23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the account immediately : XXXX XXXX XXXX Balance : {$260.00}.
Product: Mortgage

I got out of bankruptcy and this bank got my home loan - SN servicing - from the start they stated I owed a balance so I had to pay a higher amount for about 8 months ( I have the paperwork ) but for some reason the amount kept changing g and I was doing anything I can to keep my house. I can provide XXXX records showing my XXXX health was not good and I was u see duress when I signed their papers as I was still thinking my payment would go back to {$1700.00} as before.finally last month I was I formed {$2600.00} is my permanent payment & they are u willing to lessen it. On paper they said I can afford it but I CANT AFFORD IT!!! I been trying desperately but with them raising my payments so high Im unable to pay all my utilities & monthly living expenses. I do t think its fair as I have owned this house for 20 years now and I have never paid this much before. My payments were {$1700.00} and there no reason they should raise my payment t by {$1000.00} per month. They are completely unwilling to help the only time they want to help is when they claim they are helping you as they try getting more money. This company already has lawsuits & they knew my XXXX health wasnt well so they took advantage of me by using my fear, XXXX XXXX XXXXXXXX against me and that is not ok. My XXXX health is at an extreme low and this company has lead me down one dark path!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX  SERVICES XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX SERVICE XXXX XXXX XXXX XXXX SERVICE XXXX XXXX LOAN SERVICING XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

On my mortgage with US Bank Home Mortgage ( XXXX ) there is a late payment reflecting that should have never been late. This account was not late in XXXX 2015. I have confirmed with the bank and received correction letters claiming error. Please see my first claim to cfpb # XXXX for XXXX late error and this new claim is for XXXX. I have worked very hard to maintain my credit and this has damaged my credit and the ability to move ahead with refinancing. These months were never late and to have them show as such is incorrect.
Product: Mortgage

Upon the federal governments announcement of the ability to freeze my mortgage payments a few months into the Covid-19 pandemic, that is exactly what I did. I had recently returned to the country out of fear of being stuck XXXX without possibility of acquiring a new XXXX. I froze my mortgage payments because of the complete lockdown we were facing. As it turns out, its incredibly difficult to find a job when all businesses are forcibly closed by government mandate. I requested to exit my forbearance plan in XXXX XXXX XXXX. Roughly 5 months after my initial request, my loan was packed with approximately XXXX other VA loans and sold to XXXX XXXX. I was told my process wouldn't be affected and would be completed within 30 days. A full year later a representative from XXXX XXXX informed that nearly all of my documents that had been submitted had expired. Every document they have requested from me has been provided to them with 1 work weeks time. I routinely have waited 2-3 months to receive any information from them regarding my loan. XXXX XXXX serviced by XXXX, has failed to properly retain the documents I have submitted to them, failed to correspond with me regarding my loan in any form of timely manner, and at face value appears to be delaying this process as much as possible in order to prevent me from receiving the VA loan modification I had originally applied for. Their gross incompetence and general disrespect for me as a consumer has me searching for legal help in order to hold them responsible for their actions.
Product: Bank account or service

i went to bank of America and was not treated with dig nity and respect. I did n't get anything resolved, and as I was talking to the representive and when another rep presentive came up and stated that her XXXX app ointment was there and it was though I did n't matter. 
As a consumer customer or client of bank of America I did n't matter. I was put off as though her appointmen t was more then I was and at that point I left bank of America without my issue resolved or answered. 
plus money was token out of my account and that I was being charged for over draft protection and XXXX hen I was told that my over draft protection would be free and that my monthly withdraw out of my checking account into my savings of which had been changed from out of my savings, into my checking. when that was n't my agreement of my contract.
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX to buy a car, the agent asked if they could run my credit to see if I qualified for a loan. That agent went on to multiple banks and pullled the credit report and that I did not approve I was concerned that it would impact my credit scores. As it turned out it did impact my score. We ended not buying the the vehicle from them. 
About a week or two we went to XXXX XXXX XXXX looked we were interested and they ran my credit report and they also contacted several banks to get me financing I was not aware that they also used multiple lenders. I finally got approval from XXXX XXXX XXXX XXXX and bought the vehicle. 

My bank XXXX XXXX XXXX XXXX sent me notice that my credit score was lowered this week and I contacted Trans union they recommended that I start a case with your company so I can get a copy from your company and forward it to all three credit bureaus. 

Please contact me asap sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for several months to correct this matter with XXXX XXXX to no avail. XXXX XXXX reports two loan accounts on my EQUIFAX report with nearly the same balance. These are duplicate accounts and one of them should be removed from my Equifax report. 

This uncorrected errors presents a hardship to me because it shows that my overall debt is significantly more than what it is. I have tried reaching out to XXXX XXXX directly for at least 4 times. This has been going on for at least 5 months, but I am told the matter will be corrected in 30 days, but it not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the collection of XXXX CREDIT ... once investigation was completed the account was deleted XX/XX/XXXX ... ..but account is still reporting on my credit because THEY HAVE REINSERTED IT I am attaching the confirmation letter ... FCRA states I would have to b notified by credit reporting agency before reinstating an acct THEY DID NOT DO THAT AND ARE IN VIOLATION OF THE LAW
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am reaching out to follow up on the complaints I submitted to your attention regarding discrepancies on my credit report. As of today, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I am eager to inquire about the current status and any progress made in addressing the issues outlined in my previous correspondence. Below are the specific items that I am requesting to be removed from my credit file : XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX XXXX XXXX XXXX : {$66.00} XXXX  XXXX Balance Owed : {$240.00} XXXX  XXXX XXXX Balance XXXX XXXX {$91.00} XXXX  XXXX XXXX Balance Owed XXXX {$130.00} XXXX  XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

Tried to consign a student loan for my daughter on  XXXX / XXXX /  XXXX   at  XXXX  and I was denied due to   XXXX   Report which said my SS was deceased.       XXXX   informed me t hat Citizens bank is the lender who said I was decided. Spoke to several representatives at citizens bank and it will not be repaired much sooner than 30days. A grievance was filed by the bank employee. This dealing w citizens bank  occurred on  XXXX / XXXX /  XXXX  . I am the only ci- borrower who can coding my daughters loan and there is a  XXXX  dollar late fee!! Tuition was due upon remittance which is now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

My coworker advised that a rep called in to my job. She asked her to verify information about me and she advised that the information was not her information. The rep continued with the call and asked her to pay XXXX that is owed in student loans. My co-worker then hung up the phone. The rep called back and the coworker picked up then hung up. She then called back again from a different number and was advised that I was at break. She then requested to speak to a supervisor. I feel that this is a FDCPA violation, because she verified with someone other than me and once she was hung up on she continued to call back not once but twice. Now they are harassing me and my coworkers making threats to them. I work at XXXX and out of all the XXXX in the USA they happen to know which XXXX I 'm employed at. The name of school in which I attended was XXXX XXXX XXXX XXXX, NC.
Product: Prepaid card

I have had no access to my money on my card for 3 days since they tried to upgrade, I have spent several hours on hold, with no resolution. They have sent out several social media messages saying the problem is fixed, or saying it will be fixed and as of this moment I still can not access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage loan and my credit report showed a charge off for an amount that was included in the bankruptcy I filed in XX/XX/2008. Bank of America reported the amount which was included in the bankruptcy. This adversely effected my credit score and I was denied the loan. Bank of America is reporting this false information to all the credit agencies and it is causing my credit score to drop significantly.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts to remove fraudulent items from my credit report. Despite numerous efforts and diligent follow-up, the inaccuracies persist, posing a severe threat to my financial well-being and personal security. 

I initially reported instances of fraud previously, providing comprehensive documentation, including affidavits, police reports, and other necessary information. Since then, I have consistently followed your prescribed dispute resolution procedures, yet the fraudulent entries continue to mar my credit history. 

I have fulfilled all requirements, adhered to the appropriate dispute procedures, and communicated extensively with your representatives. However, the resolution of these fraudulent entries has not been achieved despite multiple attempts. 

I demand an immediate and thorough investigation into these matters. I expect the prompt removal of all fraudulent items from my credit report and a comprehensive update reflecting accurate and verified information. Additionally, I request a detailed written explanation for the persistent presence of these fraudulent entries and the measures being taken to prevent their recurrence. 

These fraudulent items not only compromise my creditworthiness but also expose me to potential financial and identity-related risks. I trust that XXXX Credit Bureaus takes these concerns seriously and is committed to upholding the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX  XXXX XXXX Balance : {XXXX} XXXX XXXXXXXX Balance : {XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {XXXX} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} XXXX XXXXXXXX Balance : {XXXX} XXXX XX/XX/2022 XXXX  XXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {$0.00}.
Product: Debt collection

This dispute is in response to a debt that was being collected on a secured credit card. The secured credit card was funded by my personal FRN 's. Please take notice that on XX/XX/2023 NFCU stole the money from my tax refund in order to " settle '' the debt that was already settled from the moment of account creation. Aside from NFCU stealing the money, in which i did not give authorization. They broke the law ( 15 USC 1666h ). This law states that " A card issuer may not take ANY action to offset a cardholders indebtedness arising in connection with a consumer credit transaction. '' Also in accordance with the TILA, cash and credit can not be used in a consumer credit plan, which makes the original contract null and void from the beginning due to it being fraudulent and misleading. It is a FACT that I utilized FRNS from my account to fund this account thus making it a prepaid card and not a credit card. 

You have no authorization to furnish to my consumer report with income, which by IRS definition a charged off account is INCOME and i still have yet to receive a 1099C in order to claim this as income on my report SO, in total I have 3 violations. Which may lead to litigation if I am not refunded the {$260.00}. XXXX that was stolen from my tax refund. 

Please also take notice all correspondence will be sent to the US attorney General, All 3 credit bureaus, state attorney General, FTC, and IRS criminal investigations dept.
Product: Mortgage

I am in fear of losing my home. Wells Fargo has dragged me out in trying to to get assistance for now my primary resident home. In XXXX, the home was vacant, and unable to rent and dealing with squatters. My daughter and her sons moved in to help me save the home. Wells declined my request for a more more reasonable payments and instead we paid an additional {$600.00} a month to get the loan current. After the 6 months, payment was increased again. 
We managed to keep making the payment but it was difficult. My daughters work filed BK and she lost her job. XXXX XXXX, I did the ALL the necessary paper work for XXXX and again Wells denied my request. My daughter obtained new employment but with less pay. XXXX XXXX, I moved in with my daughter and reached out to XXXX to help us. Again did the XXXX and at this time we 're finding impossible with the lower income and child care. We are unable to make payments that are now {$600.00} more than when family decided to move into this home. Children are locked into schools and activities here, we do n't want to lose our home or have to relocate. 
What frustrated us more is the fact Wells has dragged their decision on for so long that by time they decided we will not be able to catch up as in the past. I was told they would have a decision by XXXX then XXXX. I made a joke to XXXX saying do you think by the XXXX then XXXX NOW maybe XXXX. Our lives have been in turmoil not knowing what direction we are going. My family has had enough upset, we do n't need anymore. I feel that because my daughter and I are XXXX single woman with XXXX children that we are not getting help. I was told by XXXX lender it helps to have a mans income to qualify. I am hoping this is n't true. 
We can afford this house, there is no reason why Wells Fargo can not help us. Wells Fargo has been have been very difficult to work with. We have been trying to get a resolution since early XXXX. We would greatly appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This not a DUPLICATE report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below 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 a account without my written instructions. Account Name : U S DEPT OF EDXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # XXXX
Product: Money transfer, virtual currency, or money service

I'm falling a complaint against cash app block. Ink due to inadequate customer service unfair practice which violate the consumer finance protection act the the CFPA, specifically cash app failed to take timely and effective measure to prevent an address fraud on their platform leaving me in my account vulnerable and unprotected.
Product: Credit reporting or other personal consumer reports

This involves XXXX companies that made hard inquiries. XX/XX/2023 and XX/XX/2023 by XXXX XXXX XXXX. XX/XX/2023 by XXXX XXXX XXXX and GLOBAL LENDING SERVICES LLC. XXXX other company XXXX in XXXX XXXX XXXX have removed their inquiry? 

I noticed these back in XXXX but now realized my account was sent to the XXXX XXXX XXXX XXXX agency on XX/XX/2023 by XXXX XXXX XXXX AND XXXX in XXXX, XXXX for XXXX. I also have another one through XXXX XXXX for XXXX on XXXX XXXX from XXXX, XXXX 

Someone living in XXXX XXXX, XXXX or working with XXXX XXXX XXXX XXXX have my information. Their emails could be XXXX or XXXX. Their phone numbers could be any of these : XXXX ; XXXX ; XXXX ; XXXX. 

I called each of the XXXX companies at the top of this message. No good information was given or either I couldn't contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a debt to my credit report that has nothing to do with me. I have never visited a XXXX in XXXX Florida so there for this debt is not mine. The debt is for XXXX dollars. this debt has drastically lowered my credit score and it is causing me to not get a job or a house during these hard economic times. I have contacted XXXX XXXX XXXX  on numerous occasions to have this debt collection moved to no avail. Please remove this from my credit report. The date of birth on file connected to this debt is XX/XX/XXXX. This is not my date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that Transunion, XXXX  and XXXX  provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are ( # 1 ) XXXX XXXX {$2.00}, ( # 2 ) XXXX XXXX {$5.00}, ( # 3 ) XXXX XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$130.00}, ( # 5 ) XXXX  {$72.00}, ( # 6 ) XXXX  {$690.00}, ( # 7 ) XXXX {$960.00}, ( # 8 ) XXXX  {$960.00}, ( # 9 ) XXXX XXXX XXXX  {$30.00}, ( # 10 ) XXXX XXXX XXXX {$680.00}, ( # 11 ) XXXX  {$77.00}, ( # 12 ) XXXX XXXX XXXX {$140.00}, ( # 13 ) XXXX XXXX {$71.00}
Product: Credit reporting or other personal consumer reports

The wrong address and employment are listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter disputing information on my report was sent over 30 days ago. Haven't received any results within a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair collection and outsourcing is stating that I owe a XXXX. The five-year statute of limitations for consumer debt in Florida has past and this debt can no longer be collected on after 5 years. Please delete this debt from my credit profile. This can only be collected on within five years for debts with a written contract. Fair collections and outsourcing has had this debt since 2017, and no longer can collect on it by law.