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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed many unauthorized and fraudulent credit inquiries on my credit report, which is causing me alot of problem. I just realized that in the process of applying for a mortgage to purchase a home. I never authorized this inquiries.
Product: Debt collection

I have a paid collections account with Plaza Services that was paid in full. I want it deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've called and written in to Target Card Services several time in which I have proof of signature of documents sent. I have one Target card account however a duplicate account is appearing on my XXXX credit Report only. XXXX and XXXX have one account and the correct info etc. I have asked Target to review the duplicate account that reflects incorrectly a credit limit of {$300.00} with a balance of {$420.00} over the credit limit. In addition the correct account does reflect with my credit line currently at {$1100.00}. I have been disputing this information with both XXXX and Target and received response that the duplicate over the limit account is correct. However when I call into customer service I am told its incorrect. None the less after writting to Target Legal department and Credit Line department I received a letter dated for XX/XX/XXXX inwhich I am attaching a copy to this file.
Its stating from Target that they found the account to be a duplicate and have notified the credit bureaus to remove the duplicate account. I have waited well over 30 days going currently 45 days at this point and time and no update have been made. I am in the process of seeing to purchase a home and the mortgage company is questioning about paying down my over the limit Target Credit Card. I am not able to because its not correct and this is killing my credit score per the credit utilization reporting.
I have spoken to several supervisor at Target. The last supervisor was very helpful but finally called me on XX/XX/XXXX to informed there is nothing more she can do for me. This is unacceptable when clearly Target had admitted to fault and have not fix the mistake and hardship they have caused me. Her name is XXXX and her phone number at Target is XXXX direct.
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thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please remove it from my credit report. Both XXXX XXXX XXXX credit cards accounts are being report inaccurate.
Product: Credit card or prepaid card

Approximately 60 days ago I contacted Citibank after I made my payment of {$100.00} and later saw they added a annual fee of {$99.00} which put me over my limit. I asked if they could wave the fee because, due to COVID19 I was having financial difficulties. They told me they couldn't do that but if I called back in 30 days they could work with me and they reversed my payment of {$100.00}. After 30 days I called them again, as they told me to, and was told they couldn't help me until I was 60 days late and to call back then. I did as told and now they are advising me to make a payment I can't make to get in good standing or they will cancel my card. They also reported my account to the credit bureaus. I am beyond upset as I have followed their instructions thinking I would be able to arrange an affordable resolution without ruining my credit. 



I followed their instructions. I believed they would work with me. They lied.
Product: Mortgage

XX/XX/XXXX I tried to reason with M & T Bank. They wo n't accept a modification package from me.My First mortgage is current but they have no knowledge that M & T Bank has scheduled a sale date for XX/XX/XXXX to sell the home. 

This is second Mortgage I have been trying to work something about with M & T Bank. Each time it is a different person to work with. 

Can the second mortgage foreclose because of the subornation in New York? 
I made a payment to them XX/XX/XXXX and I thought I was on the right track. 

They are so very hard to talk with not to mention work out an agreeable term. 
When you call you have to go through about 6 or 7 people before anyone will discuss your account with you.
Product: Credit card or prepaid card

Does not honor promotion offers. AMEX ran a promotion last XX/XX/XXXX for 100k XXXX XXXX points after $ XXXX spend. I accomplished over $ XXXX spend in the required time frame but afterwards claimed that the sign up was not tied to the promotion even though the email was offered as proof. Have called several times to resolve, but they use delay tactics, and close the complaint without communication. Terrible service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a number of hard inquiries on my credit report and have not have them removed even though XXXX has investigated this issue and found them incorrect. They have deleted them, but Equifax has failed to do so.
Product: Debt collection

I have been sued for a time-barred debt from XXXX. Most importantly I do not believe I owe this debt. Plaintiff is providing minimal information for Servicer Chain of Custody for the last Servicer from XXXX. Plaintiff can not or will not provide any Servicer Chain of Custody records for the Servicers prior to XXXX. None of the Servicer paperwork references the loan number for the debt in question. I have not received information from " anyone '' since XXXX. Nor was I ever told there was payment due. Plaintiff never told me this was a time-barred debt which I believe he is required to do. Instead he replied to me in a letter stating that this debt is not affected by the Statute of Limitations. 

TAKEN FROM DEFENDANTS INITIAL DISCLOSURES. 
a ) Defendant does not believe the Promissory Note in this case is a valid debt owed to the Plaintiff. 

b ) Plaintiff is illegally suing Defendant for a Time-Barred Debt per Section 392.307 of Texas Finance Code, per Section 16.004 of Texas Civil Practice and Remedies Code, and Per Section 392.402 of Texas Finance Code. 

d ) Plaintiff either can not or will not provide the required proof that the Debt in this case is a valid debt by providing Defendant with Loan Servicer Transfer Chain of Custody documents going back to the loan ( Promissory Note ) originator being XXXX XXXX. Plaintiff has not provided Defendant any documents that references the XXXX XXXX XXXX XXXX Promissory Note MIN number, or Promissory Note Contract number proving that it is referencing the same Promissory Note being brought before this Court. 

e ) Defendant has not been contacted by " anyone '' by phone, email, certified mail, or by any other means of communication since discussing the debt with XXXX XXXX and being told " if money was owed after the sale of the Security Instrument ( home ) Defendant would receive a letter from XXXX XXXX within 21 Days ''. Since XXXX to XXXX there has been No contact of any kind, from anyone stating additional monies were due on Promissory Note in this case. This alone indicates that this is not a valid debt, as not one single Loan Servicer Requirement has been met.
Product: Credit reporting or other personal consumer reports

The student loan is on my credit report and check,
Product: Debt collection

Last seen XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  on XX/XX/23. My Insurance company has paid them over {$3500.00}. XXXX billed them for services that was paid already per the XXXX XXXX XXXX XXXX. Called this office several times and left messages with no response! Not giving me details about charges. Dental work not good. Have photos. XXXX XXXX turned a amount to Transworld Systems Collection agency with no information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Billing amount {$410.00}
Product: Debt collection

I am receiving 4-5 phone calls a day which includes phone messages 2-3 times a day.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got an alert from one the Credit Bureaus Equifax that my credit Utilization went from 12 % to 18 %. From my previous. XXXX monthly statement my balance was XXXX. I didn't have a balance or owe any fees. I immediately called the Company and asked " Why did they report that my balance increased, when they don't report until XX/XX/XXXX of this month. The representative ensured me that my balance was XXXX. The amount for {$48.00} increased my utilization and caused my score to drop 10 points on Equifax. My correct balance on XXXX XXXX was {$24.00} The representative from XXXX XXXX told me to call Equifax. I called Equifax and spoke with a supervisor XXXX. He said that XXXX XXXX had updated to the Bureau through electronic. I explained that I was looking at my correct account as we were talking on the phone and that the last report from XX/XX/2020 showed a balance of {$48.00} dollars and that a comparison with XXXX   showed a XXXX  balance from XX/XX/2020. I explained that this was a violation of my FCRA and it should be removed. They refused to remove it. I had also explained that the reporting date was incorrect as well that the company reported on the XXXX of XXXX of the previous month was also the same issue before that I was calling about now. 

I called back to XXXX XXXX XXXX  and asked to speak with a Supervisor. I spoke with a supervisor XXXX  and he reviewed my account and he clearly said that my balance was XXXX  and that they only report once a month. I asked him to explain how Equifax received this information if it wasn't reported. I explained that this was illegal and violated my rights as a consumer. He said that the only feasible thing to do was contact the correspondence via fax and that an investigation would take about 5 days and that was to department that correspond with the bureau 's. I explained meanwhile my credit would remain unchanged and that it would be passed the new reporting month. 

I have all records of the complaint that I'm filing. This is costing me valuable time and money to dispute with the bureau 's and companies not reporting accurate information.
Product: Debt collection

Account was paid in full and closed due to seriously injury requiring XXXX XXXX XXXX/moving out of state. Any charges afterwards are fraudulent charges made by XXXX XXXX XXXX. 

Further, no written notice was received by me from XXXX XXXX XXXX  by email, paper mail ( which was forwarded to new out of state address ), or my mobile number, stating that any amount was due or that any amount was sent to collections. 

Any additional charges claimed by XXXX XXXX XXXX are fraudulent attempts to invent a debt that is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying Comenity Bank regular payments monthly which have significantly reduced my loan amount. However in XXXX they stopped reporting to credit bureaus. When I attempted to reach out to them, they told me they did not plan on updating any information at this time and did not provide any resolution to ever report to credit bureaus again.
Product: Credit reporting or other personal consumer reports

Ive been trying to have XXXX XXXX XXXX  update and correct report and DELETE late payments.I even submitted a complaint through cfpb my contract with XXXX  lenders began XXXX XXXX but I have false payments and transactions reporting on my credit reports dating back from XXXX XXXX. Pursuant to FCRA F section 1681s-2 ( a ) you must delete any incorrect information being reported on my report. I have included a photo of my contract with XXXX XXXX XXXX as evidence of this inaccurate report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a collection account and it is still showing on my credit report as not being paid at all.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I requested two money transfers from my personal bank using XXXX. 
The first transfer was sent immediately but second transfer was placed in a pending status. 
Upon my review in my Paypal account, the second transfer was changed to an echeck with a delivery time of 7-10 days without my knowledge or authorization. 
When I questioned PayPal about this, I was told that my bank had made this change, and I needed to talk to them. 
I did talk to my bank and was told and confirmed by them that the money was transferred out of my bank account on on XX/XX/XXXX. They advised me to reconnect with Paypal for further clarification, which I did. 
I called PayPal a second time and this time I asked to speak with a supervisor. I was refused. I left a call back number with PayPal to allow the supervisor to call me at their earliest convivence. I have not received a call back. 
So now I have money in a pending status without reason or explanation, which has created difficulty for me and the recepient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a consumer loan with XXXX Bank. I was set up on auto pay using my credit card. At some point there was fraud on my credit card and a new card number was issued. However, I forgot that the old number was being used on my auto pay for the XXXX loan. When XXXX attempted to process the the monthly payment using the old number it of course failed. Instead of alerting me to this issue as every other credit granting company, such as either by phone, letter in the mail, email, text, or even an alert on the customer portal saying I was past due, XXXX did none of those things and just sat on their hands and after 30 days reported me to the credit bureaus as 30 days late. 
I have tried filing a complaint with the credit bureaus and XXXX with no success. 

I would have updated my payment method and brought my account current if I had just known about the issue sooner. 

XXXX failed in its legally responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account XXXX  with XXXX XXXX XXXX that has paid in full but is still reflecting the full balance. The account was paid with proceeds from the sale of my house at closing. The title company has supplied me with a copy of the check that cleared the bank and proves they have received the money. I have submitted this and the account only got updated that the balance is still due and increased. Dropped my score XXXX points while in the middle of buying a house.
Product: Credit reporting or other personal consumer reports

XXXX accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX FOR {$1500.00}, XXXX XXXX XXXX, XXXX XXXX, Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXX has relisted XXXX fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

I recently discovered that I have been a victim of identity theft. Unauthorized accounts have been opened in my name, and fraudulent transactions have been made without my knowledge or consent. Specifically : Date of Incident ( s ) :XXXX Details of Fraudulent Activity : credit card accounts for a total of {$2900.00} Company Involved : XXXX Actions Taken : I have already [ filed a police report, contacted the companies involved, placed a fraud alert on my credit report ]. 
Impact : This has negatively affected my credit score and caused significant stress and inconvenience.

I am requesting the CFPB to ensure that the companies involved address this matter appropriately, including closing fraudulent accounts, correcting any credit reporting errors, and improving their security measures to prevent future identity theft.
Product: Credit reporting or other personal consumer reports

Accounts are closed and should be removed from credit report.
Product: Mortgage

I am making a compliant on Select Portfolio Servicing , Inc., regarding my loss mitigation process. Back on XX/XX/XXXX, I requested for a loan modification and since then, all SPS has offered was giving me the runaround with request of the very same documents they have already received. And I ca n't began to tell you how many times I had to start the loss mitigation process over again as SPS would let the requested documents submitted age out and then put the blame on me stating they did n't receive them. I never got a call nor did SPS send me a letter describing what additional documents they needed to move forward with review of my loss mitigation. And they did not ever send me any updates on the status of my review for loss mitigation. 

The date I last submitted documents requested by SPS was on XX/XX/XXXX and I still have n't received any outcome of that loss mitigation, not to mention these were the same documents I have sent in multiple times so I feel that SPS has intentionally prolonged the review process. 

However, SPS did n't have a problem sending me a default letter dated XX/XX/XXXX wherein it 's stated there are options available for me to stay in my home, one of which is loan modification. This is not only confusing but it is deceptive, abusive and unfair. I have diligently provided any and all documents requested by SPS yet without completing my latest review, XXXX XXXX from SPS in a phone call on XX/XX/XXXX, stated that my account has been referred to a foreclosing attorney. How can they be reviewing me for loan modification at the same time they are initiating foreclosure? As I understand it, this is Dual Tracking and it is illegal. 

My hardship started when my husband XXXX got ill and since, he has unexpectedly passed away. This has been devastating for me and my son this past year. I am doing my best to cope with each day without the additional heartache of having to deal with SPS on a matter which should be pretty cut and dried. They are grossly negligent in their process of reviewing me for loss mitigation and I feel they have no system in place to follow the rules and regulations of CFPB or they just do n't care. SPS seems to take no accountability for their actions and I feel how they treat borrowers like me is of no importance to them ; that they are completely insensitive to the chaos they cause in one 's life by all the misinformation and the runaround from the account representatives. 

I kindly request that I be awarded a loan modification as SPS has failed to review me in a timely manner and they did not follow the process of loss mitigation by following the Making Home Affordable guidelines.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit file and found a fraudulent hard inquiry from XXXX XXXX on XX/XX/year> on my consumer credit report. I did not apply for a capital credit card, nor did I give anyone authorization. I contacted XXXX XXXX XXXX XXXX and XXXX XXXX to resolve the issue with no success in resolving this fraudulent issue. I am requesting that the Consumer Financial Protection Bureau investigate this matter and have this hard inquiry removed from my credit file. I have placed a fraud alert on my credit file for protection. In addition, I have filed a fraud report with the Federal Trade Commission. This report is attached. Thank you for your assistance in this matter.
Product: Mortgage

today while on a recorded line speaking to Wells Fargo Bank I spoke with a man named XXXX XXXX who continues to tell Consumer Financial Protection Bureau that they are assisting XXXX XXXX XXXX and family in investigations into the misconduct and financing of property without the knowledge of XXXX XXXX XXXX also at the same time they have told CFPB 60 days to assist with documentation they are not preparing as in ledgers audits on accounts funds produced and also liability claimed as beneficiary of these events. why would Wells Fargo Bank continue to tell Consumer Financial Protection Bureau they are assisting in the recovery of the home and property or the client and his rights when none of such is being done including helping with a forfeiture against current persons in the homes who acquired them for free illegally by XXXX XXXX XXXX who was put into power by Wells Fargo bank. we admitted to Wells Fargo bank that my brother might have been a part of the situation but still my brother is not the beneficiary of the property nor receiving payments for this property on any records that I can find, any proof of the transactions other than what was approved by XXXX XXXX XXXX has been requested. the longer this drags out the more time Wells Fargo Bank has to benefit off this as well as create more problems by for closing forfeiture and sales illegally of the property through the side title companies XXXX County title and XXXX County title all in Washington State and bonded by XXXX trustee services as independent state entity or private/state entity ( s ) funded and insured through Washington State. amateur izations were also requested last year around the same time when notification of the property have a non sufficient funds produced and XXXX XXXX XXXX being the payor of the Dead by and through wells Fargo the legal fraud and transacting wire fraud transfers of money pulling into XXXX right off XXXX to pay debts without his permission nor any rights given. specifically stated that this is out of Wells Fargo 's hands.
Product: Credit card or prepaid card

I would like assistance with a dispute of charges that I filed on XX/XX/XXXX due to fraudulent charges on my credit card. The charges accrued on XX/XX/XXXX at XXXX 'XXXX  XXXX XXXX  XXXX in XXXX KY {$130.00}, {$97.00}, {$77.00}, and {$65.00} for a total of {$370.00} all at this same restaurant. I have called Citi several times to try to get updated information for the dispute. The charges are still on my balance with no refund. My last call was made today due to needing advice. I want to close my card because of how this has been handled and I was told that I could leave the balance that is being disputed and I would not be charged a late fee, or reported to the credit reporting agencies as late by Citi, which is fine, but I would like a letter in writing stating this. No one can provide it nor can anyone give me a update.