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

I am writing to formally lodge a complaint against XXXXXXXX XXXX for incorrect credit reporting and what I believe to be predatory practices in relation to my mortgage account. 

In XX/XX/XXXX, I was granted an unemployment forbearance that was effective from XX/XX/XXXX, until XX/XX/XXXX. However, I received a letter dated XX/XX/XXXX, stating that I had a late payment recorded from XX/XX/XXXX. As a result of this, I was shocked to find a 120-day late payment indicator on my credit reports from the major credit bureaus for XX/XX/XXXX. 

Following the conclusion of the unemployment forbearance, I was granted a loan modification that took effect from XX/XX/XXXX, to XX/XX/XXXX. I made all required payments during this time, yet my credit reports from the three major credit bureaus reflect 180-day late indicators for these dates.

I am highly concerned about the following issues : 1. The 120-day late payment indicator for XX/XX/XXXX, which should not have been reported due to my unemployment forbearance. 
2. The subsequent 150-day late indicators and beyond, which seem to be erroneous given my forbearance and loan modification. 
3. Additionally, for XX/XX/XXXX, I made my payment online on XX/XX/XXXX, yet I received a 30-day late payment indicator reported to the three major credit bureaus. 

These inaccuracies have significantly impacted my credit score and financial wellbeing. I believe these practices may violate the Fair Credit Reporting Act and potentially indicate predatory behavior on the part of XXXXXXXX XXXX 

I request that your office investigate this matter and assist in correcting the inaccuracies on my credit reports. I have attached copies of relevant documentation, including the forbearance agreement and payment records, for your review. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance in resolving these issues. 

Attachments : 1. Copy of the unemployment forbearance agreement 2. Copy of loan modification 3. Proof of payment on XX/XX/XXXX Please let me know if any further information or documentation is required to facilitate the investigation. I appreciate your support in rectifying these discrepancies and protecting my consumer rights. 

Thank you once again for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

My spouse passed away in XXXX. After receiving a number of data breech letters for her after that time, I thought it best to let the credit reporting agencies know of her passing. I sent the required documents to one - Equifax- but received a letter a month later stating I needed to send the death certificate, which had already been sent. Upon a call to Equifax, they acknowledged receiving the death certificate ( contrary to what the letter stated ) but now needed my identification, which I believe was also sent with the death certificate. When confronting them with the statement in the letter vs their acknowledgement of having in their possession the required document they nonetheless dug in and wouldn't allow me to have the matter escalated beyond the rep and supervisor, even after confirming me as the spouse. " We don't do that '' was their response to escalating, or at least speaking to someone in the US. I resent my identification but now am unsure if they will notify the two other agencies, per requirement. 
My complaint is that they would not escalate the matter or even move the discussion from overseas to the US, where the agency is based.
Product: Credit card

I am filing a complaint against Synchrony Bank ( XXXX XXXX XXXX, XXXX, FL XXXX ). Synchrony Bank is affiliated with several companies that I have or had credit with, namely JCPenny Credit Card, Amazon, Old Navy, Discount Tire, Walmart and PayPal. My complaint with them relates to account ( s ) limits authorized with them and their reduction of my credit limit without warrant. It is not the fact that the credit was reduced, but sometimes reduced below my original credit line which ultimately negatively affects my credit score. In the case with Old Navy, the account was paid in full and Synchrony failed to notify me. Around XXXX time, I attempted to make a purchase and my card was closed by Synchrony. In another case with Amazon, my credit was reduced causing a credit on my account because I had already paid the balance in full. Synchrony kept the credit on my account and did not refund me the difference. In another case with JCPenney Credit Card, the credit limit of {$210.00} was reduced to {$100.00} which negatively affected my credit. I strongly believe that the posture that Synchrony has taken with my accounts has negatively affected my credit causing me hardship and XXXX on my family.
Product: Debt collection

Several months ago - several charges showed up on my Wells Fargo bank account -I set up for my small business- I opened the account with {$1000.00}. 

I have been charged several times with repeating charges of {$240.00} from XXXX -which I never authorized and several others. 

I explained to the bank - that my card was lost for some time - ( 2 months ) and that I did not have the card in my possession for the time the charges were made. 

They refuse to accept my dispute and charged me with the over charge fees. Now collection companies are contacting me- my credit report is in jeopardy.
Product: Mortgage

Well I Had a Mortgage With Greehtree Finance, and When They Sold Out to Consico Finance I Had Trouble With Both Mortgages Companies, and In XX/XX/year> I Sent Them a Payment for my Mortgage, and they Left it in there Post Office Box, and Never Picked UP The Payment, but a BIG FINANCIAL COMPANY Like That I KNOW My Payment Was Not The Only Payment In That Post Office Box So They Repoed My Trailer, and Turned Around, and Sold IT Then Sent Me a Letter about Five Years Ago Making IT Look Like I Worked For Them, and Made About {$45000.00}!!!! They Also Called Me At Work When I Worked at XXXX About There Payment That I Was Behind On, and I Have a Few Witnesses To That!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Mortgage

Well Fargo transferred my loan to a XXXX XXXX XXXX as of XX/XX/2023. Ive been trying to contact the new servers but no answer only message started there was a cyber security attack as of XXXX XXXX unable to speak to anyone. Spoke XXXX today and ask what was the reason for my mortgage transfer he couldnt answer me. I explain my concerns to whats happening and questioned him if I had option to denied transfer he couldnt give me the reason why but no option to this transfer as of today XXXX XXXX Ive have not received any of my new loan services Im not even sure if my identity and information was compromised Im not even ever heard of XXXX incorporated what is this why are they trying to get rid of me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an identity theft issue from over 3 years ago someone is still using my name to apply for credit cards, cellphones, and car loans. I have filed an FTC and a XXXX Police report. My name is XXXX XXXX XXXX please delete any other names or variations of my name ( not my name XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX   XXXX OH XXXX. I dont not live at the following addresses and they are fraudulent please delete immediately : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 1914 XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the phone numbers they are not mine : ( 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 the following fraudulent account need to be deleted/removed : 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 This is the 2nd or 3rd time I have had to address this issue, I never received any documents or correspondence from any of these companies. I have requested a freeze on my credit as well and please opt my name out of any promotional offers!
Product: Credit card

I have a negative balance of - {$190.00} on my account for my credit card. I was wrongly charged double interest for {$21.00} and {$22.00} on XX/XX/24. After filing a complaint with CFPB I was credited {$50.00} on XX/XX/24. I was wrongly charged interest again of {$25.00} on XX/XX/24. I have not made any purchases and my account balance still shows - {$190.00}. I should not continue to be charged interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX  Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXXXXXX XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXXXXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

Subject : Identity Fraud Report Related to Equifax Data Breach Dear EQUIFAX I am writing to formally report an incident of identity fraud that I believe is connected to the Equifax data breach that occurred in XXXX. As you are aware, this breach compromised the personal information of approximately XXXX XXXX individuals, including sensitive data such as Social Security numbers, dates of birth, addresses, and more. 
Since this breach, I have experienced suspicious activity that leads me to believe my information was compromised. Specifically : 1.I tried the dispute online, but had no success due to the information on your files is inaccurate and incorrect.

2. You never updated my profile with the correct information I mailed to you in XX/XX/XXXX. 
3.You stated you VERIFY the Creditor information and it's ACCURATE, But these COLLECTIONS ACCOUNTS are FRAUDULENT due to YOUR BREACH OF MY INFORMATION and I filed an FTC IDENTITY FRAUD REPORT ON ALL COLLECTIONS ACCOUNTS.

4.ENCLOSED is an COPY OF MY FTC REPORT NUMBERS.

5. This Breach has Damaged my Life in All Forms possible.

To mitigate further damage, I have taken the following steps : 1. Placed a fraud alert and/or credit freeze with the credit bureaus. 
2. Contacted the affected institutions like XXXX AND XXXX to dispute fraudulent charges or accounts. 
XXXX. I TRIED TO CONTACT EQUIFAX BUT THE REPRESENTATIVE WOULD NOT DISPUTE IT OVER THE PHONE. 
Enclosed, please find COPY of relevant documents, including : FROM FTC Thank you for your attention to this matter. I trust that the FTC will continue to hold Equifax accountable and support consumers like me in safeguarding our identities.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 has violated my rights 15 U.S C 1681 section 602 A. States I have the nght to privacy 15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency fi the person knows or has reasonable cause to believe that the information si inaccurate.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX  position at the end of XXXX. I waited several days to hear back and I finally made one to call hire right after about XXXX weeks. On XX/XX/year> I reported to them my status as a XXXX XXXX XXXX on this day and requested to view my report before it was sent to XXXX  to inquire if there was any information on there related to XXXX XXXX. Originally I was given the run around and told I couldnt dispute the results of my background check until after it had been sent to uber. After requesting to speak to a manager several times, I was finally put in touch with someone where she did read off the results to me that were currently listed on the background check report, but said that some of the results have not come back yet on the report were definitely items that were related to the XXXX  and also items that were over seven years old. I requested a block of these items pursuant to section 605C of the FCRA because they were due to XXXX XXXX it is my understanding that the company has only four days to resolve this issue. They receive my paperwork on XXXX XXXX and here it is XXXX XXXX and my results has still not come back and I still have not gotten my results from my background check yet and I have talked to several people there including someone from the so-called administrative offices, who promised me that it would be resolved, but I believe that they are intentionally holding up my dispute so I will not get hired because I am a victim of targeting and discrimination due to my XXXX  status I receive confirmation from my caseworker at family partnership that he verified that the letters were legitimate and that they were part of the XXXX XXXX XXXX  XXXX in Minnesota yet all I get is the runaround. It has been over four days and I am currently going to write a lawsuit to litigate this because they have caused a lot of damages in my life and have caused me to go without this job because they are procrastinating and our miss applying the law saying that they have 30 days for dispute, which is true, but this is not a dispute. This is a request to block information due to XXXX XXXX  and I have told them that several times but theyre adamant that they have 30 days so I am going to file this complaint so they can write their position as to what they have on here and then Im going to move on to a lawsuit because the damages in trouble they have caused me have been tremendous. They have made this process very frustrating and difficult. They are hard to get in touch with. They have lied to me, misled me and told me several things that are not true.
Product: Checking or savings account

On XXXX/XXXX/XXXX I discovered I saw a pending transaction on my checking account for {$360.00} from a company called XXXX XXXX - since I havent done any transaction for that amount I tried to contact the merchant with the phone number attached to the transaction. The call went to a personal voice mail - no name -it asks to leave a message .. after 2 attempts- I decided to call my bank and inquire about the charge. The representative informed me it was a charge going through my debit card and went through on XXXX/XXXX/XXXX for {$360.00} ; XXXX/XXXX/XXXX for {$360.00} and XXXX/XXXX/XXXX for {$400.00}. The representative stated not to worry and the bank will investigate and refund the charges back to my account since I havent authorized it and that the charges are fraudulent. He also stated that my account is insured and transferred me to the claims department. The agent in the claims department repeated the same thing and I also found one additional unauthorized charge that went through from XXXX for {$62.00} and disputed that charge and said hell deactivate my debit card and send me a new card. However, on XXXX the bank decided to reverse the charges for {$360.00} that occurred on XXXX/XXXX/XXXX and {$62.00} on XXXX/XXXX/XXXX stating that I didnt report the charges within 60 days of the statement date. I called and spoke with a supervisor with the claims department, XXXX in Ohio and tried to explain to her that if the charges happened in XXXX and I reported it in XXXX it is not over 60 days she insisted that the bank shouldnt refund the money that was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

found out that there was an inquiries which I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Opened XX/XX/XXXX {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX Cred Opened XX/XX/XXXX {$4600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Cred Opened XX/XX/XXXX {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations took off and put back on without notifying me They have the police report and ftc all filed
Product: Credit card or prepaid card

Fraud XXXX XXXX XXXX In XXXX my car was broken into passport credit card back pack 2 broken windows to gain access. The police report was the given officers badge number and report to credit card company boa travel reward. 
I was denied. requested it be resubmitted because have the proof. The claim was resubmitted the information. 
On XX/XX/XXXX approval letter was received by me. As of XX/XX/XXXX no refund was issued assured it would be there in 7 days. Spent Sat XX/XX/XXXX on the phone for 1.5 hrs because they are asking for the informations again Why I HAVE THE APPROVAL LETTER .I called today and they have reopened the case without sending me a denial letter nor do they have A DENIAL LETTER in their files. They are requesting police reports and sending the case back to XXXX on an approval. Tried of wasting my time in this circus that BOA has put me in. We are now at I need to wait for 45 days for them to approve it AGAIN. I am disgusted that they sent me and approval letter that meant zero
Product: Checking or savings account

I am writing to file an official complaint against Wells Fargo & Company concerning XXXX unauthorized transactions totaling {$1800.00} from my account. Despite filing a claim with Wells Fargo regarding these transactions, my complaint was denied without adequate resolution. 

I discovered the aforementioned unauthorized transactions on XX/XX/2023 and immediately contacted Wells Fargos customer service to alert them. I followed the requisite procedure and filed a formal claim on XX/XX/2023. 

After providing all necessary details and documentation to support my claim, I was notified on XX/XX/2023 that my claim had been denied. No clear or satisfactory reason was provided for the denial. 

I am deeply concerned not just about the unauthorized transactions, but also about the seemingly arbitrary manner in which my claim was denied. The lack of a clear explanation and resolution is distressing and leads to diminished trust in Wells Fargo as a financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX