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

Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX   XXXX Citi Bank, XXXX XXXX, XXXX Citi Bank, 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: Mortgage

Good afternoon, I want to start by saying that I'm not those who complain, but DITECH has no respect for the consumer. When you call the XXXX you can easily be an hour waiting for someone to answer. I'm escalating this situation to you after unsuccessfully trying, for more than two months, to get an answer from this company. 

I received a letter from DITECH dated XX/XX/2018 informing that a new APR was calculated for my mortgage changing XX/XX/XXXX. Based on their explanation the new interest is the addition of the margin 2.2500 % and the LIBOR published that day at the XXXX. According to DITECH, the LIBOR XX/XX/18 was 3.10388 %. However, looking at the site it shows 2.18175 % for the day ( almost a point difference ), 2.36813 % for a week and 3.05275 % for 1 year. Not even close to the 3.10388 % they indicated. 
See the official LIBOR at XXXX XXXX XXXX link. 
XXXX XXXX XXXX XXXX As a result, the APR should NOT be 5.37500 % ( 2.22500+3.10388 and 0.125 rounded up ) as communicated. Instead, it should be 4.43175 % and 4.37500 % after rounded. It is a full point difference. 
For more than two months I have been battling with it. I have sent 5 emails, called more than 8 times ( waiting almost an hour every time I call ), but neither the customer service rep, not the supervisor provides a solution. They understand the Math after checking the XXXX site but the response has always been, " It is under review and someone will get back to you ''. 
I proposed to keep my previous payment until I get a final answer but the supervisor XXXX XXXX batch # XXXX, said the payment won't be accepted therefore my credit will be reported and damaged as a result. I didn't have any other option than paying the new APR. 
I honestly can not understand why DITECH is taking so long. Im also concerned about how a Financial institution can charge whatever they want without supervision and wondering how many others are in the same situation without even noticing. 

Your help is highly appreciated Thanks in advance XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used XXXX XXXX to wire money to a friend to place an order. Later that day I was informed by my friend that he could not place the order so he returned the money using XXXX XXXX. I was alerted by XXXX XXXX that I had the money in my account. I selected to have the money transferred to my bank ( Wells Fargo ). When checking my Wells Fargo checking account a week later I noticed that the money was not in my account. I then requested that was Wells Fargo look into this matter, so I put in a Claim with Wells Fargo. I received a formal letter from Wells Fargo stating that there's nothing that they can do and that they claim was closed. I requested a from XXXX XXXX to speak to a person on the phone as to receipt of posting the money to the Wells Fargo account and I received nothing from Wells Fargo. I made several attempts to reach XXXX XXXX XXXX  by way of email phone texts and I have not received anything from them. I also reached out to my friend to provide proof that the money was taken out of their account and wired to me by way of XXXX XXXX. the proof that I currently have is text messages back and forth to my friend and documentation provided by XXXX XXXX on my cellular phone. I also have documentation where Wells Fargo withdrew the money the next day but did not provide me a refund on my account. 

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

In XXXX my score with Equifax was XXXX. I received some money and immediately payed off/down credit card debt. I also had a old medical debt removed due to age of debt. It is now XXXX and my score dropped to XXXX. When I tried to find out the reasoning in XXXX for my score dropping instead of rising due to the significant decrease of credit card debt, customer service at Equifax said it was due to the " formula '' they used. 

My score with XXXX XXXX is XXXX and has been in that range since paying down my debt. 

Please investigate the so-called formula that Equifax uses .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$7200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

I have been getting charged various amounts on my account. When speaking to the reps in the XXXX Arizona office, they ridicule me, they have cursed me, they have submitted unauthorized payments and hung up on me. When I asked for a copy of the phone recording the supervisor told me " you ai n't getting XXXX ''. I have started recording the calls myself. The other office locations are okay. But I am not able to get anyone to break down the charges other than the late fees and interest. Even the dollar amount on the interest is questionable. The interest is daily, but when I am late it looks as though I am being charged triple the interest.
Product: Credit card

I filed a dispute with Upgrade on XX/XX/year> regarding Transaction Post Date Merchant Transaction Amount* Disputed Amount** XX/XX/year>XXXX XXXX XXXX  {$2900.00} {$2900.00} On today, XX/XX/year>, I received notice XXXX XXXX, Thank you for choosing Upgrade! 

We have received your submitted dispute. We are contacting you to provide a status update on your recent dispute for the following transaction ( s ) : Transaction Post Date Merchant Amount Dispute Status XX/XX/year>XXXX XXXX XXXX {$2900.00} Declined This email is to inform you that we have resolved your dispute. Unfortunately, we had to decline the dispute for the following reason ( XXXX ) : We are unable to override the merchant 's refund policy, and have no further recourse to pursue this matter with merchant. 

I never received what I am being charged for. 

Upgrade is not a good company. They never allowed me rebut what was said by the merchant. Moreover, was verbally told by Upgrade employees that the only people that are declined is if the dispute is not responded to. I supplied evidence that the merchant was processing my refund however to date the merchant has not refunded my money. 

I have no idea who XXXX XXXX is who processed my payment and XXXX sent me the receipt however the company originally associated with that website no longer exists. Please note that others in the program were able to successfully get a permanent credit from their credit card company for the same issue, but Upgrade failed me. 
XXXX  the creator XXXX XXXX and the entire program is fraud. 

Credit card company is Upgrade ( XXXX ) XXXX Upgrade is located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, California XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Experian and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ****
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of several negative accounts and some inquiries on my credit today XX/XX/2020 because I was turned down from getting a loan at XXXX credit union. I looked through each of these accounts & inquiries and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information such as my social security card, date of birth, address etc. I did not gain anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards any of these accounts. I have already notified the companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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



In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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



In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type. 
Per 15 USC 6801 it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.
Product: Checking or savings account

The bank has charged me 4 overdraft fees when my account was never overdrawn. And refuse to give it back because of pending charges that have not gone through. This is the second time we have had this issue with Truist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCOUNT # XXXX was closed XX/XX/2020 but is showing as " current '' on my TransUnion consumer report. ( See attachment reflecting CRA 's reporting incurrent information. ) A closed account can not be reported as current. This inaccurate information is causing harm to my reputation.
Product: Credit reporting

I initiated a dispute with transunion regarding a bankruptcy on my credit report. I requested debt validation and any documents pertaining to this debt. They mailed to me 30 days later a updated credit report that stated the public remains and they verified it. The report is dated XX/XX/2017.This is the 4th attempt to get this matter resolved with them. On the last time I contacted them by phone they told me the bankruptcy court verified it. I sent the bankruptcy court a letter asking them of this process and they sent me a letter saying they do not verify anything it 's done by 3rd party of the credit bureau. I contacted Transunion by telephone XX/XX/2017 and asked how they verified this information and they stated by credit bureau, I spoke to XXXX a supervisor. I explained to him that 's not possible, that I contacted them to verify. He then stated through XXXX XXXX. I immediately contacted XXXX XXXX and asked them about this process. I spoke with XXXX and she stated they never contacted them and they would n't release any information to any one due to the security freeze I placed on my account in XX/XX/2017. The credit bureau is falsely stating that they verified this account and in fact, they have n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Todays Date XX/XX/2019 XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX DOB : XXXX/XXXX/XXXX I received a copy of my credit report, I found a two items on the report were inaccurate accounts. I sent a letter to the credit bureuas & the collection agency where this alleged debt was sold/transferred. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the Equifax security breach, I set an acct freeze with all credit reporting agencies in XXXX/XXXX/XXXX. I wanted to open an acct at XXXX so I lifted freeze on XXXX on Equifax only because of the fee to lift on both of the other agencies. On XXXX I was denied an acct with XXXX FICO and no negatives on any credit reports because XXXX was unable to view my Equifax credit report-all they could see was the title. I spoke 3 times to their customer service who insisted since there was a hard inquiry, they had access to the report so it was their fault. I tried it again on the XXXX with the same result. Unable to find anything online to submit a complaint to Equifax other than submit something in writing or call customer service whove already proved their incompetence and disbelief 3 times now. Ive sent a 2 page letter to the only other contact address I could find. So now I have two inquiries and 2 denials listed on my credit report and lower XXXX score due to XXXX incompetence. Now I cant trust their lift to work in the future or will have to pay a {$10.00} fee to all the others to ensure I can use the credit Ive been building and protecting for years. They control our financial lives and have NO concern over problems theyve caused. If Id have a choice ... I wouldnt allow them access to my information. They have very poor customer service-their front line will not forward calls to anyone that might have some compassion-I believe its their job responsibility to frustrate callers to get them off the phone. Very frustrating process and feel totally helpless with them.
Product: Mortgage

Mortgage through Ditech, closed XX/XX/2017, this month received an " escrow shortage '' in the amount of {$3000.00}. Contacted both city officials and mortgage company, it appears mortgage company using wrong tax information but clearly stated on the city website expected amount/assessed value. mortgage company blames city, city saying this is false. In the interim my monthly payments expected to increase {$500.00}, able to negotiate this down to increase of {$300.00} over next 36 months to make up for both shortage and rate increase. Will potentially have to sell, live on very tight, income.
Product: Credit card

My dog was suffering and needed an expensive operation at XXXX in XXXX. 
The veterinarian handed me a card from CARE CREDIT subsidiary of GE Capital Retail Bank, because I literally maxed out my cards to save my dog battling XXXX. 
The CARE CREDIT Representative I spoke to said We operate as a nonprofit because we know how much we love our animals and operations prescriptions can be expensive. No worry. Theres No interest as long as you pay total borrowing within two years. 
Total {$2000.00}. Credit Line. I used only about {$1800.00}, Paid back more than {$950.00}, I desperately needed small amount to begin surgery, so I took the deal. 
Somehow that number ballooned to over {$2400.00}. AND WORSE, they reported me to credit. 
I had great credit. Now I have Poor credit and its only been 8 months! 
Im furious. 
I dont know what to do. 
The veterinarians missed a XXXX lump and my baby died. 
Worse My mother is fighting XXXX XXXX too and somehow Im moving forward on fumes. 
Advice would be greatly appreciated. 
I dont have a credit card. I destroyed it knowing Id never use it again. 
CARE CREDIT - SYNCHRONY BANK Account number is : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is being reported that payments were made for dates that they were not causing this account to stay on my report longer than it should. I filed a dispute with the agency on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX. I supplied my account statement that was provided to me by the creditor on XX/XX/XXXX along with supporting email communications and my credit report ( highlighted differences between my account statement and my credit report ). After supplying all supporting evidence, a day or two later each time I received the same reply " Verified as accurate '' with no changes made and no information supplied to me on what measures were taken.