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

Experian, XXXX  and XXXX are reporting incorrect information regarding the following dispute : 1 ) Bankruptcy ( XXXX ) failed to report the correct claim and liability amount. See attached report from Experian. 

2 ) XXXX XXXX ( XXXX ) failed to report the correct balance and has never been late 3 ) All of the XXXX/XXXX XXXX ACCOUNT was paid in full and never late.
Product: Credit card

I opened the new Citi XXXX XXXX XXXX with a sign up bonus of XXXX XXXX Points for spending XXXX USD within 3 months of account opening. 

My card arrived around 2 weeks after opening the account, I could spend around XXXX USD within the first week after I received the card. My credit limit is more than twice the welcome bonus, so it covers all my transaction. However I experienced multiple times a declined transaction. So far a total of around XXXX USD in my transaction made and authorized by me was declined by the issuing Citibank. 

Right know my card is completely locked against my will by Citibank due to " security '' concerns. I called in multiple times and authorized me successfully multiple times by several different types of identification. I total I already spend over 30 hours in the hotline because my card was declined XXXX to " security '' reasons. For all the declined transactions I could use a different credit card from a different bank without any issues.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the failure of a credit bureau to properly reinvestigate and remove an incorrect late payment from my credit report. This late payment is associated with my XXXX XXXX account. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

Despite my request, made under 15 USC 1666 ( b ) and 15 USC 1681s-2 ( a ) ( 2 ) ( A ) ( i ), the credit bureau has not complied with its legal obligations to reinvestigate and correct this inaccurate information. This failure has caused significant harm to my credit score and financial well-being. 

I kindly request that the CFPB take immediate action to ensure that the credit bureau adheres to its responsibilities under the Fair Credit Reporting Act ( FCRA ) and promptly removes the erroneous late payment from my credit report. 

Thank you for your assistance in resolving this matter. 

Sincerely, Regards/Sincerely, Name : 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 card

There was an issue with my payment account so the payment was returned. I have corrected it but the credit card company still charged a returned payment fee. The fee was charged multiple times and increased with each attempt it tried to withdraw money from my account e.g. {$25.00}, {$30.00}. I contacted them but they only removed the {$25.00} fee. 

The credit card is provided by Elan Financial Service.
Product: Checking or savings account

Two chase account almost a two months One account smart checking I have debit card they send last week and I never activate this card because I have serious identity theft Some one as XXXX XXXX  name person found XXXX and XXXX XXXX both we dont now but they activated my card and purchase my debit card XXXX XXXX  3 order in between I call fraud reporting chase Ill hang up phone and more XXXX XXXX  They use my debit card I didnt activated because if I activated next few hours hackers see and purchase as same thing he activated my debit card and order XXXX XXXX  and delivers XXXX XXXX . 
I want to chase all information who activated my debit card send me because my case is reported to police and FBI And today Ill be reported Illinois attorney general because to much fraud in my name they used and my debit card without my authorization they activated and purchase Ill be need all my fraud charge back as requested to chase
Product: Mortgage

My loan was recently Sold from XXXX XXXX to Shellpoint/New Rez loan servicing company. Sale date was XX/XX/2023. My forbearance plan was set to expire XX/XX/2023 with XXXX XXXX without an extension. However I attempted to request an extension with XXXX XXXX loss mitigation department prior to the transfer of the loan. Due to the incompetence of their customer service rep I was told to call in again after XX/XX/2023 to request an extension. Exactly on XX/XX/2023 I called XXXX XXXX they informed me my loan was sold to Shellpoint/New Rez. Up until the date of XX/XX/2023 XXXX XXXX did not QRPC according to XXXX XXXX servicing guideline with me regarding the ending of the forbearance. 

At this moment my extension for my disaster forbearance is unresolved and is marked as " expired '' at the time it was sold to my new servicer. Shellpoint/new rez as of this date has not responded with a resolution this issue, Or even attempted QRPC according to XXXX XXXX Servicing guideline for any workout solution. They are putting me in a normal delinquent status with no regard to my previous forbearance plan. 
As of today Im only 6-7 months into my Disaster Forbearance Delinquency I still allowed complete up to 12 months. My current inability to extend my disaster forbearance of my loan is due to incompetence of my previous servicer and inaction taken by my current servicer.
Product: Debt collection

EQUIANT FINANCIAL SVCS XXXX - This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax breach US DEPARTMENT OF EDUCATION popped up after data breach without my consent of applying for anything.
Product: Credit reporting

I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by XXXX. I tried to purchase a XXXX bureau credit score by XXXX but instead they send me a copy of my credit report which I already have from the mortgage company. XXXX has a policy that if you purchase a one time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither XXXX nor Transunion scores are available. I would be able to get a better rate if those other scores were available. We tried XXXX ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX!! 
The agent at Transunion said he can see my score. But when I tried Transunion.com, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON TRANSUNION.COM to purchase such a score for such a price. To date I am still unable to get my scores
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several inquiries however they keep coming back as verified or have received letters informing me that they commend me for my efforts with trying to clean up my credit however I needed to call them and then they add additional supplemental information to my reports and state they are verified. Information gets taken off then 2 months later the same information returns more-so from Transunion. 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 681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : 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, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 antedates item of information, other than records of convictions of crimes which antedates the 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 USC 1681s-2 ( A ) ( 1 ) A person shall not 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, My name is XXXX XXXX, please contact Experian credit reporting agency on my behalf. 

I contacted a representative from the fraud department to correct my personal information and reported my privacy has been violated. 
XXXX XXXX is my name. I should have only my ( 1 ) Name and ( 1 ) address on my credit report to verify my personal identity.

I do not use or not know by other names or addresses to verify my personal identity. 

Over " 18 " hard inquiries conducted without my authorization. I need to emphasize numerous inquiries with out permissible cause with the same financial institution certianly are red flags and should have been immediately addressed and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Adverse action need to be taken to correct the errors on my credit report. The credit reporting agencies have been exposed for violating Federal Laws to protect customers rights. In addition, the banking system and financial institutions should accurately and fairly protect consumers privacy and rights.

I did not authorize in writing or digital form permissible cause to share or inquire my personal information. 

Thank you in advance for your assistance and considering my requests. I will govern myself accordingly. 
Sincerely, - XXXX XXXX
Product: Mortgage

XX/XX/22 refinanced our home with NewDay mortgage. Loan number XXXX. 
I was under the impression- no points were to be charged??? but alas they charged us 2 % Points=XXXX dollars. 

2nd. Home inspector did not tell us we had mold, water standing in our crawl space under the house when they inspected. I am aa XXXX vet- I can not crawl under the house. 
Please, we are XXXX yrs. old we're too trusting-need help. 
Thank you. 
XXXX XXXX
Product: Debt collection

I never received notification, and no way the amount owed is accurate nor did I have have business with this company NCC. Please help
Product: Debt collection

In 2006 I bought a new XXXX XXXX pickup. The " seller and I the buyer '', signed an agreement, that stated, that if at anytime there are " any changes '' to the contract, that it " would only be inforceaible only if both parties. signed it. As per our agreement, we assigned the contract, to WFS Financial, the lender, in accordance to the conditions of the contract with the agreement that WFS FINANCIAL would adhere to all the conditions of our contract. WFS Financial, failed to adhere to the conditions of our contract, which by the contract, conditions, made the contract non- inforceaible which made the contract, void. Then WFS Financial, was purchased by Wachovia Bank, without any " contract with me '' then Wells Fargo Bank, aquired Wachovia Bank, and nobody had any legal contract with me. In contracts, when XXXX  of the parties, breaches any of the conditions in the contract, the other party, is no longer liable for any of the contract conditions in the voided contract, the buyer no longer owes anything and the lender '' no longer has any lien rights, in the voided contract. Wells Fargo Bank, after about 15 years of forcibly taking my property the pickup, Wells Fargo Bank only paid me " half '' of the value of the wrongfully taken property. Wells Fargo Bank, had no contract. Wells Fargo Bank, only has paid, half of the amount I paid for the property and Wells Fargo Bank does not even consider paying for all the years I have suffered, because of Wells Fargo Banktaking of property that had, no legal lien on and now they refuse to pay anything because of the taking of property that they had " no right to take '' ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted WELLS FARGO & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

WELLS FARGO XXXX
Product: Mortgage

The change date for the interest is XX/XX/XXXX every year the Shell point has sent a letter stating the change is XX/XX/year>. Shellpoint has changed the date to beat the federal reserves rate cuts. 

Shellpoint has failed to provide a new amortization schedule. The payment was reduced when the interest rate increased makes no sense. The mortgage loan number is XXXX.
Product: Mortgage

Loan # XXXX I recently got a mortgage through Truist and since closing, the process has been nothing short of a nightmare. I attempted to setup online access to manage my mortgage but the bank locked my loan account and forced me to go to branch and meet with a banker to setup an online account, so I wasn't able to setup the account myself or properly enter my information and build my personal profile and contact info. I had to call the bank numerous times and spent hours on the phone trying to get the hold on my loan number lifted so I can setup my online access but started to realize that their support operations are nothing short of a joke and their information systems are poorly designed and works very well against customers instead of making their life easier. After going to a branch and setting up the account, I was finally able to login to my account where I was surprised with a ton of wrong information on file related to me and my mortgage. For starters the bank had the wrong homeowners insurance policy information on file and so I had to get on the phone again and waste another hour to get that fixed and after uploading the proper policy documents, I still see the wrong policy information on my online banking. Another issue I ran into is that my physical address under my personal information has a typo that the bank made not me, and when I called to get that fixed no one offered to help and simply asked me to go to the branch to get the bank 's mistake fixed because of the some XXXX  reason about not being able to verify my phone number even though I provided the useless agent helping me with two phone numbers that the bank has on file and he confirmed that the two numbers are listed on file so not sure why he didn't want to help and fix the bank 's error. If this is how the bank treats customers that just borrowed XXXX of XXXX  of dollars, then I am surely in for a rough XXXX  year relationship and already regret going with Truist as a mortgage lender.
Product: Credit card or prepaid card

Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards. 

With XXXX, Macys, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered multiple inaccuracies in the reporting of my accounts. Some accounts are showing incorrect past-due balances, payments that were made but not reflected, and errors in account status. These inaccuracies are significantly affecting my credit score and financial opportunities. I have not received any notification or explanation for these discrepancies.

I am requesting a formal investigation under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of these reports. If the disputed accounts can not be fully verified with documented proof, they must be corrected or removed from my credit file immediately. I also request a written confirmation of the results of this investigation within the legally required timeframe.
Product: Debt collection

I have called several times over the past 2 years to get information from the National Credit Systems in XXXX GA who claim they are collecting a debt from an old apartment complex where I lived over 5 years ago. When I moved I did n't owe the company any money now this collection was just placed on my credit with any rights to validate or dispute I have sent several cease and desist letters and they have refused to respond or take the item off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XXXX XXXX to Experian, XXXX, and XXXX. 

Here are the following tracking numbers : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

Will not give me my money or close my account. Citi bank is the worst.
Product: Credit card

This is the second correspondence from the XXXX XXXX XXXX XXXX, who are " pirating '' my home address and business name ( which is actually based in XXXX  ) to apply for credit cards, etc. I would like a full audit, investigation and arrest of this couple under Federal Trade Commission / Uniform Commercial Code guidelines.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX - Requested on XX/XX/23 XXXX XXXX XXXX Requested on XX/XX/23 XXXX XXXX XXXX - Requested on XX/XX/23 XXXX Requested on XXXX XXXX XXXX Requested On XXXX XXXX XXXX XXXX Requested on XX/XX/2XXXX XXXX XXXX Requested On XXXX XXXX XXXXk requested on XX/XX/23 XXXX XXXX  Requested on XX/XX/23 XXXX XXXX  Requested on XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 

1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft