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

This complaint is to dispute the inquiries referenced below and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. This inquiries is not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiries in question or delete. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, Equifax is required by the FCRA to follow up with the creditor. The listed inquiries were not authorized for any permissible business purpose : XXXX XX/XX/2023 XXXX XX/XX/2023. The FCRA requires Equifax to verify the validity of the items within 15 days. If the validity can not be verified, Equifax are obligated by law to remove the item. There is a clear case of unauthorized inquiries here, and I urge Equifax to remove them before I am forced to take legal action.
Product: Debt collection

I was injured at work, onXX/XX/2018, I went to the walk in clinic, and a XXXX XXXX XXXX  claim was filed.In XX/XX/2018 I received a letter from a collection agency, saying that I owed XXXX XXXX   XXXX , I never received a bill, This is a XXXX XXXX XXXX issue, I called Americollect, and told them about it, I called the third party billing service for XXXX XXXX , to get this straitened out, to no avail, this bill should have been sent to XXXX, the company handling my XXXX claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion closed my disputes without proper investigation to verify accuracy of negative account balance and date delinquency began with creditor XXXX XXXXXXXX XXXX  ( XXXX account # XXXX ) ( TransUnion account # XXXX ). I disputed both the balance owed ( {$24000.00} ) and date of last payment. I specifically requested both credit agencies obtain written debt verification to prove date of first delinquency from creditor, including a payment itemized statement and a transaction ledger starting with a zero running balance. I filed separate disputes with TransUnion on XX/XX/XXXX and with XXXX on XX/XX/XXXX. TransUnion closed its dispute on XX/XX/XXXX. XXXX closed its dispute on XX/XX/XXXX. I called both companies for explanation. Representatives said their systems did not show that the creditor ever supplied the requested written debt verification or payment ledgers to confirm the reported balance amount or date of first delinquency. Also, XXXX reports different information for this account. I recall making my last payment in late XXXX, which makes this account 7 years old and non-reportable by law. These credit agencies ' failures to complete adequate investigations violated my rights under the Fair Credit Reporting Act as follows : - consumer right to privacy, 15 U.S.C. 1681 Section 602A ; and - improper furnishing of consumer account information without my written instruction, 15 U.S.C. 1681 Section 604A2.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

On XX/XX/2022, " XXXX XXXX '' reported a fraudulent inquiry to Experian which was not the result of any credit-seeking activity on my part. XXXX XXXX informed me this was from XXXX XXXX XXXX. XXXX XXXX XXXX informed me this was from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX informed me there was an error on their website which resulted in the inquiry being sent by mistake. She stated on XX/XX/2022 : " Thank you, XXXX. I will get this information over to XXXX XXXX so they can move forward with removing the inquiry. '' Experian at XXXX and XXXX repeatedly hang up on my relay calls and refuse to take any of my information to report the issue since XX/XX/2022 ( monthly IP relay call logs can be provided for this behavior ). Experian refuses to acknowledge the mail sent to them via USPS on XX/XX/2022 and XX/XX/2022 as no response has been received and no acknowledgement made. XXXX XXXX insists they were legitimate in fraudulently accessing my credit report when it was unauthorized. XXXX XXXX  has been unable or unwilling to take further action to resolve the problem. As a result, I am paying higher home insurance premiums because of this fraudulent access of my credit report and fraudulent inquiry made by some bogus website.
Product: Mortgage

I paid off my loan to chase bank and I was given no receipt. This was handled poorly and I an not happy.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXX Account number XXXX
Product: Debt collection

They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

Thank you.
Product: Credit card

There was a fraudulent activity on my Macy 's credit card in XXXX XXXX for XXXX charges : {$44.00} and {$47.00} on XX/XX/XXXX and XX/XX/XXXX respectively. I notified Macy 's of the fraudulent activity as soon as my statement arrived XX/XX/XXXX. I received their Statement of XXXX application XX/XX/XXXX and mailed the completed application on XXXX XXXX describing the fraud claim in writing. After numerous calls to Macy 's to check the status of the Fraud Investigation for two months, I was told that Fraud Department help desk had no access to the investigation details other than a status of " pending ''. They could n't confirm whether the Statement of Fraud application was even received. In order to reassure myself they had received it, I mailed a copy of the initially filled out application with a certified letter XX/XX/XXXX. The certified letter was received on XXXX XXXX. I then called again to check the status and was reassured that the investigation will be completed in 30 to 90 days. The 90 days expire tomorrow ( XXXX/XXXX/XXXX ) and after my last phone call with them, the investigation is still not complete. Macy 's is reporting my account as delinquent and late because of these unpaid fraudulent charges and as a result my credit card score is plummeting. My life has been put on halt as I ca n't achieve my goals because of my poor credit card score. As a consumer, I have done everything in a timely manner and with care while Macy 's has just neglected the reported fraudulent activity on my account for 7 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I noticed om the contract that too manypayments were listed on the contract. I contacted the dealership and told them and they told me to bring the car back to sign a new contract. When I arrived they told me that my {$600.00} down payment was not enough and that I had to put down an additional {$600.00} and that I needed to sign additional documents. I refused and gave them the vehicle back. 
The car was not reporting on my credit at that time. 
2 weeks later, I received an alert displaying a new account from XXXX XXXX with a {$12000.00} debt. 
My down payment was not returned by the dealership although I returned the car within 5 days. 
Now this new auto loan is displaying on my credit report which is preventing me from obtaining an auto loan as well as a loan for a home. 

I have sent a cease and desist letter to the dealership ( which has been ignored ) as well as contacted the Illinois Stated Attorney. 
I have disputed this account with all 3 credit bureaus and this account still has not been removed.

I am at my wits end!!! 
Please help
Product: Mortgage

Homeside, DBA XXXX continues to push back closing. Appraisal is nearing expiration with no end in site. Please close or refund appraisal We applied for a refinance on our Mortgage on XX/XX/2020. Shortly after, we were given the expectation of closing in XXXX by being explicitly told not to pay XXXX and XXXX mortgage payments. XXXX came, and it took several attempted contacts to get ahold of our loan officer to find out that we needed to pay XXXX as closing wasn't happening anytime soon. I didn't like being lied to, not having honest expectations delivered up front and having to practically drive to their XXXX location in Ohio to get information on my loan application. Further, in reaching out to place a complaint with customer service, I was appalled to get a nasty message from my loan officer denying he had made any instructions ( again, in writing ) about when to expect closing/ not make mortgage payment. I asked to be assigned to a new loan officer. Since then, the new loan officer has checked in, however, yet again, the timelines and information do not match up. We were in submitted on XX/XX/XXXX per an email, and now are in submittal today, XX/XX/XXXX. We were to expect closing in XXXX, and now today I am being told closing will be in XXXX. Further, I find out from another lender that the appraisal we have can not be used after XX/XX/XXXX. Per XXXX XXXX online reviews, it appears the company makes a habit out of drawing out closing for months at a time, then denying the loan after the appraisal expires. This simply will not be accepted without litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well Fargo continues to claim that they've thoroughly reviewed this matter, but in reality all they've done to date is keep reiterating without merit that this matter has been previously addressed. They state this claim without actually seriously looking into my then financial situation without any legitimacy and emphasis on assisting the financial hardship I had to endure as a direct result of their toxic and destructive loans. The loan in question, a PICK-A-PAYMENT loan, has been found to be one of the most self-destructive Mortgage loans ever developed by any U.S based mortgage lender . Wells Fargo had to dole out millions in restitution via a " settlement '' and was supposed to assign a specialist to help modify said loans into restructured loans that would help save ones primary residency. Wells Fargo once again duped the courts by concocting modification approval formulas and mythology that favored their agenda and interests. I know this as a matter of fact due to my financial troubles that this very loan has subjected me to personally. To merely take principle, interest and penalties owed, slap it all on the back of the loan, keep the very same terms and conditions in place that caused the ruin to begin with and call it a " Modification '' is nothing less than insulting and deceptive. I will not go away and I will not stop fighting until Wells Fargo makes fair and equitable compensation for my loss.

It is of known fact that Wells Fargos software algorithm resulted in Wells Fargo " mistakenly '' foreclosing on hundreds of homes over an eight year period ( ref XXXX XXXX XXXX XXXX. During the time period in question I had submitted multiple modification requests that either had not resulted in a modification that would have provided relief during my time of crisis ( ref XX/XX/XXXX MOD Request ) or was simply denied ( ref XX/XX/XXXX MOD & XX/XX/XXXX appeal ). These modification decision outcomes were critical and paramount in maintaining home ownership of the property known as XXXX XXXX XXXX  XXXX Fl, XXXX. With the unfortunate and now predictable demise of Wells Fargos destructive Pick-A-payment loan that myself along with millions of other predatory lending victims were subjected to, ( XXXX XXXX XXXX ) the cost impact to such a toxic loan to this day keeps on eating away at its victims financial means in so many devastating ways.
Product: Credit card or prepaid card

I made a purchase to XXXX XXXX via XXXX XXXX XXXX. Retail Card with deferred interest. I paid the account in full before the 6-month term expired. TD added a late charge of {$37.00} towards the end of the term leaving a {$37.00} balance. I complained several times and they claimed to remove it. They did not, and instead added the compiled deferred interest and now claims that I owe {$370.00} and continue to add late fees.
Product: Mortgage

I have applied for a mortgage assumption and given the lender all the information they requested but No One at the company has provided me any updates or advice when I can expect to close.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX : {$11000.00}, XXXX XXXX XXXXXXXX ( XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I suffered an XXXX XXXX in XX/XX/2018 that required emergency care, and did not have the option of shopping for best provider. XXXX XXXX allegedly distracted that XXXX  but incompletely which required additional distraction at hospital admission. XXXX XXXX was requested to provide the Medicare billing code and amount that would normally be paid for such billing code per the Center for Medicare and Medicaid Services. They did not do so, and have not done so which implies they are billing some 600 % above the authorized billing amount. I have made a payment based on the lesser service actually provided and documented. ARS has not stated whether they purchased this alleged debt or whether they are merely " shake down '' agents who know nothing about the original billing or its dispute. 
I am disputing this debt as it is not substantiated by CMS billing code or Medicare billing amount. I am requiring ARS to submit objective evidence if they have purchased this alledged debt and the actual amount they paid for that alleged debt. If they have not purchased this debt and can not produce the actual CMS billing code and amount, they are immediately to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

At all relevant times herein, I have been the joint owner of a real property at XXXX XXXX XXXX, Virginia XXXX, VA XXXX. 

My current mortgage servicer is XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2021, I saw that Experian was reporting my XXXX XXXXXXXX XXXX XXXX account as discharged through bankruptcy. 

XXXX XXXX XXXX, 2021, I submitted an online dispute to Experian XXXX disputing that the XXXX XXXXXXXX account as discharged in bankruptcy and providing proof from the bankruptcy court that my XXXXs XXXX Home Loan account was not in fact discharged in bankruptcy. 

On XXXX XXXX, 2021, Experian responded to my dispute, verifying the inaccurate information as " accurate. '' Neither XXXX XXXX nor Experian performed a reasonable investigation of my dispute. 

On XXXX XXXX, 2021, I attempted to correct the inaccurate reporting directly with the furnisher, XXXX XXXX home Loans. I spoke with XXXX ( employee ID XXXX ) in the bankruptcy department who told me they could see my loan had been modified via the bankruptcy court, but that they, the bankruptcy department, had no control over the credit reporting of my account and if I wanted any changes to the reporting, that I would have to dispute it with their credit reporting department, which of course I already had by virtue of my XXXX XXXX, 2021 dispute to Experian, who had forwarded my credit reporting dispute to XXXXs XXXX. 

I am therefore attaching the following for the CFPB 's review the following documents to show my loan was exempt from the bankruptcy discharge and should not be reporting as discharged in bankruptcy : XXXX ) XXXX Order Approving Loan Modification XXXX ) XXXX Notice of Voluntary Conversion from XXXX. XXXX to XXXX. XXXX XXXX ) XXXX Order Converting Case from XXXX. XXXX to XXXX. XXXX XXXX ) XXXX Amended Schedules ( See Schedule C showing XXXX XXXX XXXX as secured, exempt property ) XXXX ) XXXX Trustee 's Final Report and Account XXXX ) XXXX Discharge of Debtor Also attached is Experian 's XXXX XXXX, 2021 response to my dispute re XXXX XXXXs XXXX Home Loans account in which they " verified '' the reporting as " accurate. '' As you will see from the attached bankruptcy documents, the loan for XXXX XXXX XXXX was modified by the Court. I was then able to convert from a Ch. XXXX to a Ch. XXXX and my property at XXXX XXXX XXXX was exempt from discharge. Therefore, when the Court entered an Order of Discharge, the mortgage loan with XXXX XXXX Home Loans was NOT discharged. 

Both Experian and XXXX XXXX XXXX Loans are in violation of the Fair Credit Reporting Act. I simply want my credit report to reflect that my XXXX XXXX loan is current and in good standing and is NOT discharged in bankruptcy. It is causing me credit damage and no small amount of stress. The whole point of bankruptcy was to escape the overwhelming burden of medical bills and have a fresh start. XXXX XXXX and Experian are preventing me from having a fresh start. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

According to Section 605 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ), consumer reporting agencies are prohibited from reporting accounts that are past the seven-year reporting period from the date of first delinquency. Based on my records, the first delinquency on this account occurred prior to XX/XX/year>. Therefore, if this date is accurate, the debt is past the allowable reporting period and should be removed from my credit report. 
Furthermore, this account is labeled as open under the collection agency, which is misleading. Section 607 ( b ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) requires that credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting the debt as open could incorrectly imply it is a revolving or active credit account, rather than a collection account, thereby misrepresenting the true nature of this debt. 


Ive reached out to XXXX, the bureau in which this information is being reported with no success and also LVNV Funding.
Product: Checking or savings account

XXXX XXXX took number overdraft fees from y account from XXXX present date
Product: Credit card

Prev complaint XXXX Unacceptable response! The merchant and construction company did not contest the dispute, and accepted it on their end to promptly return my funds to my credit card and to resolve the dispute in my favor. The email and screenshots of this was submitted. I also called merchant directly to confirm this and advised Goldman to do the same. This was never done. Then Goldman closed out the original dispute stating that I said to close this out, in which I did not. Now they are dragging this along, accept for owning responsibility for their error and not resolving this dispute in my favor thus returning my money to me since the merchant sent the response stating this is in my favor. Completely unacceptable. Goldman Sachs needs to connect me directly with merchant on the line, so that we can clear this up. Apparently the emails and screenshots have not been reviewed by Goldman to see that the merchant resolved this in my favor. Thus Goldman is holding these funds on hold where they should have returned it to me and resolve this dispute in my favor. 


I filed a dispute thru my Apple Card for a charge from XXXX on XX/XX/23 in the amount of {$8200.00}. The dispute reached the merchant XXXX immediately, in which their client XXXX XXXX did not contest the dispute and agreed to return the funds to my credit card. This was acknowledged on XX/XX/XXXX per the attached email trace between XXXX and XXXX Risk Operations. This email was furnished to me directly from XXXX  client XXXX XXXX To date, Goldman Sachs - Apple Card has not resolved the dispute in my favor and provided a permanent credit of this amount per above. After placing serval calls to Goldman to check the dispute status, everyone has told me that there has been no updates from XXXX on this dispute, however this is incorrect. The funds should have immediately been returned to my credit card as per above. XXXX attached email from me contacting XXXX on XX/XX/23 confirming that they returned the {$8200.00} to Goldman Sachs Apple Card to m return to my account, yet Apple Card has not done this. Where is my money????