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

Dear Experian Credit Bureau, I am writing to follow-up on correspondence report number XXXX regarding my consumer credit profile. As stated in my previous letter, there is incorrect information reporting on my credit profile due to identity theft. As requested, I have attached all necessary documents to prove that I was a victim of identity theft. I have also included a statement of fact with further information and documentation to support my claim. I received a response from your bureau stating that my documentation was not accepted for the dispute. However, I assure you that the attached documents are legitimate and clearly show that I am a victim of identity theft. I ask that you please remove the disputed account from my credit profile immediately. It is important that my credit profile accurately reflects my financial history and any fraudulent information should not be included. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the disputed account from my credit profile. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX XXXX
Product: Mortgage

XXXX of XXXX a mortgage broker and countrywide sold me a fraudulent loan prior to closing the broker explained the terms of the loan wold be 7.25 % interest and would adjust to 8.25 % later after closing I found out that the loan adjusted every 6 months to 14.75 % interest in XXXX of XXXX my house went into foreclosure do to the adjusting interest rate that I could not keep up with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the reporting credit agency that lendmark is reporting a repeating charge off for more than 180 days. 

They simply updated the charge off of in XXXX. How we this continues inaccurate reporting was cause for a deletion due to the damage caused by the improper reporting. 

Which has continue to update for since past the 180 day charge off statute The balance was still showing it shouldnt have due to it being charged off. 

XXXX showed my last payment as XXXX XXXX 2018 TransUnion and XXXX showed last payment as XXXX 2018 A high credit amount was shown on XXXX as {$4500.00} While TransUnion and XXXX showed high credit as {$4700.00} Date last active on all 3 XXXX, TransUnion, XXXX are all showing 3 different dates. 


Due to the inaccurate reporting I asked for this account to be deleted. 

It has impacted my credit due to the length of inaccurate report provided to the agencies. 


Has violated my rights with fair credit reporting act. 

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. 


The fact that this charge off was simply updated and not deleted is a clear violation with the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

XXXX trans union reported a eviction on my report from the same apartment resident, with a civil dismissal and no court reported amount. 
Unaware of this report and its recording. In XXXX I was denied approval on multiple occasions from apartment complex after running my credit report. I was unable to lease an apartment so I end up living in an XXXX  for XXXX mos. While attempting to dispute credit report claims that were inaccurate. In some cases with other reporting agencies I was able to raise my score but this action did not change my rental history because I was unaware and not familiar with Rental screening solutions. No rental agency would forward the information to the consumer. 

Trans Union as we speak is still reporting that I was evicted twice from the same residence. I can assure you I have never been evicted. This has cause so much stress and anxiety in my life not to mention the amount of money from being rejected on applications.
Product: Credit card

On XX/XX/XXXX my wife and I went to XXXX to see XXXX. While there I used my Wells Fargo Visa card ending in XXXX. A few days after this trip I received an email from Wells Fargo stating that I was over limit. I pulled the account up on the web and notice many charges that I didn't authorize. I called Wells Fargo 's Fraud department and the rep and I went over the fraudulent charges. The rep said they would file a case and create a new account. A few days later all this happened. However, two new charges appeared on my account ( XXXX - " XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$1500.00} XXXX XXXXXXXX - " XXXX XXXX XXXX XXXX XXXX XXXX - {$1000.00} ). I called Wells Fargo 's fraud department again that these charges where not made by me and they proceeded to create another case. I waited several weeks and after hearing nothing I called that department again asking what was happening. To my surprise the rep said the rep I spoke to previously had mis understood my request and put in a claim that my card application was fraudulent and they determined the application was correct. I was completely shocked and restated my previous claim that the two charges were fraudulent. During the call, as the rep was creating a new claim to replace the incorrect one, I asked why they had credited my account for charges from the same, " XXXX XXXX XXXX vendor made on XXXX and XXXX yet had not credit the charges on XXXX and XXXX? The rep said because they appeared on the account after the original case and 'came in ' later. I became fustrated and said I had no control of when fraudulent charges hit my account. The rep assured me the new claim/case would fix the situation. A few weeks after filing the last case I received a letter stating, " We have completed our research and found the disputed charges on your credit card account are valid and appear to be authorized by you ''. I am completely shocked! I never made these charges.
Product: Credit card or prepaid card

I received a notification from XXXX XXXX via email on XX/XX/2022 that my account was delinquent and credit score has dropped nearly XXXX points. I checked my XXXX XXXX app and saw there was a delinquent payment from Discover. I then checked the payment history section on XXXX XXXX and the Discover Bank Online Account and it showed no late payments. 

I called Discover Bank immediately and was informed that I was 60 days late for a payment due on XX/XX/XXXX as of XXXX of XXXX. My account is set to automatic payments and has posted every month without issue. The account representative me that the payment posted on XX/XX/XXXX was rejected by the bank. This is the first time I'm hearing about this, it was not reflected in my statements, online banking app, or connected credit monitoring app. I received no notification from Discover that there was a pending payment on my account or that they were going to escalate it further. Had I been aware I would have rectified this situation immediately. The representative stated that the credit card cycled into the next billing cycle justifying them reporting to the bureau that the payment is 30-60 days late and that is why my credit had been affected. 

The first Account Representative I spoke with informed me that she had no one she could set us up to speak with. I explained to her that this situation is urgent and it has severely impacted my credit score and to see if there is a supervisor we can speak to. After much deliberation, she finally connected us to a supervisor, XXXX XXXX XXXX, XXXX, Ohio Dept., who claimed that there is " nothing she can do '' and that there is no one above her I can speak with. When I informed her that I was aware that there was an Executive Office for Customer Advocacy she promptly shifted her answer and said she'd connect us with someone. After a 10 minute wait, she transferred us a woman named XXXX XXXX, when I asked her title she told me she was an Account Representative and was not in any supervisory role. She could not inform us of the name of the previous supervisor which we had to find via another representative. She said that there was no available supervisors for me to speak with and asked if she could take a payment. After an additional 15 minutes, we were connected to a supervisor, XXXX XXXX. XXXX was able to file a dispute despite the fact that previous representatives and supervisors told us that it wasn't possible. 

The XXXX app didn't reflect any sort of missed payment or return payment. I wasn't prompted to fix anything or that my payment had been returned. I haven't missed a payment to Discover in my 5 years with the company, so I assumed things were going smoothly as per usual. I am set to move from my home in XXXX XXXX to XXXX, NY in just 2 months time to attend XXXX XXXX. Having my credit drop this significantly is of major concern and has a detrimental affect on my ability to secure housing and therefore my ability to attend school and my future. This underlines the importance to me of having it removed and my credit restored as quickly as possible. 

Discover Bank opened a dispute for this case with Case # : XXXX
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

Someone, whom I don't know, used my Social Security Number, and created an Internet Account in XXXX since XXXX. 
XXXX never contacted me until XX/XX/XXXX when they sent me a letter charging me {$42.00} whose account was XXXX, in the name of XXXX  ( THAT IS NOT MY NAME ). I called Customer Services, filed a complaint and they agreed to investigate what happened. On XXXX XX/XX/23 I received a letter again with the same account, charging {$54.00}, informing me that Telephone XXXX XXXX XXXX had been suspended and that I owed : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX That same day I contacted XXXX XXXX XXXX XXXX XXXX  created claim # XXXX. Valid to date... 
On XXXX I received a call from the company AMSHER COLLECTION SERVICES charging me {$53.00} Account. No. XXXX, type : XXXX XXXX. 
Thus creating a negative note on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX bankruptcy that I planned to convert to a chapter XXXX bankruptcy. The conversion was never processed. The judge vacated the second bankruptcy ( as per the document attached ). This is STILL showing on my file. 

This is not a discharge of debt. It was a discharge of the Trustee prior to any processing of debt. By law, my credit file should NOT show a bankruptcy that never occurred. 

The bankruptcy id is listed as XXXX.and shows a date of XX/XX/2017 Since this bankruptcy was never processed, I want it removed from my file as provided by federal law.
Product: Vehicle loan or lease

I find myself in this position with this bank regularly. I feel the bank is holding the payment as long as possible. I sent out payments to multiple creditors on the same day and they have all cleared my account except this one. Its not a day or two difference its over a week and almost two. In the past the lender blamed the post office even though my other mentioned creditors are further away and not experiencing the same issues. I feel this practice is done purposely to inhibit prepayment and to keep the clock ticking on the interest until the last possible day. I feel this is an infringment on my right to prepayment without penalty and is a deliberate action of the institution. The bank is Lending Club. Their address is XXXX XXXX XXXX XXXX Texas and my account # is XXXX
Product: Mortgage

Hello ... our current mortgage company Home Point Financial offered us a 12 month forbearance under the Cares Act as we were temporarily out of work due to COVID and we were told verbatim that at the end of the forbearance that there would just be 12 months of payments added to the end of the loan. That is not what happened. Once we reported to them that that we were back to work and able to resume payments they added {$22000.00} to our principal balance, 5 more YEARS of payments to our loan and illegally raised our FIXED 30 YEAR intrest rate of 3.25 % to 3.625 %. They have caused a huge financial burden under a program that was supposed to help people. By the time this is all said and done they have added with the intrest rate increase a finanbcial burden of over {$200000.00}!!! Had we been told this is what was going to happed we would have just pulled from our 401K to make the payments. Would have caused a lot less of a financial burden on us. In addition I am quite sure Home Point Financial received government funding from this program. I have asked Homepont Financial several times to provide us with a current amortization schedule and or a spreadsheet showing their calculations justifying adding 5 years of loan payments to our loan and {$22000.00} to our principal and all they have sent me was the original amortization schedule from 5 years ago and a blank document.
Product: Credit reporting, credit repair services, or other personal consumer reports

i would like for XXXX XXXX XXXX, one main financial, and XXXX  XXXX  to zero out my account balances with the credit bureaus. i am not reporting them or anything. i paid off my accounts with them earlier this month and i asked the credit bureaus to send them a request to zero out the balances on the credit reports
Product: Debt collection

My ex-wife made the agreement using my name. I'm not responsible for this debt.
Product: Checking or savings account

XXXX individual {$350.00} withdrawals made from checking account to a fraudulent XXXX accounts during the period of XX/XX/year> and XX/XX/year>. 

Wells Fargo was notified of this action and referred all their investigations to a " Claims Assistance Center '' which made an unsupported determination that the transactions were authorized by a party to the account.

We, as the account holders, made multiple attempts to demonstrate that these withdrawals were fraudulent ; including numerous phone calls to the bank, written correspondence on several occasions and filing police and FBI reports. The bank disregarded this information and made the decision to deny our claim for compensation. After repeated attempts to obtain the internal documents that XXXX XXXX used to make the incorrect determination ; we finally received ( later than originally promised ) XXXX pages of gibberish that only demonstrated that the XXXX of the joint account holders had logged onto the mobile app for this account 3 times during this period for legitimate banking reasons ( XXXX separate dates vs. XXXX dates when the funds were fraudulently distributed by the bank ). The Well Fargo information also notes that " Card Authorization was not performed, or some other problem prevented verification ''. We called the bank Claims Assistance Center on XX/XX/year> for an explanation of the information that they sent us on XX/XX/year> ( received on/about XX/XX/year> ). They assured us that a representative would call on XX/XX/year> ; as was the case on multiple other attempts to obtain information and feedback directly- this return call is yet to occur as of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX  credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
Product: Money transfer, virtual currency, or money service

XX/XX/22 I tried to transfer {$1000.00} XXXX funds back from BlockFi into my bank account. Its been pending since. XXXX. 

XX/XX/22 I tried to transfer {$38000.00} XXXX funds back from BlockFi into my bank account. Its been pending since. XXXX. 

XX/XX/22 I tried to transfer XXXX XXXX XXXX currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 I tried to transfer XXXX XXXX crypto currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 tried to transfer XXXX XXXX crypto currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 I tried to transfer XXXX ETH crypto currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 I tried to transfer {$450.00} XXXX funds back from BlockFi into my bank account. Its been pending since. XXXX. 

All transfers still mark as pending.
Product: Debt collection

15 U.S.C 1681 Section 602 A States I have rights to privacy. 

15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish an account without written instructions. 

15 U.S.C 1682 Section C without prior consent given directly to the debt collector or the express permission of a court competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt,
Product: Money transfers

On XX/XX/2017 at XXXX my Paypal account was permanently limited because of an eBay store listing regarding a skin cream. Paypal does the payment processing for my eBay store and now supposedly micromanages what I can and can not sell on eBay. The reason I was given for my account permanently limited was because I can not sell a certain skin cream. There was no warning given and now Paypal decides to hold {$1600.00} of my funds on the account for 180 days. There reason for holding the money was to make sure there was sufficient funds in case of any customer charge backs. I have very few customer charge back and I do n't think holding that high of an amount is appropriate. Currently, I have {$1600.00} that Paypal will not allow me to transfer to my bank account and they are ignoring my inquiries as well so I have nobody to resolve this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The reported late payment is inaccurate as I made my payment on time. I have included bank statements showing the payment was processed before the due date. 
Account Closure : The account was closed at my request, and no late payments occurred at the time of closure. The reported late payment misrepresents the accounts closure status. Ive included the closure confirmation showing that the account was paid in full before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I am currently on a mortgage forbearance with Flagstar Bank. Forbearance began XX/XX/XXXX. The forbearance was extended through XX/XX/XXXX. Since then I have received a notice on my door to contact the mortgage company. The notice was received XX/XX/XXXX. The man that left the notice did not attempt to make contact. He hung the notice on my door and took a picture. I saw this on my ring camera. I called the mortgage company ( XX/XX/XXXX ) and was informed they would keep coming out as long as my mortgage was in a default status. I explained that I was in forbearance and was not in default at the time when entering forbearance. The rep stated forbearance doesnt stop me from going into default because I still owed and they would continue to make attempts to collect during the forbearance period. I inquired about my options at the end of forbearance. The rep started to discuss the option of mortgage deferral. I asked a question about some of the information provided. The rep did not respond yet I could clearly hear his background. I stayed on the phone repeatedly saying hello, hello? He never hung up but would not reply. I could only hear his background noises. I eventually hung up. He did not call me back and I did not call back because it was clear he intentionally was not replying to me. I have not been able to find information regarding collection attempts during a forbearance. I was on a brief forbearance with the mortgage company prior to Flagstar assuming the loan. Not once did the prior company have anyone come to my home to leave notices nor did they make any collection attempts. Clearly, I chose the forbearance option because of a temporary hardship so why would they think their collection attempts would make my circumstances change.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX Balance : {$0.00}