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

I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thak you. 

XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian 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 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: Credit reporting or other personal consumer reports

Both Experian and XXXX continue to show that I have Accounts with Adverse Information and Serious Delinquency. Only XXXX shows the alleged account with Delinquency, which shows XXXX XXXX. I have talked to both agencies numerous times on the phone and have mailed information from XXXX that the account was never Delinquent, was paid on time and in full. The crazy part is, both credit reports from Experian and XXXX show XXXX XXXX as Exceptional Payment History, account closed and Paid On Time. I get both of them on the phone and they admit they show no delinquencies at all on my account and will look in to it and fix it. This has gone on for several years and nothing has been fixed. The result Is that some of my credit card companies show a reduced FICO score and most of them show the correct higher ( over XXXX ) scores. I am totally frustrated with both these companies and their total lack of concern and professionalism in this matter, especially since their own Credit Report proves what I am saying. I can't even dispute my case on Experian, because the account shows Exceptional, not even allowing me to click on to dispute. Neither of them can produce any evidence to confirm the negative statements they have in the reports. 


PLEASE HELP!
Product: Checking or savings account

Ive contacted Bank of America regarding the following transactions that Im disputing : XX/XX/21 {$990.00} XXXX XX/XX/21 {$500.00} XXXX XX/XX/21 {$500.00} XXXX XX/XX/21 {$300.00} XXXX They refuse to credit or investigate the claim. They said based on my usage the transactions are valid when they are not. I noticed the fraudulent transactions and ordered a new debit card. They are refusing to put the money back- please assist.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items present on my credit report. Despite previous attempts to address this issue, the fraudulent entries continue to negatively impact my creditworthiness and financial standing. 

I have taken all necessary steps to dispute these fraudulent items, including submitting documentation and evidence supporting my claim of fraud. However, despite my efforts, the items remain on my credit report, causing significant distress and hindrance in my financial affairs. 

I urge you to investigate this matter promptly and take immediate action to remove the fraudulent items from my credit report. It is essential that my credit history accurately reflects my financial responsibility and integrity, and the presence of these fraudulent entries undermines that integrity. 

Furthermore, I request regular updates on the progress of the investigation and the actions being taken to address this matter. Timely communication is crucial in resolving this issue and restoring the accuracy of my credit report. 

Failure to address this complaint in a timely and satisfactory manner may result in further escalation, including legal action and involvement of regulatory authorities. I trust that you understand the severity of this matter and will take swift action to rectify it. I am asking for your assisstance to remove these fraud items in my credit 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have ( 1 ) 30 day late with Bank of America. The month that is was late. I called and Requested something to be done to help me out. I got transferred to a supervisor and the supervisor ensured me that it was okay, The will honor a 1 time forgiveness and it will be removed from my credit. Since that day have I haved to get this removed and I still can not for the life of me. They say ALL calls are recorded, Yet they won't pull up that phone call and honor what they promised. Please hold them accountable for this call and for not removing this from my credit as it has prevented me multiple times from getting things approved credit wise.
Product: Debt collection

On XX/XX/XXXX, I submitted the following complaint to Merchants & Medical Credit via the CFPB : " On my XXXX  credit report, there is an amount of {$470.00} owed to Merchants & Medical Credit. The original creditor is XXXX XXXX. This debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion. '' On XX/XX/XXXX, the company responded with : " This debt is for a class in the fall of XXXX. The consumer attended class and received a passing grade. He made an echeck payment of {$300.00} on XX/XX/XXXX. The school says he still owes {$470.00} He has given us no information confirming he was out of the country at the time of this class. We see no reason to remove this from the consumer 's credit report. It makes no sense that someone would make a payment for a class he didn't attend. Nor, would another person take a class that would give credit to someone other than himself. '' For clarification, I have never made any payment towards this account. Secondly, I have never attended the school mentioned. Thirdly, I graduated from university in spring of XXXX from a school I attended from XXXX, and my transcripts show no record of this alleged class being taken. Fourthly, the company states a credit was given for this class, but as I just mentioned, this class is not shown on my final transcripts from the school I graduated from, therefore I never received any credit for it. Fifthly, the company has repeatedly been advised that this debt is not personally mine. This account remaining on my credit report continues to be in violation of FCRA 623 ( a ) ( 1 ) ( B ).
Product: Debt collection

A company called Lendingpoint called lending point closed my account which stopped me from making payments after I got behind. I tried for months to pay online or get in contact and no one opened my account up. Then they have a debt collector look up my XXXX, call her and threatened to put a lien on my house. I never gave them my XXXX  's information at all. Then they emailed me and called me today saying the same thing. They said the account was closed as of XX/XX/year> and they are lying they closed the account months ago and therefore I could not even attempt to make a payment. They have blocked me from seeing my payment history, they blocked me from seeing the original date when the account was closed snd now they are threatening me with a lien.

I do want to be fair and say they worked with me once for XXXX  months.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX credit card cobranded by XXXX. On XX/XX/year>, they sent a letter to me denying the application. I called them and they could not tell me why denied and said to contact Experian. The phone numbers for Experian did not allow a selection to resolve the fact that my credit score is incorrect, XXXX points lower than XXXX and XXXX. I have sent letters to Experian and XXXX and copied XXXX because there is no way to speak to a human at Experian. And unable to get through to XXXX corporate offices. XXXX at XXXX XXXX XXXX refused to provide me answers about credit score policy or credit score requirements. She would not give me her last name, ID or allow me to speak to a supervisor. 

I have previously complained to Experian about their reporting credit score of XXXX when XXXX and Experian scores are XXXX XXXX. Their responses did not explain the discrepancies. ( See CFPB complaints XXXX and XXXX ) The lack of transparency by XXXX and Experian is unacceptable. The CFPB should require them to provide the specific reasons for denial of credit applications and why denied by using ONLY the incorrect, low score provided by Experian. 

See attached documents with details and proof of credit scores.
Product: Money transfer, virtual currency, or money service

Bank of America XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to cash a check in branch. I was denied because the check was too large. XXXX said the amount of a check that is acceptable to cash in his branch is none of my business and he said I cant come back to cash any other checks.
Product: Mortgage

Ocwen has serviced my mortgage for years. My mortgage fell behind and {$5100.00} was owed. I was contacted by Ocwen Financial offering a modification. I was told to pay {$9300.00} no later than XXXX/XXXX/16 then mortgage will be current. The {$9300.00} was paid to Ocwen, via wire transfer, on that date. The funds were returned w/out notice. I called & was told : First, amt was {$300.00} short, then, I 'm not eligible for modification. I told them they offered it to me, then they said : " Ok now pay {$12000.00} by XXXX/XXXX/16 & you 'll be current & your next regular payment will be due XXXX/XXXX/16 ''. Why was n't it made current w/the original payment? All that is owed is {$6400.00} - why do they want {$12000.00}? I ask for agreement in writing, never get it. Amt owed keeps increasing w/no explanation. Filed a written complaint on Ocwen site - no response. All calls are routed to an XXXX call center - never able to speak w/someone that can help. Funds are available in a separate acct. I need help w/this.
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. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 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: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Enterprise Bank & Trust XX/XX/2023 my bank debit card was " skimmed '' and unauthorized access used on account. I contacted as soon as bank opened next morning and was passed around via phone. I went to the XXXXXXXX XXXX XXXX branch where I was treated very poorly and talked to like I was lying. Come to find out a MAJOR data breach with skimmers in this area and many many people affected. I continue to reach out after 2 weeks to get funds back or the NSF charges reversed and they say " we will '' but NEVER do. 
XXXX ) Why have the bank customers been notified of the breach? 
XXXX ) Why did the bank not have security in place to notice accounts taken to XXXX balances? 
XXXX ) Why did they judge me because I am not " pleasing '' to the eye and have a southern draw? 
XXXX weeks with a KNOWN issue to customers to issue refunds or notify customers of issues. 
The bank is Enterprise Bank & Trust. IMO the worst bank ever. People are rude and mean but 200 percent better than calling the toll free number. I am not going to get into the online banking down 8 hours a night or the old school take out before deposits to get the NSF fees.
Product: Mortgage

Homepoint financial has not responded to my phone calls or messages for the last year over an issue with loan for a home in XXXX, CA. 

They operated with two different portals and at first said they did not have any of my information as the co borrower, for their failure to inform me of any issues regarding of late payments or the home entering foreclosure. 

We tried to remedy the issues with an explanation of why we were not informed including credit disputes but they were insisted on proceeding with foreclosing and not interested in providing on little to no information as to co borrower rights. I finally discovered Home Point had no information for the co borrower in regard for communication and had to provide them with everything all over again. Still they would not allow me to pay over their online pay system and had to make payments over XXXX XXXX. 

No communication was sent or afforded with proper time to prevent fees, hardship, negative credit reporting, and preventing future dealings after the account has been paid in full and dealing with all these issues from Homepoint financial.
Product: Credit reporting or other personal consumer reports

On my XXXX Credit Report there is a Capital One ( account # XXXX ) showing as Open Account with a Balance {$0.00} dollars with a credit limit of {$1000.00}. 
This account was sold to XXXX XXXX XXXX ( account # XXXX ). 
This account is being reported twice on my XXXX Credit Report. 
Please remove this erroneous information from my XXXX Credit Report. 
Thanks
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I, XXXX XXXX asked the three credit reporting agencies to investigate numerous accounts due to the information being inconsistent amongst all three reporting agencies. This was done via certified mail, tracking numbers are : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX All three reporting Agencies responded back as " verified '' as the conclusion to their investigations. On XX/XX/XXXX I asked for methods of verification and I haven't received the information requested since then. This was done via certified mail, tracking numbers are : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I requested the methods of verification again via mail. his was done via certified mail, tracking numbers are : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX I requested that these accounts are REMOVED from my credit profile if the information requested is not provide within 30 days.
Product: Debt collection

I am unaware of this debt. I did not have the opportunity to dispute this debt before appearing on my consumer report, as I did not receive proper notification. If in fact, you disagree, that I did receive proper notification, please provide the CERTIFIED MAIL RECEIPT that includes my signature, stating that I received notification at least 5 days before this debt appearing on my consumer report. I am aware of my rights under the FDCPA and FCRA, which entitle me to receive notification of any debt collection activity and to dispute any inaccuracies on my consumer report. The lack of proper notification violates these rights, and I demand immediate rectification.
Product: Mortgage

On XX/XX/18 my home sold which was financed through Ditech. I had an escrow account set up with my home loan to pay for property taxes and home insurance. Upon closing on XX/XX/18 I was due a refund of {$2300.00} from Ditech. I have called their customer service number several times as I have never received the refund. I wrote down the following dates that I have called in regards to this matter ( there may be more before I began to keep track ) : XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. Each time I have called I have verified my correct address and been told they will research the matter, stop payment on any checks that may have been mailed previously, and send another check. On XX/XX/18 I was told I would receive payment within 10 business days and was told to call back on XX/XX/18 if I had not received payment. I was traveling on that date, so I made sure payment hadnt been received while I was away and called upon returning home on XX/XX/18. On this date I was told there would be a supervisor review performed and I should hear back from them within 3 days. If not, I am to contact them again on XX/XX/18. I am concerned as every time I call I am told a check will be sent promptly and it has now been over 4 months. I have not been told if a check has ever been sent at all or if the matter is still in processing waiting to be sent out. I am hoping to get this matter resolved ASAP. Thank you for your help.
Product: Money transfer, virtual currency, or money service

i transfer XXXX to XXXX and still my money its not here they have very bad costumer service!! my account was disable for trading so i can not see my money or do anything i have several weeks trying to communicate with them but i keep receiving generics answers from bots!!!
Product: Debt collection

National credit adjusters is not license in the state of XXXX XXXX for debt collection. They are only licensed as a supervised lender and should follow XXXX Title 34 Chapter 29, Consumer Finance act. There was no notification sent, messages left or any initial attempts to ensure I'm the responsible party of this debt they claim. This collection was added illegally and I request it be removed from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

I went to Wells Fargo to refinance my debts because I had lost my job and my income had substantially decreased. Instead of consolidating my debts they convinced to take out a new credit card. They told me to put down my previous income ( I was unemployed ) and the loan officer said " Because your probably going to find a job soon ''. My debt continued to get worse and worse and then they gave my son a credit card saying I could use that too. All together I think I had 6 Wells  Fargo bank accounts and three credit cards. When my debt finally got to be more than I could handle, I could no longer pay. Then Wells Fargo sued me in court. I could n't afford an attorney so I attempted to represent myself. Now my credit is destroyed and I 'm starting all over again. <P/>I wish they had just helped me refinance my debt.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have a right to privacy.

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

15 U.S.C. 1681 c, ( a ) ( 5 ) 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 dates 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.