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

I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX XXXX  ( also known as XXXX XXXX ). This mortgage servicer has reported incorrect and inconsistent information to all three major credit bureaus ( XXXX, XXXX, and TransUnion ), which is negatively affecting my credit score and financial standing.

The following issues are present on my credit reports : Inaccurate Late Payments : XXXX XXXX  has incorrectly reported late payments on my account, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. 

Incorrect Loan Details and Balances : After my loan was resold, the information reported by XXXX XXXX, including the loan balance and payment status, is inconsistent across all three credit bureaus. The balances shown on my reports do not match the actual outstanding loan balance, which I have confirmed with the lender. 

Inconsistent Reporting Across Credit Bureaus : The information provided by XXXX XXXX  is inconsistent on each credit bureau, causing confusion and further damage to my credit score. The balances and payment statuses are incorrect, and some details are missing altogether. 

I have already attempted to resolve these issues directly with XXXX XXXX  by [ briefly describe any attempts to dispute or resolve the issue, such as calling customer service, submitting disputes, etc. ], but the discrepancies have not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX  corrects these inaccuracies on my credit reports. I also request that XXXX XXXX be held accountable for their failure to provide accurate information and for the damage caused by their reporting errors. 

Thank you for your time and attention to this matter. Please contact me if you require any further information or documentation to support my complaint.
Product: Credit reporting or other personal consumer reports

Someone I dont know opened a Capital One Quicksilver credit card under my name without my consent. Ive already contacted Capital One fraud department as well as XXXX. I was told to submit a report to the FTC and was redirected to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

account was initiating an automatic payment and they did not process the payment on time then i pay over the phone to put the account on time.
Product: Consumer Loan

I have been receiving an inordinate amount of collection calls which I believe to be unnecessary and harassment. Though I have never been more than XXXX weeks late on any payment ( most on time or within XXXX week ), have never been a payment behind and always call the company to let them know I am aware of the situation and on the day I pay either through mail or by phone, I begin to receive calls XXXX days after the due date and I receive them several times per day, at all hours. Though I specifically requested not to call on Sunday they do so and at XXXX XXXX XXXX! I understand the need for collection services and I understand a Borrower 's responsibility to pay, but all this must be done within reason. If I were three months behind or always late or never in communication I would understand. In my present situation and over the past months, both the frequency and timing of the collection calls is inordinate and abusive. Especially on a Sunday XXXX at XXXX.
Product: Mortgage

I requested a loan modification or refinance from Selene Finance. They sent me a list of documents I needed to submit, which I did. Then they requested completely different documentation and " deemed my application incomplete '' and denied it. This has happened at least five times. They refused to process my application for HAMP and HARP. They did not fully disclose the terms of " blind offer '' during mediation. They are in violation of TILA and now the company has been sold I do not know who I need to contact to resolve the mortgage. The company is the worst to deal with. Always a different person when I call. Always an argument. Never able to speak to a Sr. Supervisor. Corporate policy never disclosed and legal grounds supporting company policy never revealed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Bank of America credit card was listed on my credit report with a {$1000.00} balance and had me listed as an authorized user ; however, I do not have a Bank of America credit card. I called Bank of America and they said they were going to work to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the story XXXX XXXX XX/XX/2018, XX/XX/2018 they are appearing on my XXXX XXXX as hard inquiry 's but these were soft pulls. I have called customer service when this was done and a few months later and both times they said they would remove the hard pull 's on the following dates. 

I am looking to get these removed off my file as promised. They said would get give me courtesy removal on those dates.
Product: Checking or savings account

For no explicated reason, my fund transfer was denied. I was also not notified that this happened, and so I missed the deadline to be able to receive the {$200.00} bonus for opening the savings account as well as the {$400.00} for opening the savings and the checking accounts together. I was then told that the transfer denial was on the other bank 's end. I cancelled my account because of this ; however, that was not accurate information. I was then told that I could have had the deadline extended for making the transfer of funds, but I couldn't because I had closed the account - which I would not have done if i had been given accurate information in the first place. I was then given a big runaround, lied to a few more times and basically told XXXX  XXXX off by a local banker. Chase is the XXXX and I have zero hope that this complaint will solve anything.
Product: Debt collection

This company Portfolio Recovery started calling me over 5 years ago for a Debt from a electric bill in college im.not legally obligated to pay that has past the statute of limitations. i registered with the do not call registry & they now call my house phone all times of the day to try to convince me to make a payment though im not obligated if i would like the calls to stop essentially they plan to harrass me by phone till i choose to pay the debt legally i dont owe i just want the harrasment to stop
Product: Credit reporting or other personal consumer reports

Experian has lowered my credit rating and I do not have any outstanding debt except a dispute with XXXX XXXX XXXX  in my husbands name and mine. All that is owed is late fees on charges on my husbands credit card. I have sent them a certified XXXX XXXX from DOD XX/XX/year>. His card has not been used. I would like for my credit score to to be reevaluated. Thank you. 
XXXX XXXX
Product: Debt collection

There is numerous unauthorized information on my credit report which are addresses, phone number, names, and accounts, I am very devastated about this and need this to be quickly investigated. there is a fraudulent account that was placed by MIDLAND CREDIT MANAGEMENT. Also there are several inquires on my credit reports. I have contacted all 3 bureaus to let them know about this matter. 
I started having issues ID theft in XXXX but did not realize it until I pulled mt credit report XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was compromised in XX/XX/XXXX. I only found out when I received a phone call from a collection agency demanding a payment of {$1000.00} to XXXX. I have been going back and forth with XXXX for OVER A YEAR, submitting ALL documents they have requested, contacting all credit bureaus, etc. The credit bureaus have informed me that they have never received anything from XXXX saying that this was fraud, but I have a letter from XX/XX/XXXX, from XXXX stating that they have sent a letter to the credit bureaus and to wait 90 days for the removal. It is now XX/XX/XXXX. There is a hard inquiry on my Equifax report that was NEVER authorized ... XXXX also opened an account with my social security number, under the name XXXX XXXX, which is NOT my name. My name is XXXX XXXX. The account number is XXXX. I have sent them a notarized packet that shows my address, which was not where the orders were made, at the time, as well as my driver 's license, a copy of my ss card ( with the numbers except the last 4 blacked out ) a FTC report, and their own packet that they 've requested. I 've also sent them a copy of my credit report where it shows that hard inquiry still exists. I even filed a police report, and gave the police officer the name, address and phone number of the suspected person, and even HE did n't care to do anything. This has been going on for OVER A YEAR. If this does not get cleared up within the 15 days that CFPB says to allow, I will be contacting their legal department.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE CLAIM. XXXX  HAS NEVER RESPONDED TO THE FAIR TRADE CREDIT REPORTING ACT/LAW THAT STATES THEY MUST INVESTIGATE WITHIN 30 DAYS!
Product: Mortgage

from ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.. 
XXXX NH XXXX '' in regards ' ''CE LINK bank contract XXXX ... ... 

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. this is a demand request to ; ... ... ... ... ... ... ... ... ... 
to ; '' ... HUD. 
... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NH XXXX fax XXXX XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Good day ; having been informed by ''ce link ' bank that contract XXXX has been transferred to HUD a US FEDERAL AGENCY, Reason given there was no value remaining in the property having been removed with interest and other unexplained charges. 
and CE LINK bank a private business, no longer wanted any cost in holding. 

I have requested a copy of all contract changes on many occasion in ''sign for, ''traceable legal notification form '' the ce link bank never responded. 

I herein request that HUD a US federal agency, respond to my request for a copy of said contract as given to HUD in the transfer.. 
i have received no legal notice from HUD as to the ''transfer '', only a verbal phone call from ce link bank..

i could not reach HUD by phone waited in cue one hour no answer. that will be in the phone company records.

Ihave sent emails to HUD, no reply.. 
____ please excuse my demand format '. 

XXXX XXXX signed my email land phone XXXX XXXX XXXX with message answer,..
Product: Credit reporting or other personal consumer reports

ATTACHED IS PROOF OF AN INVESTIGATION THAT WAS DONE ON THE LATE PAYMENTS REPORTING ON A CLOSED ( XXXX XXXX XXXX XXXX ) ACCOUNT. THE ACCOUNT WAS CLOSED ( HIGHLIGHTED ON ATTACHED DOCUMENT ) XX/XX/2023 AND THE FIRST LATE PAYMENT IS LISTED AT XX/XX/2023 ( HIGHLIGHTED ON ATTACHED DOCUMENT ) PLEASE UPDATE THIS ACCOUNT TO CURRENT/ON-TIME OR DELETE THIS ACCOUNT FOR THE IMPROPER INVESTIGATION THAT WAS DONE By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.
Product: Money transfer, virtual currency, or money service

I reported to Chase bank that a zelle transfer was due to a scam on XXXX. They investigated and did not reverse the transaction and would do nothing to get the money back. The XXXX posting was selling farm implements and wanted a deposit to hold them. The posting looked like a friend of mine but it was a fake picture impersonating my friend. I was asked to XXXX XXXX to her cousin whose phone number was a California number ( XXXX ) Her name is XXXX XXXX. The XXXX posting and all correspondence with her disappeared from my history. I asked XXXX to take the posting down and they said " it isn't against our community standards. '' I contacted XXXX and they indicated I had to contact my bank, Chase. 

Nothing was done by either company to solve the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been struggling to repair my credit scores Finally got my Transunion score in 770s XXXX in 760s and XXXX XXXX About a month ago both my Transunion and XXXX scores dropped significantly by over 80 points for no apparent reason Everything is the same credit usage only 6-7 %, no new loans, last reported late payment over 2 years old The only thing is did differently was pay off a loan while my loan payments were current.

There has to be a mistake. Im trying to refinance my mortgage and the drop in credit score hurts a lot! 
I need an explanation. 
Thanks! 
Respectfully, XXXX XXXX XXXX MD
Product: Checking or savings account

I am filing this complaint against Capital One Bank due to their failure to deposit my paycheck in a timely manner. Despite my repeated attempts to resolve this issue directly with the bank, they have not fulfilled their promise to address the matter within the time frame they provided. 

This delay has caused significant financial inconvenience and stress, as I rely on my paycheck for essential expenses. Furthermore, the lack of accountability and communication from Capital One Bank is deeply troubling and raises concerns about their ethical standards and customer service practices. I am extremely disappointed and concerned.
Product: Vehicle loan or lease

The car loan that I have is held by Exeter Finance LLC. I've had the loan for approximately 5 years. The loan was for XXXX as of today my balance is nearly XXXX. This is surely an illegal business operation. I have tried to contact upper management about current situation at hand. The vehicle is a XXXX XXXX XXXX purchased in XXXX.
Product: Credit card or prepaid card

I have checking account and credit card in HSBC bank USA from XXXX. 
This year ( XXXX ) I noticed there was one time annual fee XXXX $ charged on my credit card account for first time. I did not see annual fee for my credit card account for past eight years ( XXXX ~ XXXX ). I chatted with HSBC on XX/XX/XXXX and got the information I will get XXXX $ back if I close my credit card account. I closed my credit card account and three weeks after, I did not received the check then chatted with HSBC on XX/XX/XXXX again, I got the information XXXX $ will be deposited to my checking account in 2~3 business days. After 2~3 business days, I did not receive it and chat with HSBC on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, every time in chatting, I was told the fee would be deposited into my account in 2~3 business days, but never received it.
Product: Bank account or service

Huntington Banks has incorrect information that they use to verify my identity. They will not fix the issue and deny me access to my account. They have my address, SS number, DOB, email and many other verification information but that is n't good enough for them. I have had an account with them for XXXX years yet they want to use information that was n't collected when I opened my account, such as my cell phone number. I want them to fix the issue without me spending hours of my time or missing work. It is their error and their poor system design and not my fault. This delay could cause me to make a mistake in payments and therefore profit Huntington.
Product: Credit card or prepaid card

Citi sent me a letter and fraudulently closed my credit card account that I have had since 2012 stating I was not using the card as intended. I am the original creditor and was using the card as intended and am very distressed that the card was shutdown.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XX/XX/year> I wrote each credit bureau and this company asking to remove this inaccurate information from my account. I ask for the original owner to send the contract and the 1099c statement letter XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX Nothing got done, so I'm writing again. I am filing a lawsuit against JPMCB for violating my constitutional rights. This debt was never removed. Each credit bureau were notified and had more than 30 days to remove this inaccurate debt. 
Charge off 15 U.S. code 1636 & 15 U.S. code 1692g Late payments 15 U.S. code 1681 ( 2Xi ). 15 U.S. code 1666b 12 CFR 1026.13
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX BALANCE NO KNOWLEDGE OF THIS ACCOUNT CAUSING MENTAL ANGUISH DESTROYED MY CREDIT SCORE AND CALLING ME HARRASING ME ABOUT PAYING WITHOUT PROVIDING PROOF SIGNATURES OF ME SIGNING ANY AGREEMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries and accounts that I am unaware of. I wrote Transunion, XX/XX/XXXX and XX/XX/XXXX over 45 days with no response. I have attached a copy of the incorrect information and identify theft letter. 

Please help. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on today XX/XX/2021 that my XXXX XXXX had dropped and I was in total shock it was because there's a loan on it from XXXX XXXX that appears as upgrade I never ever applied for this loan I wouldn't know how to this is a fraud and scam by someone who might be close enough to me to have all my personal information it isn't fair for me to have to pay back a loan that I didn't apply for in the first place. This loan is ruining my credit. They should be more careful when giving out loans to people and should remove their loan from my transunion and XXXX account. I don't have an address associated with the address of that loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations of : 1. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) ( XXXX XXXX  ) 2. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 3. Permissible Purpose : 15 USC 1681b 4. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 5. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 6. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. The accounts are : XXXX XXXX XXXX : # XXXX : Date Fraud Begun : XX/XX/year> I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and XXXX  state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings There are several accounts on my credit report that fell into the charge off category. However, They was letter settled but the third party companies have yet held up their end of updated the account of being settled. 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: Debt collection

On XX/XX/2022, I received a letter in the mail from Vengroff Williams , Inc alleging that I owed XXXX XXXXXXXX Pursuant to 15 U.S.C.1692g ( a ) ( 3 ) I am making it clear that I disagree with this alleged debt, and I am disputing the entire amount you claim I owe. 
Furthermore, all communication must cease. ( see attached ). 
Please keep in mind if this alleged debt was reported to any consumer reporting agencies, they must be deleted. As I gave your company no consent to disclose my personal information to any CRA 's.
Product: Debt collection

These companys are reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l XXXX review to see if this is actually an account that belongs to me
Product: Money transfer, virtual currency, or money service

My complaint is that Zelle allowed someone to open an account using my information. 
One of my customers mistakenly used my cellphone # to send in a payment through Zelle instead of my email address, which is my Zelle ID. You would think it would just be rejected, nut no, somebody setup an account using my cellphone number and a fake business name similar to mine and they collected the money. My bank obviously couldn't do anything about it, but his bank says that the money went through to the intended recipient and will not reverse the transaction. 
My question is how can you possibly setup a Zelle account without verifying the information is correct? Almost everything I do I have to respond to a text or email confirming that I am the account holder. 

The transaction occurred on XX/XX/XXXX for {$110.00} Zelle XXXX XXXX Zelle ID used for transaction XXXX XXXX XXXX ( my cell # ) Business name associated with acct XXXX  XXXX XXXX My Zelle ID for transactions is my email address XXXX My business XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  account that originally incorrectly misstated I had a late payment. XXXX   made the mistake, and after I talked with them, they have since removed the late payment from THEIR records on XX/XX/XXXX.

I called XXXX  for the sixth time since then on Friday, XX/XX/XXXX, and they confirmed again they were no longer are reporting any late payments. I subsequently placed another dispute, my seventh, with Experian that I didn't have this late payment with XXXX. I just received the results of this dispute, on XX/XX/XXXX, that Experian are claiming that the original information is accurate and they are not removing the late payment. Basically they are still not reporting the same results as the creditor is.

As you can see from the attachment, dated all the way back on XX/XX/XXXX, XXXX  admitted their mistake and have stated that there should not have been a late payment. This late payment should be removed in Experian records, but for some unforseen reason they refuse to. I have exercised every other Avenue at my disposal to rectify this wrong, and I have not been able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The cfpb has allowed Experian to violate my rights again. I now have evidence proving that Experian did not investigate the inquiry from XXXX  XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX in XXXX XXXX XXXX I now have evidence from XXXX XXXX XXXX and XXXX XXXX and other banks. please stop letting Experian get away with this or I will go the attorney generals office. thank you