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

i got my credit report of all 3 credit bureau on XX/XX/2019 from XXXX and I found many error in all 3 credit bureau which I would like you to help me solve. I already dispute this information and even send them proofs to the credit bureaus and they have not done anything to correct this information, which is affecting my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection National Credit System illegally obtain my consumer report. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ; I never gave written consent or permission for any of this. 

This collection is causing me hardship of the illegal practices they are reporting on my consumer report for all 3 credit bureaus and its affecting me negatively.
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase on XXXX for a suitcase, and used Afterpay to pay for the transaction. The merchant sent the item to the wrong address and refuses to reship to the correct one. I disputed the transaction with Afterpay since I never received the item, but they refuse to credit my money back and have sided with the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts and 13 inquiries on my credit report that are not mine. I want them closed and removed from my transunion report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have decided to escalate this matter to the Consumer Financial Protection Bureau due to the fact XXXX XXXX has failed to update the records related to a past due account that was charged off in XX/XX/XXXX. I wrote to XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX. The account was paid in full ( {$590.00} ) on XX/XX/XXXX to the collection agency handling the account ( XXXX XXXX ). Despite my payment in full, XXXX XXXX XXXX has not updated the status of this account on my Experian report ( but has on all other credit bureaus ) to a current/paid status. Furthermore, they placed this account in charge off status on multiple occasions, including more recently in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which makes is being reported as if I continue to miss payments or I am not fully paid on this closed account. I have tried numerous attempts to dispute the current status of this account to no avail with Experian and XXXX. I am in the process of purchasing a home and this item is affecting my credit score. I notified XXXX that my dispute is related to how the account is being marked as charged off, when it should be currently marked as paid/current. I provided additional documentation regarding the payment and the dismissal of this matter which was escalated to the courts of the District of Columbia. Correcting this item is proving to be an extremely frustrating task as I continue to be passed around in circles. Please let me know what additional information you need to correctly update these records immediately to reflect the current account status. Please feel free to give me a call with any questions or concerns.
Product: Checking or savings account

I've had HUNDREDS of issues with Wells Fargo. Most recently I deposited a {$5400.00} check into my account and it was deemed fraudulent when it in fact wasn't.
Product: Credit reporting

I got turned down for credit on a car loan. I went to the free credit report website the only one that would give me the report was XXXX. The other XXXX site had " Technical Problems '', which required me to request a copy via mail, unless I paid them {$29.00}. When I went to pay them XXXX, their systems do not let you buy it, they make you buy a " subscription for XXXX per month. This is Transunion and XXXX. They are scams and need to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Willl by law the validated my rights so by credit act I have the rights to disputes the Credit card if they are wrong end accurati hope you delete our dispute all they account are in my report ok
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TransUnion has the incorrect information on my accounts as far as account balances and late fees.
Product: Mortgage

My mortgage was transferred from Home Point Financial Corporation to XXXX XXXX XXXX with a first payment due XXXX XX/XX/2022. The letter informing me of the change in lender was dated XXXX XX/XX/2022. I did not receive the letter until XXXX XX/XX/2022 because I was away from home. The letter lacked detail and simply stated I should send my payment to a XXXX XXXX XXXX To be honest it looked like a scam. 

When I contacted XXXX XXXX, they stated that the loan had not been transferred until XXXX XX/XX/2022. XXXX days after the payment was due. Due to this delay, XXXX XXXX had not sent a welcome letter to me regarding how to place payment. The web page for XXXX XXXX states that my payment is late despite my inability to post payment. They did tell me that this should have no effect on my credit rating. I have XXXX complaints : XXXX ) A lack of communication from XXXX XXXX, giving me less than 30 days notice that my loan was transferred. 
XXXX ) A lack of timeliness in transferring my account to the new lender.
Product: Checking or savings account

On XX/XX/XXXX I got an email saying my account has been blocked due to suspicious activity. I called in and was told that my account is closed and the remaining funds will be sent through via check to me. Ive been contacting citi bank for a week now asking them the update on my check. I have {$30000.00} in my account and they wont give me answers on when my check will be mailed or if I can even track it. Everytime I call I get a different response and they end up hanging up on me at the end while Im trying to finish my sentence. XXXX day their response would be your account is still under investigation and the next your account has been closed and your check should arrive in 7-10 days and others would be we dont have a answer for you. Like what is it? You say my account is closed down, then give me my money back. They wont allow me to go inside the branch either. At this point Im out {$30000.00} and no real answers.
Product: Debt collection

On today XXXX XXXX2018 I was alerted by my credit monitoring that an collection was placed on my XXXX  report! I did my research and it is the exact account that was deleted and removed due to being fraudulent and not my account. The original debtor states XXXX XXXX and Ive spoken with them and they are unaware as to why this XXXX XXXX keeps trying to collect on something from me when it isnt my debt. I have XXXX XXXX XXXX currently in my home so NO I dont owe them
Product: Debt collection

In a review of my credit file, this company, Medical Data Systems, reports a medical debt on my credit report. I have no contractual agreement with this company. I did not sign any documents or even know about this company. I believe they are trying to take advantage of the elderly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 or prepaid card

Company-XXXX XXXX  PAID FULL AMOUNT DUE {$47.00} ON XXXX XXXX. 
rECEIVED STATEMENT IN XXXX WITH PAYMENT SHOWING. XXXX  BALANCE. 
XXXX STATEMTN RECEIVED WITH {$4700.00} BILLED PAST DUE PLUS 20.00 LATE CHARGE.cALLED BILLING, ADVISED BILL WAS ALREADY PAID, tHEY VERIFIED XXXX BALANCE DISREGARD BILL.XXXX RECEIVED ANOTHER BILL, nOW ADDITIONAL LAE FEES. cALLED AGAIN AFTER SENDING WRITTEN BANK STATMENT SHOWING PAYMENT, AND iNTERNET COPY OF BILL WIWTH XXXX BALANCE. cALLED AGAIN EXPLAINING SENT LETTER TO ADDRESS OF BILLING STATING FORMENTIONED ACTIONS. wAS TOLD i HAD MULTIPLE ACCOUNTS WHICH WERE NOW AT 4. i ONLY HAD ONE. wAS TOLD BY XXXX A BILLING REPRESENTATIVE SHE WOULD INVESTIGATE AND SEND ME A LETTER FOR THE PURCHASES. i NEVER RECEIVED A REPLY. jUST ANOTHER BILL IN XXXX FOR MORE LATE FEES AND SENDING TO COLLECTIONS IF NOT PAID. i CAN NOT DO ANYMORE THAN THE CORRESPONDENCE i HAVE ALREADY SENT TWICE WITH NO REPLY EXCEPT ANOTHER BILL. i WANT TO FORMALLY FILE A COMPLAINT AGAINST XXXX XXXX FOR THEIR ERRORS. tHEY WILL NOT RESOLVE THIS ISSUE.
Product: Debt collection

I NEVER had an account with XXXX XXXX. Check the records, I told them and I never had a XXXX XXXX phone number, phone, or anything. In fact, it was at the beginning of COVID and I saw a deal, called about it, then changed my mind and XXXX XXXX SENT ME MONEY! THE COLLECTION AGENCY JUST PICKED THIS UP OFF A DESK OF JUNK LEFT WHEN EVERYONE WAS TOLD TO GO HOME FOR THE COVID DILEMMA. 

THERE ARE NO CALL RECORDS OR PHONE NUMBERS ASSOCIATED WITH ME AND XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice an account that was not reporting accurately. I had XXXX late payments on an account that i in fact paid on time. Putting me at XXXX when I paid XXXX percent of this off on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/17, XX/XX/17, XX/XX/17. XXXX now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid immediately. Thanks you for your understanding and taking time out of your day to hear me out.
Product: Mortgage

On XX/XX/XXXX I applied for a cash out re-finance with Loan Depot for my 2BD/BA condo. 

After being conditionally approved and paying for an appraisal which came back successful, sending tax and income documents, I was told that Loan Depot no longer re-finances high-rise condos. 

Loan Depot had successfully helped me re-finance on the same proprety unit in XX/XX/XXXX. 

On XX/XX/XXXX - I get the following email from my Sr. Loan advisor at Load Depot " Yes at this time we are not refinancing high-rise condos. XXXX was advising that we had to decline the loan. '' I'm out {$500.00} dollars and spent 2 month sending paperwork all to have it fall on the floor due to no fault on my own. I have not been made hole and this has caused all types of anxiety and stress due my interest rate of % XXXX and qualifying for much lower rates due to my credit score and good payment history.
Product: Credit card

I have XXXX credit cards with Bank of America that I made payment arrangements wuth on XX/XX/XXXX One card was {$66.00} payment and the other was {$140.00}. I opted not to do autopay on these cards. The scheduled due date for payments was set for the XXXX of each month. I called on XX/XX/XXXX and made my payments early. One paymeny of {$400.00} and other {$140.00} by debit. On XX/XX/XXXX there was an unauthorized autopayment of {$140.00} and {$66.00} from my XXXX XXXX XXXX XXXX XXXX ( XXXX ) checking account. I had the representative shut off the unauthorized autopay. I called B of A on XX/XX/XXXX and spoke with a representative that processed a refund of {$140.00} and {$66.00} back to my XXXX account. I spoke to another representative about refunding the NSF fees caused by the unauthorized autopayments. The rep stated that once the refunds are applied to my checking account that my bank will refund the {$66.00} in total NSF fees to my account. When I spoke with the XXXX bank manager, he stated that the refund of the NSF fees is the responsibility of the financial institution that committed the error. I am requesting a refund for the total of {$66.00} to be applied back to my XXXX checking account
Product: Credit reporting or other personal consumer reports

I have addressed this matter on several occasions, with Experian and they refused to fix the issue as a consumer, I am entitled to accurate and fair credit reporting. 

To Whom It May Concern, I request assistance with an issue on my consumer credit report. There are three entries under my name, each attached to different ID numbers. Despite these discrepancies, the credit bureau has informed me that they are unable to remove the additional entries because they share my name. 
The following names are incorrect : XXXX XXXX XXXX XXXX XXXX : No hyphen between my last names. 

The following names have ID numbers which I would like Experian to remove and add the original name to the Account. XXXX XXXX XXXX. any other name that has an ID number needs to be removed. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am concerned about this error 's potential impact on my credit and financial reputation. I have attempted to resolve this issue directly with the credit bureau, but no action has been taken to correct it. I request your assistance in addressing this situation and ensuring that my credit report accurately reflects my identification details. 
Please let me know if further information or documentation is required to facilitate this correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

~As an astute business person I keep daily tabs on finances, credit monitoring, account balances of anywhere we use money. 


~We pay extra on our mortgage each month to see balances decrease, aggressively paying down any debt. Well, I didnt expect to see this though from Equifax. 


~On XX/XX/2020 I noticed all of our accounts paid to zero, {$0.00}, across the board at Equifax XXXX 
XXXX and XXXX were not affected. 


~My open accounts regarding Equifax credit report, alarming to say the least. 
XXXX XXXX XXXX XXXX showed {$0.00} owing ... in good standing XXXX showed {$0.00} owing ... in good standing XXXX   showed {$0.00} owing ... in good standing XXXX XXXX XXXX showed {$0.00} owing ... in good standing. 

~Note : XXXX receives an additional {$1000.00} each month to reduce the term from 30y to 10y Mortgage. 


~I first called check my phone applications to see what each institution were reporting back to me. Then verified by calling each lender. 
XXXX XXXX XXXX XXXX showed me about $ XXXX owing and on auto withdrawal XXXX showed about {$19.00}, XXXX and on time on auto withdrawal XXXX showed $ XXXX and on time on auto withdrawal XXXX XXXX XXXX  showed $ XXXX and on time on auto withdrawal. 


~I then spoke to an Equifax customer service employee who told me that is what the lender reported to them was XXXX. She suggested that I call the lenders and suggested if they could repost my balances. She said it might be worth a try to get the correct information reissued but all accounts were showing paid. My credit score with Equifax actually dropped. This concerned me as I like to understand why there is a 15-20 point swing. 

~It was suggested I open up inquiries for the four accounts with erroneous info. Investigations were conducted at each lender. Following the balances being sent to Equifax the score bounced back up. A change happened negatively when XXXX XXXX made a remark about the credit inquiry I made, both Equifax and XXXX  lowered my score 9 and 11 points respectively. This is frustrating as this was because of an error made by Equifax. My scores with stellar credit should be affected by their errors. I have enjoyed XXXX credit scores before this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my records through Equifax/work number/Talx for some time now. The entire time I was trying to view them I start getting ads from Equifax, then I get locked out over and over. There were also several other links popping up at the same time. Half of my records are either incorrect or totally missing. To top it off somebody is working under my social security number, phone number and other email at NIH. 
It makes sense as to why I found XXXX on my phone a few times. To top it off I found a small females border patrol green recruit jacket inside my house near all of my paperwork after returning from being gone for a day towards the end of last year. Who ever it is is affiliated with Equifax because they kept kicking me off the entire time. 
How am I supposed to handle this type of situation when it is people in places of trust Misusing my information and abusing their positions of trust?
Product: Credit card

I have no knowledge of this these fraudulent accounts. These accounts are a result of identity theft. I did not physically open these accounts in person at a branch nor did I open these accounts online with the bank. I am a victim of identity theft. These credit card accounts were open without my consent. There was also bank accounts opened in my name using my information obtained from a breach or other sources thieves use to obtain personal information and used to make payments on these accounts. Please remove this account from my transunion credit report. I have attached dispute letters along with an FTC identity theft report. & Police report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Compensation under the Fair Credit Reporting Act ( FCRA ) I am writing to file a formal complaint and request for compensation under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer governed by 15 U.S.C. 6802. I am exercising my rights under the FCRA to opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your company.

Furthermore, I wish to address a specific violation of the FCRA regarding the reporting of my information to a non-affiliate without my explicit consent. This action constitutes a breach of my privacy rights and requires immediate corrective action.
Product: Debt collection

LINCOLN TECH XXXX {$10000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit reporting or other personal consumer reports

I REACHED OUT TO XXXX XXXX XXXX BECAUSE MY AUTO LOAN IS REPORTING LATE PAYMENTS FOR SEVERAL MONTHS AND I WAS NEVER LATE. THEY SAID THEY WOULD FIX IT WITH THE CREDIT REPORTING AGENCIES AND THE XXXX, XXXX, AND TRANSUNION AND XXXX IS STILL REPORTING THIS INFORMATION AS ACCURATE. I HAVE SENT A COPY OF THE LETTER HEAD THAT I RECEIVED FROM XXXX XXXX XXXX STATING THAT MY ACCOUNT IS CURRENT AND WAS NOT LATE. I'M ATTACHING A COPY OF MY DISPUTE LETTER WITH THE LETTER HEAD THAT I SENT TO THE CREDIT REPORTING AGENCIES. SENT CERTIFIED MAIL ON XX/XX/ AND THEY RECEIVED IT ON XX/XX/. ALSO, THERES A CREDIT CARD ACCOUNT FROM XXXX XXXX XXXX  THAT I WANT REMOVED ALSO BECAUSE THAT ACCOUNT DOES'NT BELONG TO ME.
Product: Mortgage

During covid I was promised a loan modification on my mortgage on the house I own, awarded to me by the judge in my divorce. The mortgage company I called over and over ran me around in circles with different stories each time I called to make a payment. It started with, " We don't have any divorce decree from the judge. We can not accept payments. '' Then turn around, " We have the modification package ready for you right here we are sending it in the mail now. '' It never arrived. I call and ask what's going on and get hit with yet another story of why they couldn't accept my payments. Meanwhile interest is adding up, and pretty exponentially I will add. The many times I call to figure it out no one gives me any direct answers, and of course I am frustrated. In an escrow account I had the funds to pay off at least 5 % of the damages caused through the whole run-around, and they still refused to accept my payments. I had to file bankruptcy in order for them not to take my home in foreclosure, which was entirely due to self-inflected usury. Not to mention my credit is ruined, and most importantly my morale. They filed an objection to my bankruptcy, which now they've withdrawn for some reason? I believe usury and forced foreclosure may predominantly lie as that reason. I believe this company will sit and wait, as they have, till I no longer have any fight or ability, and then try to get the property and any equity they can for themselves. I have since researched that this company has forced thousands of smaller class people such as me into this position, doing exactly that. I do not appreciate being taken advantage of, and no matter what happens next, it will take years of my life to get back on track due to the damage this mortgage company has greedily inflicted on me.
Product: Credit card or prepaid card

I've noticed in my transaction history ( monthly statement ) that there is money missing in between transactions. I believe bank of America is fraudulently taking money from my edd payments. I have called bank of America and asked why there is discrepancies.? Their answer was because of pending transactions. Which is a lie because the statements they send me are completed transactions. I can not get any help from the bank .I have the completed statements and hope this can get me my money back some closer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022