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

Please remove my fraud alert and consumer statement. 
Thank you.
Product: Credit reporting or other personal consumer reports

XXXX  , Tranunions, XXXX didnt remove late payments
Product: Checking or savings account

I opened a chase checking account on XX/XX/2020 ( account ending in XXXX ) ( chase debit card ending in XXXX ) and by XX/XX/2020, Chase bank restricted my account and were holding my funds, i had a positive balance of {$1900.00} in my account. Having to wait hours on multiple wasted calls the week of the restriction, staff came to a conclusion of closing, I NEVER EVEN RECEIVED A CHASE CARD, i was told Chase bank protocol was to close an account within 10 business days and once closed, send out a official check of the remaining balance to my address within 10 business days. Account was closed XX/XX/XXXX, the banker who opened my account told me, i was also emailed that day with a low balance alert indicating my account went to a flat {$0.00} balance. Fast forward to today and i'm in need of better answers, some tracking or something, because we are way past 10 business days after closure and the phone calls I've been giving haven't done any good service for me as i've been given the run around, back n forth from claims dispute department, fraud hotline department and risk resolutions department, no one could tell me where are my funds. Why haven't i received my check? This is absurd and has to be illegal as it seems Chase has seemingly stole my funds at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : 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 card or prepaid card

Call from ( XXXX ) XXXX representing Am Ex promo cruise. Not a member but pushed 1 to talk o a human. Told her I am on the do not call registry. She hung up on me immediately. Tried texting the number and text was blocked No doubt this is a scam My number is XXXX XXXX XXXX. Happened about an hour ago. Any help resolving this greatly appreciated.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and Transunion  data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

The information on my consumer report is inaccurate
Product: Debt collection

Fake company calling with with threats of legal action attempting to collect fake debt Enhanced Rec Co XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Traying to fix my credit score, i did send to self.com financial co the monthly fee {$49.00} for 4 month.After " Self co '' did stop the service and refuse to return taking money back to my account.
Product: Mortgage

Me and my ex husband are selling our house per our court agreement. We found a buyer to assume my exes VA loan and do a VA assumption, The mortgage company received our documents the 2nd week of XXXX by over night mail, and then lost them. They did not tell us they lost the documents and needed new documents until a week and a half until the loan was set to close. 

We sent in new documents to them the end of XXXX and they told us they would rush the documents and we could possibly close around XX/XX/XXXX. They did not start reviewing the documents until XX/XX/XXXX and now they will not answer our emails or call us and we do not have a contact number for the assumption department and they will not give us one and the customer service department tells us there is no way to get us in contact with them. Weve been told from costumer service agents that they dont even do VA assumptions and there was probably no way the paperwork would go through yet when we read them their own policies they state that they didnt know that was a thing and that their company did that. So, they are spreading lies and creating angst because they are under educated on their own companies servicing departments. 


We have tried emailing several people, several different times and everything just gets ignored. 

The level of unprofessionalism is ridiculous.
Product: Bank account or service

I 'm a XXXX XXXX adult and Bank of America stole over {$340.00} of my XXXX money from a new checking account that I opened in order to prevent any fraud from occurring on my account again. On Friday XXXX XXXX just prior to XXXX CST when the claims department closes they removed the money from my new account without any warning or offer for payment plan. I still dispute the credit reversals that led to a negative balance after I closed the account at a local branch. Every banker I 'd previously spoken to said that my new account could not be touched by the bank or anybody but myself. I had no means to prepare for the sudden removal of almost all funds I had left, since I 'm on XXXX. They offered a friend of mine payment plans and additional help many times, though. I have visual documentation of all these events. I also have recorded information that proves they acted illegally by stealing funds from my new account. I want them to refund the money, explain why they did this, and compensate me for the money I had to borrow for immediate health purposes. I can prove all of this. Please help me, please. I have nothing left even for food. I also want them to pay a penalty fee to me for hurting me like this. I beg of you to intervene. Tell me what proof you want.
Product: Credit reporting or other personal consumer reports

These are not my account. It is the credit bureaus responsibility to make sure theyre reporting accurate information and going through the proper protocols before putting information on my credit report. The information does not match up to the other bureaus and according to the FCRA you must make sure everything youre reporting is accurate. Im entitled to an accurate report please remove the fraudulent account immediately. Im attaching my FTC report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 


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
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had a XXXX XXXX  XXXX  with USAA since XX/XX/XXXX. With an Exceptional payment history & zero late payments on credit report per XXXX. I will attach proof in uploaded documents. I had {$5000.00} credit limit which is reflected on my XX/XX/XXXX card statement. I will attach a copy. Then statement dated XX/XX/XXXX under Transactions shows payments & credits totaling {$4200.00} in an attempt to improve my credit score by improving my credit utilization ratio which makes up for 30 % of your credit score. Which I was previously unaware of. After receiving my payment reduced my credit limit to {$2600.00} therefore preventing me the opportunity & impact advantage those large payments would have made to my credit score. I called to dispute at that time & was brushed off & never received any follow up or explation. I want my credit limit restored to the original {$5000.00} so I can receive the positive impact to my credit score the payment was intended to do in the 1st place. Paying off your debt should never have a negative impact to your score. It is sending the wrong message to consumers. They wanted my balance to remain high so they can charge me more interest charges & thats just wrong on every level. Especially considering Ive never missed a payment ( per XXXX  XXXX which proves it is about interest charges.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX was never late XXXX I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed
or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on Monday XX/XX/2022. Here is my tracking # : XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have a right to privacy. Also according to 15 USC 6802. No financial institution can share my personal information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX - {$2900.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documentation. XXXX XXXXXXXX XXXX has systematically and unethically continued to attempt to extort money from me by violating my rights including : unfair and inaccurate reporting to credit bureaus, attempting to extort money by negative reporting incorrect information to agencies, attempting to add exorbitant additional fees after the fact of {$6400.00} ( house closing and payoff as of XX/XX/XXXX, court case dismissed as of XX/XX/XXXX ), charging exorbitant and unethical fees ( including a one month XXXX % fee of {$3000.00} ), etc.. The loan is paid in full and I have NO CONTRACT, NO STATEMENTS/DOCUMENTATION FROM XXXX XXXX XXXX XXXX 
PLEASE INVESTIGATE XXXX XXXX XXXX, FDIC CERT # XXXX, COLLECTION AND FEE PRACTICES.
Product: Checking or savings account

On XX/XX/2023 I checked my /checking account balance and noticed that {$4700.00} was withdrawn without my knowledge and to a person that I did not know. I notified the Navy credit union about this event and filled out a report with them. They denied my request stating that I was responsible for the withdrawal, and I could appeal their decision, which I did I at that time also notified them of the multiple notices that I had received from other institutions that their system 's had been hacked and my information my information may have been comprised. I did everything that was suggested by the banks personal. I also filed a police report XXXX with the XXXX Police . I was asked when I made the call to the bank to run a virous scan which I did at that time there was no virous found. I took my computer to XXXX to have them check and we ran a history on the computer and found out that the virous protection showed that it found seven virus that were detected and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX 3 times within the last year to try and correct my credit report. Each delivery attempt was verified with return receipts via USPS to them. XXXX  is willfully and recklessly reporting false information. The most recent attempt was received by XXXX in XX/XX/XXXX and they did not respond at all. I have also contacted Experian and XXXX  multiple times within the last year. I have provided valid and accurate information along with a copy of my credit report showing the discrepancies side by side during previous attempts. Please help with correcting the following issues : *Previous address- XXXX XXXX XXXX XXXX XXXX, WA. I have never resided at that address. Delete immediately *XXXX  XXXX XXXX XXXX and Experian report late payment in XXXX. XXXX reports ok but a late payment in XXXX. Payment was not late. Please report as ok. 
*XXXX/XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, Experian reports XX/XX/XXXX, and XXXX  reports XX/XX/XXXX. Account does not have required notice of dispute. Account is lacking contact information. Delete this account immediately. 
XXXX  XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, Experian has removed this account, XXXX   reports XX/XX/XXXX. Account does not have required notice of dispute. The account has been sold without reporting as such. Account still shows a balance and monthly payment. Delete this account immediately. 
XXXX XXXX XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, Experian reports XX/XX/XXXXXXXX XXXX  reports XX/XX/XXXX. Delete this account immediately. 
XXXX XXXX XXXX Date last active is inaccurate. XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX. Delete this account immediately. 

*Inquiries THE FOLLOWING DO NOT SERVE A PERMISSIBLE PURPOSE -XXXX did not extend a firm line of credit. Also no account was established. Please remove immediately. 
-XXXX did not extend a form line of credit. Also no account was established. Please remove immediately.
Product: Mortgage

We have been the recipients of spam and scam letters from the reverse mortgage department of our servicer, Longbridge Financial in XXXX, MI, accusing us of not paying taxes and condo dues and threatening us with foreclosure action. We have asked why. 

On XXXX, we received a letter on plain stationery, not letterhead, from XXXX XXXX XXXXXXXX stating it is the new owner but Longbridge still does the servicing. XXXX XXXX did not list an address but rather a XXXX XXXX XXXX which is another red flag right there. 

On XXXX, we received a letter on Longbridge stationery saying our reverse loan No. XXXX had been assigned to the Default Assistance Department but did not give a reason. We are not in default on anything. 

On XXXX, we received a letter on Longbridge stationery demanding that we send them {$890.00} to repay them for having " advanced '' this sum to pay for our property taxes, condo dues and property insurance. We owe them nothing because we have always directly paid these required fees on time. They threatened foreclosure action if we did not send them this money. 

Also on XXXX, we received from the prolific reverse mortgage department an annual occupancy certificate, threateningly labeled " Important : 1st Notice. '' This was a legitimate request and we returned it confirming our occupancy. 

Longbridge supplies a variety of phone numbers with the XXXX area code but none, in our experience, were answered by human beings except for one which turned to be in the XXXX, and the man who picked up wanted personal financial information which of course we refused to supply. 

Longbridge 's HQ is in New York and its site also lists a phone number unanswered by a human being.
Product: Debt collection

I reviewed my credit report to find this company has been reporting on my file without given the proper procedures according to the FDCPA
Product: Mortgage

To avoid a foreclosure sale, I hired a real estate company and had the home put on the market. There were several offers received from buyers. I signed a contract with the highest offer and submitted it to Mr. Cooper along with a short sale application. Mr. Cooper sent both a real estate agent and an appraiser to evaluate the property. About a month prior, my real estate agent also recommended I order an appraisal of the property. 

Mr. Cooper rejected the buyer 's purchase price and offered a counter offer. The buyer increased their offer by $ XXXX but wouldn't go up any higher based on the current condition of the house. I also submitted my licensed appraisal report to Mr. Cooper, which valued the home at $ XXXX. The buyer was only willing to pay $ XXXX because of the recent underground oil tank spill that caused there to be no hot water in the house. They were concerned about the potential cost of an environmental clean up. Additionally, there are tenants currently in the home that might remain after the closing and have to either be bought out or evicted, which is an additional expense. This was explained to Mr. Cooper and they were asked to reevaluate the value of this property. They rejected the counter from the buyer. 

We asked them to release their appraisal report and BPO that they were using as a means to reject the current contract price and they refused to release either report. I checked my statements and they had charged a fee for the valuation but said they were not obligated to share the reports.
Product: Mortgage

I have been trying to restructure my mortgage for years. Wells Fargo finally approved me with an offer of {$960.00} per month. I accepted their XXXX offer in XXXX 2015. They took their sweet time in sending documents to be signed for the loan modification. In doing so They added another payment to the over due balance. That in turn has jacked up my monthly payment to {$970.00} The greedy XXXX at Wells Fargo are trying to squeeze every dime they can from me.
Product: Credit reporting 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 U.S.C. 1681. 

XXXX XXXX XXXX : account # XXXX, reported balance of {$25000.00}, XXXX XXXX XXXX : account # unknown, reported balance of {$2000.00}, XXXX XXXX XXXX : account # XXXX, reported balance of {$1000.00}, all have violated my rights. 

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 an 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, credit repair services, or other personal consumer reports

I did n't no what option to select from above in regards to my complaint. My issue is with my XXXX XXXX charge account. There was a major mix up with my payments as usually I make my payments with a rep over the phone and I agree to make that month 's payment plus the following month. So in essence I am paying 2 months in advance. To my knowlege I was current and up to date with my monthly payments. However I received a phone call from XXXX XXXX last month and was advised my account was late. I immediately made payment arrangements to catch the account up to date and under the credit line. I have agreed to this and they have received the payments as agreed upon. I asked the rep about my credit report as this account has always been paid on time and my credit is very important to me. I was told to dispute it with the 3 major credit reporting agency 's and they will respond to put the account back into satisfactory accounts. I did as they said and received a letter the other day advising me that it is reporting correctly. I am very upset with this because now this account is reporting in adverse accounts which is affecting my credit score in a very negative way. It is also showing that the account will go to a positive status in the year XXXX. This is not right. I explained that I do not want to pay 2 months in advance anymore as that 's what caused this problem in the first place. XXXX XXXX did not keep to there agreement. I have had this account since XXXX and shop alot at this department store but very upset that they will not advise the XXXX credit reporting agency 's to move this account back to accounts that are satisfactory. I also requested paper statements instead of online banking because after this I do not want this to happen again. The account is current and up to date and below the credit limit. I am submitting this complaint because I was lied to and told that they will respond to move the account back to a positive account on my reports. I have also written a long letter to XXXX XXXX explaining again the whole situation and how this happened.