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

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


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

I have contacted these companies with letters countless times and gave them 30 days to respond. They have yet to respond and remove these negative unauthorized items off my credit report. Here is a copy of the letter below.

To Whom It May Concern, This letter is a follow up to my original  letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX & XX/XX/XXXX 2. XXXX XXXX & XX/XX/XXXX 3. XXXX   XXXX & XX/XX/XXXX XXXX XXXX XXXX  & XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Debt collection

Just got an email purporting to claim that I am a co-signer for a credit application for a " XXXX '' with Transform Credit Loan and purporting to attach a guaranty and imdntiy informaiton along with a promissory note. Fearing a phishing attempt, I am not opening these attachments. ( Needless to say I have not signed any such application, nor do I know of a XXXX that I would do such a thing for ) I will be checking my credit score to see what is going on, but what else shoudl I do to ensure thtat a bogus co-signing obligation has not been created? 

copy of email as follows : Your Transform Credit Cosigner Application Ref : XXXX Inbox XXXX Attachments XXXX ( XXXX minutes ago ) to XXXX Hi XXXX XXXX Thanks for choosing to be a Cosigner on XXXX XXXX Transform Credit Loan application, we have attached your Guaranty and Indemnity information with this email for you to keep, along with a copy of XXXX XXXX Promisory Note. This does not mean that the loan application has been approved, but it gives you a chance to read and understand the terms of the agreement. 

If you have any questions about our application process please visit our website https : //transformcredit.comXXXX XXXX @ Transform Credit 2 Attachments Scanned by XXXX
Product: Credit card

On XX/XX/year> I received a letter stating that all my credit cards with Bank of America were closed due to " Irregular authorized user activity on one or more of your accounts. '' I didn't do anything wrong and had more that {$500.00} in credit card rewards earned, but not redeemed. The company confiscated those rewards and refuses to provide compensation for taking those from me. I don't think it is fair that they closed my credit cards or took my rewards.
Product: Checking or savings account

I have submitted a number of complaints against Wells Fargo Bank. Wells Fargo stole my money, lied to government offices, has made me look like a criminal, refused to take responsibility for anything they did to me. Wells Fargo enhanced my identity theft by sending my personal, financial, banking, and family information to someone in a different state. Wells Fargo denies doing this ... .however the identity thieves were arrested the late part of XX/XX/2021. They were arrested AT the address where Wells Fargo claims they did not send my information.. They were arrested WITH my banking information Wells Fargo sent them. Along with my banking information was the email addresses and phone number that were on my Well Fargo account. Wells Fargo lied to protect their own. Wells Fargo lied to government agencies, law enforcement and me. Wells Fargo has refused to reimburse me for my missing money. Then theyaccused ME of stealing it. They sent my personal information to God knows how many people have it. 
Because of theirs lies, I have pending charges against me for something I didnt do. I have credit cards, loans, bank accounts, phones, who knows what else. 
The arresting officer has told me my identity thieves have ledgers of stuff its going to take months to find out whats been opened. How many other people have they done this too? Well... I have police reports to prove my accusations. This has destroyed my life, marriage, health, and family..they lied to save theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am really getting tired of these company 's getting paid to report fraudulent things on my credit report and they never what to put the good on the report or they report the wrong amount For one! I am a full blooded XXXX XXXX that has full coverage medical and dental insurance and I have never ever had a XXXX! but also this is a recurring fraud on XXXX this XXXX for XXXX because not only my self but 5 friends and family have looked at there credit report recently and have the same thing XXXX XXXX I have full medical from the XXXX why am I supposed not using my insurance this is all scams.
Product: Student loan

The complaint is being filed in accordance with the letter you recently received from 23 US Senators regarding the mismanagement of the student loan forgiveness PSLF program by the loan servicer, the Pennsylvania Higher Education Assistance Agency. 

I am one of the 99 % of people who have qualified for forgiveness of student loans under the PSLF program, but are being denied due to the missteps, errors and mismanagement of the PSLF program. If properly managed my student loans would have been forgiven in XX/XX/XXXX under the PSLF program. Yet, I continue to make regular and consecutive payments 2 years after qualifying for forgiveness. I have made the required 120 payments to the Department of Education ( DOED ) and have worked full time at a qualifying employer. I made these payments since XX/XX/XXXX through XX/XX/XXXX, while being employed at XXXX XXXX XXXX XXXX, XXXX. I received a Fedloan Qualifying letter clearly stating that I have met the terms outlined in the programs guidelines, see the attached pages 2-3 and have proof of payments made to DOED, compiled by my bank, XXXX   XXXX XXXX XXXX, see attached pages 4-7. 

Shortly after receiving the qualifying letter the forgiveness was later denied, due to an arbitrary rule that the first 105 payments made to the DOED were of the Direct Loan type and considered non-qualifying. This hardly seems non-qualifying since all of the payments went directly the DOED, regardless of whether Direct Loans or Fedloan was managing the loan. I then appealed the denial and requested a reevaluation of my loan forgiveness to Fedloan in XXXX of XXXX, see attached page 8. I have had no further correspondence from Fedloan since this request was made regarding my reevaluation.
Product: Checking or savings account

I scheduled a transfer from my PNC savings account to a new XXXX account of {$1000.00} on XXXX Now, 4 business days later, the money is gone from PNC, but still not showing in my XXXX account. XXXX was contacted initially and said, " We apologize, but we can't verify deposits from outside sources, you'll need to contact PNC ''. PNC provides no explanation for where the money is, or why they could make two XXXX cent trial deposits literally over night, but {$1000.00} is lost and unaccounted for with no explanation for 4 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

there were several inquiries in my credit on XX/X/17 regarding a car financing application. I only applied with one institution, but the dealer sent it to several banks including a bunch of hard inquiries in my credit
Product: Credit card or prepaid card

On several occasions I have attempted to resolve a usury problem with Lowe's/ XXXX XXXX credit card. The APR on the card is 26.99 % which is preventing me from paying down the principle. It is apparent that this 26.99 % APR is usury at it's best or worst.
Product: Debt collection

I received a notification today that my credit score dropped by XXXX points from one credit bureau because of a new account appearing. This was entered from Franklin Collection XXXX, located at XXXX XXXX XXXX XXXX, XXXX. MS. XXXX, with a phone number of XXXX. The information Franklin Collections placed on my credit report is falsely incorrect, stating I had an account opened with XXXX in XXXX XXXX which on my credit reported, they reported XX/XX/2022. With no further documentation being provided, proof of an ccount, I've haven't ever done business with Franklin Collections & do not owe them a debt, nor did I have XXXX, during this time frame, nor reside at this address. Yet, they're claiming {$120.00} to be paid to them.
Product: Credit reporting or other personal consumer reports

There are several erroneous errors reporting late on all three major credit reports for my XXXX XXXX account. Equifax, XXXX and XXXX are reporting that I have paid late from XX/XX/year> to XXXX of XXXX. This information is false and I have supporting documents to show the payments that were made to the company that bought the XXXX  XXXX Account, XXXXXXXX XXXX XXXXXXXX! The XXXX credit bureaus are also not reporting that I have made a payment in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seccond endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 


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Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a complaint against Equifax and the company who wont remove a closed account on my file. Company name is XXXX is showing on my credit file as " charged off '' " negative ''. I have never had an account with this company XXXX. I disputed and filed a claim against their debt collection company name XXXX XXXX which has since been removed. But their original company XXXX has remained as closed account on my credit file. I have already stated neither accounts belongs to me! This company XXXX has yet to prove this account belongs to me. According the FCBA this company needs to prove this account belongs to me, otherwise stop reporting to my credit file.
Product: Credit card

On XX/XX/2023 Citi sent a letter stating they needed total annual income in between that time on XX/XX/2023 I received another letter they are unable to approve application I have reason to to believe that decision was determined on a biased conclusion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XXXX It is a civil rights violation for a person who offers credit cards to the public in this state : ( A ) Denial. to refuse to issue a credit card, upon proper application. Equal Rights under the law. I the consumer and XXXX XXXX was denied credit by Citi when I applied for a card to use for personal and household purposes. My Social Security number was used to process that application which is an open end credit card pursuant to 15 U.S. Code 1602 ( i ) served as a financial asset. It is now considered an unauthorized use since I have received NO BENEFIT. I made that application in good faith, but credit was not issued. This is all evidence of fraudulent activity.
Product: Mortgage

After numerous attempts since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have sent out emails and phone calls explaining proof of payments that we've have made our mortgage payments on time and are current since we completed our BK in XX/XX/XXXX and was instructed by the Trustee to make our first payment for the month of XX/XX/XXXX and an attached legal document of " FINAL CURE '' identifying that we ARE NOT INAREARS of any payments and we are current. Each time my wife and I have called XXXX customer service, it was ask if my emails including my attachments were reviewed? 

At each time the answer from XXXX was " we did not receive the emails, so no one has reviewed them. '' This is unacceptable and I find this hard to believe. On XX/XX/XXXX the Trustee was speaking with XXXX ( XXXX rep ) as my wife and I was part of the conversation listening in as XXXX had asked for proof of payments by the Trustee. The Trustee rep emailed the information to the required XXXX email address and yet there is not recorded of it. My wife made an another phone call to XXXX on XX/XX/XXXX to find out of any updates because we were told the review by XXXX   should be completed in 7-10 days, but it was already beyond the time frame given and the rep said " Oh it was completed a few days ago. '' However, each time we would asked when someone would contact us of the results we get the same response from the XXXX rep " someone will contact you or your husband '', well no one has made any attempt to reach us. The same day of XX/XX/XXXX my wife reached out to the Trustee to let them know the concern once again and to let the Trustee know the email sent on XX/XX/XXXX was not received by XXXX. The Trustee re sent the email and faxed the proof of payments to XXXX on XX/XX/XXXX. 

We had asked numerous times to speak to someone in a different level or department who is handling our case, but the response we are given is " well let someone know. '' Seems like a cover up for XXXX not to accept the truth and not wanting to engage with the customer. XXXX says the review has been completed and it is shown that we are 1 month behind in our mortgage payment, but yet XXXX only reviews their records, but FAIL, REFUSE OR IGNORE my information that I've been providing including the legal document of " FINAL CURE. '' Whatever the case maybe, XXXX continues to think we are behind in our mortgage payments.To add to our concern, this has put added stress onto our lives that we don't need as my wife is recovering from her XXXX  XXXX dealing with XXXX in addition, XXXX is damaging my credit. 

As of XX/XX/XXXX XXXX  still contends we are 1 month behind in our mortgage payments. I have taken a lot of time during my work time to get bank documents and send out emails and try to connect with someone hire than a XXXX rep to hear my complaint. No such luck that XXXX will not let us speak with anyone other than a rep from customer service. Since the credit report ( attached ) XXXX has reported my credit 30 days late each month to XX/XX/XXXX, XX/XX/XXXX is about to be finished and they will once again report me as 30 day late.
Product: Credit card

I've consistently made timely payments on this account, ensuring they are never overdue. However, I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

I did not give my consent or authorize the use of my credit by any credit financial institution or businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my account as past due 90 days because I did not renew my income-based repayment plan. However, the documents were sent to XXXX on two occasions. I verified that the repayment plan was approved but they still reported my account as delinquent.
Product: Mortgage

Ive had a very confusing time with my mortgage being mishandled. I mailed in my XXXX by mail on XXXX. XXXX XXXX Dovenmuehle Mortgage lost my payment and didnt process it. 
Also right at that time, I had set up automatic payments which were to state XX/XX/2023. I kept on logging into my account during XXXX and saw no payment was due. 
Then in XXXX when I logged in, I saw that there was an outstanding amount and that the XXXX payment had not been taken out and neither was the XXXX payment applied. And I was marked late for it. 
Upon seeing that my check was still not cashed, I immediately paid the amount owed displayed. I was later told that the online screen only will allow and show one-month payments and recurring payments wont withdraw if there are any outstanding payments owed. 
This is something that was not communicated to me when I set up the auto payments. 
It is not my fault if the mortgage company loses my checks and doesnt process payments and fails to notify me. 
I understand that I missed the payment deadline which has negatively impacted my credit score. However, I believe the servicing of this account has been marred in confusion, since its a new account., I was also given limited information and had both technical and issues that absolutely misled me on the website. In addition, it also had been very confusing trying to figure out who the actual lender is. Also, time and again I tried to login to the XXXX XXXX website and it kept on transferring me from one portal to another, and wouldnt let me in. 
I also filed a small claims court against XXXX XXXX Dovenmuehle Mortgage and there is a $ XXXX judgment pending against them. However, Id be willing to drop this case if the companies remove the late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX XXXX XXXX {$21000.00} Opened XX/XX/XXXX XXXX XXXX {$15000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX  - XXXX XXXX {$6000.00} Opened XX/XX/XXXX XXXX {$4000.00} Opened XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

There are TWO claims with this institutional that were wrongly charged. 

1. Claim XXXX XXXX. The amount in dispute is {$32.00}. I received a parking validation for this. The amount that should have been charged is {$4.00} not {$36.00}. I provided Bank of America ( BOA ) with the documentation - including a validated parking ticket - information on the prices for validation and documentation of systematic overcharging by this parking facility on multiple occasions. I faxed the documentation at least 3 times with proof of fax confirmation. They kept saying they never received the information. I provided all evidence requested. I was told I would get a call back and I did not. Spoke with Supervisor XXXX XXXX never give full name ) who was disrespectful and unhelpful. Bank of America should have partially reversed this amount and they did not. 


2. Claim XXXX. BOA is allowing a charge for for services never received. There is no evidence that I received any services in my overseas trip. When I filed the claim, I did not recognize the charge although I did recognize that it was from XXXX which is where I traveled, to. This is why I did not file a fraud claim. Because I did not know of the vendor although it was possible that they mischarged me. Yet, BOA is allowing for a charge that I know nothing of and did not receive any services from. There is no signature ageeing to abide by the terms of the credit card, so why is BOA allowing for a change that has no signature/acknowledgement? This goes against basic consumer rights.
Product: Debt collection

A collection just appeared on my credit file from this company ERC, not once have I been contacted I disputed this with the credit agencies as I never received verification, notice and it is inaccurate.
Product: Debt collection

Synchrony bank care credit card has negatively reported on my credit report even though I told them and show proof that I was in a mental health facility since 2018. 
On all my credit reports I have placed a personal statement that says that I am a victim of identity theft and under no circumstances credit be extended to someone without first answering security questions. I am mentally XXXX and on also on a fixed income and this has caused me great distress and that led to my recent hospitalization. Synchrony bank has removed other accounts that they deemed as identity theft and had them removed. This care credit account is under Synchrony Bank and also fraudulent. This is affecting my ability to move to a safer environment where I don't have to be concerned about broken into mail boxes and identity theft.
Product: Debt collection

I have a loan with Regions which is due on the  XXXX  of the month. I do not receive my SS check until after the  XXXX  which is within the  10-day grace  period. I have never had to pay a late charge on this loan and do n't intend to in the future! However, the bank calls continuously beginning after the  XXXX , sometimes  4-5 times a day. I received two  yesterday while I was sitting at the doctor 's office. I am requesting that the calls cease now! Again, I 've always paid the monthly amount within the proper time and within the 10-day grace period.