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

My mortgage was transferred to XXXX XXXX XXXX a few months ago. 

They sent me a letter telling me that my mortgage has changed to them and asked for my bank account info for payment - which I found suspicious since the loan number was different and I hadn't received anything saying XXXX XXXXXXXX XXXX was my new lender from my existing bank ( XXXX ). They had said my loan would be transferred to " XXXX XXXX XXXX ''. 

I called XXXX to figure out if it was legitimate or fraudulent. They had the right info about my existing loan so I ended up setting up my account and signing up for automatic payments over the phone. 

Then a couple months later I got a notice in the main that my account was delinquent. I called and it turns out that the automatic payments wouldn't kick in for 2 months ( which they never told me on the phone ), and once the payment was missed, the automatic payments were cancelled too. 

After calling I immediately paid the balance and called back to verify it wouldn't be reported as late to the credit bureau, but it turns out they had already sent the delinquent status to the credit report. 

They promised that they would fax letters to the credit bureaus to remove the negative marks, but that was several weeks ago and the negative marks still remain on the credit report. 

I've emailed and called them several times and still have gotten no response from them about the issue with my credit being resolved. 

The XXXX online presence is extremely dated and difficult to navigate ( e.g. to tell what the outstanding balance is or set up automatic payments ). In this case my flawless credit of XXXX dropped nearly XXXX points due to mix ups in their payment systems that weren't communicated to me, and now several weeks after I've paid the balance and discussed the credit issue with them they've failed to address it with the credit bureaus.
Product: Checking or savings account

I was paying at the gas station at night. Made one purchase the next purchase denied. They closed the acc. Then I received a email? It said due to my name change they needed ID. I have no name XXXX  .I sent ID. I have been with chime over a year. I sent ID anyway. 

. No response and becouse my acc was closed I can't get my money or into my online acc. They will not talk live on the phone. Weird. Unusual. And they only use a robot to answer questions they never get back. Almost a week now. I want to know what.is going on.
Product: Credit card or prepaid card

Hello, My issue is with my Credit Card at Wells Fargo company. The card number ending in XXXX. I opened my account at Wells Fargo around XX/XX/2023. On the day I just active the credit card, I started to receive Fraud/unauthorized transactions activities in this credit card. 

Therefore, I never used this credit card to make any purchase. And I contacted with Wells Fargo Fraud department and told them that those are all fraud transactions and please closed my account. 

Now, my account is closed, which I really appreciate for your help. However, my credit reports shows I have 2 late payments from this credit card. I think this is unreasonable. Since those are fraud activities, I don't think I have to entitled the 2 late payments on my credit reports.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a mortgage loan with Amerisave. While the loan was in underwriting process, I switched to a different lender. The loan was an FHA. I had paid for the appraisal. XXXX which is the currently lender I am working with requested the FHA case number and appraisal to be transferred to them. Amerisave transferred the case number and refuse to lease the appraisal. By law, Amerisave have to release the FHA appraisal report since I had paid for it. They lied to XXXX big time. Amerisave said the appraisal was not complete ; which was untrue. they also said the appraisal was not an FHA ; which was also untrue. I am requesting Amerisave to refund the full appraisal fee of {$420.00} that I paid.
Product: Vehicle loan or lease

My signature was forged on car loan documents through XXXXBridgecrest. Their process allows customers to do all paperwork online ; however, I never signed anything, nor did I receive anything through email or text about signing a contract for a car loan. My family member used my information and signed car loan paperwork without my consent through XXXX. The family member created a fake XXXX account with another signature number ; she then had all paperwork sent to her personal email and signed these fraudulent documents without my consent. I have spoken to Bridgecrest on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX only to discover I was the primary account holder. I spoke to XXXX on XX/XX/XXXX and XX/XX/XXXX to help me sort through everything. I discovered through the XXXX representative, on XX/XX/XXXX that the contract was over XXXX pages long and that it was also fraudulent. My listed contact information on the contract belonged to the family member and only included my home address. The XXXX representative informed me to notify the authorities. The second representative from XXXX was contacted on XX/XX/XXXX and stated that he could not find my information unless he puts the family members phone number in the system. He also told me that he could not email me a copy unless he changes the contract because the email listed on the contract was not my email, it belonged to the family member. This vehicle/loan is not mine. It was obtained through fraud by the family member. I do not have access, nor do I maintain ownership of this vehicle. XXXX has since released me from all obligations regarding the car/loan on XX/XX/XXXX ; however, Bridgecrest has not. I have sent Bridgecrest my police report, XXXX release letter, and all of the other documents they requested from me to their identity theft org box. However, on XX/XX/XXXX Bridgecrest sent me a denial letter stating that through their investigation, they still find me liable for the car loan. Bridgecrest did not give me any explanation of their decision, nor did they show any evidence of their investigation. So far, I have XXXX police reports open on the family member ; however, Bridgecrest is still reporting to the creditors that I have missed payments on an account that was formulated through forged documents. Bridgecrest has also changed my address to the family members address and has removed the family members email address on the account to show my personal email instead. Bridgcrest did this after I informed them not to ; this only proves that they are forcing a fraudulent account on me. Bridgecrest has reported all of their false information to the creditors, causing them to change my real home address to the perpetrators address. I have had to clear my identity through several entities about this including the XXXX because the family member has over $ XXXX in toll tickets. They have since released me as well ; however, Bridgecrest has not.
Product: Credit reporting or other personal consumer reports

This complaint to BANK OF AMERICA for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off 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 XXXXXX/XX/XXXX
Product: Mortgage

Told clear to close would be signed off next morning, closing Friday XX/XX/XXXX, closing set, then loan denied abruptly. No further communication. We received a pre-approval in XX/XX/XXXX by company system, turned in all documentation to them. As with every mortgage process knew additional documentation would be required. It was a tough journey, ( we were asked for additional items by underwriter such as son 's marriage certificate, copy of wedding invitation, my college transcripts and additional XXXX for reserve funds to be wired to title company, and were treated as though we were criminals and lying about original documentation turned in. They finally said they received all they needed and took many days/weeks to go over everything with a fine tooth comb as expected for circumstances involved. After much stress and financial burden as we were not able to touch our checking account due to funds always being verified for closing, finally told on XX/XX/XXXX by upper management not to worry, loan would get closed by end of week. Scheduled day off from work. On XX/XX/XXXX called and told the loan was being manually approved and signed off on and we would be closing the next day. Confirmed again morning of XX/XX/XXXX would try and get closed that afternoon but would probably be Monday XX/XX/XXXX. At XXXX received call from realtor that they had fired our loan officer, he was told not have further contact with us and manager would take over loan. We were never told any of this by Ruoff Home Mortgage. Obviously, XXXX was at fault or why would they fire the loan officer who was the only person of integrity over there and tell him not to have further contact. After calls to several upper management and President of company, none of which were returned, finally reached Manager of branch who rudely and abruptly informed me loan was dead. No contact since. On website that they told us to follow closely our loan showed clear to close. Checked again XX/XX/XXXX and loan still showed Initial Underwriting Approval. Still no contact from anyone at Ruoff. On Monday following week received call with completely different explanation why loan did n't close due to us having moved into property per seller agreement due to our home being rented. This was an extremely stressful rollercoaster situation for ourselves and children, we lost money from ending our lease early, as well as having to account for everything that went in and out of our checking account, obtaining insurance, etc. We have supporting website documentation as well as an email forwarded to us.
Product: Checking or savings account

On Saturday, XX/XX/XXXX, I applied for online bank savings account with VIO Bank, and I was denied, I called the company VIO Bank and the agent on the phone said I might have misspelled something and use the name on my driver 's license ( DL ) and to reapply. I applied again and was denied after using the same information on my DL. I called back 10 minutes later on XX/XX/XXXX and spoke with the same agent, and the agent ( he ) told me again to change my information a little bit and to keep applying until I get a approval for the saving account application. 

At that point I I asked to speak to a manager or supervisor on XX/XX/XXXX and was told that the supervisor had already left. And was also told there will be no supervisor on Sunday XX/XX/XXXX. Therefore I was forced to make phone call on Monday XX/XX/XXXX. 

I called back today XX/XX/XXXX and spoke with another agent who told me I shouldn't have applied that many time as it's a soft inquiry and it will impact my credit score. And according to the agent today XX/XX/XXXX, she told me I had over 6 applications on file. I asked to speak with a manager today. 

The manager called me back one hour later after the agent today XX/XX/XXXX. The manager stated that it wouldn't affect my credit score and it doesn't matter how many time that I have applied. And she wouldn't release why my application for saving was rejected. I contacted the Federal Reserve, and they stated that it would affect my credit score as long as I applied anything with bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Report shows this account was opened XX/XX/2023, it has been opened for 2 months, the account status is open,, the responsibility is as individual and the amount owed is {$300.00}. 

This account states that the original creditor name is : XXXX XXXX XXXX 

I have no knowledge of this account. I have no knowledge of XXXX XXXXXXXX XXXX I have no knowledge of XXXX XXXX XXXX 
Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.
Product: Debt collection

Over the past year I have received various non stop calls, even after telling them to please stop contacting me via telephone. They keep callinf from different numbers. 
the debt that they are trying to collect has been removed from my CR due to XXXX violation.
Product: Credit reporting or other personal consumer reports

Date XX/XX/2021 amount is {$0.00} it was paid and terminated by default and the company still put it on my credit report! company credit collection services phone XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 US.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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven veers 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Money transfer, virtual currency, or money service

I have had submitted dispute with Sofi bank RE : Acct # : XXXX Merchant Name : Multiple Transaction Date : Multiple Total Amount : {$2900.00} Dear XXXX XXXX, We have received your claim dated XX/XX/XXXX concerning the above-referenced transaction ( XXXX ). This letter is to inform you that we have begun the investigation of your claim. If we are unable to complete the investigation within XXXX business days from the date of your claim, we will provisionally credit your account so that you have the use of the funds until the investigation is complete. We will notify you if this occurs.XXXX days exactly after I get the denial and their supporting document doesnt support their denial Your request ( XXXX ) has been updated. To add additional comments, reply to this email. 

Card Processing Associate ( XXXX ) XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX RE : Acct # : XXXX Merchant Name : Multiple Transaction Date : Total Amount : {$2900.00} Claim Date : XX/XX/XXXX I requested to appeal and their review time this time was taking nearly XXXX  month but after 1 day the denied my dispute XXXX RE : Acct # : XXXX Merchant Name : Multiple Transaction Date : Total Amount : {$2900.00} Dear XXXX XXXX, Thank you for providing us with additional information regarding the above-referenced transaction ( s ). 

The final resolution of your claim will be completed as quickly as possible but no later than XX/XX/XXXX. The results of the investigation will be submitted to you in writing within XXXX business days after completing our investigation. 

And when I appealed my dispute I had to issue them updated supporting documents ant evidence and I did but they they did not provide me with updated new supporting evidence document and or any communication correspondence communication with them. And the merchant!
Product: Debt collection

Hi there, I hope you are having a wonderful XXXX XXXX! 

Having an issue with 1 Collection appearing on my credit reports. This was a report ran by XXXX, where it shows back in XXXX of 2017 an attempt to collect a debt was sent by XXXX over to a debt collection agency called Diversified Consultant. I have gotten to the bottom of this and have since settled the debt in full. The two companies said they can not take it off my credit report, so a friend of mine recommended I reach out to CFPB for help. I believe this old collection is hurting my credit score, and was hoping for some help getting this taken off so that my scores can increase. This debt happened in a time when I did not have a job, but that is no longer the case, I now have a stable job and a stable income. Would it be possible to help get this taken away? 

Collection Details : Account Name : Diversified Consultants Original Creditor : XXXX Open Date : XX/XX/2017 Further Details : I settled this debt in 2017, by making one payment in XX/XX/2017 of {$360.00}, and made the second and final payment in XX/XX/2017, of {$360.00}. After I made the final payment Diversified Consultants said they reported to the credit bureaus as payment settled in full.
Product: Debt collection

I told the company already that i am dealing with the BBB and the XXXX XXXX because the car is a lemon. They continue to call me day and night everyday and all day.
Product: Debt collection

On XX/XX/2024, at XXXXXXXX XXXX, Portfolio Recovery initiated communication with me, leading to a subsequent call to their office. Throughout the conversation, they requested my personal information, a request I opted not to fulfill. I explicitly communicated my request for a cease and desist, yet the representative indicated that compliance was contingent on providing personal details to Portfolio Recovery. It is crucial to note that I neither supplied them with my information nor granted permission for contact in any manner or timeframe.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed there is some unauthorized and inaccurate accounts on my credit report. ( Axcess Financial ) is removed off my XXXX report but still reporting the inaccuracies on my XXXX and XXXX report. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. FCRA section 605b Law 15 U.S.C 15 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 
TITLE 15. COMMERCE AND TRADE 6802. Obligations with respect to disclosures of personal information, 15 USCS 6802 ( a ) Notice requirements. Except as otherwise provided in this subtitle, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 503 [ 15 USCS 6803 ].

( b ) Opt out.

( 1 ) In general. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 504 [ 15 USCS 6804 ], that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise ... Account : ( Axcess Financial ) Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are errors in this accounts. Status states paid account and it's written off, so how is it still late? Please provide method of verification and physical verification validation of debt for this account. Also, original instrument of indebtedness. This is information is not accurate and they are in violation of my rights. 


XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are also inquires that are not mine XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I em doing this own my own and I have call the local police and FTC.
Product: Checking or savings account

I've been a customer of chime for years, on XX/XX/year> I filed an unauthorized claim with chime for unauthorized transactions that happened on my chime card, claim number is Claim ID : XXXX, I never made any of these charges and yet chime is telling me that I'm responsible for the transactions totaling {$3000.00}. I need the proper documentation showing how I'm responsible for these unauthorized charges. there is charges from XXXX XXXX, I called XXXX XXXX and was told that the account is not even in my name, how can I be responsible for such a. charge and how did chime not see that with their investigation? I need for chime to reinvestigate this claim. I am need my funds back into my account immediately.
Product: Debt collection

Contacted me XXXX XXXX attempting to collect a garbage bill that was 3 years old that I had no idea I owed. Their amount was the wrong amount and I disputed it. They sent an updated invoice in XXXX and called in XXXX. I paid the amount on their bill at which point they notified me that they placed this on my credit report. The operator was beyond rude and would not let me verify that the information he was reading to me was incorrect. I will be suing this company for defamation as I paid for a debt that was not valid.