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

On XX/XX/2021, I requested fro an estimated rate by filling the online inquiry on AmeriSave Mortgage Corporations website. I consent to the soft pull. After that, I received an email with a link written " Click here for your personalized mortgage rate quote '', and it brought me to the home page of AmeriSave Mortgage Corporations website, which did not provide the quote that I requested. On XX/XX/2021, after I filled the online inquiry, someone called me three times and I assumed that's from AmeriSave. However, I was not able to answer it because I was at work. It means that I never had a chance to speak with someone from AmeriSave until XX/XX/2021. On XX/XX/2021, I found that my credit was decreased due to the hard inquiry made by AmeriSave. I sent an email to their customer service and told them I consent to a soft inquiry but they did a hard inquiry. They replied and claimed that " I took it a step further and authorized a hard pull to be done '' the next day. I then asked them how's possible that I gave authorization by only filling the online inquiry, but they never respond.
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress  and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Mortgage

I have a mortgage with Wells Fargo and on several attempts I tried to get a modification due to a change in my financial situation however Wells Fargo continued to decline and delay in decision I had to file bankruptcy to try and get some sort of relief of course now my credit is destroyed
Product: Credit reporting or other personal consumer reports

I let the rep know in the screen shoys in emails attached that XXXX is NOT repoerting to my transunion or XXXX account. On our phone call also previous conservations with XXXX they report to all XXXX beaurus. In emails she said only XXXX beaurus. Its currently reporting only to XXXX. I'm asking XXXX to do their dye diligence that this is reporting to XXXX and XXXX
Product: Debt collection

I had received a notice letter of XX/XX/XXXX from Franklin Collection Service , Inc., Case Number XXXX concerning XXXX XXXX XXXX XXXX XXXX account stating a balance of {$82.00}. 
On XX/XX/XXXX, I had replied and disputed the alleged debt collection letter, because it doesnt exist, I had provided a copy of my proof of evidence that I dont owe any balance and ask had Franklin Collection Service , Inc., to stop this collection tactics. 
On XX/XX/XXXX, I had received another demand letter from Franklin Collection Service , Inc., this time their client XXXX XXXX XXXX  using a different address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. 
Lastly, on XX/XX/XXXX, I had filed a complaint to CFPB on the same matter, same creditor ( XXXX XXXX XXXX ), but different collection agency called XXXX XXXX XXXX, XXXX, they had finally STOP collection tactics after I had filed my CFPB Complaint Number XXXX. 
I have all my proof and evidence that I dont OWE any balance on my XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. XXXX from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.
Product: Student loan

I called the XXXX after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022 I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this NELNET LNS Late payments late will be updated as soon as possible. 

NELNET LNS XXXX Balance {$3400.00} NELNET LNS XXXX Balance {$5000.00}
Product: Credit reporting or other personal consumer reports

I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( XXXX  ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.
Product: Mortgage

Amerisave uses bait and switch tactics. They failed to provide Loan Estimates that reflect your " locked '' rate. They refuse to lock a rate until they decide to do so and charged for appraisals with affiliated entities despite not allowing me to lock my rate. I originally was trying to close a few loans with them but got a last minute bait and switch that required {$5000.00} in points charged. I refused but already lost my appraisal fees. I highly recommend they are investigated for similar tactics identified in their 2014 CFPB case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). TransUnion assumed this role without permission, and you did not have my consent. My right to privacy, which is under 15 USC 1681 ( a ) ( 4 ) has been violated. 

TransUnion did not exercise its grave responsibility, you were unfair, and you were partial. 

I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose ( No written instruction ), as per 15 USC 1681b ( a ) ( 2 ). I never instructed TransUnion to furnish this report and I never consented to the report.
Product: Debt collection

An negative trademark was placed on my credit report regarding a XXXX account. I have no knowledge of who opened the account or authorized my name to be assosiciated in any way, shape or form with this account. I was never shown any documentation regarding the account or made aware of how my social security number and credit reporting became connected to the account. I was asked to be mailed documentation showing the name of the person who opened the account & was denied. On XXXX, I called and spoke to a representative by the name of XXXX and was told that my name is not listed as the primary person on the account. I never gave my social security to any employee or representative of XXXX. I would like my name and personal information to be disassociated with this account and all negative trade lines removed from my credit report. I do n't even live at the address where the account was opened! What kind of security company does n't take the necessary precautions to get the correction information & Identification of people they are allowing " secure '' access to a home!!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I continue to try to file disputes with the correct paperwork according to the FCRA. But these disputes are not being filed correctly and the FTC reports are not being attached to the disputes I file. I am still not getting copies of the verification process per the FCRA. When I call I cant get any help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late XXXX I have had exceptional payment history witH XXXX XXXXXXXX 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 my 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 in 60 days 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 XXXX XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

Bankruptcy Equifax Reference # : XXXX Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed. 

XXXX. Court Name : o Experian lists : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
o The name appears truncated or misspelled. 
o XXXX : NONE 2. Date Filed/Reported Discrepancies : o Experian : XX/XX/year> o Equifax : XX/XX/year> o XXXX : NONE o This inconsistency suggests the reported dates XXXX be inaccurate or unverifiable. 
XXXX. Reference Numbers : o Experian Reference : XXXX o Equifax XXXX : XXXX o XXXX : NONE o The reference numbers are inconsistent between bureaus, raising doubt on the reliability of reporting. 
4. Closing Date Missing for Equifax : XXXX Equifax does not display a Closing Date while XXXX lists it as XX/XX/year>. 
5. Dollar Amounts : o Both bureaus list {$0.00} for Asset Amount, Liability, and Exempt Amount, which might suggest incomplete or unverifiable information. 
o If a bankruptcy was filed and discharged, there should be values associated with assets and liabilities.

6. General Formatting Issues : o Some data is misaligned, such as Remarks not showing additional context.
Product: Mortgage

I currently hold a 27 year conventional mortgage loan with Rocket Mortgage ( Quicken Loans ). I began the process of refinancing the mortgage loan on Friday, XX/XX/XXXX and subsequently received an estimated loan package along with an intent to proceed which was sent to me in the early hours of XX/XX/XXXX and returned digitally signed by me and returned to them via their portal before XXXX  EST that same day. When logging in to my loan account on XX/XX/2021, I uploaded additional documents including a certification of trust and the current deed so that the home would be properly titled to the trust. The company subsequently, inactivated my loan application without notice or reason. I reached out to the lender via the email address they provided to me on XX/XX/XXXX to get clarity on why this occurred but am extremely frustrated with this practice and the amount of time this has wasted over the past 4 days.
Product: Credit card or prepaid card

Not sure the date the card was applied for but charges are fromXXXX and XX/XX/. This was not me that opened this account. I have tried to cancel this card but they say they need proof of who i am before they can cancel the credit card. They did not have to verify who i was to issue me a credit card. If they would of canceled when i called i would not show i owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not aware of this account. I demand that this account be removed from my credit information. I don't know who or what is Portfolio recovery. Not knowing, I do not accept that the amount indicated is not mine. I demand that you clearly indicate that it is mine.
Product: Checking or savings account

I have a very regular Check-in account to make sure that I don't overdraw and spend money that I don't have I got paid on the XXXX went to shop on the XXXX some transactions didn't get to my account so what the bank is saying so when I was using my card it was stating that I had money and I didn't have money in there but when I look on my account it doesn't look even with my deposits and my spending did not add app to the overdrawn of the money that they said that I did overdraw and I've never in the XXXX years that I've been with this bank be able to overdraw my card I have the kind of account that you can't overdraw I made specifically clear if I don't have money I can't spend so XXXX  they gave me a story Stating that XXXX  had a glitch so I contacted XXXX  directly and they said they have no record of a glitch this month so they tried to pass it over the XXXX  and said that it was XXXX 's fault So I called them back and of course they're telling me now there's nothing that they can do but I would need some help because I can not afford this I don't think my account was ever on the overdrawn I think they're just taking older people money I explained to them I'm seeing you citizen I don't spend like that they basically saying I spent {$1300.00} from the XXXX to the XXXX all in XXXX days
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 my 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 in those account 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 XXXX  days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance Owed : {$19000.00}.
Product: Credit card

Discover is saying my current balance is incorrect. They are stating that I have a higher balance that I should. You can clearly see this in the attachment. Discover is trying to get me to pay more than I owe.
Product: Credit card or prepaid card

I was notified that Synchrony closed my XXXX XXXX VISA credit account due to number of dishonored payments. This came to a surprise since this account has never experienced any fraud. 

On my PayPal Credit account, I experienced in XX/XX/XXXX ID theft. The perpetrator ran several attempts to access my bank account through ACH. I filed a claim with my bank ( credit union ) at the time. It was subsequently resolved, and my PayPal credit account was reinstated. I have diligently made payments throughout this process. 

After a recent review your bank terminated both accounts with XXXX score ramifications due to ID theft ( fraud ) and not my own personal mismanagement of my account. Much to my surprise not only has Synchrony Bank discontinued that credit account which had already been resolved, now I learn a totally unrelated account, XXXX XXXX Visa, is closed as well. All based on fraudulent transactions which you bank failed to prevent. 

I have Resubmitted dispute claim with my credit union, a copy of my account statement, PayPal statement and the two letters sent by Synchrony Bank for the PayPal and XXXX credit accounts. 

I am being penalized for ID theft. These account closures have violated me yet again. I have been a faithful and current customer for both accounts, yet here I am being penalized for their actions of last XXXX. 
Since I have been in good standings and acting in good faith the entire time, I would like both of the accounts reinstated so I can use and pay them accordingly. I would appreciate it if this could be resolved. I especially do not want adverse marks on my credit scores, due to fraudulent and deceitful actions by someone else. 

Called on both accounts only to be dismissed and told there is nothing for Synchrony to do, Simply put your account is closes - no resolution, I submitted formal complaints in writing and via fax and asked for restitution for both accounts since this resulted from ID theft and fraudulent misuse of y credit account. 

I am being violated yet again for the original fraudulent acts in XXXX of XXXX
Product: Credit card or prepaid card

Since XX/XX/2019 Bbva Usa has been reporting that I was 30 days late with my payment which is inaccurater and untrue. Although I have contacted BBva Usa about the issue and was reassured by the branch manager here in the local branch in XXXX XXXX that the issue would be resolved it never was. 
Each time I was referred to someone who claimed that they would resolve the issue but this issue was never resolved. I recently received correspondence by Bbva Usa that my credit card was being canceled due to my low credit scores. I find this strange due to the fact that my credit scores are higher now then they were when Bbva Usa issued the credit card to me.
Product: Debt collection

Debtor ARS-Account Resolution Service : Receipt of written notification of the debt had a date of XXXX/XXXX/2015. I called, plus submitted written requests for validation of debt on XXXX different occasion. These requests were not honor, due to either they were unable or unwilling to provide all necessary documents to support their claim. Due to their noncompliance of honoring my written request for sufficient supporting documentation, I could only assume that my records were correct and that this debt was already paid in full as my records indicated. I then proceed to mail and file a dispute with the XXXX major creditor bureaus regarding this issue. The credit bureaus did removed this debt from my credit reports at XXXX point, but ARS has now put the debt back onto my credit reports. I called XXXX today, XXXX regarding that the debt is back on my credit report once again, which they are re-filing the dispute again. XXXX had already placed in the comments, that I had disputed this debt. But it appears that they, ARS, are continiunally updating it monthly as not paid. In the mean time, there has not been any written correspondence and/or communication from them to me regarding this debt. But they have placed this unfounded debt back on my credit report. This appears, in my opinion, to be a form of stealth harassement and stalking, for if it was not for me checking my credit reports, I would not be aware that this debt had been placed on my reports. It is causing a financial hardship by the lowering of my credit score which would hinge me from getting a competetive interest rate on any type of a future loan. Please find previously correspondence attached. Any assistance you are able to provide in resolving this matter is most greatly appreciated. Again thank you
Product: Credit reporting or other personal consumer reports

Again I froze my credit report with XXXX early XXXX which they complied within seconds I then requested them to unfreeze my account a week later they said I needed a PIN number that they sent prior but I never received it so I requested another PIN number at which time they told me I have to file additional information to even receive a a request form to even request my pin to be mailed at which time I sent in my social security number and id they sent the request form I filled it out requesting that a new PIN number be mailed to me o never received it so I called numerous times trying to check and see when it would arrive and I may have made over 5 calls tracking the PIN number at which time they kept telling me its in the mail and takes 10 business days and I still havent received it then I made another call and they read me a script sayin that Ive requested my pin more times than usual and something about what the policy is those calls I made I just wanted them to track the mail and see why I havent received my PIN number after numerous attempts I dont know what else to do