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

I had tried to explain to Experian that the Account XXXX XXXX is fraudulent. I have even sent out police reports to Experian as well as cover letters and copy of my personal documents nothing has been done, they have chosen to keep the account. They will not even validate the account with any information given to me. This my 3rd attempt in trying to get this fraudulent item of my report. I have followed all the guidelines and still no support. I need this account deleted as it is having a huge impact in my life emotionally and financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX XXXX I called wellsfargo to speak to XXXX XXXX XXXX at XXXX ext XXXX .I left XXXX voice mail to return my call.he did not return my calls for a remodify my ex-wife made in XXXX on loan # XXXX client XXXX .it is a different amount from original amount from XXXX remodify in XXXX. I feel that there is foul play in this matter and I want answers.in the divorce decree in XXXX my ex-wife XXXX XXXX XXXX was to assume the loan and I signed over a quick claim deed where she XXXX XXXX XXXX ( ex-wife ) is responsible for the mortgage, taxes and insurance she also filed for XXXX XXXX in XXXX .why is the mortgage still showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for over a year battled credit reporting agency 's and XXXX XXXX  for several accounts i did not open. i have provided police reports as well as identity theft affidavits to all 3 credit reporting agency 's as well as the creditors. I started with 8 accounts which there ae still 2 which I've not been able to clear my name. these would be XXXX and XXXX both by XXXX XXXX. i dont know what else i could provide them to help me clear my name of these accounts i really need your help to resolve this issue as I'm mentally drained and depressed over the issue.
Product: Credit card or prepaid card

I found unauthorized charges on my American Express credit card. I had automatic payments set up for the card, therefore all the charges were paid. These charges were from XXXX. I called XXXX, about the charges. XXXX told me they knew who made the charges, but could not tell me because of HIPPA. I was told I had to dispute it with American Express. On XX/XX/2022 I disputed the charges. The charges were reversed. On XX/XX/2022, I called American express and asked for a refund of the fraudulent charges. As they were paid for by my automatic payment. I was told they would send out a refund check. After that conversation, all the fraudulent charges were put back on my account. I was told that I called on XX/XX/2022 and told American Express that I wanted a refund, so a check was mailed out. They said on XX/XX/2022, I also told them that the charges were legitimate, and to close the fraud case. They are now saying I owe them {$660.00}. Please, I am a XXXX XXXX and I need help.
Product: Prepaid card

I make a purchase through XXXX on XX/XX/23. One part of the order went through without any issues. The second part of the order didn't no matter how many times I tried. I used the same card. Everyone knows XXXX does not ask for security codes. It's interesting that I have a American Express prepaid card and they have no problems letting transactions go through all the time. I contacted the gift card department Friday morning and the agent said she will submit a request to have restrictions lifted. That was a lie. I called again Friday evening and the agent said the same thing and that was a lie. I called again on Saturday morning and the agent said she did not see any notes about the restrictions being lifted. Both agents said it will take 24 hours which XXXX XXXX my XXXX delivery and now I have to make two trips to pickup my order. Purely ridiculous.
Product: Debt collection

They sent repeated emails claiming to be from XXXX XXXX XXXX, XXXX General Counsel For Prime Recovery, LLC, however the emails I received on XX/XX/XXXX, XX/XX/XXXX failed to disclose the account or why they were contacting me, until I reported the emails back to them as potential spam. 

Since then, they have called excessively, upwards of 7 times a day. They have also started to text my phone number. On XX/XX/19, they texted twice with the repeated message in the span of one hour. They have done this repeatedly for three days straight now. 

I had contacted the Bank to resolve the issue. The texting, phone calls, and emails has become harassing.
Product: Mortgage

I mailed Loan Depot a notice of error with my mortgage account and error with reporting me 90 days late to credit bureaus, I also emailed them, talk on phone to there escalations department and attempted to remedy both errors with XXXX  All my attempts failed and im exhausted. I attached my payment history that they sent to me through the XXXX. It clearly shows I was never 90 days late. 



The second error I mailed, emailed and try to get helpful solution and with the assistance of The XXXX XXXX XXXX  was due to a miss mortgage payment in the month of XXXX that I was not notified about until end of XXXX in which caused this compiled effect of miss payments. I am attaching the email from Loan Depot XXXX XXXX XXXX admitting to an error in there system that my month of XX/XX/XXXX payment was recorded as paid due to a glitch in there system. I was notified of this at the end of XXXX and only because I called about my credit report. They could have attached that payment to my recent XXXX XXXX XXXX XXXX that ended in XX/XX/XXXX. This company reps have been very rude and condescending to me. Im asking for them to give me a helpful solution to this payment I was unaware of for 4 months and that they failed to notified me on. Instead I received incorrect 90 day credit report and Notice to XXXX Letters every month because I dont have the means to pay XXXX payment right now.
Product: Credit card or prepaid card

Best Buy Citi Bank visa, on XX/XX/XXXX I expressed mailed a check ( {$1200.00} ) from a 3rd party account to the KY office which is the express delivery address, the envelope was received by an individual as it was stated within the USPS tracking information, payment was processed on the XXXX, mind you, not applied to my account, the information on the check maintained my address but not the account #, I called several times, finally having spoke with someone who found the check, identified it using the my address and the check #, said it would be applied to my account, that was 3 weeks ago, after speaking with another manager from the KY office a week ago, they told me that it could be up to eight weeks before the already deposited funds will be applied to my account! Concerned Consumer, they had the tenacity to tell me that I needed to make a payment towards my account so that it would not be passed do!
Product: Credit reporting or other personal consumer reports

Here Below I've listed all inaccuracies that are being reported by transunion & that should be Deleted from my report Immediately. 

XXXX. The account statuses are different, TransUnion is reporting that its closed but XXXX is reporting that its paid. 
XXXX. These accounts have two different dates to when these accounts were supposedly opened. TransUnion is reporting XX/XX/XXXX but XXXX is reporting XX/XX/XXXX. Both dates can not be accurate, which is false information being reported. Delete immediately. 
XXXX. There are also two different Date Last Active dates reporting inaccurate. TransUnion is Reporting XX/XX/XXXX but XXXX is Reporting Date Last XXXX These are two different accounts please remove both accounts as they both are inaccurate. 
XXXX. All of these errors are reporting inaccurate information on my consumer report and by law you are required to report 100 % accurate information. these are to be remove from my report immediately. 
XXXX. Ive included documents to support my claim and all inaccuracies are Highlighted. If these accounts are not deleted within 10 days, I will be moving forward with a Consumer lawyer to represent me for this unlawful matter. This would result in emotional and financial damages paid out to the consumer ( me ). Thank you kindly for these deletions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle back in 2016. Less than 30 days of having vehicle the car put me on side of road. Company said they would fix but they did not and kept having issues. I turned car back to finance company a month later and have not made payments. The Elite company has me listed as current and making payments. I have not made payments in years since surrendering vehicle. It is listed on my credit report for involuntary repossession. This is information is invalid and false and is affecting my score and debt to income ratio. I need it to be removed immediately. I have sent out letters and nothing has changed and no response. I have always checked into the companies reviews and ratings saw similar complaints and unprofessional customer service with low ratings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not familiar with this a account XXXX XXXX # XXXX, please provide method of verification and validation of debt as I did not receive notice to dispute this information. Also, I have sent Certified mail to this company and received no response. As this company is no longer in business as well. 

Please Deleted ASAP.
Product: Debt collection

XX/XX/XXXX I left multiple messages for the second time since this has been in collections. I called the property them self who referred me to the contact I have been trying to get in communication with the debt collector to resolve this. Debt Its been over 3 months and no return call. They do not have a site nor can you talk to a live person due to having to leave a message always. I left multiple messages. They is affecting my living situation in which I would like to have this removed from my credit so I can continue with my life. 
My husband back in XXXX attempted to communicate with them and no response. 

I filed 2 disputes since then and still they have not reached out or returned my call.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of traffic court violations listed on my credit report incorrectly. The few traffic court cases I've had have all been resolved by paying fines and never resulted in any criminal charges for speeding. Why are these still listed in my credit report? The fines have been paid and the traffic violations should be off my record in each credit report? They happened years ago. 

The only loan open right now for me is a XXXX XXXX that I've refinanced. the approximately {$10000.00} I have left when I refinanced is only a fraction of the over {$80000.00} that I initially started paying off over ten years ago when I graduated from college and began working full time. Therefore it is incorrect for my credit score to say that I have only paid off 15 % of my initial balance. I have paid off over 80 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

Due to covic 19 I applied for US banks modification program for 6 months. The program would expire in XX/XX/2020. I was also told doing this time no payments would have to be made and it would not affect my credit. Once I was 2 months into the program I received calls from debt collectors from US bank. US bank also reported me too all 3 credit bureaus saying that I am 5 months behind on my payments. And reported derogatory credit 120- 149 days late which drop my credit score over 62 points. I was denied a SBA loan and other loans do too there lack of professionalism and inaccurate information. I have called many times in regards to this. I only received the run around and was transferred from departments to another after spending 3 days on phone calls I was told to contact there escalation Department and write a letter. I am self employed and they have harmed me tremendously. my inability to keep my business going has affected me personally as well as financially.
Product: Mortgage

Hello, I am a veteran trying to sell my home in XXXX XXXX. I bought the house in XXXX  and I refinanced using my VA benefit a few times since. My loan now has a rate of 2.25 %. With the current economy the steep increases in rates and the related declines in property values we decided to allow the potential buyers to assume my VA loan. It is a big benefit for them although they would have to put up a sizable down payment. Our issue is that the mortgage originator ( PennyMac ) has been setting roadblocks and have been extremely unresponsive. We have been going through the process for over 2 months now for something that has historically taken less than a month. I suspect that they are delaying and being unresponsive in the hope that the deal falls through and they can get the 2.25 % fixed rate loan off their books. it is completely unacceptable for them to be delaying and stonewalling the way that they have. I am sure that I am not the only one experiencing this issue, and I am sure that PennyMac is not the only mortgage originator behaving in this way. I hope there is someone out there that can help with this issue. As I said, I am an XXXX veteran who served 6 years honorably and then I was a public servant for an additional 10 years working for the federal government.
Product: Credit reporting or other personal consumer reports

On several occasions I have contacted the company XXXX  and the CRAs to provide a copy of a contract with a wet signature proving my business interaction directly with the reporting company of XXXX. Per XXXX, I was told to look online for this information and there no available information. I have asked to have the reportings removed if the information could not be provided and the companies continue to report against my request of proof. Neither of the reporting companies have given me a valid source of proof to report those disputed accounts.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against the credit bureaus for their failure to remove a fraudulent account from my credit reports, despite my repeated requests and provision of necessary documentation. This account was opened without my knowledge or consent and is a clear case of identity theft. 

Details of the Fraudulent Account : Creditor : XXXXXXXX XXXX Account Number : XXXX Balance : {$290.00} On XX/XX/2023, I sent a letter via USPS Certified Mail to the credit bureaus, requesting a thorough investigation and the removal of this fraudulent account. Unfortunately, my request was not only ignored, but I also faced outright refusal to remove this account from my credit file. This inaction on their part is not only distressing but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Protection Act. 

Upon discovering this unauthorized account, I immediately filed an identity theft report with the Federal Trade Commission ( FTC ) and placed a fraud alert on my credit files. Despite these proactive measures, the fraudulent account continues to be a blemish on my credit report, negatively impacting my financial standing and credit health. 

The inaction of the credit bureaus in this matter is unacceptable and unjust. Therefore, I am seeking the intervention of the CFPB to ensure that a proper investigation is conducted and the fraudulent account is promptly removed from my credit records. 

Enclosed with this letter are copies of my previous correspondence with the credit bureaus, the identity theft report filed with the FTC, and other relevant documents supporting my claim. 

I trust that the CFPB will address this grievance with the seriousness it deserves and assist me in rectifying my credit report. I look forward to a prompt and favorable resolution of this issue. 

Thank you for your attention and assistance in this matter.
Product: Checking or savings account

M1 is an online financial services provider and brokerage. I hold a Roth IRA account with M1 that has less than {$10000.00} in assets, and I have been an M1 client since XXXX. Since I signed up in XXXX until now, M1 has not charged monthly fees except to clients who choose to purchase an M1 Plus membership subscription for access to additional features such as trading securities on margin. 

M1 sent me an email on XX/XX/XXXX with the subject line, [ ... ], were making a big change at M1. I will attach the full email to this submission, but in broad strokes it says, We've decided to end our M1 Plus membership program. Our premium features will no longer require membership and will instead be available to everyone who builds and manages their wealth on M1. Starting XX/XX/XXXX, a $ 3 monthly platform fee will apply to clients with less than {$10000.00} in M1 assets or without an active XXXX XXXX. [ ] Based on your current M1 assets as of XX/XX/XXXX, your account will be subject to the monthly platform fee. 

Additionally, M1 charges a {$100.00} ACATS transfer fee ( for in-kind transfers of securities to accounts held at other brokerages ) and a {$100.00} IRA account termination fee. M1s fee schedule can be found here : https : XXXX I believe the imposition of a $ XXXX. platform fee for features I did not request is improper. 

I also believe the ACATS and IRA Termination Fees are junk fees. I am being forced to choose between a $ XXXX. XXXX or paying {$200.00} in transfer and closure fees. 

-- - I contacted M1s client support email later on XX/XX/XXXX to express my concern about M1s imposition of new fees and to request a waiver of the IRA Termination Fee and the ACATS fee. 

I received a response on XX/XX/XXXX from an M1 Client Success Associate saying that, We have passed this feedback along to our team on your behalf. However, M1 is not reimbursing any direct outgoing transfer fees or IRA termination fees. I have attached the email exchange to this submission. 

I have also filed a complaint with my state 's Attorney General 's Office.
Product: Money transfer, virtual currency, or money service

Bill.com refuses to verify my account despite providing my Drivers License, Articles of Incorporation, IL certificate, EIN and bank account verification information. This has been going on for 2 months. At this point, bill.com is stealing money for me by refusing to transmit the payment and/or send me a check from my clients. I spoke with their customer services team and they require me to submit a " selfie '' which is neither a business document or formal requirement ( with a history of identity thief there is no reason for me to share this information given what has already been provided ). I consider this extortion on their part. I have already provided information that is more than sufficient to prove Identity and Ownership. I would like my account to be verified so I can continue to conduct business and for bill.com to release the money I am owed. A XXXX  shouldn't require me to provide more than is what is necessary, and they admitted themselves I have provided all of the legal and regulatory documents required. 

Direct Agent Support Request XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XX/XX/year> Open ACTION REQUIRED : Additional BILL Account Verification Documents : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Awaiting Your Reply Help us verify your identity XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Solved