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

Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I used XXXX to transfer {$290.00} to a beauty salon, after getting home and inspecting my hair, I was not satisfied and attempted to get a refund or have my hair fixed thru the salon to no avail. Sometime around XX/XX/XXXX I had exhausted all avenues to fix this issue with the salon, I then filed a complaint thru Wells Fargo thinking that they could help me. On XX/XX/XXXX WF issued a temporary credit while they investigated the claim. WF ended up denying my claim. On XX/XX/XXXX they took back the provisional credit. Then, on XX/XX/XXXX WF took the {$290.00} out AGAIN! The same transaction number is attached and everything. WF basically told me 'too bad, contact XXXX ', which I have also done. No one seems to want to own up to the mistake and make it right. All I want is my money back, please help! 



XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX   XXXX Visa Direct AZ XXXX CARD XXXX {$290.00} XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$290.00} XX/XX/XXXX CARD REVERSAL OF CREDIT XXXX {$290.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX*VISA MONEY TRANSFER Visa Direct AZ XXXX CARD XXXX {$290.00}
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section.604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX XXXX I DID NOT COMPANY XXXX PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Consumer Loan

Santander Fianancial is guilty of continuing to report fraudulent information on my credit file. I have repeatedly asked them to provide me with the documentation that they used to open this fraudulet account. I have yet to receive anything from them but lies and excuses. They are very rude and unprofessional. They refuse to remove this information in spite of the fact that I have sent them copies of my Identity Theft Application and the police report several times. Please do sometthing about these people who brashly and defiantly abuse victims of ID theft. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$50.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$50.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$1400.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$890.00} XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$610.00} XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$7700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$960.00} XXXX  # XXXX XX/XX/XXXX -- {$500.00} XXXX # XXXX XX/XX/XXXX -- {$820.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$380.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$290.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Debt collection

prosper marketplace inc account- unsecured responsibility- individual date opened- XX/XX/2018 status- closed. {$11000.00} written off status updated XX/XX/2018 the credit reporting agency or bureaus place this information into my credit report without verification. where is the original signed document from when i opened my credit card or got the loan. please remove the inaccurate unfair information off my credit report. if you guys dont remove this stuff off my credit report we will be filling a lawsuit against your organization for unfair practices. you have 30 days to do so to VERIFY the information or to DELETE it immediately that is LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have been in deferment, but the company continues to report my payments as late. Attached is the letter from XXXX XXXX XXXX showing the loans in deferment from XX/XX/2018 through XX/XX/2018. 
Today I applied for a mortgage and all three loans are reporting negative with 90 day late payments during the deferment period. 
The credit report is also reflecting a higher balance and payment on each of the loans.
Product: Credit reporting or other personal consumer reports

When I went XXXX for a vehicle they said they would run my credit an it will be a soft inquiries and wont affect my credit score. But when I checked my credit score it was hit with XXXX hard inquiries. I asked why they said it will eventually go away
Product: Credit card or prepaid card

XXXX locked my card and will not unlock it advising me that I need to send in proof of who I am when I have already done that with the local government! Who do they think they are to lock someones money up its been a month Ive sent in information and still my card is locked. My card has thousands of dollars on it!
Product: Credit reporting or other personal consumer reports

XXXX XXXX NUMBER XXXX Delivered XXXX, TX XXXX XX/XX/2024, XXXX XXXX  Experian failed to open an investigation of dispute that was sent via certified mail. Experian made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/2024 Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Type and Detail : The account type and detail differ among the three credit bureaus. TransUnion reports it as a " Mortgage account, '' XXXX as an " XXXX XXXX '' and XXXX again as a " Mortgage. '' This inconsistency may lead to confusion regarding the nature of the mortgage.

Payment Status : XXXX reports that the account was " Current, was past due XXXX  days or more '' in XX/XX/2023, while both TransUnion and XXXX indicate that the account was " Paid or paying as agreed '' during the same period. Such discrepancies in reporting the payment status raise concerns about the accuracy of the information provided.

Two-Year Payment History : Discrepancies exist in the reported payment history for various months and years among the three credit bureaus. These inconsistencies undermine the reliability of the credit report and may have adverse effects on my creditworthiness.
Product: Credit reporting or other personal consumer reports

XXXX lowered my credit score by XXXX points within a DAY after Citi reported I owed an excessive amount on my credit card. Citi admitted to XXXX that the information was entered in error. After doing so XXXX only raised my score back up by XXXX points and stated that I would have to wait an additional 30-60 days to have it corrected. This error should have been corrected immediately with XXXX.
Product: Mortgage

This complaint is in regards to loan application XXXX. On XXXX XX/XX/2021 I began the mortgage application process to obtain a Conventional mortgage loan with AmeriSave Mortgage Corporation. The loan officer spoke with me over the phone and completed the application with details that I was providing. Towards the end of the call, I paid the {$500.00} upfront processing fee. Over the next few weeks everything seemed to be going well, I submitted requested documents ( tax returns, paystubs, bank statement, etc. ) and got a Condominium Insurance Policy. On the day that the loan was supposed to close ( XXXX XXXX ), XXXX XXXX called me and informed me that they were still waiting for documents from the Condominiums Management team and he also instructed me to pay all of my credit cards off to a {$0.00} balance, which I did. There was a 2 week gap at the end of XXXX and early XXXX in which AmeriSave could have communicated this to me, why did they wait until closing day? Over the next few days, XXXX XXXX would then call me and tell me that he would only approve the loan if I increased my down payment from {$10000.00} to {$32000.00}. I was able to get the additional funds from relatives and I provided XXXX with the documentation of where the funds came from. Subsequently, XXXX then changed his mind AGAIN and said that he would only approve the loan if I added a co-signer. I stated that I recently got a job promotion and did not need a co-signer in order to qualify for a Conventional loan. At this point we had missed our closing date by several days and XXXX XXXX would not answer phone calls or e-mails. I reached out to several other individuals and they would not respond either. I was forced to cancel the purchase contract and switch to another lender. 

After I switched to another lender, I was able to submit the required documents and they approved me for a Conventional mortgage loan. They loan officer remained in constant communication and we were able to complete the process in 2-3 weeks. Since AmeriSave had already done an appraisal, I requested that they transfer it to the new lender. On XXXX XX/XX/2021, XXXX XXXX stated that I would need to send them a certified check in order for them to process the transfer. That afternoon, I sent them a check in the amount of {$530.00} via XXXX  2nd Day Air ( Tracking number XXXX ). AmeriSave received the check on XXXX XX/XX/2021. After receiving the check for the appraisal transfer, AmeriSave then stated that they would NOT be transferring the appraisal to the new lender. At this point, we had to order a rush appraisal from XXXX XXXX XXXX. 


I made all efforts and attempts to work with AmeriSave in order to close on the loan but they were very uncooperative and would not communicate with me at all. As a result, I would like a refund of the Process Fee ( {$500.00} ) and the Appraisal Transfer Fee ( {$530.00} ). AmeriSave engages in deceptive and misleading practices which leads to avoidable delays in their loan process. I will not be doing any business with them in the future. I have attached supporting documents relating to this incident.
Product: Checking or savings account

On XX/XX/2022, I opened a dispute with Ally due to being overcharged {$75.00} for a parking garage fee when it should have been {$18.00}. Ally provided a provisional credit while investigating and contacted me in XX/XX/2022, stating that the vendor requested a receipt to prove the error. I explained to the representative who called me that the parking garage in question does not provide receipts. Instead, it takes the ticket into the machine, takes your payment, and you have to drive out following. No receipt or confirmation is dispensed following payment. 

The representative stated that I could write a letter detailing the incident instead. So, on XX/XX/2022, I submitted a letter to Ally customer support detailing what happened. Last Wednesday, XX/XX/2022, I received a letter from Ally stating that my provisional credit had been reversed and that the bank denied the dispute due to a transaction completed with a merchant I have an established relationship. How is paying a parking garage fee indicative of an established relationship? 

Due to this issue, my account is now over-drafted, and Ally 's claim of an established relationship with a public parking facility is bogus. What proof or documentation was used to come to such an absurd conclusion?
Product: Credit card

I completed my American Express Platinum card Platinum $ XXXX spnd/XXXX MR Pts signed up bonus and these points were posted to my account on XXXX/XXXX/2016. On XXXX/XXXX/2016, American Express took these points back due to " adjustment ''.
Product: Credit card

There are charges for {$14.00} that I disputed back in XX/XX/XXXX. On XX/XX/XXXX the company stated the following : Goldman Sachs Bank USA has investigated your transaction dispute and found that no billing error occurred for the following reason : We reviewed available information which confirms that you authorized the purchase with the merchant. 

I asked for the available information that was reviewed and they refuse to provide the information.
Product: Credit card

On XX/XX/2017 our tax refund was deposited in to my husbands account in the amount of XXXX of which XXXX was then taken by XXXX and applied to an account they state is in default. We were told many times they could do this without notification, when we asked to speak about this and get our money back they have denied supervisors and managers and we were transferred or hung up on. They sent us a letter dated XX/XX/XXXX which we received on the XX/XX/XXXX or XXXX which was 1-2 days before they offset our account allowing us to settle but they did not give us time to call in to settle now we are trying to work with them and they states that they are denying to speak with its. There was no letter of default or no notification of a court hearing so we can contest the judgement. However they states that they can take any amount deposited into our account without notice and without obtaining judgement stating it is their right to do so. We have spoken with the credit card department and it is showing that are card is charged off not in default. We have not had any chance to settle with XXXX or go to court to vacat the judgement and now we are not able to pay our rent.
Product: Credit reporting or other personal consumer reports

15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 1 HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Fay Servicing is the servicer for my 10-property portfolio loan.

They continuously say that my escrow account is in shortage, and then charge me a higher monthly payment to make up for the shortage.

In comparing the disbursements Fay made for taxes in 2022, I can see that SEVERAL properties ' tax liabilities were paid twice, some of which with late penalties.

Additionally, my insurance company says they received over {$20000.00} in overpayments from Fay servicing. Fay refuses to provide me with copies of what was actually billed versus paid out for each property, and continues to say my account is experiencing a shortage. 

I have NOT received any refund checks from the tax municipalities, nor have payments been applied ahead to the next tax seasons. Fay servicing will not tell me where these over-paid funds are, or even provide the figures ( actual bills ) they are using to calculate my escrow payments. In a simple county search of my 10 tax bills for 2022 I was able to find the actual bills online and compare them to what was supposedly disbursed by Fay ( again, they would only verify these figures verbally on the phone, refusing to provide me a written statement of what funds were paid out per property ) and I was able to find several over-payments and duplicate payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). I recently reviewed my credit report and discovered erroneous information that is not mine. This misinformation is adversely affecting my creditworthiness and character, particularly as I am in the process of securing a new home.
Product: Credit reporting or other personal consumer reports

Theres accounts on my report listed below that I never done any business with they were opened fraudulently under my name and social I need this accounts to be removed immediately! 

XXXX  XXXX XXXX XXXX XXXX owed {$290.00} XXXX XXXX owed {$520.00} 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN XXXX  t to subsection ( c ) any consumer reporting agency may furnish a consumer report un owing circumstances and no other : ( 2 ) In accordance with the WRITTEN ION of the consumer to whom it relates. I NEVER gave any consumer ting agency WRITTEN CONSENT to report anything on my consumer report which XXXXmy rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

In XXXX my spouse and I had to file chapter XXXX bankruptcy due to the economy dropping and me losing my job. This loan that is being reported was attached as a XXXX mortgage in was included in our bankruptcy, we have all documents supporting this. The loan was originally thru XXXX which then later was turned over to Resurgent XXXX in XXXX we still owed them XXXX the bankruptcy courts did file a motion and had this loan stripped/voided officially in XXXX leaving us responsible for the amount chapter XXXX bankruptcy agreed on of XXXX was paid on the principal amount due. It was paid off by the end of our bankruptcy in XXXX XXXX. So in the middle of all this somehow the loan was transferred or sold to New Penn Financial services which kindly removed all false info reported to the credit bureaus and we have been fine with them, but when they sold the loan to Shell Point Mortgage Services. Things went very badly Shell Point who is now unfairly reporting to the credit bureaus saying we are 120 days late, since XXXX XXXX, and our last payment to them was for XXXX in XXXX of XXXX. This is nowhere near correct, we do not know who Shell Point Mortgage Services are, we never sent them any money for anything, we have never dealt with them and the loan was not settled with them! That XXXX mortgage loan was included in our chapter XXXX bankruptcy in XXXX, by XXXX was considered stripped/voided in the bankruptcy and the only way we know it is in fact the same loan is because we matched the acct last XXXX numbers they show on the account to the Resurgent XXXX acct that our loan at the time was being paid back too. This was an original XXXX mortgage loan from back in XXXX XXXX. Shell Point Mortgage Services keeps sending false update payment info to the credit bureaus and they are reporting false information about this acct. We need help. Our hands are tied We have XXXX XXXX Firm helping us get all our credit reports corrected, but Shell Point stays XXXX step ahead of them and keeps changing it, they started doing this to me and my spouse last yr in XXXX and keep falsely sending incorrect information about this dead acct in order to keep hurting our credit. We need them to stop!!! We ca n't do anymore we have proven all our info, and what happened in the bankruptcy to Shell Point, to XXXX XXXX, and to all XXXX credit bureaus we do n't know what else we can do. Please help!!! We ca n't afford to hire an attorney to sue this company for harassing us by unfairly reporting false information and updating it whenever they want with the credit bureaus making it look like a current 120 day late acct, when it is not!!! We have recently discovered XXXX XXXX XXXX, Resurgent XXXX XXXX XXXX, New Penn Financial and Shell Point are all related companies, which in turn makes it to where the loan is still being pursued by the same company included in our chapter XXXX bankruptcy.