to pay for an appraisal to show the bank that my home is worth more than the $ XXXX I paid for it I do n't recall being told or signing anything when I bought the house that stated me paying for an appraisal would be required for the PMI to be removed. Please investigate the validity of this requirement from my servicer.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAUS EXPERIAN, XXXX, XXXX XXXX, XXXX XXXX  violating my consumer rights under FCRA law. I am a victim of identity theft and fraud, and have filed numerous disputes, as well as sent them a report from a Law Enforcement Agency ( FTC Identity Theft Report ). There is a fraudulent XXXX installment loan that does not belong to me, is completely unauthorized by me. They received a certified letter from me on the XXXX of XX/XX/2024, attached to this complaint, stating my rights under FCRA law and my right to exercise them ; to which they have ignored and stalled and blatantly refused to comply with.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

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

This are the Inquires i found on my credit score after receiving my score, i did not consent this Inquires. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARMAX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX XXXX XXXX XXXXXXXX to have the lateness be removed from my account as I was not aware of the matter. I was out of work for months and I have a family friend used the card while promising to make payment which was not true. I eventually found a job where I made the payment in full which as of today, I owe XXXX dollars. I asked XXXXXXXX XXXX XXXX is there a way the two lateness can be remove where representatives continued to say that I have to reach out to the credit bureau. I have reached out to all three and they each say that XXXXXXXX XXXX XXXXXXXX is not being truthful as they made the reports. All I want is for the two lateness to be removed.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that i recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your file as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. 
XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I have been dealing with this with Transunion and XXXX for years. Today marks over 6 years since I paid the loan off completely. Yet still dealing with XXXX making false claims. Now today XXXX reports a late payment from XX/XX/XXXX which is highly not true to go along with Transunion reporting XXXX for XX/XX/XXXX which isnt true. This loan was paid in full enclosed after dealing with XXXX hurricanes which left the house flooded and left us displaced which XXXX through my insurance company put us in a hotel both times this account was never late, but yet almost 7 years later, still affects my credit history as being the only late payment on my report. I manage XXXX accounts all 100 % this account must be updated on all three credit bureaus to paid in full closed never late and any late payments reflecting be removed immediately. It has been almost 7 years. This is becoming highly disturbing and upsetting. XXXX has put me in a position to where the only negative thing on my credit report is this XXXX account from almost 7 years ago that was paid in full and closed in XXXX. There are no late payments. Transunion and XXXX needs to remove them. XXXX did the right thing they called. They spoke with the representative at XXXX and got the answers. They needed incorrect at the same day.