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

I enrolled in XXXX XXXX all my account information has been changed contacts with company give me additional things I must do no assistance. They say have no record of my complaints accounts I bring up to them they say do n't exist. I lost many bit coins through idenity theft on line and in personal home from theft. Insurance company XXXX XXXX says they do n't cover. XXXX XXXX  does n't investigate and contacts with them have been deleted. All my personal accounts and emails have been changed unable to recover or taken over XXXX will not respond. XXXX has input trackers in my computers and cant get priority emails from any carrier I am loosing my carrier and my sanity. I am not getting professional links from XXXX and others cant navigate my finances have been effected to near bankruptcy all poss. in credit records deleted and all negatives from medical old ones have been put in place and I had insurance. I can get no credit from banks for financing projects. Transfers of funds and securities I have initiated all info has been lost due to cyber attack. XXXX has not acted when my phones have been cloned and have given me experimental phones which have caused lost data I have been through 8 computers and as many as 20 phones in 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, I disputed the information provided to Experian by XXXX XXXX, serviced by XXXX XXXX. At XXXX XXXX on XXXX XXXX, 2020, I received an email from Experian confirming they received my dispute. On XX/XX/2020 at XXXX XXXX, I received an email stating the dispute investigation was complete. Experian reports the information is confirmed and correct. When I went to dispute again online, Experian 's site did not allow me to dispute it again, stating they dispute was complete and I was not allowed again. Their investigation took less than 12 hours in the middle of the night. What was their method of confirming this data to be correct?! In the meantime, I have inaccurate information that is on my credit report that Experian does not allow me to dispute again. 

On XX/XX/2020 I called the contact information for XXXX XXXX XXXX listed on the Experian credit report. When I called the number, it first asked for my account number. The account has been closed for many years. I finally got through to a representative named XXXX. She was unable to look up any information in regard to my account since it had been closed for many years. She then provided a telephone number at XXXX XXXX. I spoke with XXXX and he was unable to help me since the account has been closed and the reporting is done by XXXX XXXX. He transferred me back to XXXX XXXX, which sent me back into the same loop. 

XXXX XXXX, XXXX XXXX can not even find my account information to verify or correct the inaccurate information provided to the credit bureaus. Experian investigates the dispute within 12 hours and verifies this inaccurate information that XXXX XXXX and XXXX XXXX can not even find. 

My credit score is adversely affected by the misinformation provided by either XXXX XXXX or XXXX XXXX or both. Experian falsely reports and falsely verifies false inaccurate information.
Product: Credit reporting or other personal consumer reports

I am not the owner of these inquiries, and I am not connected to any of the creditors identified. I need this to be removed on my credit report immediately. Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a credit card account with Chase Freedom XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX account number XXXX this account can be seen on my credit report ( See exhibit A ). I paid this account monthly as seen on the history from my bank payments ( See exhibit B ). On XX/XX/XXXX, I purchased a product for my XXXX  through XXXX XXXX  XXXX in the amount of {$370.00} ( See exhibit C ) and used the card mentioned above to pay for this purchase. 
Some time whet by and I did not install the product I had purchased and at the end of XX/XX/XXXX I realized the item I ordered was the wrong product for my XXXX. I contacted the merchant I purchased the product from, and they agreed to refund me for the purchase ( less shipping ), and I purchased the correct product using a different credit card. 
During the time frame between when I ordered this product and the time I realized the product was not the right product I had closed some of my credit card accounts that I was no longer planning on using and the account ending in XXXX and one other account at Chase were closed during this period. 
The attached exhibit D shows where the merchant refunded the amount of {$360.00} to the credit card ending in XXXX that I had closed with Chase. Exhibit E shows the transaction ID numbers from the merchant showing the original purchase and the amount refunded to my account ending in XXXX of {$360.00}. 
I spoke with the merchant and Chase on numerous occasions attempting to get this refunded amount tracked down and resolved. Exhibit F is a copy of the email I sent to the merchant after numerous discussions with Chase and the merchant. Exhibit G is a copy of the letter I received from Chase after they did an investigation of this matter and according to Chase this account never existed, they have no record of this account number or the transactions even though I provided them with all the documentation showing these transactions. 
Exhibit H is a copy of the last e-mail I received from the merchant indicating that his accountant has reviewed all these transactions and Chase ( who also processes the merchants credit card charges ) says I was credited these funds and the funds were not returned to the merchants account. I have discussed this matter at every level I have access to at Chase and provided them with this documentation and they still today claim that there is nothing they can do for me because they dont show this account existed.
Product: Credit reporting or other personal consumer reports

I have XXXX late payments reported on my credit report for XXXX and XXXX XXXX XXXX XXXX XXXX but those payments were made on time. I take my financial responsibilities very seriously, and it's crucial that accurate and correct information is reported. I am requesting a thorough investigation into this matter. Before updating my account, I ask that you provide me with proof of your findings and a detailed explanation of the steps taken to verify this informationrelying on hearsay is not acceptable. I request that these late payments be updated and corrected immediately.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX Bank # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I examined my Consumer Reports and observed that there are two instances of delayed payments on an account for which I have a consistent history of making timely payments. Consumer Reporting Agencies play a crucial role and carry the responsibility of accurately reporting consumer information to the highest degree of accuracy. I want to clarify that I have always made my payments on time for the following account : CBNA/BEST BUY : # XXXX. Also, I spoke with the creditor and they also confirmed I was not late specifically on XX/XX/XXXX, XX/XX/XXXX. I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. 

REFERENCE PAYMENT CONFIRMATION XX/XX/XXXX : XXXX REFERENCE PAYMENT CONFIRMATION XX/XX/XXXX : XXXX I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. Again please resolve this by removing all late payments reporting on my consumer report.
Product: Credit reporting or other personal consumer reports

I sent a letter to TRUIST Bank telling them that I was opting out of any authorization per 15 USC 6802.
Product: Mortgage

Hi, I am trying to refinance my home with Truist. I have never made a late payment and the home us worth about {$1.00} XXXX on a {$360000.00} mortgage. I began a refi in XXXX. 

But when they found out I am single and own my own business ( I am a journalist and author, I employ myself and one other person ), they began to harass me with request after onerous request. Two weeks ago they asked for a {$5000.00} P & L statement certified by my accountant ( i had already given them 3 months of bank account starements and a P & L from my bookkeeper ). I objected and said I would provide personal and business taxes. They agreed. Today they asked for my personal and business taxes by Friday or they would cancel the application. ( My personal ones are complete but still working on business apparently this giant bank does not realize business taxes were not due on the XXXX ). They have cost me tens of thousands of dollars as I have delayed repairs on my house ( replacement windows ) that I need to pay for thru a HELOC. ( It took them 3 months to get a payoff amount ). And I have incurred extra costs thru my accountant. They also asked for a letter from her, which she told me is illegal under Dodd Frank. 

My small business is thriving In fact you can see that I have just published an XXXX bestseller, foreward by XXXX XXXX. 
I am also an XXXX fellow. 

This is harassment of a single mom small business owner, pure and simple. I am exactly the kind of person our banking system should support.
Product: Money transfer, virtual currency, or money service

Greetings, My XXXX XXXX is loosing clients and money due to a situation with Bank of America. 
On XX/XX/2020 I sent a wire in the amount of {$33000.00} through BofA internationally to pay my supplier for the merchandise. I first contacted BofA on XX/XX/XXXX asking about the wire. I was assured the money will arrive soon. I called several times and after 2 weeks started to really demand an answer. After 2 hours on the line, I finally received an answer that the money is held by intermediary bank since XX/XX/XXXX. They told me they will do a recall. Another 8 days go by and I still see no money, another 3 hours on the phone and 8 agents later, I find out that no recall was filed still and BofA knew that the money was held since XX/XX/XXXX. All this time they were giving me misleading information and did nothing to help get my money back. The bank provides absolutely no support or help. The customer care agents just send you to another agent without finding a solution. It has been over 23 days since I can not get the money delivered or returned.This happens during the challenging times for any small business ( due to Covid19 ). We are struggling to stay afloat as a business in this difficult times. Staying without merchandise means we do not make any money. 
Thank you very much for your time XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This is the third request. You are required by Georgia state law, XXXX. XXXX, to send all notices by certified mail to be eligible to collect a deficiency balance. Yet you failed to include evidence that the Right to Cure ( RTC ) and Intent to Repossess notices were sent via certified or registered mail, as required by Georgia law. Failure to provide proof of certified mailing constitutes a violation of this statute and renders any further actions on this account legally void. I have requested this information twice through the CFPB portal on XX/XX/year> and XX/XX/year> and both responses were identical and did not include the state-required information.
Product: Checking or savings account

On XXXX XXXX, I attempted to withdraw {$1000.00} from a Wells Fargo ATM located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX by utilizing my XXXX XXXX debit card. The ATM machine stated the transaction could not be completed and returned the debit card. Wells Fargo sent an ACH to XXXX XXXX immediately debited my account for {$1000.00} ( {$3.00} was the bank fee ). I called Wells Fargo on XX/XX/XXXX and reported the error. I spoke with several people ( XXXX XXXX and XXXX who both refused to give a last name ) and they stated that XXXX XXXX had to file a claim to get the money back. Wells Fargo is refusing to help. A XXXX XXXX rep was on the phone with me later in the day and the Wells Fargo rep stated the same. XXXX XXXX is trying to help as best they can but Wells Fargo is refusing to assist either of us. Please assist!
Product: Credit reporting

XXXX has claimed an erroneous debt on my report. I have absolutely not done any business with them in years they have gotten my name from recent inquiries in like agencies. Please have that information removed.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/23 I sent a letter to equifax to dispute some items on my credit that i did not agreee with. i have yet to receive any information that my dispute has been processed and this is the second time they have ignored my request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX Subject : Formal Dispute Regarding Negligence and Non-Compliance under California Civil Code Section 16810 I am writing to formally dispute your recent actions ( or inactions ) that I believe constitute negligence and non-compliance, resulting in damages under California Civil Code Section 16810. 

Description of the Issue : On [ specific date ], [ describe the event or action that caused the issue ]. Your failure to [ specific act of negligence or non-compliance ] has directly resulted in [ specific harm, damages, or inconvenience caused ]. 

Under Civil Code Section 16810, parties are held liable for damages arising from breaches of their obligations, particularly when such breaches stem from negligence. Your failure to [ specific responsibility they neglected ] violates the legal standards outlined in this section. 

Requested Resolution : To resolve this matter, I am requesting the following : 1. [ Specific action you want them to take, e.g., reimbursement, corrective measures, or an apology ].

2. [ Any other remedies you seek, such as ceasing certain actions or providing documentation ].

Please respond to this dispute in writing within [ reasonable time frame, e.g., 14 days ] of receiving this letter. Failure to address this matter adequately may leave me with no option but to escalate the issue through legal channels. 

I trust you will give this matter the attention it deserves and look forward to a swift and amicable resolution. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I financed a car through Credit Acceptance Corp. The final sales price was {$7900.00}. The car was involved in an auto accident in XXXX. XXXX my insurance company determined the car totaled. As a result XXXX paid off the value of the car. When XXXX contacted Credit Acceptance to request for payoff balance, Credit Acceptance increased the total price or balance and then charged me the difference. They then proceeded to file a judgement against me for the balance that was inflated. I have all the documents to attach to support this statement. My credit report shows that there were no late payments that would have increase the amount of the car. My loan document, and the letter that Credit Acceptance sent to XXXX. Please review my claim and assist me in escalating this matter.
Product: Mortgage

I am assisting my mother with monitoring payment for her FHA mortgage for property address located at XXXX XXXX XXXX # XXXX, XXXX CT XXXX. There are two specific issues that I would like to be addressed by the company, Mr. Cooper. I have sent a letter to them regarding the first and have tried to call to discuss the second. 

1. Removal of FHA Payment The initial sale price on the property is {$170000.00}. Per the Informed Consumer Choice Disclosure once the loan to value is at 78 % the FHA payment should fall off the loan. This has not happened to date. The argument they will puffer amounts to there being late payment on the account. However, by review of the loan, there appear to be a preponderance of errors not only attributable to my mother but also to the manner in which the loan has been serviced. I believe that she has been taken advantage of as an elder person as well as her lack of knowledge about loan servicing. The matter came to my attention and admittedly I was very upset and did not address the concerns in a calm way. It is hard to see my mom on the verge of loosing her home when the issue is based on poor loan servicing. Mr. Cooper mishandled escrows among other issues while constantly making my mom believe that her loan is on the verge or foreclosure. She consistently tried to catch up with very little relief. The loan was not handled in her best interest and it appear the servicer was only concerned with assessing more fees rather than righting the errors. 

2. Late Fee Charges The monthly payment is {$960.00} ( principal and interest ) with a 4 % charge for late fee. At present, Mr. Cooper charges late fee on ( principal interest taxes and insurance ) for a total of {$61.00}. As a consumer the borrower has the option to pay the escrow independent of the loan servicer. Late fee should not be charged on taxes and insurance. I have tried to discuss with Mr. Cooper but have had no feedback. 

Please assist in getting these matter resolve so the loan can be serviced correctly.
Product: Credit reporting or other personal consumer reports

I sent a debt verification letter to the company on XX/XX/year>. The letter was delivery via USPS certified mail on XX/XX/year>. The tracking number is XXXX XXXX XXXX XXXX XXXX XXXX. They also have not stopped their consistent attempts to contact me.
Product: Mortgage

XXXX XXXX XXXX is reporting my mortgage account XXXX paid 90 days late in XXXX of 2017, the money was taken directly out of my bank account each and every month prior. I attempted to start a refinance on more than one occasion and this error is preventing me from refinancing. They took over the servicing in XXXX of 2017 and I've had headaches ever since. I have attempted on multiple occasions to have them correct this error. They have always received the principal and interest payments and should not have reported my payments late. My credit is now being ruined because of these late payments.
Product: Vehicle loan or lease

Santander consumer USA. Has been involved in a law suit and Illinois was involved. And it included me. Do to bad practice and 24 % interest rate on a made up credit score. And they sold me car gap insurance without my knowledge witch made my car payment XXXX $ a month A 5 year contract loan had the vehicle 4 1/2 years with a balance of XXXX. When original price was XXXX. Santanders aqreed to remove from my credit report and they have not. And also they aqreed for giveness loan and give me title to the vehicle that I already paid 3xs for it. My next step is filing a civil law suit with a attorney.
Product: Credit card or prepaid card

Credit card open up in my name on XX/XX/XXXX of XXXX. Chargers were made of {$2700.00} Had a credit limit of {$17000.00} Card open with US Bank Had address listed on their report where Ive never been this is not my address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Massachusetts XXXX No one has contacted me for US Bank identity theft and fraud to resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax is showing a collections account from XXXX XXXX  that has been paid via settlement. I have disputed said account with both bureaus to have the account deleted from my credit report but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and Experian alike all have different variations of my name, phone number, and home address reporting and updating consistently. Addresses I have never lived at, my last name spelled wrong, and phone numbers I do not own. 

I have tried to dispute this information online several times and there seems to always be at a peak time where maintenance is being handled. 

I disputed this information by mail in XX/XX/2022 and the incorrect information is now back on my reports.
Product: Credit card

I transferred a balance to my  capital one credit ca rd in   XXXX   XXXX    . I went to look up the information on the end date to avoid paying interest and this information was not available online. It was also not available on my statement. Aft er two chat  sessions and a phone call, I was finally given this information. It is hidden for some reason and it is not acceptable. Capita l one seems  to be deliberately hiding this information or making it difficult to access for consumers. Maybe they are doing it to keep consumers in the dark about their balances and therefore they forget and get charged ridiculous interest rates. This information should be readily available to the account holder.