23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dispute Results Report Created On : XX/XX/XXXX File Identification Number : XXXX transunion total inquiries need. to be removed this is not mine and did not have company permission to run my credit i tried to get transunion to get this resolved but they told me i have to contact cfpb.gov to get the letterss sent out t transunion Inquiries Check Dispute Status These inquiries are made by companies with whom you have applied for a loan or credit in the past two years. Learn More TransUnion 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
Product: Credit reporting or other personal consumer reports

My personal information has been compromised, and there have been attempts to apply for several credit cards in my name. I was alerted by XXXX, which led me to place a fraud alert on my credit reports. I noticed inquiries on my report from the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). I have contacted all the banks to cancel the fraudulent credit applications.
Product: Checking or savings account

XXXX XX/XX/2022, XXXX XXXX sent a refund for {$3500.00} in a check that was written to myself and my ex-wife. The check was written as PAY TO THE ORDER OF : EX-WIFE & MYSELF. On XX/XX/2022, EX-WIFE endorsed and cashed the check without informing me that she had the check or my endorsement. Bank of America cashed the check without my endorsement as well. I called Bank of America informing them of the issue and filed a formal complaint. I received a call on XX/XX/2022 from the complaint department. They stated that the check should not have been cashed and that they were in fault, but there was nothing they could do. The case was closed leaving me less the money.
Product: Bank account or service

ABC financial made an unauthorized charge for XXXX $ to my visa card. ABC financial had contacted me over a month ago about an outstanding balance on my gym membership. The gym had informed me a year ago and we verified my credit card info so everything should have been set for ABC financial to charge me my monthly membership of XXXX {$.00} When I talked to them a month ago I had specifically said that the gym waived my late fees so the outstanding balance was around {$140.00}. I also had said and verified that they had my correct credit card info which they did. The representative was going to look more into the problem and call me back in two days with an answer as to why my credit card had not been getting charged But i told her specificallY THAT I DID NOT AUTHORIZED THEM TO CHARGE ME THE FULL XXXX $ BECAUSE I COULD NOT AFFORD THAT RIGHT NOW AND ITS NOT MY FAULT THAT THEY HADNT BEEN CHARGING ME ALL ALONG. I just looked at my credit card statement and on XXXX XXXX they had charged my card for the whole XXXX {$.00} This charge was not authorized by me and no one ever called me back to resolve the problem or to tell me they were going to do this. I am extremely upset and can not afford the full {$270.00} right now. I was more than willing to work out a payment plan with them and that was not even acknowledged. This is not the first time i have experienced horrible service with ABC financial. I will now be cancelling my gym membership
Product: Credit reporting

On or about XXXX/XXXX/2015 I applied and was denied credit through XXXX bank. The reason that XXXX bank stated for their decision was my debt to income ratio was being negatively offset by the reported monthly payment amount by Mercedes Benz To XXXX in the amount of {$4500.00} when infact and according to my contract between MBFS and I the monthly lease payment amount was for {$450.00}. The vehicle has since been turned in per the attached letter and I am no longer in possession of the vehicle. All payments made on time. There is a payment arrangement in place regarding the remaining balance of {$3800.00} for early lease turn in ( 3 months early ) and excess miles, which I 've been paying on monthly {$600.00} until paid. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX  Account XXXX XXXX Account name : XXXX XXXX Account # XXXX-XXXXXXXXXXXXXX Account name : XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 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 ) A person shall 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

XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Late Payments from Credit Report Dear XXXX : I am writing to formally request that you investigate and remove certain late payment entries from my credit report. I have reviewed my credit report and noticed that the following late payments are inaccurately reflected or need to be reconsidered for removal due to mistaken and incorrect reporting. 
The details of the late payments are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Date of Late Payment ( s ) : XX/XX/XXXX Amount : [ XXXX ] I would like to request the removal of these late payment ( s ) as part of your goodwill adjustment or due to the nature of the issue. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe this request is valid and would appreciate a prompt response. 
Please let me know if you need any additional information or documentation to support this request. You can contact me at [ phone number ] or [ email address ]. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 
Sincerely, XXXX XXXX XX/XX/XXXX [ XXXX ]
Product: Debt collection

On XXXX different occasions XX/XX/XXXX and XX/XX/XXXX I sent XXXX a letter disputing a derogatory mark on my credit from a company that has illegally bought my account from XXXX Bank, now LVNV has my personal information and can not provide me information with my original company. They have sent me the same generic letter twice explaining that it is not on my report. When I sent proof from their website that it is along with the dispute letter.
Product: Mortgage

Received a letter fro m Fifth Third B ank in  XXXX  saying my mortgage payment will be adjusted down beginning in  XXXX . I sent the agreed amt as payment at the end of  XXXX  but got a letter saying my payment amt was short. I subsequently called and agreed to send an additional amt to bring my payment up to the agreed amt. Thinking everything was over, I was surprised to get letters in the mail dated  XXXX   XXXX  and  XXXX   XXXX  saying my loan was in default. I got another letter dated  XXXX   XXXX  that my payment has been posted, any late fees have been waived and credit bureau corrections have been made. I also got a check for {$1100.00} dated  XXXX   XXXX . I called  Fifth Third a nd explained that I got a check in the mail and was told that my payment was up to date. I then got some paperwork hand delivered to my home regarding mortgage payment assistance. I called  Fifth Third a gain on  XXXX   XXXX  and tried to clear up what was going on. I was told that I am missing my payment for  XXXX  so I told her I will send the payment my regular time at the end of  XXXX  along with another {$1100.00} which would represent a return of the {$1100.00} check sent. I followed up on my commitment and sent the payments. On  XXXX   XXXX  I got a notification from my bank that my acct was overdrawn. I checked and discovered that a stop payment was placed on the check that was deposited. I calle d Fifth Third an d asked that the additional amt of {$1100.00} which represented the check sent to me be returned to me since they already put a stop payment on the check. Since then I have called  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and to date,  XXXX   XXXX , I have not received my check. I was told the check will be mailed  XXXX   XXXX . When I called  XXXX   XXXX , I was told the check was mailed  XXXX   XXXX . When I called  XXXX , I was told again the check was mailed  XXXX   XXXX . Today is  XXXX   XXXX  and I am yet to receive my check. I explained that due to this incident, my other utilities were not paid. I explained the urgency of the situation including the possible effect i t may ha ve on my job. It has all fell on deaf ears. This situation is very distressing and has severely impacted my job and my family ...
Product: Credit reporting or other personal consumer reports

I would like to follow up in regards of the repeated unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and numerous communications, these fraudulent entries persist on my credit report, causing significant harm to my financial standing and reputation. It is deeply concerning and distressing to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my creditworthiness and financial stability. I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my credit file, and that measures be implemented to prevent any recurrence of such errors in the future. Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my credit file. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the credit reporting system. I am asking for your assistance to remove these fraud items in my credit file : XX/XX/XXXX Balance : {$240.00} ; XXXX XX/XX/year>XX/XX/XXXXXXXX Balance : {$240.00} ; XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been contacting equifax XXXX & XXXX every since mad credit card company removed a mistake of a late payment keep calling all 3 and there not helping clear this situation at all waiting on it to clear to expand my business with business funding also my credit card company sent several notification to all 3 companies several times even to me and they are still giving me the run around I constantly call every single day neither company is not help with removing the negative remark
Product: Credit reporting or other personal consumer reports

I disputed several accounts regarding identity theft on XX/XX/year>XXXX  and provided my driver 's license, my social security number, and an FTC identity theft report highlighting incorrect addresses, phone numbers, and accounts attached to my credit report. By, XX/XX/year>XXXX  most of the accounts were removed. But as of XX/XX/year>. All of the accounts have been reinserted on my credit report. I was not notified by the 5 days of reinsertion and was not provided with information on how the investigation verified the accounts to be reinserted back on my report. I made a complaint on XX/XX/year> and was told Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : All of XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU as well as XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. All of these accounts were outlined in my FTC identity theft report as fraudulent and should have been deleted. In addition, I am filing this complaint to address Equifax 's handling of inaccuracies on my credit report. Recent developments, including the CFPB 's {$15.00} XXXX settlement with Equifax, highlight systemic issues that resonate with my experiences. I am seeking a resolution to ensure Equifax 's compliance with the FCRA.
Product: Credit card or prepaid card

I'm XXXX XXXX military and I use USAA as my primary bank. I made a purchase online on XX/XX/2021 for just under {$3800.00}. The company I ordered from pushed back my XXXX XXXX  about once a month until they stopped responding to me around the end of XXXX. That's when I contacted USAA to dispute the charge on my card, since I never received what I ordered as well as was unable to contact the original company to request a refund. I was instructed that I was outside of the 90 day window to file a dispute through the app or over the phone, so I needed to physically mail an explanation including all supporting documents. I never heard anything back from USAA so I called them back in XXXX. Was instructed to mail everything a second time since they never received anything. I got distracted by XXXX  and realized in XXXX that I never heard anything back from USAA again XXXX I was once again instructed to email the documents since that was the only option they had for me to start a dispute with them. After paying for priority mail with tracking they finally received my documents. A dispute was started, but it was shortly followed up with a request for the shipping dates I was expected to receive my merchandise ( I included this in the packet of documents I sent them ). I called and was instructed to send the requested documents electronically through their app. After getting confirmation that the documents were received, I began the month long wait to hear anything back from USAA. I received a document stating that because I never provided the requested information, they had no choice but to deny my dispute. I called USAA again, explained the situation, and was told to send the documents again while on the phone and the customer service lady would reopen my case. I would like to point out that it is impossible to contact anyone that makes the final decisions for disputes, I'm only given a mailing address as the contact method to reach said individuals. I received a document from USAA the same day the case was reopened, stating that the case was closed again due to a lack of information supporting my claim. After calling USAA today, and informing them that I am submitting a complain through the CFPB, I was told that the customer service representative can clearly see that I have sent the requested documents multiple times and that it must be " something in the system flagging my case '' and rejecting it. What's mindboggling to me is you can research the company I was scammed by and you can instantly find numerous other individuals that never received the products they ordered. This whole ordeal has convinced me that USAA 's policy is to frustrate it's members until they give up on their efforts to seek resolution.
Product: Checking or savings account

XX/XX/2023 received a credit card for XXXX  XXXX I had not requested or applied for. This was done in Texas. They closed the account. 

XX/XX/2023 someone tried to apply for unemployment at my job site. Since I still work there, they contacted me immediately. 

XX/XX/2023 Received debit card I didnt apply for. Its from XXXX XXXX netspend debit card. Called the company to report as fraud. They had already created a user name and password for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I notified the credit reporting agency that I was a victim of Identity theft and that the account listed on my credit report under public records for a dismissed bankruptcy was inaccurate and incorrect. I sent the credit reporting agency letters from both my tax collector office and the Bankruptcy court the creditor is stating validated this information as proof that this public record was incorrect, inaccurate and should not be on my credit file and the credit reporting agency has refused to furnish information on how they are validating this debt and remove this inaccurate and incorrect information from my credit report. I am now in emotional distress and losing job opportunities due to this inaccurate and incorrect information on my credit report. I did not file a bankruptcy and it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a pre approval for a home loan and the lender told me that I was not able to get pre approved because of my credit. I then went to my bank because I thought maybe they were not telling me the truth and my bank who I have been with since I was a teenager told me the same. There are some things on my credit that is not mine. I've contacted the FTC and the police department. I'm acting on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and an account that don't have a name but the account is XXXX.
Product: Debt collection

XX/XX/ 2022 I received XXXX therapy at a XXXX XXXX XXXX XXXX office to treat an injury. XXXX billing department improperly coded the bill resulting in my health insurance denying the claims. After bringing attention to this issue, my health insurance resolved the billing code and I waited for an accurate bill to arrive. I had not yet received the bill from XXXX XXXX XXXX instead I received debt collection in the mail from TRANSWORLD SYSTEMS INC XXXX I called and explained the situation in Fall 2022 and said I would not pay the debtor, I would pay XXXX XXXX directly using my health insurance savings account. I received the XXXX XXXX bill in XXXX 2022 and I promptly paid the {$270.00} bill with the payment confirmation number written on the top right corner in the attached bill ; # XXXX.
Product: Credit card or prepaid card

I applied for a XXXX credit card inXX/XX/XXXX When I applied the promotional offer included 1 free anniversary night at ANY hotel of theirs. In XX/XX/XXXX I received a letter that they changed the promotion and it is 1 free anniversary night in a hotel up to 40,000 points. BUT if you apply for a new card fromXX/XX/XXXX to XX/XX/XXXX then you will get the old promotional offer of 1 anniversary night at ANY hotel of theirs.

I called Chase and they told me it was an XXXX issue. I called XXXX and spoke to three representatives, 2 of them managers from XXXX. They stated that the small print in the application said they can change the terms. So I explained that it seemed unethical to change the terms for people who applied for the card fromXX/XX/XXXX- XX/XX/XXXX and then change it back for people who applied XX/XX/XXXX- XX/XX/XXXXjust so they can encourage people to sign up to the card. I told them that if the promotion was changed for me then it should be for everyone and why was I being penalized for applying for the card a little more than 2 months earlier and spending money on it? Both supervisors were rude ( XX/XX/XXXX ) and one spent half an hour telling me that its the same promotion since we both get a free night.

I stated several times that it seems very unethical and a fraudulent practice or at the very least dishonest to exclude JUST the customers from XX/XX/XXXXto XX/XX/XXXXwho applied for the card in good faith that XXXX   would honor their promotional offers.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian due to their failure to properly investigate and reinvestigate my dispute regarding multiple inaccuracies in my credit report. This issue involves an account reported by XXXX XXXX XXXX XXXX XXXX XXXX  with the account number ending in XXXX. 

The following are the specific issues : XXXX. XXXX XXXX and XXXX : - The account is listed as charged off with a balance of ** $ XXXX as of XXXX XXXX. 
- However, I have evidence suggesting inaccuracies in the reported balance, payment history, and the dates associated with the delinquency status. 

2. **Failure to Investigate** : - I initiated a dispute regarding these inaccuracies, and although Experian updated the account in XXXX XXXX, their actions did not resolve the inaccuracies. 
- My dispute clearly outlined concerns about incorrect payment history, the misreporting of the balance, and the inconsistency in the charge-off timeline. 

3. **Reinvestigation Lacked Due Diligence** : - Experians response did not adequately address the evidence I submitted. 
- Instead of conducting a thorough reinvestigation, the account remains inaccurately reported, damaging my credit profile. 

# # # **Impact on Me** : The failure to correct these errors has significantly impacted my financial reputation and credit score. This has led to difficulties in obtaining credit and higher interest rates.
Product: Mortgage

CitiMortgage, Inc. claims to be the holder, through several unrecorded assignments, of a mortgage originally granted by the former XXXX XXXX XXXX XXXX, XXXX. ( The FED describes this as having been a voluntary take over of XXXX XXXX XXXX XXXX assets and therefore not in the purview of their assistance with failed banks. ) The mortgagee, XXXX XXXX, is XXXX. She contracted to sell her home in an arms length transaction. She paid the payoff amount provided by Citimortgage. The buyer 's bank and title company will not accept the discharge from CitiMortgage because they say the ownership of the mortgage is not a matter of record at the regiastry of deeds. Citmortgage, despite demands by certified mail, has so far refused and failed to provide recordable proof of their ownership of the mortgage. As a consequence, XXXX XXXX can not pay her XXXX home bills and could be at risk of eviction from the XXXX home. Until she expends the house proceeds on her XXXX home, XXXX ( XXXX ) will not pay for her XXXX home expenses. she is caught in a catch 22 situation. 

Massachusetts law requires that mortgage assignments be recorded at the regisatry of deeds, and that the holder, on payment, provide proof of ownership of the mortgage. Despite being provided with a copy of the statute, XXXX has failed to respond.