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

i asked for the account to be removed because of consumer financial rights and us code violations. 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B ) account is being reported on one report with a high credit of 650 on equifax and 914 on other two reports this is inaccurate reporting please delete this inaccurately reported account immediately also the dates last active are not matching this also inaccurate reporting. u acknowledge in a recent letter that u follow the laws and guidelines set forth but the fair credit reporting act so please acknowledge this law from the act 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B ) your letter states that credit one bank was accurately reporting when it was not resolution im seeking is deletion of account from all consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed a collection to stay on my report that is not mine. I asked them to remove and they did not. Another reporting agency did remove the account. There is no supporting documentation proving that the debt is mine other than a claim by the creditor. The amount of the disputed account is {$600.00} + dollars. And is one of only two derogatory marks on my report.
Product: Credit card or prepaid card

i was checking my credit report and see i have a capital 1 credit card on my closed credit but iv never had a credit card in my life nor did i open one
Product: Debt collection

I was contacted by an agency called True Accord, XXXX XXXX XXXX, XXXX XXXX, XXXX, KS about a debt. I sent them a certified letter on XX/XX/2020 telling them to cease and desist communication with me pursuant to the Fair Debt Act. It was send via USPS certified mail. Receipt number XXXX. 
Since their receipt date of my letter on XX/XX/XXXX they continue to contact me via email threatening to turn this over to an attorney.
Product: Debt collection

The balance due is XXXX, the GLA Collections continues to show that i have an open item in collections. The date reported on this XXXX balance collections item is XXXX 2012. 

I do not have anything in collections, however this item continues to show but reflects a XXXX balance. I want this dropped off my credit score history. 

Thank you.
Product: Mortgage

I 'm the seller of a property. They buyer 's lender, USAA, chose to adopt a XXXX guideline before it was required causing a delay in the close on our house. This delay of just a couple days pushed out into the following month, costing me an extra month of interest and MI on my loan. Total cost to me is just over {$1300.00}.
Product: Credit reporting or other personal consumer reports

THIS WAS A CHARGE THAT I DID NOT DO. THE COMPANY IS XXXX XXXX ; THEY CHARGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FOR A MEMBERSHIP I NEVER JOINED AND XXXX XXXX XXXX XXXXXXXX CHARGED ME. I WAS UNAWARE OF THIS CHARGE, AND THEY CHARGED ME LATE FEES TOTALING TO XXXX DOLLARS. I REACHED OUT TO MY XXXX, AND THEY WAIVED ONE LATE FEE, BUT THEY SAID THEY ARE INVESTIGATING THIS CHARGE, AND THEY NEVER DID. I HAVE REACHED OUT TO XXXX XXXX BUT THE PHONE NUMBER DOES NOT WORK. I AM 30 DAYS LATE ON THE CREDIT FILE WHICH I PAID AND IS UPDATED NOW TO PAID. THIS IS NOT FAIR I HAVE NEVER BEEN LATE ON ANY OF MY BILLS.
Product: Credit card or prepaid card

I submitted an application for a Citibank XXXX XXXX Master Card In XX/XX/2019. I received immediate notification that I qualified and was sent a card in 7 days. The promotion stated that if you spent {$2500.00} in 3 months you would receive XXXX miles. I spent around {$4000.00} but did not receive the promotion. When I called, I was told since I had a personal card within 48 months ( not the previous 24 months which had been the rules prior ) I would not qualify. I received no notification by mail or email that I didn't quality. I am now told i ( n the very fine print at the bottom ) it states the 48 months disclaimer. But I still can't find it anywhere. Perhaps in the original application which I don't have access to. I feel if they change the requirements they should notify the consumer that they do not quality for the promotion. But they failed to do this and feel they encouraged me to sign up for a card, spend the money and they tell you they have changed the requirements after you have spent the money. Totally unfair to the consumer. I have called Citibank and was told about the 48 month period which they acknowledge is a change in the program but refused to give me the promotional points.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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, credit repair services, or other personal consumer reports

There is a XXXX account reporting on my XXXX and Equifax consumer reports that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX, XXXX, and Equifax and they have failed to remove it from my credit reports.
Product: Mortgage

This is a Report on Well Fargo Fraudulent Forbearance Covid This is a complaint that I have been a victim of fraud by Wells Fargo. I will introduce myself Im a 25 year retired XXXX XXXX and accumulated rental property during my work XXXX XXXX  at a XXXX XXXX I have two mortgages with my rental property using Wells Fargo. Unfortunately I fell into a forbearance when the Covid hit and dealing with renters loosing jobs and my short term rentals not receiving income. I was basically in a cash crunch. I have been a very dedicated client of Wells Fargo since 2011 never missed a payment and for years paid over my mortgage bc I wanted a shorter contract. Unfortunately when the Covid hit listening to I felt from reliable people decided to get on the Wells Fargo Forbearance program. I asked questions and was told that this forbearance was an extension to my current mortgage. I noted later after getting my monthly mortgage statements they listed a second principal balance which what I assume my forbearance as a second principal mortgage. I thought that was strange and after my first principal was deducted I sent money on the second principal balance and they did not deduct from the second principal mortgage but only the first principal mortgage. I called in about it and they said that the second principal balance was due to house and urban developing loan that I got and they sent information on that. I never remember receiving anything from house and urban development. I later called wanting to please pay off that second principal balance repeatedly and told it was a VA loan and now a XXXX XXXX loan. It gets worse I call for weeks wanting to pay off the forbearance loan and told I cant they have to investigate this through phone calls which now I come through the point reading through Wells Fargo fraudulent history they could possibly doctor my calls and possibly drop calls. I was told they will find a resolution by Friday XX/XX/XXXX. Now finding a voice call they will not find a resolution until XX/XX/XXXX. My impatience has run dry with Wells Fargo and feel others need to know the reality of Wells Fargo fraudulent forbearance program. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

We are XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX we were one of the exhibitors of music show XXXX XXXX in XXXX, California. 
On XXXX XX/XX/XXXX we wired XXXX USD from our XXXX XXXX account ( XXXX XXXX XXXX, acount no : XXXX, route XXXX ) to Wells Fargo Bank account ( ACCOUNT NUMBER : XXXX, XXXX : XXXX ) as a payment for booth construction at XXXX show. And only after doing it we found out that the beneficiary of funds was a fraudulent supplier, who never had intention to build our stand. We declared the crime to FBI and claimed our bank to cancel the transaction at same time. But the only thing we received from Wells Fargo was an answer that we should deal directly with a company who cheated us, knowing perfectly that we got a victim of internet crime and would not obtain any answer back from the company which cheated us, once they got funds. 
i enclose invoice we received from the fraudulent company, our payment confirmation
Product: Mortgage

Dear Sirs, I have had 2 lines of credit with Bank of America since 2005. One is fixed and the other was variable. I have fully paid off the variable portion some months ago but during the process was never able to get a payoff amount for the variable portion. I pay my fixed rate portion on or before the XXXX of the month at the branch in cash and always pay additional toward the principal. I have been incessantly harassed by phone calls from Bank Of America stating that I have not paid my loan payment on time. I have repeatedly told them that I have the receipts but they tell me that the branch does not reflect the payment. This happens practically every other day and honestly I fear a sort of set up. they send me statements that I owe XXXX cents on the variable portion. I feel that this is totally in bad faith and that they are trying some sort of unseemly tactic. I feel harassed and harangued. I want to have my fixed HELOC vacated and damages awarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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 with the consumer to whom it relates. 
I, XXXX never gave credit bureaus any written consent to report anything on my consumer report, no consent is identity theft. 
A copy of the law attached with this a dispute letter concerning the account listed below, as a consumer, I am demanding a deletion of this account below : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The student loan was initiated in XXXX separate years XXXX & XXXX Repayment started in XXXX Their are XXXX separate loans, same account number.. Problem.. Company constantly applies both payments to XXXX loan.. another XXXX school loan taken out in XX/XX/XXXX..different amount : same account number.. Payments of initial loan, often is applied to later loan.. @ XXXX loans paid monthly by check : third loan paid for on line ... Results of this? .. referral to collection agencies, letters ( XXXX in XXXX alone ) .. drop in credit score. Have attempted to correct problem Numerous times ( @ XXXX, yes XXXX ) with ZERO success
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX I am requesting proof of written authorization to administer the ESTATE of XXXX XXXX. I am the True Executor. 
I also want to request a copy of my CONSUMER FILE, not my consumer report, sent to the address listed above immediately. FOI Act 5 U.S.Code 552. Thank you in advance Best, XXXX : XXXX All Inalienable Rights Reserved
Product: Credit card or prepaid card

Good Evening, On XX/XX/2021 a check for XXXX was applied to my credit card. I became aware of this on XX/XX/2021 and I immediately contacted my bank and filed a claim. Unfortunately, the agent that I spoke with created two cases, one with an account number ending in XXXX which is not my account number and another for a total of XXXX ending in XXXX. As of XX/XX/2021 both cases were closed and I was left with a bill for XXXX and Bank of America provided me with no proof as to who could've committed this crime. They did however try to blame my husband who is the authorized user on my card. First of all, my husband would never write a check in order to receive money that we already have. Secondly, their is no way that he could've even done this due to the fact that we both work from home and he does n't drive, so I am his only means of transportation. Moreover after the denial from Bank of America I contacted XXXX and went ahead and filed a police report. XXXX was very helpful and provided me with guidance on how to move forward with filing my report. At this time, I am just waiting for Bank of America to re-review my case so that I can find out who actually did this. Furthermore, I did submit my police report to Bank of America along with a request for Identifying factors for the suspect. Lastly, this has been very troubling for me seeing as how this is my first time dealing with fraud in this way and to have your bank blame you is just so frustrating. 

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

To Whom It May Concern : In accordance with the Fair Credit Reporting act, the accounts listed below have violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction. Please delete the accounts listed below. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/ XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and help in this matter.
Product: Debt collection

Lockhart, morris and mont has failed to contact me about this debt, I have yet to receive a letter validating my debt to my current address.
Product: Debt collection

Dear Sir/Madam, Let me explain the situation below : ( 1 ) Monthly billing of my internet service was from date XX/XX/XXXX to next month XX/XX/XXXX of each month ; ( 2 ) My internet service was terminated on XX/XX/XXXX when I called the internet company for cancellation because I switched to another internet company on XX/XX/XXXX. A customer service person from the internet company told me on phone that in next billing, I would receive the 6 day usage charge about {$13.00}. 
( 3 ) I had only used 6 days from XX/XX/XXXX to XX/XX/XXXX but the internet company billed me full month charge which was {$82.00} in my online account. I called the internet company on XX/XX/XXXX and a customer service person from the internet company told me on phone that the billing would be fixed in next month ; ( 4 ) On next month, I received {$82.00} billing letter on XX/XX/XXXX. I called the internet company again on XX/XX/XXXX. Another customer service person from the internet company told me on phone that the billing would be fixed in next month ; ( 5 ) On XX/XX/XXXX, I received a collection billing letter with {$82.00}. I called the internet company again in same day. I paid {$13.00} for 6 day usage already. Another customer service person from the internet company told me that she had no right to change the billing and asked me to call a phone number but I could not get response by this number. 
( 6 ) On XX/XX/XXXX, I received a letter from CPA. 

I would like to have your help to contact the internet company to resolve the issue. 

Yours truly A customer
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX Balance Owed : {$4700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am at a loss as to why my credit score is going down instead of up. I've reviewed my credit report for faulty information and the only thing I have found is that if I used a credit card and the balance has gone up a bit, my score goes down. I've been paying off a significant amount of debt and it takes months for that to show up on my credit report and hopefully have it go up. 

The system says 35 % of your score is based on paying on time. I can find no data showing I have ever been late. 30 % is based on amount of debt in relationship to available and I am running at XXXX % which is well below the 30 % recommended. 15 % is based on length of debt. I'm XXXX XXXX XXXX so I have at least 40 years of exemplary debt history. 10 % is new credit-I opened a new account a year ago, and it went down. 10 % is variety of credit-I have a mortgage, multiple accounts of revolving debt, an RV loan, and a student loan I am co-signed on. 

Per online research when I pay off the student loan, my score will go down because my open credit amount will go down instead of going up because debt has been paid off. The same when I pay off my RV loan. When I don't use a credit card awhile, it is canceled without my consent and my open credit goes down and my score goes down. The only time I have significantly seen it go up was after two RV loans that were not canceled by the XXXX account manager, after I accepted one through the dealership caused my score to drop dramatically finally dropped off my report. But it did not go up as much as it had gone down. 

Why is there no benefit to paying off student loans, car loans, RV loans and mortgages? 

Doing research online confirms my belief that while I'm sure good intentions were there when this system was started, it has now turned into a scam manipulating credit scores based on factors unknown to the general public, resulting in consumers having to pay higher interest rates on consumer loans in the long run. 

My goal in writing this is that it will add my concerns to other consumers as to fairness/validity of the current credit reporting system, and hopefully result in a look into the system and possibly a revamping of the system for more transparency or a whole new system that is completely transparent and rewards those who are fiscally responsible.
Product: Credit reporting or other personal consumer reports

My infornation was affected by the equifax below is a copy of the information
Product: Mortgage

This is a second complaint filed against Ditech Mortgage over the past 12 months for the same matter that is as yet unresolved. Despite repeated attempts to get a payoff amount from Ditech - and now that the loan is paid in full a reconveyance on the property - Ditech is unresponsive to all requests for loan payment records and the trust deed remains on the property improperly. Intervention to force Ditech to cooperate and comply with the terms of the loan agreement is necessary. A full release and reconveyance of the property is also required at this time now that the loan is paid in full.
Product: Payday loan, title loan, or personal loan

I have been a US Bank customer since XX/XX/XXXX In XX/XX/XXXX I  opened an individual checking account with a reserve line attached to that checking account. My daughter XXXX XXXX XXXX was XXXX years old at that time. In XX/XX/XXXX I requested a check debit card for my daughter in order to provide access to an ATM for emergent withdrawals from MY checking account while she was away attending college. XXXX XXXX XXXX was never added as a signer or guarantor on the account, she did not have access to online banking, she did not make any deposits or payments to the checking or reserve accounts. She was an XXXX year old college student. She did not have any credit history. For over 4 weeks I have been attempting to remove XXXX from my account. After 3 visits and 4 hours, and sending my daughter to a California branch for 2 hours, XXXX XXXX, Branch Mgr at XXXX XXXX Branch told me his title was just a title and he couldnt help. On XX/XX/XXXX, I contacted the Main Branch. There was no answer all day. I contacted the toll-free customer service number. They tried to transfer me to the Main Branch. They were not able to reach anyone or even a voicemail, all day. On XX/XX/XXXX, I called the Main Branch. XXXX explained, there were a lot of people on vacation the previous day and they were busy helping other customers and therefore could not answer the phone. On XX/XX/XXXX, XXXX XXXX called. On XX/XX/XXXX, after 10 calls since XX/XX/XXXX, XXXX stated shes new in her position and doing the best she can but cant help. She stated all records are destroyed after 7 years. If that is the case then US Bank would not have proof that I am obligated to repay my loan on my reserve account. I requested a copy of the agreement and our signatures showing XXXX agreed to be a responsible party for my debt. The only document I have received is a pamphlet titled, Your Deposit Account dated XX/XX/XXXX. I am requesting copies of MY agreement and to have my daughter removed from MY obligation.
Product: Student loan

Back in XXXX of XXXX, I filed for the Income Driven Repayment due to the amount of money I made with the job I was able to find, following graduating from College. I was approved for a {$0.00} payment for 1 year with the time-frame going from XXXX of XXXX to XXXX of XXXX. Assuming that everything would be fine with this approval, I went about my life working and doing my best to make ends meet. I went to check on my account in late XXXX of XXXX to see that my loans were delinquent and had been marked as delinquent with my credit bureaus, dropping my credit score significantly. This started the process of going back and forth with XXXX to figure out what had happened and how this could be resolved. On XXXX, I spoke with a representative at XXXX who stated that the issue was XXXX 's mistake using the statement " Our Bad '' to describe what had taken place. Over the past month, I have made numerous phone calls to various individuals at XXXX and have filed for the company to stop reporting negative remarks to my credit and in fact report these as positive. On XXXX, I received a response back from the credit department at XXXX stating that everything that was documented by XXXX was correct and that no actions would be taken to fix my credit issues. I have been working with XXXX XXXX to remove items from my credit report, but each time they have managed to get something removed, XXXX reports another delinquency creating a circle of unending resolution. If I have a current IDR on file with XXXX  that lasts for a year, why is it that they are allowed to continue to report my accounts delinquent. The most frustrating part is that they are saying the account is current on the client website, yet reporting delinquencies to the Federal Credit Bureaus.