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

XXXX XXXX/XXXX was included in my husband 's bankruptcy case. A discharge was ordered. I have reached out to the company in attempt to have them correct my credit report. I 've written several letters requesting XXXX XXXX to correct the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX Bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. XXXX XXXX has my credit bureau noted as a charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided. It is very suspicious also in their reporting. XXXX XXXX started reporting me late in XX/XX/XXXX ( almost a year after the bankruptcy discharge ) then continued to report late every month until XXXX - XX/XX/XXXX. Then bank late from XX/XX/XXXXXXXX to present. During the months where they report current in XXXX, there was no communication with XXXX XXXX. Why would they report current for some 5 months and then late again. No written communication from XXXX XXXX has been received since the discharge. My attorney stated that XXXX XXXX was subject to Louisiana Civil Code 3494, action on open accounts ( credit cards ) are subject a 3 yr liberative prescription period. The notation of current payments would break the 3 year period for them to continue to misreport to the credit bureau. It is my belief XXXX has misrepresented information in my credit bureau intentionally. Not to mention their breach of adhering to bankruptcy laws in a community property state. In the state of Louisiana, if only one spouse files for protection the non-filing spouse will also benefit by the bankruptcy since the discharge of debts includes community claims and prohibits creditors from proceeding against community property acquired post - petition, even as against non debtor spouse. 11 U.S.C. 524 ( a ) ( 3 ). Copies of the letters mailed along with discharge papers will be attached. I have disputed the information in all 3 credit bureaus. The bureaus indicate the information is reported correctly-consumer disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my credit reports for XXXX, XXXX, and XXXX that is dated XX/XX/2019 listed as JPMCB Card. I did not authorize this inquiry and did not apply for a credit card with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report as maintained by XXXX. This letter serves as my official notice of dispute under the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 
Report NumberXXXX XXXX & CAINE & WEINER reports this accounts is POTENTIALLY NEGATIVE when in fact this account has been settled since 2023. CAINE & WEINER in return was supposed to delete this off my credit report but instead left it on my credit report! Now I've disputed with XXXX stating this account is inaccurate. But their was response were it's Accurate and Verified! Okay so here 's the problem either XXXX is lying or CAINE & WEINER. by law under the FCRA act and FDCPA I have the right to sue both business for reporting Fraudulent information. This is damage to my credit worthiness moving forward for future loans or home purchase. This needs to be removed from my credit report immediately.

Legal Basis for Dispute : 15 U.S. Code 1681 : The FCRA mandates accurate and fair credit reporting.

15 U.S. Code 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

15 U.S. Code 1681s-2 : Addresses the responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681i ( a ) ( 5 ) : Details the procedure for the deletion of inaccurate, incomplete, or unverifiable information.

Specific Dispute Details : I am disputing the following inaccurate information on my credit report : Account/Item Name : CAINE & WEINER Account Number : XXXX Specific Inaccuracies : Paid, Closed. 
This information is incorrect and must be investigated and removed. 

Affidavit of Truth : This affidavit is made pursuant to the Fair Credit Reporting Act as codified at 15 U.S. Code 1681. I do not consent to any automated scan response or e-OSCAR verification methods.

Certification : I certify under penalty of perjury under the laws of the United States of America pursuant to 28 U.S.C. 1746 ( 1 ) that the foregoing is true and correct.

Supporting Documentation :
Product: Credit reporting or other personal consumer reports

I HAVE CHECKED MY CONSUMER REPORT ONLY TO NOTICE INACCURATE INFO BEING REPORTED, UNDER 15 USC 1681a THE BANKING INDUSTRY IS DEPENDED UPON ACCURACY AND FAIRNESS OF CREDIT REPORTING, THIS IS A VIOLATIONALSO ITS BEEN XXXX  DAYS TO NO AVAIL.
Product: Debt collection

Merchants Credit continues to report  XXXX  paid medical accounts that were the result of a billing error despite my written letters and being notified in writing by original creditor (  XXXX   XXXX   XXXX  ) that these accounts are paid and resolved.   XXXX   and  XXXX  even come back with accounts " verified '' when disputed. These accounts severely impact my credit and are causing more hardship.
Product: Mortgage

I was told by a neighbor that my house has a " writ '' against it and that was reported in the XXXX newspaper. 
Wells Fargo does not hold the mortgage. 
I have a modification agreement with XXXX. 
How can they keep doing this to me? At what point do they get fined and sanctioned? This is now harming my professional reputation XXXX a small business owner. I want to know how I file for damages against Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax didnt exercise their role /responsibilities. 

Did not respect my privacy. 

Never had permissible consent. 
Unfair 1681 a. # 3 # 4 b. # 2
Product: Mortgage

We recently refinanced w ith Wells Fargo, within the last 6 months. They were the holder of our  mortgage and we refinanced with them to get a lower rate and shorter term. We decided to go with them because we were told we would receive a {$500.00} gift card (   XXXX   or  XXXX  - the representative couldnt ' remember which  XXXX  ). Our refinancing was completed several months ago, but even after multiple follow-ups we have not received any gift card/certificate. The rep who helped us refi will not return any calls. We recently sent an email to customer service and have yet to hear a response. Please help us in getting some answers on if there even was a gift card offer and if so, how can we obtain it.
Product: Student loan

I am writing because of a situation I have tried to rectify for over 5 years now with absolutely no help by FedLoan and its arbitrary, irrational policies. I am a teacher in Oklahoma and get paid once a month on the XXXX of each month. I can not change that fact ever- it is the way my school district- XXXX XXXX Schools in XXXX County , Oklahoma does it. Several times since I have, through every means, tried to get my payment due date scheduled on or after the XXXX to ensure I incurred no additional fees. I have been told by CSR 's and their Supervisors that the date can not be changed given my plan- what plans can change and why ca n't I. I was never told this at any time when signing up or re-certifying for my plan- Income Driven Repayment. The website says clearly if I 'm having trouble to ask through email and they will change the due date- just not for the poorest of us loan-holders! I asked verbally during the process and again later in at least 6 different emails sent through the FedLoan portal for a change to this due date from the standard XXXX to the XXXX or later. I sent an email in XXXX and 2 more in the last week asking for a change. I have already paid over {$200.00} in fees resulting directly from the timing of these payments. I signed up for Direct Deposit hoping it would allow me to change this date but to no avail. They would n't cancel that for me either when I asked saying 3 business days are needed ( Fri, Mon, Tue ) so I 'll be out hundreds again this month due to this due date! I can not understand why 1. It is such a difficulty to change the date for me and 2. why people who are at highest risk of default are being forced to adhere to a due date which incurs regular financial harm? They always say I had to change it when re-certifying and I asked them to and they said I must make a payment 1st then I could- not this new excuse. I have been lied to throughout this process and simply do not understand why I am being forced into an even worse financial situation each month by a simple due date that ANYONE should be able to change at their will!
Product: Debt collection

I respectfully urge Equifax and the major credit bureaus to promptly cease the inclusion of the specified entry in my credit report. It is my earnest request that you not only take immediate action to rectify this matter but also emphasize the importance of adhering to the laws established to safeguard American citizens from the practices of aggressive debt collectors and to ensure equitable conduct by credit reporting agencies. 

The detailed entry pertains to the following information : Creditor : XXXX XXXX Account Balance : {$12000.00} Account Status : XXXX XXXX XXXX Sent Account Number : XXXX Account Status : Closed Credit Limit : {$0.00} Highest Balance : {$27000.00} Payment Amount : {$0.00} Last Payment Date : XX/XX/XXXX Term : 76 Months Account Description : Individual Opened On : XX/XX/XXXX Closed On : XX/XX/XXXX Last Reported On : XX/XX/XXXX Days Late : XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status : Collection/Chargeoff Amount Past Due : {$12000.00} Lowest Credit Rating : Not Specified Remarks : Account charged off as uncollectible debt Write-off : Classified as a loss in profits In accordance with 15 U.S.C. 1681 Section 602 A, which asserts my right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2, which mandates the need for my written consent before disclosing account information, I implore your diligence in rectifying this situation promptly. Moreover, adhering to the stipulations of 15 U.S.C. 1692C, I emphasize that any communication related to debt collection must have my prior consent.

I kindly request your full cooperation in addressing this matter with a sense of urgency, while ensuring strict adherence to the pertinent consumer protection laws. Your commitment to rectifying this issue and upholding the principles of fair and lawful conduct is greatly appreciated.
Product: Mortgage

I applied for a mortgage loan in the amount of {$110000.00} with Bank of America on XX/XX/2020 with a loan officer I was referred to. The first officer called and said that my debt-to-income ratio was too high, and he couldn't further assist me ; I had a solution for this and when I tried to reach out to him he ignored my phone calls and voicemails. Then I was referred to another Loan Officer who started off stating that she would take care of me during this process and shortly after the communication become poor. She ignored my emails and phone calls and only responded when my realtor reached out to her. In this process we lost an unnecessary and substantial amount of funds to meet loan/program requirements. I provided everything asked of me by the loan processor via email ; and several weeks later I received a phone call after appraisal stating that I don't meet loan requirements due to overall balances on credit bureau being too high. I then received a letter on XX/XX/2020 denying me still ; yet stating another reason other than what I was told by my loan officer verbally. At this time, I am requesting for my loan to be reviewed for inspection by a higher management. With all the programs Bank of America offers there should have been a better decision. There was a lot of effort put into this process by my wife and I ; we are highly disappointed in the outcome with this failed purchase of our first home. 

Earnest Money : {$1100.00} Option Fee : {$130.00} Inspection of House : {$380.00} The debt that I was specifically told to pay by my loan officer to bring debt to income ratio down below 50 % in the amount of ( {$10000.00} ) which brought me down to 46 % debt-to-income ratio.
Product: Bank account or service

SUBJECT : Fraudulent Transactions - CRISS reference # XXXX Reference is made to the attached letter dated XX/XX/2015. PNC advises that after a careful review of the documentation available and information provided by us, that the transactions were authorized and the merchandise or service requested using our card was received. Therefore, the claim was denied. 
I spoke to a PNC Representative at XXXX on XX/XX/2015 and informed her that we had not received the merchandise or in this case, the proceeds of the loan request from XXXX. I also advised the PNC Representative that we would be formally submitting a written appeal to this denial to the address noted on the XX/XX/2015 letter from PNC. The Representative also noted that she would place a note in our file that we were contesting the initial determination made by PNC. 
At the very mimimum, PNC should credit our account with {$580.00} given that I had advised PNC on XX/XX/2015, that my wife and I believed that the multiple transactions were based on fraud carried out by XXXX. The final transaction of {$580.00} was still in a pending status on XX/XX/2015. Please see my attached log of all e-mail transactions sent to PNC Bank and their responses. In particular, please note the following e-mail sent to PNC : Read Message Message List Send A Message Message Detail Subject : StopPayment Date : XX/XX/2015 Message : The following debit withdrawals were made friday. I now believe that this was a loan scam that I fell for. Is there anything I can do to void these tranactions? It involved XXXX for a loan. I was required to send these three transactions to cover insurance, processing fees and to increase my credit score. The loan company is not willing to refund my payments. XX/XX/2015 POS PURCHASE XXXX XXXX MD {$410.00} XX/XX/2015 POS PURCHASE XXXX XXXX MD {$710.00} {$470.00} 1 XX/XX/2015 POS PURCHASE XXXX XXXX MD {$370.00} {$1100.00} To assist in your review, I have included the following supporting documents : 1. PNC letter dated XX/XX/2015 ; 2. Summary Overview of the Fraud Matter ; 3. E-mail log providing our requests and PNC responses ; 4. XXXX Sheriff 's office IdentifyFraud/Theft report ; 5. Complaint Referral Form to FBI Internet Crime Complaint Center ; 6. PNC Bank Statements reflecting all the fraudulent transactions, including the pending status of {$580.00} on XX/XX/2015 which occurred after our e-mail notification to PNC on XX/XX/2015 ; and 7. Copies of all of the wire transfers to XXXX. 
Your review and reconsideration of our request to have all the monies restored to our account is urgently requested. And at the very minimum, the last transaction of {$580.00} should be credited back to our account based on the e-mail advisement we sent on XX/XX/2015 stating that the funds sent to XXXX were based on a fraudulent scheme by that company. 
Your re-evaluation and reconsideration will be most appreciated. If you require additional information, I can be reached at XXXX or by e-mail at XXXX Attachments
Product: Checking or savings account

I opened a direct deposit account with Bank Of America. This is my social security check. When I opened the account they informed me I had to have a savings account - ok ; Then they deduct {$25.00} each month from the checking into the saving =OK. 

Recently I find that they are deducting a XXXX Dollar charge ( {$5.00} ) without my authorization. This has been going on since XX/XX/2017. 

I have spoken with Customer Service, and two bank officers and they inform me that they can not return the charges to my account. 

I received emails from the bank with fraud alerts - so why did they not send me an email about this change. I consider this another form of fraud. 

I want the funds returned to my savings account. 

I appreciate your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 



I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 



I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

8. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year>/ Experian XX/XX/year>/ Experian Was contacted on both of these days by phone as well as internet my account has been compromised I cant and or dont have access to my account the provided information is fraudulent, Ive tried to contact a live specialist on numerous occasions to assist me with the matter all my attempts were unsuccessful. 
* Fraudulent Inquiries * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *Fraudulent personal information* Incorrect email address Incorrect address Incorrect phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters but they refused to investigate and remove the inquiries. They said that the burden of proof was on me and I needed to contact the creditors. I even contacted the  Presidents of the  companies via email ( all who had a Representative call me very quick ly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said that they were mine but without any form of verification.
Product: Debt collection

XXXX XXXX. This company calls my work number, my home, my cell, and various relatives constantly and repeatedly. I dealt with this company several years ago and they lied to me and told me that I was already being sued but if I agreed to a payment at that time the suit would be dropped. That was a lie. Now I am dealing with this company again and the calls are constant. I ca n't believe a word they would say after the last time. 
In addition, they recently called my sister in law and told them they were a debt collector looking to collect a debt, and could she give contact information or pass that on. I was under the impression they are not permitted to disclose that information to a 3rd party.
Product: Credit reporting or other personal consumer reports

This problem been persistent. Equifax failed to resolve my issue I even went to extent of filing a police report. Fraud mail is coming to my house. XXXX XXXX XXXX XXXX XXXX and I am being taking advantage of.
Product: Credit card or prepaid card

I, XXXX XXXX, applied for a Chase Bank XXXX Edge Credit card around the month of XXXX, XXXX. This card comes with a 0 % APR on purchases and balance transfers for a promotional period. I got the card because of this advertisement and also because of this attached link ( https : //www.chase.comXXXX XXXX  which states that a balance transfer can be used for, " Pay for unexpected expenses or get cash. If you've received balance transfer checks, you can use them to pay for things you need or to get cash. If eligible, you can also sign in to Chase.com or call the number on the back of your card to transfer funds into a qualifying checking account. Successful payment history must be established for checking accounts you wish to use for transfers. '' However, when I called Chase Bank to make a balance transfer to my checking account I was notified that I can not do that until I have made 6 monthly payments. They have not been able to provide anything in writing that says this. They mislead me, negatively affected my credit, because they falsely advertised how their card can be used. I have my card member agreement and all other documents that were sent to me as of XX/XX/2023, and there is nothing in the card member agreement or other documents that state that I must wait for 6 monthly payments to go through to use this advertised benefit. 

Chase has not been helpful in this situation and send me in a " circle '' of department to department without being able to provide anything in writing about this policy.