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

An old account from XXXX XXXX XXXX  was removed from my credit report in XX/XX/XXXX because it was XXXX XXXX XXXX. In XX/XX/XXXX, it was added back to my credit report with a new first date of delinquency stating it was XX/XX/XXXX. The actual first date of delinquency is XX/XX/XXXX. The report still says the account was closed XX/XX/XXXX which is correct. It was only added back to Equifax and I disputed this information with them 3 times and each time they said that the information is correct. XXXX XXXX changed the date of first delinquency in order to add the negative account back to my credit report after it aged off. I sent a screenshot of a credit report from XX/XX/XXXX showing that account with a date of delinquency XX/XX/XXXX and equifax still will not fix the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a Home Equity Loan from Wells Fargo. The loan was to pay for my Mother 's care for XXXX. I was the trustee for the property ( Mom 's house ), and there was about {$900000.00} in equity in the home. After several conversations and quite a bit of paperwork Wells Fargo told me the loan should be no problem, I had passed the first application and the rest of the process would more or less be a formality. Then out of the blue they sent me a note that I was not getting the loan for two reasons, one of which was that they " did n't offer that type of credit ''. Huh?
Product: Bank account or service

My business wrote a check to our wholesaler XXXX XXXX on XXXX/XXXX/16 for {$44000.00}. The check took a while to clear, and because of the XXXX XXXX holiday we thought it just got hung up. On XXXX/XXXX/16, the check was cashed but not by the intended payee. We called XXXX and they confirmed they did n't receive check number XXXX for {$44000.00}. We immediately called XXXX to let them know of this. We were told to have XXXX fill out an affidavit claiming they did n't receive the check. The check was cashed in a Wells Fargo bank account number XXXX, XXXX Illinois box number XXXX. It 's been over one month and we still had no response from either back except it in Wells Fargo hand. We are not sure who cashed the check, if it was stolen out of the us mail, etc but it 's a large amount of money for A small business to be out. Please advise me on our next step. Thanks!
Product: Credit card or prepaid card

Summary : My Bank of America VISA card, my name, my partial home address, and a fake signature, were used by a hacker on XX/XX/XXXX to purchase a laptop computer for {$2400.00} from XXXX XXXX XXXX XXXX in XXXX. Shipped XXXX, it was made to appear that the item had been ordered by and delivered to me, and signed for by me. Even after many conversations with B of A Fraud Dept., and submitting a detailed affidavit/statement, B of A is still denying my claim, stating " No fraud has occurred, '' and refusing to cover the {$2400.00} loss. the latest letter of denial from them was dated XX/XX/XXXX. 

Detailed Explanation : On XX/XX/XXXX, a hacker, having obtained my Bank of America VISA card number and also my name and ( incomplete ) home address, ordered a laptop computer from XXXX XXXX in XXXX, and charged the amount of {$2400.00} to my VISA card. I had not ordered the item, and I did not receive or sign for the item. We obtained tracking information from XXXX, and it listed my name and an incomplete home address as the recipient, and that it was mailed via XXXX. The tracking information indicated that the item had been delivered to a similar address as mine, but contained a fake signature. 

I first learned about this when the {$2400.00} charge appeared on my VISA statement of XX/XX/XXXX to XX/XX/XXXX. At first, B of A assured me that the loss would be covered. ( letter of XX/XX/XXXX ). Later, on XX/XX/XXXX, we received a letter stating, " After a review of the details you provided, we have determined that no fraud has occurred, '' and added that we would be responsible for the full {$2400.00} charge. 
We asked for a clarification of this decision, and the B of A Fraud Department then recommended that we submit a fraud affidavit ; after many requests, they finally provided the affidavit form to me. I faxed the completed form to the B of A Fraud Dept., along with documents from XXXX showing that the signature in the tracking information was clearly not my signature, and the address was clearly not my complete address. 
The latest letter of denial from the B of A Fraud Department was dated XXXX XXXX, XXXX. 
This was a complex crime, and B of A does not seem to understand how is was that we did not receive the merchandise and did not sign for it. We have been B of A customers for nearly 50 years, and we don't believe we should be treated this way by them.
Product: Credit reporting or other personal consumer reports

I am writing to convey my DISSATISFACTION with your recent assertions regarding my accounts. I hereby CONTEST THESE CLAIMS DUE TO THE ABSENCE OF SUBSTANTIAL FACTUAL EVIDENCE TO SUBSTANTIATE YOUR ALLEGATIONS. Therefore, I strongly urge you to promptly COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS WITHOUT DELAY. These claims have cast a significant cloud over my financial status and have the potential to inflict substantial harm on my creditworthiness. It is crucial that we expediently and accurately resolve this situation to prevent further adverse consequences. 
I demand that you expeditiously challenge these accounts and furnish me with well-documented evidence to substantiate your position. Failure to do so will compel me to pursue a legal remedy to safeguard my rights and rectify this situation. 


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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX Date Opened XXXX Balance $ XXXX-Late/Open Late Dates XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/22, XXXX XXXX XXXX XXXX Date Opened XXXX Balance XXXX XXXX-Late/Closed Late Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the credit report I pulled on XX/XX/2020, I see at least 1 credit inquiries on my credit report from you. Section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately. There are several dates of inquiries on my credit reports Instruct the credit bureaus to remove these inquiries immediately!
Product: Money transfer, virtual currency, or money service

i have had an account with coinbase.com since XXXX and have been a great customer without issues. on XX/XX/XXXX i tried to purchase some virtual account with my account, then i got an error that my account has been XXXX. i taught this may have been for my security but when i contacted support, i was informed that my account has been closed.

i ask the reason and they declined to give me one not even an email notice of any sort. please investigate them 1 ) the stop buy and sell orders whenever the price of virtual currencies are % 30 to the upside.

2 ) i would at least want to know why they closed my account ( i deserve to know its my account ) 3 )  They have my personal information and i want is disposed from their service.
Product: Mortgage

On account ref # XXXX Shellpoint : Stole money from our bank account ; Lied to us about how it was stolen ; Lied about how long it would take for our bank to reverse the charges ; Either lied about " anyone on the phone '' being able to stop our withdrawal from our account or withdrew money from our account without authorization ; Inaccurately issued an ( unnecessary ) refund check to us ; Told us upon our inquiry that our account was not in default and that we shouldn't cash this check ; erroniously reported us as having missed a payment to the credit ratings agencies, being " in default '' ; Never told us that they'd reported us in default or had considered us in default ; Either the check they sent us was a cashier 's check, in which case they just threw away money when they told us not to do anything with it OR lied to us when they told us it had been a cashier 's check ; Still refuse to admit that our credit was damaged because of an accounting error generated by a mix of their own incompetence and dishonesty and our attempts to have our bank stop them from stealing from us when, do to their unresponsiveness, we had no indication we'd ever get our money back ( > {$4200.00} ) ; Continue to refer to only one of MANY phone call transcripts, one which they think somehow clears them even though it also proves their dishonesty or incompetence ; Continue to insist they did nothing wrong because they are either dishonest, incompetent or both
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted Transunion and told them that this inquirires are fradulent and provided proof, even though they told me that this inquirires were verifed. Please dispute and remove this fradulent information from my credit repot. 
XXXXXXXX XXXX  XX/XX/year> 2024
Product: Mortgage

I informed the company that I was deciding on a home and waiting to have seller resolve repairs. Mortgage company went ahead and did an appraisal without confirming I was purchasing. I have an email stating that if I didnt take the home I would be refunded. XXXX reports that they have an email stating I was purchasing from my realtor but can not produce
Product: Debt collection

I bought the car and then I sold the car. The car is not mines anymore. I sold it back in 2014 to a junk yard.
Product: Checking or savings account

During the week of XX/XX/XXXX, I made a purchase on XXXX mistakenly using the wrong card ( debit card ). This was for ~ {$1400.00}. I immediately cancelled the transaction, received notice that a refund was processed, and called the bank to avoid an overdraft scenario. US Bank informed me that it would be no problem whatsoever. I was relieved. By that Friday XX/XX/2018, my bank account had adjusted, the charge was removed, and relevant OD charge was also removed. Great, I have a positive balance in my account, and it reflects this online on Friday, and over the weekend. However, on Monday, XX/XX/XXXX, the charge has re-emerged, and is charged first before several bills that are set to be removed from my account. The first thing I did was transfer money to compensate for the bills. On Tuesday, when everything adjusts again. I am left with 3x {$36.00} OD fees, and a reversed {$1400.00} transaction, leaving me overdrawn by {$80.00}. They purposely manipulated my transaction history, re-applying an already reversed charge in order to justify charging my erroneous OD fees. The only reason Im at a negative {$80.00} balance is from {$100.00} in OD fees. This is deceptive and cruel.
Product: Debt collection

This company reported a debit that i have no knowledge about from XXXX. They reported this debt in XX/XX/XXXX. I never received an original copy of an contract or verification of debt between me and this company and theyre reporting this collection illegally doing so. I will need an ORIGINAL CONTRACT with me AND THIS COMPANY ABILITY RECOVERY stating that I owe a debt. This is a medical debt meaning that HIPPA is involved and I didnt authorize any release of information to this company that im unaware of. Legal actions will be taking if this company dont cease and desist and remove reports from credit bureaus I DID NOT AND WILL NOT AGREE TO ANY SETTLEMENTS AND COMMUNICATION WITH THIS COMPANY. This company need to stop with the antics lying when responding to this complaints & if theres any original contract with me and ABILITY RECOVERY PLEASE DISCLOSED THIS INFORMATION AND DOCUMENTS AS WELL AS MYSELF TO CFPB THIS ISNT a DUPLICATE TO PRIOR COMPLAINT COMPANY NEVER VALIDATED DEBT AND IS COMMITTING PREJURY LYING
Product: Credit reporting or other personal consumer reports

I was affected by the EQUIFAX DATA BREACH my personal information was leaked. I am a victim of IDENTITY THEFT pursuant to 18 USC 1028A. Please check the information concerning the EQUIFAX DATA BREACH below in the attachments including FTC report.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
Product: Mortgage

I recently files Bankruptcy, and the first month I tried calling to make a payments and has been impossible. The wait time is over an hour. 
They removed access to pay the loan online, and i guess that's normal but for the last week I have been traying to call and due to my schedule at work, I cant stay on the phone for over an hour waiting to pay. On XX/XX/19 I have spent 2 ; 25 minutes on HOLD and transfer back and forth and still not able to make the payment. This is frustrating. They aren't helpful and still today I have been unable to make the payment.
Product: Checking or savings account

I went to open an account with XXXX XXXX XXXX and they closed my account stating i had an issue with a Suntrust bank but I have never had Suntrust bank at all. I called Suntrust and went through their fraud department and got a case number with them.
Product: Debt collection

The debt has been paid and I have proof. it is attached below. Additionally I have requested that this item is deleted from all consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Va. At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with XXXX institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Bank, Capital One and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that 3 of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX, Account Name : Dept of Ed/XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX Account XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX Co. # XXXX, Account Name XXXX XXXX XXXX XXXX Acce # XXXX, Account Name : XXXX # XXXX, Account Name XXXX XXXX XXXX Service # XXXX 15 U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   XXXX , contacted my father on   XX/XX/XXXX  t o attemp collection on a debt i no longer owe in the amount of {$38000.00}. They discussed this information on the phone with my father about the debt which was illegal in the first place.  <P/> I had previously sent this company a letter by mail and email 3 years ago for them to cease any and all contact or communication being i do not owe this debt.  <P/> This debt was originally accrued in   XX/XX/XXXX .  It was completely pass the statutes of limitations.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX  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 me 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!

I demand the late payment reported to be removed.

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. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Product: Debt collection

I conducted a serious of disputes regarding suspicious negative items on my credit report in XXXX and the items pertinent to the disputes were deleted. I distinctly remember a fraudulent charge under {$200.00} that was attributed to an address at which I did not reside-one XXXX XXXX at XXXX, TX. Incidentally, following the resolution of the dispute, a department at the XXXX of XXXX referred the " deleted debt '' to an agency called " XXXX XXXX XXXX '' The item was already deleted as the dispute demonstrated that the debt was unfounded and not mine, yet it is being reported once more. I contacted Contract Callers Inc and spoke with a XXXX XXXX, who stated explicitly to me that the company is unable to suspend the account on-file with their office to begin an investigation of sorts to get this matter resolved without obtaining my address to provide me a fraud packet. As I understand it, despite what she said to me, a police report is not needed to move forward with such claims, nor is a company obligated to use a 'fraud packet ' as the sole basis for an identity theft investigation. It was an aggression and deceit that which the collections representative XXXX XXXX employed to obtain personal information from me despite the fact that as a victim of identity theft, I did not feel comfortable giving a company unknown information after already having to use my SSN as self-verification. The information she provided regarding the procedure is untrue just as much as the company is wrong for seeking the fraudulent debt that which has already been permanently removed from consumer reporting agencies.
Product: Mortgage

Residential Credit Solution ( RCS ), a mortgage servicer, placed forced-placed insurance on my property. I do not have a mortgage or loan with this company ; they have no standing to place any type of insurance on my property. The rule on Force-Placed Hazard Insurance became a final rule effective XXXX XXXX, XXXX ( H.R.4173, the Wall Street reform bill entitled, " Dodd-Frank Wall Street Reform and Consumer Protection Act '' ). Section 1024.37 entitled " Forced-Placed Insurance '' - prohibit a servicer from purchasing force-placed insurance if the escrow account contains insufficient funds to pay for the borrower 's hazard insurance. RCS sent me a letter dated XXXX XXXX, XXXX with a copy of the evidence of insurance stating coverage begins XX/XX/XXXX. None of the forced-placed requirements were followed. Again, I state, RCS has no standing, I have no mortgage or loan with this company. My original lender was XXXX XXXX XXXX XXXX and I have a Release of Lien filed in the XXXX County Clerk 's office dated XXXX XXXX, XXXX. XXXX has caused fraud of title, fraud of credit, and fraud of trespass of title.