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

My discover home equity loan was refinanced by XXXX XXXX. XXXX XXXX  sent Discover Home Equity a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX finally had to reissue the check and send it again to Discover. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by Discover. However, Discover reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.
Product: Debt collection

Received notification from creditor without information validating the debt is owed by me. This company is in violation of the FCRA reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to you today to inform the Credit Reporting Agencies that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any accounts listed on an ID THEFT Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$14000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$300.00} 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I have received a letter from XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX. The letter states that I have satisfied the account ending in XXXX as of my last payment of {$110.00} on XX/XX/XXXX. XXXX XXXX XXXX XXXX has been wonderful and had great service. With this being stated first, I have been trying to pay all my debts on my credit report one by one. 

So, I received a letter from Midland Credit Management ( MCM ) stating I owed like {$830.00} and I set up payment arrangements to have {$64.00} taken out monthly from my bank account automatically. When I received the paid in full letter from XXXX, I called MCM and stated my case and the worker did not want to cooperate. I asked to speak to a XXXX. He stated, after I stated my case that they are charging me for a paid in full account, that he would stop collections on your account and send me a settled in full letter. I did not agree. I stated that I wanted the entire balance paid to date refunded to my bank account that this is theft and fraud. He stated he could not do that. He was going to issue me a paper check in the mail and could not tell me when I would receive it. I told him that I will be reporting them for theft and fraud.
Product: Mortgage

I was working with Wells Fargo to assume the loan since I was in the process of divorce and was awarded the house. Unfortunately, my ex husband put the house in forbearance resulting in a lot of unpaid mortgage. I was then told by Wells Fargo that they can help me to assume the loan and was working with them, sending them all the paperworks that was asked from me. 

I was then given information by a friend that the state of Texas where I live offer mortgage assistance to those who are behind in payments. I then told Wells Fargo that I will apply since the amount owned will be below and will be covered by the max assistance that was offered. 

I did verified with the mortgage department how much was owed just to make sure and that is why I proceeded to apply because it was still below the maximum amount that the mortgage assistance offer which was {$65000.00} and the time I called Wells Fargo the agent said it was around {$62000.00} and might be a little more but definitely below $ XXXX. 

I then submitted my application and unfortunately was denied because according to the mortgage assistance the amount Wells Fargo had sent them the amount owed was {$79000.00}. I called Wells Fargo that same day I went to the office of the mortgage assistance and Wells Fargo would not verify over the phone what was owed.

I requested them to send it to me via email and mail and never got it. 

At the same time that was happening I was still trying to keep my options open and was still trying to work with WF about assuming the loan. I sent all the paperworks that was asked from me and I even went to one of their branch here in XXXX XXXX, Texas to fax the paperworks asked from me. The branch manager was even the one that personally helped me and faxed it for me. I wait 2 days after it was faxed to give them time to sort it as they advised me to. And every time I verified the representative I talk to said they did received it. Then couple of days later, I would receive a phone call from Wells Fargo stating that they have not received what they requested from me. At first I figured maybe it got overlooked but I didnt want to lose the opportunity them helping me so I would go back to the branch and again the manager would personally help me. This happened multiple times, sending the same paperworks multiple times that the Branch Manager had to call the mortgage department herself and ask whats going on? That literally went no where and we just had to keep faxing the same paperworks over and over again. The branch manager even emailed it directly to the mortgage department and fax it at the same time. 

After months and months of doing this they decided to deny helping me resulting of me facing foreclosure of our home. 

And until now I am still struggling to save my home to where I even filed for XXXX XXXX bankruptcy. 

All I want is to save my house that I believed would have been taken cared of a while back if Wells Fargo had worked and sent the correct amount to the Texas Mortgage Assistance.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 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: Consumer Loan

I sent money by XXXX to ally auto financing in XXXX XXXX 2015 and they will not apply the XXXX payments totaling {$630.00}. I only have XXXX more payments to pay it off and they are threatening to take the vehicle. I have talked to them several times to try and resolve this, but they will not apply the money. 
What are my options?
Product: Credit card or prepaid card

A purchase was made with Wayfair in the amount of {$93.00} and charged to my Wayfair Mastercard Account issued by Citibank. The merchandise was returned to Wayfair via XXXX after calling Wayfair to advise them of the return. I was sent a XXXX  XXXX  via email and the item was picked up on XX/XX/XXXX by XXXX, and received by Wayfair on XX/XX/XXXX. I did not receive credit for the return and initiated a dispute with Citibank Wayfair on XX/XX/XXXX. To date, I have not received a credit for the return, nor a temporary credit during the dispute investigation by Citi. On XXXX Citi added an additional charge to my account in the amount of the initial purchase for another {$93.00} which leaves me with a balance of 2 X {$93.00}. I am getting nowhere attempting to contact Citi myself. I have faxed them proof of pickup and delivery of the item and the receipt at the warehouse by Wayfair 4 times. I faxed the info twice and sent it via US mail in hard copy two times as well. I contacted the bank today and received absolutely no explanation for the incompetent handling of my account, nor an explanation of why I have now been double charged for the original item returned and did not receive the temporary credit for {$93.00} during the investigation process. I was hung up on 4 times by representatives, XXXX, XXXX, XXXX, and XXXX. I still have no resolution to dispute that was initiated over 60 days ago.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to investigate inaccurate items on my credit report despite multiple attempts on my part. On XX/XX/2023, and XX/XX/2023, I sent dispute letters to TransUnion requesting an investigation into erroneous information present on my credit report. Additionally, I contested incorrect personal details listed on my credit report. In both instances, I included a copy of my photo identification, social security card, and a recent bill displaying my current address to assist TransUnion in verifying my identity and address. 

Despite my diligent efforts to rectify the inaccuracies on my credit report, TransUnion has repeatedly failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) by refusing to conduct a thorough investigation into the disputed items. 

I received a response back from TransUnion dated XX/XX/2023, and XX/XX/2023, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

TransUnion 's failure to conduct a proper investigation and correct the inaccuracies on my credit report constitutes a violation of the FCRA. Despite providing all necessary documentation to verify my identity and address, TransUnion has yet to consider its legal obligation to ensure the accuracy of the information contained within my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was robbed and my personal information was stolen and used to get loans and credit. I filed the correct paperwork and sent it to the credit agencies. They have not filed the correct disputes or attached the paperwork I have sent per the FCRA. Also I have not gotten any copies of the verification process which is a violation of the FCRA as well The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. Delete hard inquiries off my account.
Product: Checking or savings account

America First Credit Union is automatically upgrading all it's member 's checking accounts to a premium status which incurs a $ XXXX fee. You have not choice in the upgrade but must opt out of it once you are signed up.
Product: Credit card or prepaid card

XX/XX/XXXX I disputed {$2500.00} in charges from XXXX XXXX. to Capital One. 
XX/XX/XXXX I called them and they said they were working on it. 
XX/XX/XXXX Called again. Got the same answer. 
XX/XX/XXXX Called again. Got the same answer. 
XX/XX/XXXX paid off the account and closed it. 
XX/XX/XXXX they put {$2500.00} credit on my closed account and never informed me. They sent a check that my wife thought was the XXXX settlement. She paid off another Credit card. 
Now they are sending me statements for the XXXX at 25 % interest. I've asked them to work with me by at least lowering the rate. They say they can't. I don't think they should be allowed to put funds into a closed credit card account. 
Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT.XXXX  I don't have that credit card anymore. I know it ends with the # XXXX.
Product: Mortgage

The lender conducted a defective corporate transfer and refuse to correct its failings but instead have initiated foreclosure proceedings against me.
Product: Money transfer, virtual currency, or money service

I opened a PayPal credit account a few months ago. I decided to try the autopay, and it caused two errors. After the first error, I called customer service, and the {$29.00} returned check fee was restored to my account. The same thing happened again on XX/XX/XXXX. The XXXX customer service representative claimed that my bank rejected the auto payment, and they were closing my account because of too many " dishonored payments! '' I was able to make the remaining payments including a {$29.00} " returned check fee. '' I made a manual payment the following day on XX/XX/XXXX for {$110.00} with all the same bank information. The manual payments always worked without a hitch. 

Also, my bank confirms that there is no record of any rejected payments to XXXX. 

My XXXX  credit account was closed and I was offered to apply for another one the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is not a duplicate complaint and I'm not using any third party for this matter. 
I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. 
I have filed FTC report for this matter and have included in this package. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
These hard inquiries must be removed from my report immediately 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 I have included my verification information such as copy of driver license, proof of address, copy of SSN.
Product: Credit card or prepaid card

Comenity bank has for months been unable to provide new ( inherited ) customers with the ability to register an account for a credit card they already have and use. I am asked to input my last XXXX SSN over the phone before I speak to anyone, which is unnerving considering I cant access my statements virtually at all. Customer service has told me there is no time frame for when registration will again be available. How can a financial institution take on an existing credit program without the infrastructure to properly support it?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit reports, I realized that the same accounts were erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reported accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below : XXXX XXXX XXXX A XXXX .... Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$84000.00}
Product: Credit reporting or other personal consumer reports

For the past year, I have been unable to temporarily lift a freeze on my TransUnion account online. I'm told by the site that my freeze can't be found and to call customer service. I call customer service and I'm put through a phone tree. All the while, the AI tells me I can lift the freeze online or by phone. Since I CAN'T do it online, I try by phone. I punch in all the requested identity data only to be told by XXXX XXXX " I can't help you. Let me transfer you to someone who can. '' I'm then left on hold for XXXX minutes. Finally, I reach a representative. I answer, FOR A THIRD TIME, the same identity questions, plus I take a multiple choice test. XXXX, an hour later TransUnion has gotten done what took XXXX minutes with the other XXXX credit reporting companies. I ask for a contact number to try and resolve this ongoing issue. I'm given a number which leads me RIGHT BACK TO THE SAME PHONE TREE I JUST GOT OFF OF!
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost two years I have made payments on time to XXXX XXXX XXXX for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to XXXX in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified XXXX that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. XXXX received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been trying to get credit disputes off my reports from all three credit bureaus so that we can get a mortgage we called, faxed and wrote all three agency 's with no resolve. We are not disputing charges and in fact paid some off.
Product: Mortgage

I applied for a home equity loan with my credit union XXXX   Employees credit union and got a letter of approval for {$33000.00}. I waited 33 days for the loan to be assigned to a processor and today they called me stating my income ratio is not enough to cover the loan and they counter offer me only {$10000.00}. I talked to the supervisor and he said that XXXX car loans under my name are my responsibility. I explained that I'm not doing the payments for the loans and I'm just the cosigner and if they need proof of that I can give them whatever they need. I also told him that why are only taking XXXX of my other income in consideration and not the full amount? And he was saying that they look for income on the next 3 years. It was a whole bunch of running around and he couldn't explained to me where in their written policy says that?! I thing I was discriminated base on my gender and marital status. Please do something about this cause if it was for married couples the approval is faster. Also my credit score is not bad at all.