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

AS OF XXXX XXXX XXXX I HAVE NOTICE FRAUDELENT ACCOUNTS ON MY CREDIT REPORTS
account name : XXXX  self-reported
account XXXX XXXX  
balance:XXXX
last active date:XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and dissatisfaction regarding the handling of my dispute and the failure to validate the accounts in question within the 30-day timeframe as required under the Fair Credit Reporting Act ( FCRA ). Additionally, the necessary corrections to my credit report have not been made, despite my efforts to resolve this matter. 

XXXX, I submitted a dispute to Experian, Equifax, and TransUnion regarding inaccurate information on my credit report. Specifically, I requested validation of the accounts listed below : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX - Account # XXXXXXXXXXXX XXXX XXXX XXXX Account # XXXXXXXXXXXX Name to REMOVE : XXXX XXXX XXXX Addresses to REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX Keel Ct XXXX XXXX, XXXX XXXX IL XXXX To date, I have not received any validation of these accounts, nor have the inaccuracies been corrected on my credit report. This lack of action has caused significant harm to my financial well-being, including but not limited to : Denial of credit opportunities Higher interest rates on loans Emotional distress and frustration Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days and provide a response, including corrections or validation of the disputed information. The failure to do so is a violation of my rights as a consumer. 

I respectfully request that the CFPB investigate this matter and ensure that the credit bureau ( XXXX ) involved comply with their legal obligations. Additionally, I urge the CFPB to take appropriate action to hold the credit bureau ( XXXX ) accountable for their failure to act within the required timeframe and to ensure that my credit report is corrected promptly. 

Please find attached copies of my dispute letters, correspondence with the credit bureau ( s ), and any other relevant documentation for your review. 

I appreciate your attention to this matter and look forward to a resolution. Please contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation.
Product: Credit reporting

Both equifax and XXXX have my account with XXXX listed has charged off or repossesed. My car I got through them was stolen on XXXX XXXX and I have the police report to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate accounts are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On the afternoon ( around XXXX ) of XX/XX/2023, I was the victim of a scam. The scammer called from the XXXX Sheriff 's Department and he had done some up front work in that he knew I am employed as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He had also obtained current and previous addresses of mine. 

The scam was that I had not shown up for jury duty and that I was being charged a Failure to Appear and a XXXX XXXX XXXX charge. He told me the total cost to me would be {$2800.00} and that if I paid right away, I would see the XXXX on XXXX XXXX in one hour and half of the money would be returned to me. As fate would have it, I did miss jury duty during the pandemic and had never received a response to my emails. Also, as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX if I were to receive any legal charges, I could lose my job, and/or my license in an instant. I sent the money over XXXX to some Sergeant whose name now escapes me. 

I contacted Wells Fargo, where I have banked for 20 years, right away. The lady in the XXXX Department that took my call was empathic and she said she likely would have also fallen victim to this particular scam. As I have mentioned, this happened late in the day on XX/XX/XXXX. On Saturday, XX/XX/XXXX, I received a letter dated XX/XX/XXXX, indicating that Wells Fargo had completed their investigation and I would not be receiving any funds back. I filed a complaint alleging there was NO investigation of any kind. ( I have had a couple of other scams or unauthorized charges previously with Wells Fargo, and the funds were returned immediately. ) I waited over XXXX months for a response to my complaint and I have emails dated XX/XX/XXXX where I informed the Wells Fargo Enterprise Complaints Management Office ( WFECMO ) that I had tried several times via phone to contact someone who could explain all of this to me. No one from fraud or customer service helped me. Once I was told the case specialist was away from her desk. In another attempt, I spoke to a man named XXXX in the Fraud Department who was very rude, unnecessarily cold, and condescending towards me. He looked up my case and told me it had only been 5 days and that they had XXXX more days to respond. ( Recall I had already received a letter after a day and a half ). So he was basically dishonest and did not want to deal with me. 

I could not comprehend why I felt punished by Wells Fargo. They also took away my access to XXXX for a period of time. I filed a XXXX complaint escalating my first complaint, and of course, waited for another month to be told I would not be receiving any funds back. By the way, I filed a police report for the scam.
Product: Payday loan, title loan, or personal loan

we agreed on a payment amount and they started increasing the amount due outrageously and would not send me any documentation to justify the increased balance. which increased every week significantly
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX XXXX Balance : {$700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Product: Debt collection

XX/XX/17 I was paid to other collector XXXX.. XXXX
Product: Mortgage

Please read in its entirety. 
Complaint Submitted on XXXX/XXXX/XXXX Case number : XXXX I have contacted Freedom Mortgage XXXX on 4 separate occasions to remove my PMI insurance since we own more than 20 % of our home. I have submitted a written request to Freedom Mortgage to remove it. They then requested an appraisal, which I also submitted. However, since I did not use one of their vendors for the appraisal they denied my request. They are now contacting me to try and barrow me more money because they have an " updated '' value of our home. All I want is my PMI removed. The customer service has been terrible. 

Freedom Mortgage 's response on XXXX/XXXX/XXXX : We are in receipt of your complaint and are happy to respond to your concerns. I have reviewed your complaint and researched the issue regarding your request from PMI removal. 

You requested PMI removal and submitted your own appraisal and asked if that appraisal was would be acceptable. We responded with letters to you on XXXX and XXXX specifically stating that an appraisal was required from our vendor. I have attached the letters for your review. Once again, we can not accept the appraisal you have submitted. The appraisal must be from an independent. This is an investor guideline which we can not change. 

I have also attached a PMI disclosure that you signed at closing. PMI is scheduled to automatically terminate after you have made the XXXX/XXXX/XXXX payment assuming your payments are current. Given the estimated cost of a new appraisal at {$450.00} compared to the 4 remaining PMI payments at {$26.00} per month, it appears that it would be more cost effective to wait for automatic termination after the XXXX/XXXX/XXXX payment has been made. However please feel free to contact our appraisal vendor for a price quote so that you may make an informed decision. 

If you have any further questions or concerns, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Customer Service Freedom Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX response on XXXX/XXXX/XXXX : We did receive the letters that were attached in this case, however, they did NOT state that we were REQUIRED to use an independent vendor ( please read the letter ). Also, we never received any document that our appraisal was not acceptable. I know Freedom Mortgage has access to our latest home value because they have contacted me to barrow me more money. How come the " updated '' value of our home from our " non-independent appraiser '' is " good enough '' to contact me to try and lend me more money but not " good enough '' to remove the PMI. All that was stated in the PMI contract that we signed on XXXX/XXXX/XXXX was in order to cancel the PMI an updated appraisal would be needed. I have attached all the documents related to this dispute.
Product: Mortgage

Mr. Cooper purchased the loan. During the loan application process, I purchased a buy-down. Mr. Cooper is not honoring buy-down and charging full-price. The agency reported that they have " 60 days to receive '' information from other companies, and I must make payments in full until a resolution is identified. 

Mr. Cooper is charging me 7 % interest versus 5.5 % interest per legally binding contract. Since they broke the contract, I would like to remove the buy-down, have this money reimbursed, and have fees and payments that I would incur provided to mei.e., {$73.00} late payment.
Product: Credit reporting or other personal consumer reports

Several charged off accounts are being reported on my XXXX XXXX with a past due balance. Charged-off accounts can not be reported with past due balances. I have XXXX these accounts but I keep getting ignored.
Product: Payday loan, title loan, or personal loan

Received a check from ace cash espress, inc refund XXXX for {$400.00}, i went to the bank to cash it, and a day or so later i get notify from the bank that the check was returned unpaid, and the bank is charging me the {$400.00} to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of the West : XXXX XXXX I paid this account off almost a year ago and they are still reporting and updating my credit report with an open balance.The company is currently in violation. This needs to be fixed immediately. This has been negatively affecting my credit score over this past year. Remove this negative account off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NYS OTDA, DUVERA FIN, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DUVERA FIN, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

XXXX XXXX XX/XX/XXXX {$130.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$170.00}
Product: Mortgage

I received the annual escrow account disclosure statement which included the anticipated annual disbursements. Loan Depot is stating my bills due in the upcoming year are my mortgage insurance XXXX county tax, hazard insurance, and other insurance. I don't know what this " other '' insurance is and why they anticipate me having " other '' insurance. I never bought other insurance. The only insurance I have ever had or plan on having is hazard insurance. 
Loan Depot is falsely claiming that I bought " other '' insurance in XXXX, which I never did, and it's causing my mortgage to increase. 

I already placed a complain with CFPB ( company ID XXXX ) about Loan Depot stating my hazard insurance was not hazard. This mistake was fixed on their end and should have not affected my future escrow account, but it looks like it still did. 

Starting XX/XX/XXXX I am now having to pay extra for " other '' insurance that LD is stating I had. 

On top of that, the reimbursement check I received for escrow is incorrect because of this " other '' insurance LD is claiming I will have next year.
Product: Credit reporting or other personal consumer reports

TransUnion was notified in CFPB Complaint XXXX that XXXX XXXX  XXXX XXXX XXXX  for the removal of account XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Despite this, the account remains on my credit report, and TransUnion has failed to act. I have attached XXXX XXXX response confirming their request for deletion, yet your company continues to report this inaccurate information. This is not a dispute but a formal demand for compliance with federal law. TransUnion is in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681e, which mandates maximum possible accuracy, and 15 U.S. Code 1681b ( e ) ( 6 ), which requires a joint notification system between bureaus. Your failure to correct this issue has deprived me of my rights under the Truth in Lending Act ( 15 U.S. Code 1602 ( f ) ) and constitutes a federal violation under 18 U.S. Code 241. Additionally, TransUnion XXXX XXXX establishes your legal obligation to investigate and correct inaccuracies. If this account is not removed within 30 days, I will pursue legal action for willful noncompliance under 15 U.S. Code 1681n.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution XXXX XXXX XX/XX/year> TransUnion
Product: Debt collection

My complaint is about XXXX XXXX collecting for XXXX XXXX on a XXXX credit card. 

During a period of financial difficulties, I got behind on my small debt with XXXX through XXXX XXXX. They have since started charging me a huge fee each month such that I will have difficulty ever bringing this account current even though I make a payment each month. 

XXXX XXXX calls me almost every day up to sometimes 8-10 times, including on Sundays. 

I have tried to make settlement with them but since most of their people do n't speak plain English it is impossible to deal with them. Even if you call XXXX XXXX itself, you still get connected with someone who does not speak clear English. 

If they want to call one time per day I can accept that but I am sick of the Sunday calls. 

This company should be shut down for its many violations of the federal debt collection laws. 

They call me both at work and on my personal cell phone.
Product: Credit reporting or other personal consumer reports

Please eradicate these inquiries. I am unaware of them, and the company took action without my approval.
Product: Debt collection

On XX/XX/XXXX, a Default Judgement was entered against me for a credit card debt. After further research into the credit card debt, I noticed that I was being charged interest on the debt before a judgment was even recorded. The amount of XXXX was written off XXXX of XXXX an affidavit was filed with the court sating there was accrued interest on a charge off account.I have a document from the original creditor stating the last payment on the account was made on XX/XX/XXXX on XX/XX/XXXX I received correspondence from the attorney stating that the amount owed was XXXX with interest and on XX/XX/XXXX, a default judgment was entered for XXXX with additional interest now the total amount that the attorney is seeking is XXXX which a garnishment was sent to my place of employment for that amount. I believe that the collection company and the bank has violated the Fair Debt Protection Act through its practice of retroactively imposing post charge interest on consumers debt I seek to be made whole I tried to go to court and explain this to the judge but because I did not show up to the court within 14 days of the complaint the judge said he couldn't listen to my side of the story I just don't understand how collection companies can get away with adding interest to an account that was charged off the bill of sale from XXXX  XXXX XXXX does not have an account number or an amount owed on it. I am asking to be made whole this account has stopped me from purchasing a home it was an embarrassment for a garnishment to be received by my employer the default judgment expired on XXXX XX/XX/XXXX but the attorney never sent over an ex parte order I was never even notified that the judgment was extended for another 10 years never received any documentation on that except for a letter from the attorney to me and my place of employment stating that the judgment is valid with no court papers along with the letter. Please help stop deceptive debt collection inflating charged off debt. Consumers in distress.
Product: Credit card

I applied for an Indigo Mastercard issued by Concora Credit. I was approved but was never informed about the credit limit. I received a confirmation email and using that information and the online account. I found it was only a {$300.00} limit. I immediately called Concora and stopped the process / cancelled. I received a verification letter from Concora that the account was closed. I never received a card so the account was never activated.

Today I received an email " statement '' indicating I owed Concora / Indigo {$75.00}.

I should owe then exactly XXXX. I tried calling numerous times but they have " technical difficulties '' as usual.
Product: Debt collection

XXXX XXXX XXXX XXXX has posted XXXX negative marks to my credit. XXXX, XXXX, XXXX, and XX/XX/XXXX. Additionally XXXX, XXXX, and XX/XX/XXXX. They claim I owe {$350.00} charge for a paramedic from XX/XX/XXXX. I never received any notices of this charge, and was unaware that I owed anything. I didn't receive care from a paramedic on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX - XXXX - {$0.00} XXXX  - XXXX - {$680.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$10000.00} XXXX XXXX  XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$540.00} XXXX XXXX  XXXX XXXX - XXXX - {$11000.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$480.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX  - XXXX - {$540.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$800.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX XXXX XXXX {$800.00} Late Payment XXXX XXXX XXXXXXXX XXXX {$400.00} XXXX  - XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX - XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} Inquiry 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 XXXXXX/XX/XXXX Personal Information Also Known As : XXXX XXXX
Product: Credit card or prepaid card

I got approve for Citi XXXX  credit card on XX/XX/XXXX after ten days never got the card, I move to florida XX/XX/XXXX contact Citi to request a replacement card mail to my new address they confirmed the new card was mail after contact a few times the answer was the card is in the mail, this card has an three month offer to get XXXX points, the time is running and the only thing I have is the photo of the card someone send me from my old address if I go to the store I have to put the number manually, Still waiting for the card.