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

I filed for a bankruptcy chapter XXXX back in XXXX of XXXX XXXX 9 Years ago ), I had a mortgage that was included in the bankruptcy and as soon as I received my discharge in XX/XX/XXXX, that same mortgage company ( Specialized Loan Servicing ), reported me more than 60 days late, which was not supposed to be done, considering that bankruptcy is 9 years old. I have reached out to them on many occasions since XXXX and have been told on multiple occasions it will be correctly reported to the credit bureau. Finally, after multiple failed attempts, since they have continuously kept reporting incorrect information, I sent a certified letter to the bank in question with all the proof and nothing has been done. I finally reached out to the credit bureaus, and sent the explanation, with all supporting documentation, I received a credit dipute update with XXXX, claiming that the mortgage company has reported correctly and that sufficient information was not provided. I sent XXXX  the letter I sent to mortgage company, a detailed explanation of what was going on and the proof of bankruptcy payment plan where this mortgage was included and completed with exact dates. I don't understand how much more specific I can be. I then call the XXXX  phone number XXXX, and am asked to verify my identity. I verify the information around 5 times, with the numeric portion of my address, phone number, social security and zip code and system says it can not verify my identity, although I am 100 % sure Ive input the correct info. Then I call consumer services at XXXX and explain I really need to speak to someone and they say they are terribly sorry but there's nothing they can do. I finally communicate with XXXX  and after 3 and 1/2 hours on hold ( I took a picture of the screenshot ), I was told by an XXXX  customer service rep that despite me sending them bankrupcy proof and advising them that mortgage company is being extremely uncooperative, the incorrect information will continue to be on my file.I then asked the rep if I can record her saying that and she agrees. Her ID # is XXXX, name XXXX I believe. I have the recording on my phone, just could not upload, where I recorded the rep confirming they would not remove the negative rating report. Both the mortgage company and XXXX have been very uncooperative. This has been affecting me in obtaining credit, including a refinance of a home I own and 1 I'm trying to buy. I have been more than patient and now I see myself extremely hurt, as no one will give me financing and I have a balloon loan due as well. Please help with having the mortgage removed from my credit ASAP, as it was included in my bankruptcy. Thank you in advance.I have also attached the letter of denial from the Lender trying to get me approved. This is only an example of what has been happening to me for a while. I have been pretty much denied by other banks because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRIED TO HAVE CONSUMER FRAUD ALERT REMOVED. THEY WON'T DO IT, EVEN THOUGH I HAVE MY PIN AND INFORMATION FOR ALL 3. 
THIS IS LIFE THREATENING, I NEED XXXX TO SAVE MY LIFE AND THESE XXXX REFUSE TO REMOVE THE FRAUD ALERT SO I CAN GET MY LIFE SAVED!
Product: Checking or savings account

Filed a claim against an unauthorized charge and Bank of America reversed the claim, stating my signature is on file authorizing the charge. 

No it is not. 

Bank of America claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My fico score dropped 16 points from one month to the next for apparent reason. I spoke with a supervisor, XXXX at extension XXXX, who good not give a reason for the drop and suggested a contact a legal advisor. There has been no negative information on my report for over 3yrs. I took a hit on my score at that time. Since that time my score continually increased because all payments were on time. Nothing negative, and no changes to my credit and yet my scores goes down??? They opened a case,XXXX and then closed the case with no resolution. It is not right these reporting bureaus can make changes to your score with no reason behind it and do not have anyone to answer to for it. There is no recourse the consumer they are reporting on can take.
Product: Credit card or prepaid card

I paid off my credit card to a Capital One credit card I have and they continue to charge me interest charge/special service charges on a zero balance. I've tried calling and speaking to supervisor after supervisor and they can't explain to me why except for it's from the previous months balance, special service charge. I then ask, how do I completely pay off my card if you keep " making up '' erroneous charges. they could not answer that question.
Product: Money transfer, virtual currency, or money service

i am trying to verify all money transfers in my name from XX/XX/2004 til now. INCLUDING XXXX XXXX ITEMS SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX
Product: Money transfer, virtual currency, or money service

I sent two wires out of my XXXX XXXX XXXXXXXX small business checking to an individual who was falsely portraying himself to be a loan provider. I sent {$1700.00} out on XX/XX/year>, and then sent {$2700.00} out on XX/XX/year> to an individual by the name of XXXX XXXX who had an account at Navy Federal Credit Union. This individual said he worked for a company called XXXX XXXX XXXX. Their website was XXXX 

XXXX XXXX XXXXXXXX did request the funds back, but they have only been able to recover approximately {$700.00} so far. I am asking for the full balance back, as this was 100 % a scam, and I should be protected in some form.
Product: Credit reporting or other personal consumer reports

I am filing this complaint, My name is XXXX XXXX, regarding several inaccurate and derogatory accounts that have been reported on his TransUnion credit report. These accounts are incorrect and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as New Jersey state consumer protection laws.

Details of the Inaccurate Accounts : XXXXXXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/year> * Balance : {$280.00} * Account Status : Closed * Remarks : Placed for collection * Dispute : This account is inaccurately reported and needs to be verified or removed. 
XXXX. XXXX XXXX  * Reported : XX/XX/year> * Balance : {$2000.00} * Account Status : Closed * Remarks : Placed for collection * Original Creditor : XXXX XXXX XXXX 
* Dispute : This account is inaccurately reported and needs to be verified or removed. 
XXXX. XXXX XXXX * Reported : XX/XX/year> * Balance : {$550.00} * Account Status : Closed * Remarks : Placed for collection * Original Creditor : XXXX XXXX XXXX XXXX * Dispute : This account is inaccurately reported and needs to be verified or removed. 
XXXX. XXXX XXXXXXXX XXXX XXXX  Reported : XX/XX/year> * Balance : {$4100.00} * Account Status : Open * Remarks : Placed for collection * Original Creditor : XXXX * Dispute : This account is inaccurately reported and needs to be verified or removed. 
Nature of the Complaint : These accounts are inaccurate, incomplete, or unverifiable, and they are adversely affecting XXXX XXXX 's creditworthiness. Despite my attempts to dispute these items directly with TransUnion, they remain unresolved. TransUnion 's failure to investigate and correct these inaccuracies violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and New Jerseys Fair Credit Reporting Act ( XXXX. XXXX ).
Product: Credit card or prepaid card

On XX/XX/2023 I was navigating the Venmo app attempting to pay a tip to a vendor for a service I had paid for. Upon trying to send a {$10.00} tip to a company. I was somehow redirected through the app to request a credit card. I have no intentions of opening a credit card and they sent me XXXX in the mail without any type of confirmation that I actually wanted a credit card. I contacted Venmo through synchrony bank and they canceled the credit card and I also requested that they contact the credit bureau to remove the hard inquiry that they had made, I feel like the solution is resolved, but someone needs to know that Venmo is issuing credit cards with a little to no actual notification that youre applying for a credit card. It should not be XXXX clicks on an app to automatically get a hard credit inquiry and send you a credit card. I work very hard to keep my credit up and this negatively affected me by XXXX points. I felt like it needed to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts on my Equifax report are inaccurate and I would like them removed.
Product: Mortgage

Acct XXXX XXXX Hurricane Ian hit Florida at the end of XXXX, I was notified by my employer that my hours will be reduced as they were affected by this Hurricane. I called your bank in the first week of XXXX and spoke to whoever I spoke to about a payment deferment ( or whatever you call it ) I was assured by the rep that I will get a XXXX deferment which was ok by me and the next payment will be due in XXXX. I assumed everything was ok and was prepared to make payments in XXXX On the first week of XXXX get an alert from XXXX XXXX That your bank informed the credit bureaus That i am late in my mortgage payment and my credit score went from XXXX to XXXX. I was very upset. I called immediately and got XXXX your manager in loss mitigation and she said she will take care of it. It is now end of XXXX and I have called several times for XXXX and I can not get hold of her. I paid both XXXX and XXXX immediately in XXXX ( from funds I had to borrow ) to bring my account current which it is Please help me in reversing this late notice which is a fault of yours not mine. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX finance is a violation of several FRCA laws This is my third attempt to get this resolved. TransUnion has changed and updated payment history which has fluctuated multiple times but still show inaccuracies. 

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX  XXXX XXXX XXXX Account Number : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Prepaid card

On XX/XX/ my employer had their XXXX XXXX XXXX and gifted me a {$100.00} vanilla visa gift card. The gift card looked brand new and sealed in the initial visa cover. When I opened the card, the 4 of the numbers were scratched off and I was unable to use the card. I contacted visa and gave them the serial number of the card, the amount was still on it however, they stated this is a well known scam, and they were most likely not going to reimburse me or send a replacement card. The {$100.00} was still on the card at the time of the call. Apparently, this is a well known scam and there is currently an active lawsuit against Incomm for this. I want my {$100.00}, its only fair and right.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXX/XX/XXXXactions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX and Equifax credit bureaus were contacted via mail informing the companies of my decision to opt out pursuant to 15 USC 6802, 16 CFR 313.7, and the Privacy Act of 1974.
Product: Debt collection

I called and requested a possible payment plan and made XXXX payments. XXXX began trying to auto draft payments every week since to the point I blocked them with my carrier. They then changed their name to get past the block and extract funds from my account. All without my consent. I never agreed to any automatic payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion, XXXX XXXX has disclosed my personal information without my verbal or written consent. XXXX XXXX has closed my account without written or verbal consent on a account that was current, recently at the time had gotten a credit increase and was not notified of account being closed until after they closed my account. XXXX XXXX, XXXX XXXX XXXX has lowered my credit limit due to what has been reported by another creditor which I have not given them verbal nor written to lower my credit limit. This is causing great harm and hardship to myself and family. To the creditor reporting agencies, I have sent dispute letters and advising them of fraud and Identity theft. My credit score has gone from XXXX down to XXXX!! All due to Fraud and Identity Theft. I have contacted XXXX XXXX on the phone and sent them a letter of dispute stating fraud and identity theft certified in XX/XX/2022. I called XXXX XXXX on phone after the app advised me, I was limited on credit, and they advised that my limit was decreased due what was disclosed from another creditor. I advised them verbally that that they did not receive anything from myself requesting a decrease verbally or written and that was identity fraud. This is against my privacy and information that has been report is inaccurate. I have contacted the IRS.GOV and gotten a 9-digit pin as well as put in an Identity theft with FTC.GOV
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And Addresses 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 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 With the amount of identity theft going on , I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX
Product: Credit card

XXXX of XXXX my phone was hacked and overtaken while traveling through the XXXX XXXX on a layover. I was able to determine non of my active accounts were affected XX/XX/XXXX XXXX contacted Goldman sachs after I became aware of the account due to getting a negative report on my creditscore when the account was closed for nonpayment. I spoke with several employees over the course of about XXXX minutes, I was assured they would work to get the account closed. 

XX/XX/XXXX XXXX the account had not been resolved according to my credit report. I followed up with Goldman sachs and was told they could not help me and that I needed to contact Identitytheft.gov Shortly thereafter ( within a week or so-date unknown ) - I filed the report with identitytheft.gov to try to resolve the issue XX/XX/XXXX XXXX I emailed all information to XXXX ( Goldman sachs XXXX XXXX ) and received no response Early-mid XXXX I printed filled out and mailed the dispute letter per recommendation from identitytheft.gov to Goldman sachs They have been unresponsive and unhelpful. I need this issue resolved as soon as possible.
Product: Mortgage

I filed Chapter XXXX  Bankruptcy on XX/XX/XXXX, which included my mortgage with Pacific Union Financial , LLC. In XX/XX/XXXX, I was notified that my mortgage would be transferred to another servicer effective XX/XX/XXXX. 

Nationstar Mortgage LLC d/b/a Mr. Cooper began receiving my monthly payments starting in XX/XX/XXXX. Every month from XX/XX/XXXX to XX/XX/XXXX, I called to schedule a payment for the total monthly amount. I began getting monthly statements and when I question them, I was told that since Im in bankruptcy the statements are not accurate. 

On XX/XX/XXXX, I received a statement for XXXX payment which showed I owed {$4400.00}. The same day I called to schedule my XXXX payment for XX/XX/XXXX, and question the amount. I was told that I was audited and owe for XXXX, XXXX, and XXXX payments. I requested them to re-audit me because my bank statements clearly verify that they were paid every month. 

On XX/XX/XXXX, I contacted Nationstar Mortgage d/b/a Mr. Cooper to again check on the status of my account. I was told that the payment I made would be applied to XXXX mortgage, but I still owe for XXXX and XXXX. As she reviewed my account, she stated, my monthly payment is {$1400.00} and I have been short of a little under {$2.00} every month and she could provide my statement to my attorney to let them know I have not been making the correct payment every month. I suggested that she review the recorded lines of my phone conversation every month that clearly requested the exact monthly amount due be taken out. 

Nonetheless, lets assumed that because of their error on applying the exact amount, it would have not affected my mortgage, but the changes adjusted to my escrow account. The question becomes ; where is the overage from my escrow account? I am a XXXX  XXXX  XXXX veteran and exempt from the majority of property taxes. Prior to the transfer, Pacific Union Financial, applied my overage to claim arrears. 

I can only come to the conclusion that if applying this year 's overage to my claim arrears it would have eliminated all claim arrears due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to remark that XXXX XXXX is reporting Chapter XXXX Bankruptcy for me. I have never filed bankruptcy. XXXX XXXX has stated to me that Transunion must be coding their report of account being affected by Covid as bankruptcy. XXXX has emailed Transunion - Yet, Transunion most recently coded it again as bankruptcy on XX/XX/2020. 

I am attaching email communication from XXXX XXXX.
Product: Debt collection

Sent company Sun Loan XXXX XXXX in XXXX XXXX tx XXXX certified mail to cease all communication and harassment with me, family, friends and place of work on XX/XX/XXXX. ( have proof if needed ). Also talked to some one from company on XX/XX/XXXX after they called my work place to talk to my supervisor they were again told by me to stop calling my place of work and stop harassing me and that I knew they received by certified mail cause tracking service showed they received it on XX/XX/XXXX. They still continue to call my place of work as well as others listed ( also have proof if needed ) or will upload if needed.
Product: Credit card

Barclays closed my account due to inactivity for some time and I lost my award points. Customers earn their points and should get the cashback they deserve before closing their accounts. Other banks are doing a great job because they do send the cash back before closing the account. Barclays is trying to escape from financial responsibility by voiding customers ' award points and closing their accounts for their sake, this is not fair.
Product: Credit reporting or other personal consumer reports

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved will be filed if any and all derogatory information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information
Product: Mortgage

We currently have our mortgage with Wells Fargo and were trying to refinance to cash out some equity so we could pay off some debt. Our loan was approved and we were instructed to close all of our credit cards accounts. We did as they asked, the property was appraised, and we thought it was a go until we were told three weeks in that our property was n't approved because of HOA blanket insurance. Now we do n't have access to a line of credit because we were told to close all our accounts and the closures will negatively affect our credit score. At the time this incident occurred the branch manager told us she had XXXX other customers in the same situation. If that 's the case, I would think she should have made sure the property was approved before asking us to close our accounts.