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

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted.

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Checking or savings account

I tried to go onto the website ( again ) after making sure my initial deposit transferred, and it would not allow me to log-in. First I tried to fix the password on the website, but it would not take my information. It kept saying it did not work. Then I tried calling, but could only reach an automated call. The automated call said I could not talk to a HUMAN unless I had the account number OR my social security. Since I never received anything to do with my account through the mail, I had no account number other than my card. After trying and trying my social security number it said it had no record of my social security NOR my card number! I am not " allowed '' to speak to a human??? REALLY? So I can't log in online, and I can't speak to a human, and they have no record of me!?? What on earth??? I've tried over many days, and now I need to go into the bank ( which I have a feeling they will say they do not manage the website ). I think this is the WORST way to treat people that are obviously in desperate need to access their XXXX   money.
Product: Debt collection

ROSSMAN & # XXXX reported an account that was in a Bankruptcy and need to be updated properly. The original holder of the account was # XXXX This is a error and needs to be updated.
Product: Credit card

XXXX XXXX I request a settlement agreement for my closed account and was denied
Product: Debt collection

I was not notified of this debt, nor was I given the information regarding my right to dispute it. I was at college & never received a notice about this medical bill nor given the opportunity to verify it or dispute it. It was originally reported on my XXXX Credit Report on XX/XX/XXXX ( never received notification ) & updated again in XX/XX/XXXX. I am respectfully requesting this medical debt be removed from my credit report. I was not given the opportunity to verify the debt, arrange a payment plan or to negotiate the validity or terms. I am just starting to establish my credit history and this bad debt is harming me before I even get started.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX for XX/XX/XXXX Experian has on page 3 of 20 XXXX XXXX XXXX XXXX XXXX incomplete reporting information. Experian has date open XX/XX/XXXX but only show partial XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. this is a incomplete payment history. Experian also has XX/XX/XXXX as first reported but no payment history. Experian has incomplete payment history of the loan since XX/XX/XXXX. Also Experian has not or want provide documented proof to the payment history as incomplete by them.
Product: Checking or savings account

I began to receive notifications by email that there was activity on my account that was unusual. I had had Wells Fargo as a bank for over several years at this point, and had trust in the bank to protect and insure my account and funds with fraud protection and security. Suddenly, I noticed large amounts of money being transferred through to XXXX to the names of people I had no relation to or knowledge of. It all added up to about {$6000.00}. I immediately contacted Wells Fargo about my compromised account and the fraudulent charges. Wells Fargo promised to investigate the fraud and they gave me a provisional credit for the amounts I disputed. Over the next few months, I used my account as normal and spent the credited funds while Wells Fargo investigated. A few months later, I got a notification that they had completed their investigation, and they found me liable for these charges, despite my claim of being a victim of identity theft. I honestly had full trust that Wells Fargo would cover the fraud on my account, and was shocked by their resolution. Their solution was to reverse the provisional credit {$6000.00}. These funds were immediately reversed, causing my account to become overdraft and in the negative, and because I had had several transactions in between those dates of receiving the credit, and having the credit reverse, they then charged me several overdraft fees which plunged my account even further into the negative and ultimately caused it to close. Ever since this situation, it has been difficult to recover financially. It caused me to have a hard time to open a new checking account. Ive had to use banking apps like XXXX or XXXX or XXXX. Wells Fargo went against all protections they had agreed to give me, their own T & Cs and policies for fraudulent activity, and ultimately did not fulfill their end of the banking agreement which was supposed to prevent and protect my account and funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX PA, XXXX Equifax XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Credit XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX HavXXXX written and made several calls to get verification on the debts that's has been placed on my credit reports, There are many inconsistencies on my credit report which have lasting effects for my life. Please Remove these items immediately!. 
Incorrect Addresses Incorrect name or surnames Incorrect Phone Numbers Please XXXX XXXX XXXX XXXX # XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to obtain copies of the original loan documents from XXXX XXXX with no success. XXXX 's phone system will not allow me to speak with a representative. I have searchd their website to find a number for their Executive Services office unsuccessfully as well. XXXX is reporting fraulent loan information to my credit file. I am requesting copies of the loan documents to view the signature on the loan that they are referencing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

I had a stream line fha loan refinance and the loan i signed and what actually happened are different in regards to the payoff of my loan to wells fargo. I was also told by this new loan co. not to pay my XX/XX/XXXX payment. and any late fees interest and p.m.i. would be taken care of by them. I was also told that my escrow would be rolled into my new loan. I went from a XXXX adjustable rate with wells fargo. to a XXXX fixed rate. My payment was suppose to be XXXX a month but they screwed up my escrow and missed a payment on my taxes in XX/XX/XXXX costing me more money on my tax return as I could not deduct the taxes that were not payed in 2015. I sent several messages to Home Point Financial requesting a loan expert contact me in regards to this loan. They kept spinning me and told me to contact transtar tittle co. I tried that and no one returned my calls. They again told me to contact the loan originator. I received a call from his secretary and she said he would contact me back. This was XX/XX/XXXX and still no call. I need help in going over the issues i found in this loan.
Product: Checking or savings account

My mother 's account has been locked by Goldman Sachs ( XXXX ) for over 2 weeks. Another call on XX/XX/year> did not result in the resolution. The bank claims they were unable to authenticate her. She is an elderly person with limited XXXX. They denided her an interpreter.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX  XXXX Consumer last 4 Social Security Number XXXXConsumer 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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is a result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened a student loan account for DEPT OF ED/ XXXX opened XXXX XXXX, XXXX account closed XX/XX/XXXX, with a balance of {$11000.00} under account # XXXX, a student loan account opened at DEPT OF ED / XXXX on XXXX XXXX, XXXX thats now opened with a balance of {$11000.00} under account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collection, and hard inquiries appearing on my consumer credit report maintained by you were nor opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity therapy and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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: Credit reporting or other personal consumer reports

I submitted a dispute to Equifax under the Fair Credit Reporting Act ( FCRA ) due to discrepancies in the reporting of account details. Specifically, I highlighted concerns regarding inconsistent information such as varying last activity dates, payment history, and account status across different credit agencies. Despite Equifax responding to the dispute, my primary concern regarding the accuracy and consistency of reported account details among different credit agencies remains unaddressed. Despite the company verifying a debt from XXXX XXXX, this verification alone falls short of resolving the discrepancies. This lack of resolution contradicts the obligations placed on consumer reporting agencies under Section 611 of the FCRA, which mandates a thorough reinvestigation to ensure both completeness and accuracy in consumer reports.
Product: Prepaid card

I purchased a U.S. Bank {$200.00} prepaid MasterCard from XXXX on XXXX/XXXX/16. I tried using the card for the first time on XXXX/XXXX/16, and got an error that the card was declined. I then checked the transaction history online and noticed that the card balance had dropped to {$0.00} and that there were XXXX unauthorized transactions. I immediately called their customer service to report the unauthorized charges, but they told me that they could n't help me dispute the charges because the charges were still " pending '' and that there would be a fee to issue a replacement card. They basically gave me the run around and told me there was nothing they could to recover my money.
Product: Credit card

I've consistently made timely payments on this account, avoiding any overdue charges. I'm uncertain why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$3900.00} XXXX  XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Per XXXX XXXX XXXX XXXXXXXX XXXX  and ACH this transaction was in fact completed XXXX Chime is holding funds, Im almost XXXX XXXX XXXX and have been stranded with no money and no food and no shelter for 3 days and chime refuses to release my money this is twice now and quite frankly Chine needs to be shut down, they seem to think this behavior is ok to let an XXXX XXXX sit with no food no shelter and no way home for 3 days this behavior needs addressed now
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX.
Product: Mortgage

Flagstar Bank is the servicer for my home mortgage. 

Between XXXX XX/XX/2022 and XXXX XX/XX/2022, Flagstar Bank ( Flagstar ) erroneously placed an escrow on my account for lender placed insurance. Flagstar 's action was erroneous as I have in fact always had insurance coverage and Flagstar was aware of my insurance coverage. 

I have provided all information requested of me by Flagstar, including all insurance documentation to evidence my insurance coverage. I provided the requested information on at least five separate occasions in response to letters from Flagstar repeatedly requesting proof of insurance. 

On XXXX XX/XX/2022, the prior servicer of my mortgage, XXXX XXXX XXXX XXXX XXXXXXXX ), provided notice to Flagstar of escrow error. Further, XXXX provided payment for {$8700.00} to Flagstar for reimbursement of insurance escrow, which was to either be credited to my mortgage account or forwarded on to me as reimbursement. Flagstar endorsed this check, numbered XXXX, on XXXX XX/XX/2022 and cashed the check on XXXX XX/XX/2022. To be clear, I did not receive this reimbursement nor was the payment credited to my account. Rather, Flagstar received and kept this payment for its own benefit. 

After countless follow up conversations that I had with Flagstar, Flagstar continued to willfully charge my account for an insurance escrow it knew was erroneous. Further, during several telephone conversation with representatives of Flagstar, Flagstar admitted the error and stated that I would be reimbursed. Despite several follow up attempts on my part, I have yet to receive reimbursement. 

On XXXX XX/XX/2022, Flagstar sent a " second and final notice '' demanding that I " immediately '' provide proof of insurance coverage and that a failure to do so will cause Flagstar to charge my account for lender placed insurance ( now for a second time ). I have already provided the requested proof of coverage on numerous occasions and did so again on XXXX XX/XX/2022. 

Throughout XXXXXXXX XXXX and on XXXX XX/XX/2022, I informed Flagstar that I consider Flagstar 's actions to be a willful attempt to fraudulently charge my account. 

Exhausting efforts to clear this issue up and recover funds taken from me by Flagstar, I beg for your assistance. 

Thank you very much, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did not consent to my financial information being stored by XXXX, XXXX, or Transunion in the first place. Credit freezes and unfreezes should be made free. 

Thank you for taking the time to read my complaint.
Product: Mortgage

My mortgage loan was sold during foreclosure proceedings and I was not given prior notice. I received the notice on XXXX XXXX 2016 and the date ownership transfered was XXXX XXXX 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize SYNCB/ VERIZO to inquire about my credit. I did not apply for a credit card with XXXX. 

My credit report with XXXX, XXXX, and XXXX XXXX show that on XX/XX/2022, SYNCB/ VERIZO pulled my credit. 

I requested that the credit agencies verify this because : a ) Did not give my permission for SYNCB/ VERIZO to pull my credit. 
b ) I did not sign up for any type of credit service. 
c ) I never received any type of notice in the mail that I was accepted or rejected. My fear is that this went to a fraudulent address and not my address. 
d ) I confirmed with XXXX ( who subcontracts this service out ) that I did not apply for this service. XXXX informed me that there is NO application linked to my phone number. 
XXXX ) SYNCB/ VERIZO has not provided me with a the original contract so that I can verify if it is my signature or a fraudulent transaction.
Product: Vehicle loan or lease

I've made my payments on-time since i started this new car loan. 

My payment should be {$460.00} per month. I paid {$500.00} per month since my loan payments started and got a bill in the mail. The payments i made were applied to the payment plus prepaid part of the next payment. 

I believed GM financial operated like XXXX XXXX ( XXXX XXXX ). Where if you make a payment plus additional the extra will go to principal to provide me with the reward of seeing my loan paid down sooner. As a XXXX XXXX i understand the need for paying bills on-time and paying extra to gain equity. 

I called GM financial today and was told they can not accept monthly payments plus an additional principal payment at once. 

I am required to make the payment first in a separate transaction and then make a XXXX payment in its own transaction. Of course with the monthly payment being made first. That's what i thought was happening. 

I feel this is borderline financial fraud/harm. Thus creating a unofficial prepayment penalty and i'm very disappointed that GM would not reverse how they applied my payments. Asking for the payments I have made to be applied to the monthly payment due first with rest being applied to principal. 

The phone rep confirmed their website or app is NOT equipped to give the XXXX  any control how their payments are applied and i need to remember to call in essentially one day after maknig the monthly payment if i want to make an additional principal payment. 

That's very dissatisfying to hear. I'm truly disappointed. This was my FIRST time doing business with GM financial. I had prior Auto loans with XXXX & XXXX XXXX in the last 15 years and NEVER experienced this when i made additional principal payment 's
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX in XXXX NY XXXX, was auto dealership that went bankrupt and was committing fraud with people and my auto loan agreement. They are reporting information on my credit report that is illegal and inaccurate. I co-signed for a car that was repossessed and not in my name, and they are reporting different account balances and information about account on my credit report. Even late payments which is illegal 15 USC 1666b- Timing of payments.
Product: Credit reporting or other personal consumer reports

For many years I have been fighting with the VETERANS AFFAIRS concerning health issues and benefits. Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Approximately a month ago, while trying to search for a home of my own to prevent becoming a homeless statistic, I was notified that my student loans have been written off due to my veterans XXXX status upgraded. I just recently found out that XXXX and ESPERIAN, as result, dropped my credit score XXXX points. And completely violating my rights as a XXXX veteran with this devastating action and has guaranteed me becoming homeless soon. Many attempts to contact those credit reporting agencies have failed. And has started affecting my health as this matter continues to get worse.I am one person, a fixed income XXXX veteran, that is being discriminated against and left with no other choice than filing a formal complaint and seeking legal help from the local federal court system. Being a solo voice being tried this way after serving XXXX XXXX XXXX XXXX XXXX, sacrificing everything including my health to have XXXX XXXX XXXX organizations to treat me this way is absolutely appalling and degrading. To include discriminatory.