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

I tried to dispute the hard inquiries that were placed on my account around the same time. I was looking for an auto loan and the company apparently tried many lenders. I was under the impression that if you're trying to get an auto loan it should only be recorded once and not 3 or 4 times. My bank is the one who approved me and shouldve been the first one tried. It was the bank i was approved for. There are multiples on the same day and others that were filed on consecutive days when I've only been to one dealer and only submitted information 1 time. The hard  inquiries are incorrect and I need to know where they came from and why. The credit companies said they cant dispute inquiries. Please help! They were placed in XX/XX/XXXXt through XX/XX/2018 i believe.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with correction of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting on my credit as late/missed payments when it was obviously fraudulent transactions on my account. Goldman Sachs investigated and helped me through the process by clearing the BALANCE due to fraudulent activity. Apple Card/ Goldman Sachs did NOT CORRECT the delinquency of payments on the account that was NOT connected to me!
Product: Credit card or prepaid card

I was in a relationship with a man who obtained my Bank of American credit card information. He attempted to purchase bit coin with my credit card. He then made two transfers to my credit card account. The first transfer paid off my credit card entirely. The second transfer to my credit card account was for approximately {$21000.00}. The man I was in the relationship asked me to transfer this amount of money from my credit card account to my checking account and wire the money to his relatives. Since the money was not mine I did as he asked. 

Bank of America contacted me and advised that they felt that what was going on was a potential scam. Bank of America put a hold on the credit card and advised that nothing would happen with the credit card, that no one would be able to move money from the credit card account at all. 

Two weeks later, the man who transferred a total of {$42000.00} to my credit card account was able to withdraw {$42000.00} from the credit card account. The man had an account with XXXX XXXX. Bank of America allowed this to happen all though they told me that there was a hold on the credit card account. 

Bank of America advised that I am now responsible for the entire amount of the scam. I have none of this money. I did as this man asked and sent the money to his family. I have provided Bank of America with all receipts from the wire transfers. I have provided Bank of American with the name and telephone number of the man I was talking to. I provided Bank of America with a police report for fraud. 

I have asked Bank of America to file a claim for fraud but they refuse and hold me responsible.
Product: Credit card or prepaid card

In late XXXX of 2017 I requested a balance transfer from my Comenity Bank Visa card to pay off a high balance on another credit card I have. On XXXX XXXX, 2017 the charge posted to my Comenity Bank Visa card account however, as of today ( XXXX XXXX, 2017 ) they have never sent the money to pay off the other credit card. I have tried to resolve the problem with several phone calls to Comenity Bank but no one has been able to give a reasonable explanation of why they are charging my credit card account without actually sending the money to pay off the other credit card. I have also sent them a written dispute of the charge but have received no response yet.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX ) XXXX XXXX - XX/XX/year> XXXX ) XXXX XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Bankruptcy chapter XXXX-discharged XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy chapter XXXX-discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

I sent a payment via TDBank bill pay of {$360.00} to XXXX XXXX XXXX  on XXXX XXXX, XXXX. I sent this payment to XXXX XXXX XXXX by mistake. I called XXXX XXXX XXXX about 2 weeks later to find out where the payment was when they received it. They said they did n't receive the payment but if they did in the future the funds would be placed into my savings account. That has n't happened as of XXXX XXXX. I called the TDBank to find out where the money was. On XXXX XXXX XXXX they sent me an email to call them so they could investigate this situation. The TDBank ( in NJ ) has a Confirmation # from their bill pay payment to XXXX XXXX of XXXX. Could you help me find out where the {$360.00} is so it can be returned to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

These public records were not reported to the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question.

I have sent NUMEROUS letters to the bureaus requesting their removal with provided documentation. 

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. I request that this information be blocked and removed immediately.
Product: Credit reporting or other personal consumer reports

" I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the XXXX XXXX reporting standard. 

Please ensure your reporting is truthful and fair, or remove it permanently. Furthermore, as you investigate the legitimacy of injurious accusations against me, note the suspected reporting shortcomings below so that you can align with federally mandated fair reporting practices in your final decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two late payments listed on a XXXX XX/XX/XXXX account for XX/XX/XXXX and XX/XX/XXXX, but there were never any late payments made to the account. There is no information listed from XX/XX/XXXX, when the account was opened, through XX/XX/XXXX aside form those two " late '' payments. I've submitted these to have the negative information removed, but have not had any success even though it's obvious it's incorrect with all the missing information and dates which do not line up.
Product: Credit card or prepaid card

I contacted American Express in XX/XX/XXXX to close my account and deny any future charges. I had already put a freeze online on the account in XX/XX/XXXX. Amex agreed to close the account and deny any future charges. A few weeks later I received a security call stating that there were fraudulent attempts to close the account. I then contacted Amex who told me that they did not properly close the account and agreed to reverse the charges since the account was closed. They also agreed to permanently close the account. 
A month later I received a bill for additional charges. I contacted Amex again and Amex informed me that the agent did not correctly close the account. They confirmed the account was closed. 
In XXXX I received a call that someone was attempting to access my account, which was still open. In addition there as a {$300.00} charge on the account. At this time, Amex claimed that I would be responsible for this charge even though they confirmed that I had attempted to close the account and that they had removed the freeze. 
I am asking you to contact Amex and have Amex remove all charges after I closed the account in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Every time I put in my correct social security number and information you never verify me
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made toXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I put in a dispute with Capital OneON XXXX XXXX. About not receiving my credit AGE score of XXXX yrs. On my credit i'm ONLY receiving credit for XXXX  yrs. & XXXX  months from other credit cards. Capital One added this statment to my XXXX Report - Between XX/XX/year>XXXX  and XX/XX/year>, your credit card account with CAPITAL ONE was removed from your credit report. 
Now the account is removed off of my report which dramatically lowered my score. This is the second time Capital One has removed this account fradulently. I didn't ask in my complaint for ANY REMOVAL. I ONLY asked to update my payment credit rating of XXXX. NOT A REMOVAL. This violates my rights as a consumer with damaging my credit NOW DROPPING MY SCORE BY XXXX XXXX.
Product: Mortgage

Dear Shell Point Mortgage and NewRez, Subject : Urgent Complaint Regarding Loan Transfer and Unfair Treatment by Shellpoint Mortgage Servicing On XX/XX/XXXX and again on XX/XX/XXXX, I was misled regarding the true purpose of a phone call and a subsequent meeting. I was told these communications were to discuss my finances, but it quickly became clear that was not the actual intent. The representative I spoke with was dismissive, lacked any sense of professionalism or empathy, and showed no real concern for my financial situation in 2024. Furthermore, the call was recorded without any clear purpose or value provided. 
This is not the first time Ive dealt with mortgage servicer attempting similar tactics, and I will not tolerate such misleading and shady business practices againespecially when it involves altering the agreed-upon 2 % mortgage interest rate. 
Going forward, I will direct all communications through the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX of North Carolina, and the Federal Trade Commission. I will ensure that Shell Point Mortgage and NewRez are held accountable for their conduct. 
On XX/XX/XXXX, my mortgage loan was transferred from XXXX XXXX XXXX  to Shellpoint Mortgage Servicing with only 15 days ' notice. This sudden transition occurred while I was in the process of reapplying for a loan modification due to ongoing financial hardship stemming from a six-month wage garnishment in 2024. To make matters worse, my vehicles engine failed, resulting in unexpected costs between {$15000.00} and $ XXXXfunds that I had originally set aside for mortgage relief. 
Since the transfer, Shellpoint has been uncooperative and unwilling to work with me in my situation. Despite being told on XX/XX/XXXX that a representative would review my finances, the call was not at all what was promised. Instead, I was placed on a recorded line, issued demands, and shown no consideration for my financial hardship. Shellpoint is now demanding {$31000.00} by XX/XX/XXXX and threatening to remove my current 2 % interest ratean action that would only further destabilize my situation. 
These repeated mortgage transfers have caused ongoing disruption, confusion, and emotional stress. This is not the first time Ive experienced this, but I refuse to allow it to happen again. The mishandling of these transfers and lack of accountability from servicer like Shellpoint are harming homeowners. 
This situation must be reviewed and investigated by the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and XXXX XXXX XXXX XXXX XXXX XXXX. I am not going to be silenced or intimidated, especially after being misled about the nature of the call on XX/XX/XXXX. I will continue to fight until this matter is resolved, not just for myself, but to help ensure that no other homeowner must go through this experience. I urge the appropriate agencies to take immediate action.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of account XXXX XXXX XXXXXXXX on my credit report by the credit bureaus. On XX/XX/2024, I received communication from the credit bureaus stating that the investigation into this account had been concluded, purportedly finding it to be accurately reported. However, upon careful review, it is evident that there are multiple inaccuracies present in the reporting of this account. 

Specifically, the reported date of open, high balance, last activity, last verified, last report, and date of late payment are all incorrect. These inaccuracies call into question the integrity and reliability of the information provided by the credit bureaus. Given the extent of these discrepancies, I firmly believe that grounds exist for the immediate removal of this account from my credit report. 

Furthermore, I wish to bring to your attention a violation of my rights under 15 U.S.C. 1681 Section 604 A. According to this statute, a consumer reporting agency is prohibited from furnishing information about an account without the written consent of the consumer. I have not provided written authorization for the inclusion of account XXXX  - XXXX on my credit report. Thus, the inclusion of this account without my consent constitutes a clear violation of federal law. 

In light of the foregoing, I hereby request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. I urge you to take immediate action to rectify the inaccuracies in the reporting of account XXXX  - XXXX and to ensure compliance with all relevant laws and regulations. 

Please acknowledge receipt of this complaint and provide me with information regarding the steps being taken to address this issue. I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

DOES ANYONE AT XXXX ACTUALLY READ THESE COMPLAINTS?? OR JUST SEND OUT " CANNED '' RESPONSES? I HAVE ASKED SEVERAL TIMES FOR XXXX TO REMOVE A CHAPTER XXXX BANKRUPTCY FROM MY CREDIT REPORT. 

I HAVE NOT ASKED FOR IT TO BE " VERIFIED '' I AM ASKING FOR IT TO BE REMOVED. 

According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy CAN remain on your credit history for up to 10-years from the filing date. the filing date was XX/XX/XXXX. 

There are some KEY PHRASES in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 
2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. 

Since the filing date was XX/XX/XXXX it will be REMOVED XX/XX/XXXX. 
I am requesting it to be removed now according to the FCRA. 

XXXX stated in their last response the following : Mr. XXXX   name, previous address XXXX XXXX XXXX XXXX, MI XXXX and full social security number reported to XXXX by the nationwide consumer reporting agencies. 

In this above statement, again XXXX is " VERIFYING '' the info and that is NOT what I question. WHAT I AM ASKING THEM TO " VERIFY " IN THEIR STATEMENT ARE, THEY INDICATE THEY RECEIVED MY INFORMATION BY THE " NATIONWIDE CONSUMER REPORTING AGENCIES '' WHO? WHICH ONES? 

This statement contradicts what they state in their canned responses in the past that they get the information from XXXX. I have attached a letter that the bankruptcy court has sent to me that they do not report to credit reporting agencies. 

As I stated in this letter I want the bankruptcy removed and if XXXX XXXX can not remove it than I ask WHO has to remove it or WHO do I have to call to have it removed as it has 99. % reached the MAXIMUM time limit from the filing date of XX/XX/XXXX.
Product: Checking or savings account

I will qualify this complaint by saying I can not at this time give you exact dates and times. What I'm about to describe has happened too many times too count. It has been especially noticeable this past XXXX years or so. Likely my bank, US Bank, had likely become more aggressive in fee recovery during Covid to take advantage of people who are down and out in order to bolster their own numbers.

1 ) US Bank will show that I have an available balance. Under that pretext I go ahead and use it. But as it turns out there are pending transactions. Those pending transactions overdraft me. They will show in my account a positive available balance. But because of the future pending transaction they show another number in red below the available balance that shows I was actually negative with the pending transactions. This is of course only shown to me after the fact.

What I find especially interesting is that future pending deposits are not counted in my favor in the same way withdrawals are.

2 ) US Bank shuffles my transactions to overdraft me. For example, I will do a number of smaller transactions that wouldn't cause an overdraft. Then I'll do a large transaction. So if everything is taken in order, I would only overdraft once on the big transaction. Instead they have the big transaction hit first followed by the little ones. So then I overdraft on every small transaction instead of only once. 

I can comb through the past XXXX years and no doubt find hundreds of dollars on these types of fees.
Product: Debt collection

Hello my name is XXXX XXXX DOB XX/XX/XXXX. Ability Recovery Services LLC ( XXXX ) contacted me on my cell phone. The first I heards of this debt was in XX/XX/XXXX/XX/XX/XXXX. I attempted to gather information regarding this debt ( {$1300.00}, account ID XXXX ) because I know very well what my family owes and this debt is not one of our debts. As I began to ask questions regarding the debt the representative told me this was a visit to XXXX XXXX XXXX XXXX XXXX on the first few months of the year XXXX. I informed her I XXXX XXXX have not visited a medical place in XX/XX/XXXX much less located in XXXX XXXX. The representative then asked me are you not XXXX XXXX DOB XX/XX/XXXX and this was a visit to this clinic in XX/XX/XXXX???? I responded absolutely NO! She then began to ask me what my date of birth was and I was very suspicious of these people trying to pin this debt on someone with the same name so i did not offer any personal information ( please do not share any of my personal information to them ). I did state to them this was not my debt and i was not paying for it, her response was then will see what you 'll do when it gets on your credit reports. I am outraged at his company and how they are trying to pin this debt on me and i did not even get sick in XX/XX/XXXX and i have not visited an urgent care center or nothing alike in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, You have listed my personal information incorrectly, I expect this situation to be corrected immediately or I will be reporting you as messing up my personal information for personal gain. You have several things on my credit report that should not be there and without any confirmation of a signed contract from these companies I know for a fact it is illegal for you to list any company with my personal information regarding fraudulent information on my report. I had to file several police reports regarding all of this. My personal information was stolen and used several times which created a nightmare for me, I will not be harassed or treated this way by either you or any other company that deems this ok to use my report for personal gain in anyway whatsoever. XXXX XX/XX/XXXX I never opened this account inXX/XX/XXXX Pls. send the signed contract with my name or  it or -- -Pls. remove this IMMEDIATELY Amerillect XX/XX/XXXX- who is this?? No address, No contract, No signature, again- Pls. remove this IMMEDIATELY XXXX XX/XX/XXXX Who is this?? XXXX if you dont have a contract for them either then, Pls. remove this IMMEDIATELY Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Consumer Affairs pls. looking to this information since XXXX seems to think it is ok to put peoples personal information on their site without any proof of records.
Product: Credit reporting or other personal consumer reports

XXXX ID # XXXX The week of XX/XX/year> ; I called credit karma several times to update my email address from XXXX to XXXX and the phone from XXXX to XXXX and they sent me the link to mytek to verify. The system did not work for verifying my driver 's license because there was no way to upload it. I reported these things several times and after unsuccessful resolve I requested they just close my credit karma acct both the credit reporting money and the credit karma money account. They have refused to provide me with customer support services.