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

This is the letter i wrote to XXXX XXXX  and their customer service said this was the only way to get response and she promised within 30 days. It has been over 60 days still no response and they have put false information on credit report without informing me. The letter contains all the details below Subject : Urgent Complaint Regarding Unfair Charge-Off on Credit Report Dear XXXX XXXX XXXX XXXX Full name : XXXX XXXX Account number : XXXX Vin number : XXXX Year, Make, Model : XXXX XXXX XXXX XXXX ( XXXX  other other ) Cell : XXXX Email : XXXX My name is XXXX XXXX XXXX I hope this message finds you well. I am writing to express my deep concern and frustration regarding a recent issue with my account that has significantly impacted my credit standing. 
I had a total loss incident with my vehicle covered by your gap services, and I promptly initiated a claim. Throughout the process, I contacted XXXX XXXX XXXX multiple times to inquire about the status of the gap claim. Unfortunately, I was informed that the initial check was lost, and a new one would be reissued. 
Despite my repeated attempts to get updates, the gap claim took an unreasonably long period of 4-5 months to be processed. To my surprise, I later discovered that the gap coverage did not fully address the outstanding balance, leaving me with an unforeseen {$5000.00} owed.

What adds to my frustration is the lack of communication regarding this outstanding amount. Despite making approximately 10 calls to your customer service, I received assurances that the matter was still processing, with no mention of the outstanding balance. I was promised a call to notify me when the processing was complete, but regrettably, that call never came. 
To my utmost dismay, I recently discovered that XXXX XXXX XXXX has reported this as a charge-off on my credit report without any prior communication or notice. This not only adversely affects my credit score but also puts me in an unjust and challenging situation. 
I am seeking immediate resolution and request a thorough investigation into this matter. I insist on the removal of the wrongful charge-off from my credit report, as it was a result of a lack of communication and mismanagement on XXXX XXXX XXXX XXXX part. I believe in fair and transparent financial practices and trust that this issue can be resolved promptly. 
I appreciate your urgent attention to this matter and look forward to a swift resolution. Please give me a call or email me at earliest convenience so we can resolve this matter. 
Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have contacted XXXX, XXXX and TransUnion I have also sent in the proper documents they have yet to contact me or fix anything this is impacting my credit score and keeping me from getting things done. 

I recently did an investigation on my credit report and found several items on there to be in accurate. Recently, I did an investigation on my credit report and found several items there to be inaccurate. 

Under the 15 U.S. Code 1681e ( b ) Accuracy of report 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. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Carrington Mortgage is incorrectly reporting late payments on my credit when I had a loan modification in place. Additionally, Carrington Mortgage lost my modification documents then approved my modification iXXXX XXXX of XXXX  then cancelled in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove addresses that are n't mine. Remove accounts that are n't mine. Continue to add accounts to my report that are n't mine.
Product: Checking or savings account

Opened a college checking account with Chase. Deposited 2 checks in 2 days, each for {$2000.00} ( from parent ). Funds were held until checks cleared, at which point Chase immediately closed the account. The closure letter, dated XX/XX/XXXX, said a check for the funds would be sent. It's now XX/XX/XXXX and no check has been sent. Chase indicates they are waiting to " verify '' the already-cleared checks. They won't say what " verifying '' means or when that might happen.
Product: Bank account or service

On XX/XX/2016 at XXXX EST, I had contacted Chase over the phone ( XXXX ) in request to close my savings account. All went through well and I was informed as of XX/XX/2016 my savings account will be closed. Since I also have a linked checking account I requested that my checking account to be untouched and active. The customer specialist had assured me that there will be no changes to my checking account. But lo and behold, the next day, XX/XX/2016 I got an alert on my checking account that it had been overdrawn. I logged in my online bank to find a miscellaneous debit of my entire balance and a payment that I had scheduled as an overdrawn amount. I had contacted Chase over the phone once again on XX/XX/2016 XXXX EST, asking for answers to this outrageous matter. I was told from a customer specialist ( in the XXXX ) that due to a bank error my account had been closed and my balance had been debited. But I was also told that as soon as Chase figured out that it was a bank error they had reopened my account. I asked who authorized this account to be closed and reopened and have my balance drawn without my consent, which the specialist was n't able to answer. I asked to get my money back right away and the specialist said, it will take at least 24-48hours to get my balance back since the debited balance was scheduled to be mailed out to me. The specialist said she 'll order a stop payment to the check that was to be sent out to me and credit back my balance. Also, the specialist said all overdrawn charges will be credited back to my account instantly. I had bill payments scheduled to go out from my checking account so I was very anxious and checked my account as often as I can to no avail. I got fed up waiting so I visited a Chase branch ( XXXX XXXX, NJ ) on XX/XX/2016 at XXXX EST. One of the employees tried his best to investigate what went wrong with my account for an hour only to find out nothing was being done. There was no request to stop payment on the check to be mailed out to me nor the physical check itself had been mailed out yet. Also, the overdrawn charges had not been credited. After an hour, the bank employee found out from his supervisor that the check will be mailed out to me within next week and that there was n't anything else that can be done at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was charged {$10.00} by XXXX, and {$10.00} by XXXX to freeze my credit information accounts. 

In the wake of this massive credit information breach, I feel it is completely absurd that I have to pay for Equifax 's massive mistakes. XXXX and XXXX did not/will not waive their credit freeze fees as Equifax did ( after receiving massive pressure to do so ). The problem is that all of them store THE SAME information, so only freezing with Equifax is useless. I feel that either XXXX and XXXX should ALSO waive/refund their fees in response to this disaster, or Equifax should cover the price of freezing credit with their competitors. 

Not only am I ( and 143 million other people ) at risk for fraud and identity theft, but I have to pad the pockets of the very companies who collect, store, and sell my information without my consent in the first place.
Product: Credit card

In XXXX I submitted payments thinking that I could use the card to take my daughter on a trip for her birthday. I submitted a deposit and needed this card to pay. I tried to use the card, and it would not work so I called customer service. An agent told me that the card was not the right one, but they could not send out a new card because the account had been closed. I was unaware and requested that my payments be refunded. I was told over and over that I would have received a refund. I was even told that it was in the mail which was not true. I was then told that my payments did not go through and yet the money was not in my account. I have been sending in everything that has been requested and each time I call I get a different response. This has been a very bad experience. I have lost money and have disconnect notices due to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, using my home computer, I attempted to request an annual free copy of my credit report from each credit monitoring company - XXXX, XXXX   and TransUnion. So my first step was to log into XXXX  's webpage which in turn routed me to " XXXX ''. I was given the option of selecting all three credit monitoring companies, once I was on the web screen for XXXX XXXX - for which I selected all three. While I was able to view and print a copy of XXXX  's credit report I was not so fortunate with XXXX  nor TransUnion. Upon completing the XXXX  segment the software skipped right over XXXX and went directly to TransUnion. After the TransUnion credit report was pulled up, and before I'd had an opportunity to review it on screen, while I was trying to figure out how to print a copy of the TransUnion credit report I was kicked out of the system with no apparent way back into XXXX
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to contact these companies listed in the report submitted. I have tried to maintain a healthy credit history but the below have hindered me and many ways. I have been unable to obtain housing and student loans. I have suffered tremendous loss in the last year and this has been one more thing that I have had to deal with. Having accounts opened in my name that are not otherwise mine is very damaging. I need your assistance to rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

pursuant to 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate whether or not it factually took place can be categorized as a transaction that took place between the consumer and the person making the report. This means it should not be included in my consumer report and in fact, is a violation of my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to reach XXXX  on numerous occasions regarding this debt that I allegedly owe. I do not recall ever having a credit card with this company. XXXX is also illegally reporting inaccurate information. This account has been closed and charged-off for years and is still reporting monthly late payments. Which itself is grounds for it's immediate removal from my credit profiles. 

If this account is not removed I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Product: Debt collection

In XXXX of 2020, I was struggling as many others did, and took advantage of the predatory practices of payday lending. I received {$750.00} from this payday lender. I paid the debt off in full, the following month for {$860.00}. I never gave it a second thought, until Ad Astra reported a whopping {$2400.00}. I have disputed this with all of the bureaus and even tried to contact Ad Astra but never got a hold of them. I paid this in full, long before it was ever sold to this despicable company. It has HARMED me in so many ways, I don't think I have enough space here to truly convey it.
Product: Mortgage

I 'm in the process of going through foreclosure and I did a search on the XXXX website for the Trust that is suing me in the instant action XXXX Bank XXXX, XXXX XXXX, as Trustee For XXXX Mortgage XXXX XXXX XXXX, Asset-Backed Pass-Through Certificate, XXXX XXXX XXXX XXXX XXXX, et. al., Case No. : XXXX, in the XXXX Court XXXX XXXX XXXX XXXX XXXX in and for XXXX XXXX, Florida. When I looked on the SEC website the trust did n't exist..
Product: Money transfer, virtual currency, or money service

I am sad to say I am the victim of a scam that originated with an email notification referring to a requested payment in PayPal on XX/XX/24. On XX/XX/24 I logged into my PayPal account and called the phone number shown as the number to call to report I did not do business with the person shown. The person who answered represented himself as a member of PayPal customer service ( XXXX ). 

I did what I later figured out I should have never done. I allowed the person to access my computer where I was told to log into my bank, where the charge showed as being subtracted from my bank account. He was going to correct it, but a larger charge appeared showing I had been paid too much. 

The scam was well underway. I went to my bank and withdrew {$15000.00} which I deposited in a XXXX  matching machine, using the QR code he provided. Of course, my money is gone, Your organization is likely aware of this scam, but I just wanted to report it, in hopes that more warnings can go out describing the scam, I am XXXX XXXX XXXX and sadly was too trusting, I did call XXXX and have them delete the account that was set up, using my driver 's license. I also secured my bank account so my remaining funds could not be accessed. I also took my computer in to have the remote access and any other malware removed. I just pray that these people will be caught and stopped. 

On XX/XX/24, the day after they stole my money, I received a call from the gentleman. I had blocked his phone number, XXXX at ( XXXX ), so it went to voicemail. The call location says XXXX, NY. 

He actually left a message that he needed me to call him so he could close out his report. WOW is all I can say. I guess he wanted to see if he could scam me out of more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX I initiated {$100.00} to XXXX but XXXX deducted {$1000.00} and sent it to my recipient in XXXX, I initiated a dispute against XXXX but the recipient returned the balance of the funds to me. 
To my dismay, Bank of America charged me twice for these transactions making total money debited on my account to be {$2000.00} which I intend to file claims on {$1000.00} on it but I was unable to do so because I was told until it was processed and posted. Some of the payments I made was revised because of lack of enough funds as a result of this transactions. 
I have called severally but no positive solution to resolved this issues, there is no Bank of America branch in Nebraska in order to go there for resolution and my landlord gave me ultimatum till XXXX to resolve my issue and pay the deposit of new house I want to rent. 
Please as a matter of urgency want you to assist to resolve it today in order to pay my rent because XXXX told me that they did not collected {$2000.00}, they only received {$1000.00} To resolve the problem, I would appreciate the {$1000.00} charged refunded back to my account. I want the Bank of American post this transactions so I can be able to dispute it. 
I enclosed my statement of Account, on XX/XX/2022 and XX/XX/2022 where {$1000.00} was charged on each day respectively, the letter from XXXX that they only received {$1000.00} and the letter from my landlord referring to reverse of {$600.00} pay for my house rent because of insufficient funds as a result of this. 
I have contacted Bank of America XXXXorporate Office, no response. 
Please contact me at the above address at XXXX Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2022 my bank accounts were jacked and someone uses my private information to request a loan with a company called money lion for an amount of {$1000.00} usd. 
A report was made immediately with XXXX XXXX XXXXXXXX my bank and some charges and debits made to my checking account were credited immediately, it took a few months the investigation to be completed and closed by the bank, but recently I applied for a credit card and my credit respond was denied in part because I had a delinquent account unpaid which is this particular loan that I never made nor received many for such company. 
XXXX XXXX sent me copy of the agreement and told me that I made such request of loan. 
Obviously they want me to sent my personal information to them to verify but I told them no way Im goin to provide such information to someone I have not make any transactions ever before.

May request at this time is to get help from your end to solve this issue the best possible way Thank you very much for your help
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 .This 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

{$50.00} XXXX payment was completed and when I reached out to both parties, no one was willing to refund my money.
Product: Debt collection

I have sent over two certified letters to both the creditor as well as XXXX and XXXX. I waited over 3 months and still have not received any validation from the creditor proving that this debt is mine. 

This debt is not mine and is unknown to me. When I sent in certified mail to the collections agency and credit bureaus asking for validation and proof, I did not receive any response. 

I want this removed as both the creditor and the bureaus are in violation of the CFPB rules. 


This is not mine and the creditors wont send me any validating documents. 


I want this removed as soon as possible.
Product: Mortgage

I was issued an insurance claim check on XX/XX/XXXX in the amount of {$120000.00} from the mortgage company XXXX ( SOFI ). I mobile deposited the check on XX/XX/XXXX with XXXX ( my checking account ) and proceeded to pay my XXXX to complete the repairs on my home ( house fire in XX/XX/XXXX ). On XX/XX/XXXX, I received a notification from XXXX that they could not clear the check because XXXX ( XXXX ) was rejecting it. After many conversations between SOFI and XXXX, it was determined that SOFI voided the check because I did not properly endorse it with my signature. Although I have mobile deposited many checks before without an endorsement. Subsequently, the check to my contractor bounced and I am unable to pay him and return to my home. On XX/XX/XXXX, XXXX ( SOFI ) told me to take the check to the XXXX branch, endorse it and deposit it. However, this transaction was also declined. On XX/XX/XXXX, I spoke with a XXXX ( SOFI ) insurance claim check rep and was told that they would do a stop pay and reissue of the check and overnight it to me. XXXX days later, when I called XXXX ( SOFI ) because I had not received the overnighted check. I was told that they could not do a stop pay and reissue because XXXX had cleared the funds. This is not true, the check was voided by XXXX ( SOFI ) when they tried to clear it. On XX/XX/XXXX, I requested a copy of the check from XXXX ( SOFI ). On XX/XX/XXXX, I again requested a copy of the check. I was told by Cenlar ( SOFI ) that this was going to be a legal copy of the check and I could simply endorse it and deposit it like a normal check. They told me to wait XXXX - 10 days business days for the check to arrive. The check never arrived, I called on Wednesday, XX/XX/XXXX and they told me I needed to call back after the XXXX business so I again called on Thursday, XX/XX/XXXX and requested a new legal copy be overnighted to me. I called on Friday, XX/XX/XXXX and was told the request had been approved and to call back on Monday, XX/XX/XXXX to receive a XXXX tracking number. I called on Monday, XX/XX/XXXX and was told that in fact a legal copy of the check can not be sent because it would need to come from the bank that I deposited it from. XXXX has confirmed they can not produce a legal copy of the check. I told this to the XXXX ( SOFI ) rep and he said the only thing they can do then is to stop pay and reissue the check. I questioned this as I was told earlier in the process that they could not do a stop pay and reissue of the check but he told me he didn't see that request in my records. He told me to call back in XXXX business days to check on the request. 

At this point, I can not pay my contractor to return to my home. I need these funds for {$120000.00} that are owed to me immediately. XXXX ( SOFI ) has been unhelpful. They have not left any messages or provided me with any updates. I have called numerous times even more than listed above and have been told multiple different things but different representatives.