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

I am submitting this dispute about my XXXX MasterCard credit card. My score just dropped 101 points on my credit report as XXXX  credit card did not do as we agreed. Due to being laid off from work due to corona virus my job has laid me off. I worked out a agreement with XXXX MasterCard that I will make payments as much as I can till I can bring the account current. I was told it would not be reported to the credit reporting agencies due to the natural disaster. Today I checked my credit score with my XXXX card and my score went down by 101 points. I am very upset as I confirmed a few times with XXXX MasterCard when I spoke to them that my credit would not be affected and reported as delinquent but it was.
Product: Credit reporting or other personal consumer reports

I have contacted trans union about this account. They sent a letter twice that this account was removed but it is still reflecting on my credit report.Trans Union reinserted XXXX XXXX XXXX acct. XXXX which is a voilation of the FCRA. Under policy U.S.C 1861i ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( 5 ) ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
Product: Credit reporting

I have previously disputed Bankruptcy and XXXX other judgement on credit report and it has always come back frivolous I am now filing an official complaint through FCRA act XXXX to have them permanently deleted!
Product: Credit reporting or other personal consumer reports

In regards of these attempts to have this inaccuracy corrected, it remains on my report, significantly impacting my financial standing and credibility. Despite providing comprehensive documentation and evidence to support the correction of this late open account, it continues to inaccurately appear on my credit report. This persistent error undermines my financial reputation and hinders my ability to access credit and secure favorable financial terms. This situation has caused me considerable stress, inconvenience, and potential financial harm. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why this late open account persists on my credit report despite numerous requests for correction. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. I urge you to prioritize this matter and take all necessary measures to ensure the prompt correction of the late open account on my credit report. Please help me correct the late open account in my credit file immediately : JXXXX XXXX Date Opened : XX/XX/2023 XXXX Balance : {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting that any information on my credit report be verified by the collection agency that has placed the collection on my credit report. 
This collection of {$760.00} has been on my report through a collection agency name XXXX. I sent request to all XXXX bureaus, and it was removed because it was not verified. Now 2 years later, A new collection agency XXXX XXXX XXXX  has put this collection on my credit report. I have written all XXXX credit bureaus again XXXX removed it, but Transunion and XXXX have not removed it. I informed them that any automated response, or e-oscar verification is unacceptable. 
I have requested that they provide me with the description of the procedure used to determine the accuracy and completeness of the information is hereby requested Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. They have not complied with the request.
Product: Checking or savings account

In the month of XXXX I checked my account on line and 2 unauthorized checks was cashed. I contacted Wells Fargo fraud department and report my check book stolen and filed a dispute for the amount of the 2 checks with Wells Fargo. Wells Fargo did a investigation and was unwilling to assist in helping the matter. stated me to contact whereto checks was cashed which was XXXX  XXXX XXXX. XXXX   XXXX XXXX instructed me to contact Wells Fargo because the money was insured with Wells Fargo and that is the bank that I'm with.
Product: Debt collection

After reviewing a copy of my credit report and I realize that as a consumer Caine & Weiner are violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me and my FTC report.
Product: Mortgage

On XX/XX/XXXX an annual escrow analysis was completed on our mortgage loan effective for XX/XX/XXXX payment. We noticed on this analysis that the insurance amount that was being collected/projected on this analysis was for the incorrect amount of {$2600.00} for lender placed insurance. We then reached out to our servicer and notified them that we have homeowners insurance and that our premium should be much lower. Once the servicer noticed this error we sent over the Declaration page to have the insurance updated and corrected with the lower premium amount of {$1000.00}. We were informed that the loan would then be re-analyzed ( this replaces the analysis with a corrected analysis ). The loan was analyzed on XX/XX/XXXX for the effective date of XX/XX/XXXX. The servicer stated that the reason this was done was because the payment due ( XX/XX/XXXX ) was coming up in a few days. We were then told that we have to pay the higher mortgage payment ( which is {$500.00} higher ) for XXXX and that our payment would just decrease for our effective payment of XX/XX/XXXX. That does not make sense considering that our payment is going down and we are due for XX/XX/XXXX and the incorrect analysis that was completed was effective XX/XX/XXXX. We have called several times and no one is willing to help or acknowledge that the loan needs to be analyzed again.
Product: Mortgage

I applied for to refinance my mortgage with Wells Fargo Home Mortgage on XX/XX/2020. The home is currently financed by Wells Fargo Home Mortgage. Over the next month, all the required documentation was sent in. On XX/XX/XXXX, I was notified by XXXX XXXX ( NMLS # XXXX ) that my loan was moved in the next level of review and the current time frames are 15 business days. I checked back with Ms. XXXX and the loan officer, XXXX XXXX XXXX ( NMLS # XXXX ) on XX/XX/XXXX. Ms. XXXX gave me a call on XX/XX/XXXX and all she could tell me was the loan was still in review for insurance. I explained to her that WFHM currrently has the mortgage and said insurance was/is acceptable. She said she could not explain why or what they were reviewing and only that the file was in still in review. I heard nothing from anyone after that phone call. I emailed again on XX/XX/XXXX to Ms. XXXX and Mr. XXXX with no response. Ms. XXXX 's auto-reply email had her supervisor, XXXX XXXX ( NMLS # XXXX ), name and email address on the response so I sent him a direct email on XX/XX/XXXX. Mr. XXXX did not and still has not responded. I sent an email to his supervisor, XXXX XXXX, on XX/XX/XXXX. His email stated he was out of the office returning on XX/XX/XXXX. I waited on the XXXX and no response. I then on XX/XX/XXXX, forwarded the message to Mr. XXXX 's supervisor, XXXX XXXX XXXX, while copying all of the subordinates aforementioned. Still no one from Wells Fargo Home Mortgage has responded to me with a status update or why it is taking them 60 days to review insurance they already have on an existing mortgage. I went to the Loan Status tracker to try to find a different way to escalate and found one other email contact for Mr. XXXX XXXX XXXX. I sent Mr. XXXX an email too on XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I contacted An XXXX claim specialist who stated this situation doesnt qualify as a claim they said I had three days to file a complaint with them, I submitted documents as requested and I still havent heard anything -I submitted a power of attorney document -a screenshot of when I closed my mothers account with XXXX because my mother was deceased. 
They continue to withdraw money from her account and shes deceased, which is a Financial crime.
Product: Credit reporting or other personal consumer reports

Inquires that were not mine. 

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

My Credit Profiles indicates XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX  and XXXX, all Debt Collection Companies, placed collections on my Credit Reports. However, I did not provide any written consent at all, not to mention the inaccuracy in the first place. I disputed through all three credit reporting agencies ( XXXX, XXXX, and Transunion ) and the response came back confirmed. This is impossible because I have no knowledge of these accounts. Unfortunately, I have been a victim of numerous data breaches, credit companies included. According to the Fair Credit Reporting Act ( FCRA ), the consumer must receive notification of debt and an opportunity to dispute the debt before being added to any credit profile I never received it because it is false. Additionally, I did not give explicit or written consent to any of the above mention companies and for that matter, neither have I have heard of nor ever conducted any business with them. Furthermore, through the Consumer Financial Protection Bureau, these business matters have not been resolved ; Additionally, under 15 US Code 1681b - Permissible purposes, this is to be considered as identity theft. As a result of these inaccuracies my credit score has been deeply impacted making me seem as if I am not credible. I am uncertain why these companies are attempting to collect this erroneous debt. Kindly delete the collection account from all three credit bureaus ( XXXX, XXXX, and TransUnion ). 
Please remove these inaccuracies from all three credit bureaus immediately. second and third party credit reporting agencies are owned by all three credit reporting agencies. I feel this is why I am not getting any results, because they are asking themselves if I am me. This is totally unfair and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my card and purchased items at a store location fraudulently. I was never notified regarding the account until I was applying for credit and another lender told me that I had late payments and the account was being charged off. I contacted the company and filed a fraud claim. They finally, after a year of me following up with the company, they admitted the charges were fraudulent and were suppose to remove all late payment reporting and charge off reporting. I am applying for a new home only to find that the information is reporting on my credit report again. The company has all the documentation regarding their investigation and results.
Product: Money transfer, virtual currency, or money service

I was approached by a woman online after applying for remote jobs XXXX XXXX and she explained they are hiring staff for data optimization that included doing tasks and getting commission using the platform XXXX. 
Under the scammers instructions, I made transactions through XXXX called XXXX and XXXX XXXX  in the total amount of XXXX USD. 
They refused to let me withdraw my funds saying I would have to complete more tasks which once again consisted of sending crypto For more information, please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I not to long ago checked my credit reports. All three reports showed there were several missed payments. This is incorrect and inaccurate. My Capital One Card has never been paid late. I have tried to get this issue resolved but have not been able to get any assistance from the representatives. No one has been able to explain to me how errors of this magnitude were able to placed on my reports. It seems they are not willing to help in any way. This issue has been very stressful and is causing me to not be able to get new credit. Not only that, but also preventing me from being able to get approved for a higher credit limit. I have been stagnated with a {$300.00} credit limit even though I have made all of my payments on time. Yet I receive several offers from Capital One for a Auto Loan of upwards of {$5000.00}. This is an error on the part of Capital One or the Credit Reporting Bureaus. I would like this issue to be resolved and deleted from my reports. So that I can continue on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

For account XXXX/XXXX XXXX that is reporting on my credit report I have sent multiple letters to Transunion  , XXXX  , and XXXX  to investigate the inaccurate reporting and they send me letters back stating that the account is reporting 100 % accurately and that it has been verified ... .how is this even possible when there are still multiple violations on the reporting of this account. for one they never even added a comment stating that this account is under dispute, as stated by the law ... .... 2nd look at the 2 year payment history all 3 bureaus are all over the place in the reporting and different. they are all reporting a different date of last active and date of last payment. the credit limits are reported different, the high credit are different, the comments are all different. How can they even pretend that they investigated this account when all of these violations are are still reporting they never investigated this account is the answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified all 3 credit bureaus that they were reporting erroneous information on my credit reports and that I had notified the companies that there were unauthorized accounts listed in my reports.
Product: Debt collection

I do not have any credit cards with this company, they are calling 4-6 times a day from numerous phone numbers in XXXX, KY ( XXXX is one of the numbers. I have told them several times to remove the phone number from whoever 's account it is but they continue to call, they tell me they have removed it and the start calling back the following week. This number needs to be removed FOR GOOD and no further calls should be coming to this number XXXX.
Product: Debt collection

Credence Resort Manager Open XX/XX/year> XXXX $ I have no knowledge of this company. I have never heard of this company before. They dont have anything with my signature on file. The name and address listed on the contract is incorrect.
Product: Credit reporting or other personal consumer reports

Experian closed another complaint without addressing the issue but reverted back to the long form computer generated response which is Experian standard stall tactic
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit profile is showing address 's that do not belong to me or that I am not associated with.
Product: Debt collection

In XXXX I contacted National Credit Systems , Inc . I explained to them that my information was incorrect and that I had already taken care of this through the original client. It seems that they had the incorrect information regarding my insurance. I was on XXXX XXXX and XXXX at the time services were rendered. I also asked for original documents to be sent to me regarding this matter. I was told they would be mailed out and I was told they would give me a call back after investigating. I have yet to receive the documents and I have yet to receive a call back! 
I contacted National Credit Systems again today XXXX regarding this matter once again only to be told that the will send me an itemized bill of the charges. 
Well I should have been sent that before this was ever placed on my credit! I should have received that when I called two months ago and requested it! 
I am needing the company to delete this ASAP.
Product: Checking or savings account

I am writing to seek clarification on our business 's recent experience with check holds. XXXX XXXX painters has been a valued client of Chase for over XXXX years, during which time we have maintained a consistent and positive banking relationship. 

Recently, we noticed a deviation from our usual banking transactions, specifically in the case of check processing. Historically, checks received from XXXX XXXX have been promptly cleared without any holds in the amount of {$23000.00} on XX/XX/23. While we understand and appreciate the importance of security measures to prevent fraud and ensure the integrity of financial transactions, we would like to gain a better understanding of the factors contributing to this recent change. 

As a women-owned business, prompt access to funds is crucial for maintaining our operations and meeting financial commitments. Our experience over the past XXXX years has demonstrated the reliability and trustworthiness of our transactions, particularly with XXXX XXXX. Consequently, we seek clarity on the specific reasons for the recent holds on checks from this longstanding and trusted business partner. 

We are committed to ensuring the highest standards of financial security and understand the necessity of prudent banking practices. If there are any additional steps we can take or information we can provide to expedite the processing of checks without compromising the security of our accounts, we would be more than willing to cooperate. 

Your prompt attention to this matter is highly appreciated, and we look forward to your guidance on how we can collaboratively address this situation. 

Thank you for your understanding and assistance. 

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

i spoke with Equifax representitives multiple times explaining that there was a hard inquiry that i at no point requested or authorized by the company XXXX. i was finally sent to the fraud department in which i was told they would be able to remove the inquiry. looking back into my acount on the XXXX all i had was a fraud alert which i did not request and the hard inquiry was still reporting. i called once again and was told there was nothing they could do and to file this complaint. again at no point did i request my information to be furnished for any account once so ever with XXXX ive only recently noticed this account because i am looking into getting a few lines of credit and this is damaging my ability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent mail to the credit bureaus to remove all negative accounts from my credit report. But, they are not removing them. Please remove all negative accounts from my credit report.
Product: Mortgage

I went under contract for a home with Hometown Equity Mortgage , LLC dba the lender XX/XX/XXXX where I received a loan estimate for a {$290000.00} home at a 6.75 % interest rate including all closing costs rolled into the loan and down payment assistance with a prospective close date of XX/XX/XXXX. Due to a delay for an appraisal, we had to extend the contract until XX/XX/XXXX. I then received a loan estimate on XX/XX/XXXX of a 6.5 % interest rate with closings costs of {$22000.00} and down payment assistance. Apparently this occurred because the loan officer XXXX XXXX did not lock in my rate, for this she was supposedly fired but the lender still couldnt help me. Being that was not offered and closing day was near, my realtor and broker offered concessions to still obtain the deal. By XX/XX/XXXX, I was now receiving an estimate with a 6.25 % interest rate {$30000.00} in closing costs and excluding down payment assistance. I was told that I no longer qualified for down payment assistance and they do not know why nor am I allowed to use my earnest money or the offered concessions towards my down payment. I received 4 loan estimates all increasing every time I received a new one, although, I was finding solutions the lender continued to change the answers and/or reasonings every 2-3 business days asking for more money. It is now XX/XX/XXXX and we have extended the closing date two times for me to receive the answer that I must come up with 3.5 % of my loan excluding my earnest money and {$1300.00} that was spent for an appraisal. Behind that my lease expired XXXX, I am now XXXX XXXX and lost all of my fundings towards my house.
Product: Debt collection

Recently robocalls sent to my relatives and mentioned legal action, saying there were two complaints : that I attempted to defraud a bank and unpaid pay day loan in 2015. I called the numbers and they listed addresses I've rented at but I've lived in my current residence 7 years in another state. They knew my birthdate, as well as former job, which can all be found online. Mentioned that I've never gotten a certified letter and all my other forwarded mail reached me no problem. No clue what they're talking about and he backed down when I said since they have my current address they could send a certified letter there and I'd have my lawyer take a look. 
XXXX, XXXX were the two numbers they gave to my relatives. 
My social security was leaked during a data breach from XXXX a few years ago so I'm thinking that's where they may have been able to get so much information.