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

I keep being told over the phone that my account is locked and that they can not unlock it. A supervisor will call me back in 72hrs but no one ever does and its been going on for over 2 weeks.
Product: Mortgage

I have contacted our current loan servicer, Freedom Mortgage by phone in order to recast our loan. I was told to put my request in writing and fax it to them. I did this in XX/XX/2016. Since then I have received letters stating they are looking into my inquiry, but no satisfactory response has been provided. It has been over 90 days now and they continue to '' research '' this issue. I called again to spoke with some one in customer service last week. She actually knew the term re-cast and told me I would have to pay a 20 % downpayment in order to recast. My original loan was with XXXX and I have the terms of the loan stating that I can re-cast at any time with a 10 % downpayment. I have sent this information to Freedom Mortgage as they are to honor the original terms of my loan and not change them just because my loan was sold to them. At this time I feel I need help just trying to recast my loan which should n't be an issue, but it has become one. By the lender 's delay in proving me specific instructions on how to re-cast, I have had to make XXXX payments at the higher amount. I want to make sure my 10 % downpayment is part of the re-cast process, and not merely a payment toward principle. No one has been able to provide instructions, nor do so in a timely manner. I have waited XXXX months now with no help from Freedom Mortgage.
Product: Credit card

On XXXX I received notification from XXXX that Capital One had pulled a credit check without any authorization by me. This hard pull has negatively impacted my credit score.

I contacted Capital One that same day and they would not give me information as to why this was done. Instead that I must write them a letter including all of my personal information to them disputing what they had done. I should not be inconvenienced by their unethical and unauthorized business mistakes and practices. 

I hadn't inquired about credit or an increase from them. There was no reason or authorization by me to pull my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX REMAINING ITEMS TO DISPUTE : XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX - Collection XXXX XXXX XXXXXXXX - Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX - XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I did not give Foursight Capital LLC permission to share my personal information with any other third parties. I wrote them asking for disclosures that I signed that gave them permission to share my information with the top three credit reporting agencies. I have not received a response as of yet.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to have this account verified by XXXX XXXX XXXX, as required by the Fair Credit Reporting Act ( FCRA ). However, the company has failed to provide adequate verification of this account and has not removed it from my credit report. As a result, this unverified account continues to negatively impact my credit score and financial standing. 

I have requested verification from XXXX XXXX XXXX, but their response has either been insufficient or non-existent. This failure to comply with the regulations regarding accurate reporting and verification is not only a violation of the FCRA but also continues to harm my credit profile unjustly. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX complies with federal regulations and removes the unverified account from my credit report. I have attached any relevant documentation, including my communication with XXXX XXXX XXXX, to support my case. 

Please let me know if you require any additional information or documentation to facilitate your investigation. I appreciate your attention to this matter and look forward to your prompt response and resolution.
Product: Checking or savings account

On XX/XX/XXXX  Wells Fargo contacted me by phone informing me that my debit card has been closed, a phone contact in Wells Fargo they informed me that they could not give me a reason why the debit card had been closed so I can no longer use my debit card with Wells Fargo and I no longer have a bank account with Wells Fargo, Wells Fargo customer service to appeal this decision Wells Fargo refuses to answer any of my questions or concerns Regarding why the bank shut my debit card usage down and my account usage was closed resulting and me having no access to my money in the bank
Product: Credit reporting or other personal consumer reports

I am reaching out in regards to a situation with my mortgage company and HAF program ( also known as XXXX  ). On XX/XX/year> I called XXXX in regards to my application and the remaining forward mortgage payment and fees accessed from mortgage company as the property went into foreclosure from XXXX not paying on time. I spoke with a representative and they informed me that a final payment of XXXX would be sent over to my mortgage company Carrington Mortgage and that there will be no more payments moving forward. On XX/XX/year> XXXX forwarded the payment to Carrington Mortgage to fulfill the last six month forward mortgage payment and foreclosure fees. Now Carrington Mortgage is claiming that the wrong account was paid. How did this happen? I have been paying my mortgage on time since XX/XX/year> and now Carrington Mortgage has negative my account the {$1100.00} reversing the funds out of my account and have placed my account as past due even though I have made payments faithfully each month before the due date since XXXX. This has affected my credit score as it has lowered my score XXXX points. I need to understand why Carrington Mortgage is claiming that the XXXX  program paid the incorrect account and have taken the funds out of my account. And if so, what happened to the funds that XXXX told me of back on XX/XX/year> of {$1100.00}. When I call XXXX, they tell me that dont see any notes of me calling multiple times in XXXX which is hard to believe. When I talk to Carrington Mortgage that are forcing me to come up with this money or my account will remain past due. How is my account credited on XX/XX/year> {$1100.00} but then taken out and reversed out of my account six months later on XX/XX/year> because of a Cashier error. However, my account and mortgage statements do not reflect a past due balance and actually show that I am in good standing. So is XXXX XXXX statement trying to steal funds out of my account and place them in someone else 's loan because none of my mortgage statements reflect a past due balance.
Product: Credit reporting or other personal consumer reports

and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2020 - I had noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Experian, XXXX, and XXXX. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies not even yet man. Signature and Attached legible SSc and id as well This insane it has ben over 34 days!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice To creditors and credit Agencies this is a official statement I XXXX XXXX XXXX officially opt out of all credit reporting Invoking my consumer rights under permissible purpose Due to unfair credit reporting and fraudulent activity on my credit report from credit cards and Credit Agencies, TransUnion, XXXX and XXXX after They have continued to display unfair reporting practices so for the following accounts on my credit report I opt out of all credit reporting due to permissible purpose consumer laws.
Product: Checking or savings account

Someone keeps trying to open an account under my name at chase bank and they said they would investigate it this was 2 months ago and the same issue keeps happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper uses of my Credit files Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Wakefield & Associates acquired, furnished and listed an account on my consumer report falsely and inaccurately.I have never held an account with this company and they have attained my personal information and listed a fraudulent account without my consent or permission. I've requested all original documentation ( validation/verification ) of this debt between this company and I, but have yet to receive a response.
Product: Credit card or prepaid card

I have been trying to make all of my accounts current at this time. American Express sent me a statement asking for a minimum payment of {$810.00} on or before XXXX. I sent the payment in on XXXX  and it was accepted. They are now telling me it has been sent to an agency and they can not speak to me on the account. I just wanted them to send me proof that I was current and to continue to accept my payments. They should not have accepted payment if they were not going to work with a customer willing and ready to make payment. I have been a cardholder in good standing for 13 years before my financial hardship.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX the date this account was open and the amount on there is {$630.00}. On XX/XX/XXXX another account was open and the amount on there is {$15.00}. I sent letters XXXX XXXX XXXX XXXX XXXX XXXX with documents XXXX XXXX XXXX, telling the companys that these are fraudulent activities and was not authorized by me, letters was sent to the credit bureau and to the companys that been reporting these information on my profile, the companys never responded and the credit bureau never took these activities off my credit profile
Product: Credit card or prepaid card

Synchrony Bank unilaterally closed my account over a {$44.00} amount due with no notice. I paid the card up to date, but it was closed a day later. On that {$44.00}, the card still had {$24.00} in rewards to be used on Amazon.com They told me that, per their terms and conditions, I forfeited my {$24.00} benefit when they closed the card. This does not seem to me to be legally permissible terms and conditions, especially when they can take unilateral action to take away a defined monetary benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE AN INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE EXPERIAN PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to EXPERIAN was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Payday loan, title loan, or personal loan

Unfortunately this is my second complaint against the collection company XXXX. Today XXXX2017 XXXX from XXXX called my brother, my father, and myself regarding an account that was transferred from XXXX, to XXXX XXXX, and now XXXX. I previously spoke with XXXX and told her not to contact my family members however she continues to do so and has also discussed the details of my account. XXXX from XXXX ( phone # XXXX XXXX XXXX ) also sent a series of text messages to myself and my father from phone number XXXX seeking information. Please note neither my father or my brother are on my XXXX XXXX account and prior to it going to collections I had almost paid off the total balance but fell on hard times ( I had XXXX dollars remaining from a XXXX dollar loan ). I feel as if I am being harassed by XXXX at XXXX, she previously threatened to put me in jail for fraud and continues to contact and harass my family members please help this is getting out of control.
Product: Credit card

Throughout the past couple of weeks, I've been fighting XXXX in a lengthy dispute process. This started when I bought a flight ticket on XX/XX/year> from XXXX XXXX in the amount of {$200.00}. When I bought this ticket, the XXXX website can consistently stated that if I want to cancel for a full refund I can do so within a XXXX Window. When I called in later that day on XX/XX/year> to cancel the ticket with the goal of getting that full refund promised by the airline. When I went on their website, they stated that an error occurred and to come back later. Well how am I supposed to do that if I want a refund within a XXXX XXXX. When their website had an error, I called their customer service over XXXX times and each time they states that they had a system outage and weren't able to process refunds. With that being said, they stated, " Call back later and we will be able to cancel your ticket for a full refund. '' With this being said I called back later and to my surprise they stated that I needed to show proof that they had an outage and request a refund with time, not instantly like they took my money. When I sent the proof, the customer service representative was on the line with me for over an hour, and she stated that indeed they had a system outage and she promised I'd get a full refund and apologized for the mess this has created. When I get a confirmation of my refund, behold they state that I had a non-refundable ticket and could only get {$75.00}, this is unacceptable especially when the company representative has admitted fault. I've got proof of trying to cancel my ticket on XX/XX/year> for a full refund of {$200.00}, this can be proved with time-stamped screenshots and phone calls! I've requested numerous disputes through American Express and they have stated that it is my problem, they will not work with XXXX to resolve this dispute, I want an entire refund. XXXXXXXX XXXX mistake is not my price to pay, please understand how frustrating and stressful this can be!
Product: Credit reporting, credit repair services, or other personal consumer reports

I put my account on automatic payments well suddenly their is no record of that and I get a notice in my credit report that my account is 30 days past due I tried to resolve it but they did not want to work with me. I havent missed a payment in 3 years on anything in my credit report there was a better way that they could have been more customer friendly like even a phone call saying hey we noticed you were past due and I could have cleared up the confusion and made a payment immediately but that chose not to communicate no statements no email nothing just a negative on my credit report
Product: Money transfer, virtual currency, or money service

I saw a post on XXXX from an XXXX XXXX. She posted XXXX XXXX XXXX tickets for the concert XX/XX/2023 at XXXX XXXX in XXXX XXXX California in a XXXX XXXX called things to do in XXXX. She requested two payments of {$500.00}. The first {$500.00} she asked me to send via XXXX to a XXXX XXXX And then the second {$500.00} to another mans name. I got suspicious and asked for the two tickets first which she would send to me via XXXX with my email address. She always made excuses why it wasnt working and I never received them. She kept trying to convince me to send the other money which I did not. I filed a claim with Wells Fargo, but they denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint with furnisher XXXX XXXX XXXX XXXX that has been pending with the consumer finance since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that is still under investigation so I started a dispute with Equifax XX/XX/XXXX, and lo and behold Equifax and its unscrupulous tactics has resolved my complaint on XX/XX/XXXX on an investigation thats been open with the furnisher since XX/XX/XXXX. I provided a document for Equifax to investigate the discrepancy and provide me with the information and the way they performed said investigation. Equifax unscrupulous tactics just closed the investigation before consumer finance could even provide me a conclusion to the other 3 investigations. Equifax did not provide me the proof of the false investigation.
Product: Credit reporting

False information submitted on my credit profile from XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX nor a Credit Card with XXXX XXXX XXXX please remove False Information my Credit Profile
Product: Credit reporting or other personal consumer reports

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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  Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00} and XXXX  XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.
Product: Debt collection

On XX/XX/XXXX, Frontline Asset Strategies , LLC reported a fraudulent XXXX account that I reported to XXXX on XX/XX/XXXX. I contacted XXXX who advised me to put in a new fraud form and mail also the FTC Identity Theft report, which I did on XX/XX/XXXX. I havent received any confirmation in regard to this fraudulent account since then. Frontline Asset Strategies , LLC was notified also by mail, email and phone. I was not sent any notices from the collection agency before placing this on my credit reports as I talked to XXXX, from Frontline Asset Strategies. who stated mail was sent to the address he has on file before reporting this account to the credit bureaus, which was a fraud address and which XXXX was aware of yet Frontline Asset Strategies continues to mail my personal information to the fraudsters. My purchase of a new home is set for closing tomorrow, XX/XX/XXXX, and this caused me to risk {$15000.00} of earnest money. If this account is not removed by XX/XX/XXXX, I will include Frontline Asset Strategies , LLC in a lawsuit to recover the earnest money I will lose due to this fraudulent account they reported and never properly notified me of this before reporting it to credit bureaus, even though this fraud account was reported to XXXX previously on XX/XX/XXXX. I have attached all copies of letters emailed and mailed to both Frontline Asset Strategies , LLC and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of XXXX fraudulent accounts that have been wrongfully reported on my credit file with Equifax and Transunion. These accounts are a direct result of identity theft, and I have provided sufficient documentation to support my claim. The disputed accounts are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX : {$59000.00} Date : XX/XX/year> XXXX. XXXX  XXXX XXXX XXXX : {$1000.00} Date : XX/XX/year> and they have to removed it from my account. I am demanding these accounts be deleted from my credit report immediately.