23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I filed a dispute with Transunion concerning an account from XXXX that was on my credit report that did not belong to me. The account I disputed is listed as : XXXX XXXX XXXX XXXX # XXXX It has been over 30 days since I originally initiated the dispute online. Transunion sent me an email stating the investigation was complete and I was allowed to look at my updated credit report online. When I pulled my Transunion credit report, the XXXX account was still reporting, only this time there was a statement that read : " The following item is suppressed pending credit grantor update '' pertaining to the XXXX account. I called a Transunion representative and inquired about this, in other words, what does this mean? The Transunion representative stated that this meant I was the only one that could see the XXXX account, no other creditors would be able to see this. I asked him if my investigation was complete and he said " yes. '' I asked him to please remove the account and he said he could not, that it has to stay on my credit report for 7 years. This is unacceptable. XXXX needs to either verify that this account does indeed belong to me or simply delete the account. That 's what is stated in the FCRA. No where does it state in the FCRA that an account can be suppressed pending credit grantor update after the 30 days has taken place to complete an investigation. Transunion has had more that 30 days to complete my investigation. Please advise them to delete this account from my credit report since XXXX did not verify this account within the 30 day time frame allowed by law.
Product: Mortgage

On Friday, XX/XX/2023, we were approved for a HELOC but backed out before signing papers and asked for the loan to be cancelled on XX/XX/2023. According to your pamphlet : What you should know about home equity lines of credit on page XXXX, it says : The lender must then cancel its security interest in your home and return all fees- including any application and appraisal fees, paid to open the account. My bank is charging us {$180.00} to back out for the appraisal and application. On XXXX XXXXXX/XX/2023, I questioned this and read this statement to them but they insisted we owe the XXXX 
Does this apply to our situation even though we didnt sign any papers? 

I was not given a loan number.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX  XXXX : Account # XXXX
Product: Mortgage

My home mortgage loan was recently sold to a company called Loancare out of XXXX, Virginia. The first thing they did when they acquired my loan was to increase the amount being held in escrow from the contracted XXXX of the total charges to an amount that is equivalent to XXXX of the total charges. Over the last month, I have repeatedly tried to get them to correct it via phone and e-mail, but they continue to ignore my requests. My total estimated escrow payments for the year 2016 are {$9300.00}. They want to hold {$3100.00} in escrow which is exactly XXXX. The original amount without the increase would have been {$2200.00} which is still over the contracted amount even without the increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XXXX XXXX XXXX  but I haven't got any response from you and according to the FCRA you are required to response within 30 days
Product: Mortgage

Recently received Trial Payment plan for a mortgage modification from my servicer Home Point Financial. The modification payment is incorrect because my escrows were not figured correctly. I have changed my homeowner insurance to lower the premium. The new insurance was sent to my servicer so they would update my escrow account to reduce my monthly mortgage payment. 
Please adjust my mortgage payment for the correct payment including the correct amount for my escrow. I don not want to sign the Modification agreement dated XX/XX/XXXX because the payment is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed an investigation request to Equifax, XXXX, and XXXX XXXX. The bureaus are supposed to conduct an investigation and respond within 30 days. As of today, neither of the bureaus have responded, and more than 30 days have passed.
Product: Checking or savings account

When the 2nd round of stimulus checks were deposited into my Wells Fargo account, I had a negative account, Wells Fargo took it upon themselves to " temporarily '' credit the negative account I was in. I had NO idea this was happening, and I actually would have preferred they didn't do this. On XX/XX/XXXX they decided it was time to pay themselves back the " temporary credit '' of {$320.00} with a days notice via email. If I wouldn't have deposited an estate check a day before ( which really wasn't that much ), that {$320.00} would have put me in the hole and they would have charged me another fee, that statement is per the operator I just talked to. I have been trying to get that money put back into my account and I set up payments and they refuse to do so. So I am out {$320.00} without notice during " trying times '' as they put it and they don't care. I am so frustrated, money is so tight right now and I am just out of that amount just like that. I will pay it back but I honestly can't in full but no one seems to care about the little guy, Wells Fargo is just " nope, sorry ''.
Product: Credit card or prepaid card

I have a Wells Fargo credit card. I was offered a promotional balance of XXXX XXXX for a transfer fee which I accepted and was charged that transfer fee. Subsequent to the balance transfer, I made a purchase of {$280.00}. Within 8 days of that purchase ( within the grace period ) I submitted payments totaling {$300.00} as well as the minimum payment due ( before and after that billing cycle ). I was surprised to see that Wells Fargo was charging me interest at the regular purchases rate for that {$280.00} purchase. Instead of allocating my payments towards that purchase, Wells Fargo is allocating payments towards the promotional rate balance that is XXXX XXXX and that I already paid a transfer fee. With this bank policy, Wells Fargo will continue to charge the regular interest rate until that promotional balance is paid for thereby negating the entire purpose of accepting the promotional rate and paying that transfer fee. This appears to be an unfair practice by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran my report which gave permission for the following to run my report ... 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted these places and they will not delete them because XXXX XXXX MADE THE AUTHORIZATION.. 

The problem is that I did not authorize ANYONE to do this. My ex girlfriend did it without my PERMISSION!!! My credit has been effected negatively and need this to be removed ASAP. I tried writing letters ... They all came back saying that they couldnt delete it ...
Product: Vehicle loan or lease

On XXXX  XX/XX/year> i put down a deposit of {$500.00} for a new XXXX XXXX car at XXXX XXXX XXXX XXXX NY. The sales person XXXX XXXX told me the vehicle would be in next week. Then he tells me XXXX week of XXXX and then end of month. I told me I can not wait. On XXXX  XX/XX/XXXX, told me there is a similar car he could get and I would have to go through XXXX % financig. I asked him multiple times that day if there were any fees attached. He said no. After waiting XXXX hours I see the financing person XXXX and he tells me there is a loan origination fee if {$1800.00}. I was surprised. Since I needed the car I felt I had no choice but to accept this. Pleas help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX, FL XXXXXXXXEquifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX stating that I wanted incorrect information on my report with your company to be removed. I submitted documents confirming the prior deletion of this information with your company and the other bureaus. 

This information was re-inserted onto my report. I requested this information be re-investigated to which your response was a series of vague statements as to the details of the process in which these items are investigated. 

You also asserted that I did not specify which credit furnishers I was requesting to be investigated. I have attached a copy of my report showing prior deletion of information from XXXX XXXX which was opened on XX/XX/XXXX and has a balance of {$21000.00}. 

So to address your requests and concerns, XXXX. NO SPECIFIC CREDITOR XXXX NAME WAS PROVIDED XXXX. PLEASE PROVIDE THE NAME OF THE XXXX XXXX YOU WISH TO RECEIVE A COPY OF YOUR REVISED EQUIFAX XXXX FILE. 

I have attached a copy of my credit report showing the prior deletion of this information. Please comply with my request to remove this information from my report immediately. 

I have also attached a report from XX/XX/XXXX which does not contain this information. 

I have also attached a highlighted version of your response to your previous complaint in which you vaguely detail the process in which you and the credit furnisher verify this said information. I would like more explicit detail as to the verification process employed
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to have these unrecognizable inquiries off my credit file for the longest because I never authorized the business that ran my credit to run my credit.
Product: Credit reporting

I filed bankruptcy in XX/XX/XXXX not XX/XX/XXXX and I have never lived at XXXX places shown on my credit report. Thank you, XXXX XXXX
Product: Credit card or prepaid card

I received a Brinks Money Prepaid Mastercard in the mail. The card displayed my name, and came to my home address through the mail. I have not requested the card, and am not sure if it is a scam. It does appear to be very shady practices, and possibly illegal. The card has a activate telephone number to call, and a bank routing number and account number. The routing and account number is not my personal bank or account but it is alarming that the card is requesting I send a copy of my employment check. I do no know how Brinks obtained my name, and address, but I am concerned it is possibly fraud, or illegal consumer practices. I do not wish to receive any offers of credit or any other financial services from Brinks Money Prepaid Mastercard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXXXXXX XXXX XXXX  in accordance with the Fair Credit Reporting act XXXX XXXX  # 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
Product: Credit reporting or other personal consumer reports

I REQUESTED A FORBEARANCE PLAN DUE TO A NATURAL DISASTER IN XXXX AND THE DAMAGE IT CREATED ON MY HOME. I HAVE TO PAY OVER XXXX TO REPAIR THE HOME. ONCE GRANTED THE FORBEARANCE IN XXXX I STILL MADE PAYMENTS OF WHAT I COULF AFFORD. XXXX CAME AND THE CONSTRUCTION WORK STILL ISN'T COMPLETED AND THEY DISCOVERED MORE ISSUES. I REQUESTED AN EXTENSION IN XXXX BEFORE THE FORBEARANCE ENDED XX/XX/XXXX. I WAS TOLD TO UPLOAD THE BID FOR THE WORK BEING DONE AND I DID. DURING THE FORBEARANCE THE COMPANY CALLED ME EVERY OTHER DAY AND PUT A NOTICE ON MY DOOR. 


WHEN I CALLED AND ASKED ABOUT THE EXTENSION BEFORE IT WAS OVER I GOT NO ANSWER BEFORE THE FORBEARANCE PLAN WAS OVER. AFTER THE PLAN ENDED, THEY STARTED TO CALL ME EVERY DAY STILL NOT RESPONDING TO MESSAGING ON THE SITE. WHEN I CALLED TODAY, THEY ARE CLAIMING THEY NOW NEED A UPDATED BID SHOWING WHAT WORK STILL NEEDS TO COMPLETED. NEVER SAYING THAT BEFORE. AND SHOWING IM PAST DUE AS OF TODAY ON THE LOAN. 

THIS COMPANY ALSO DID NOT INCLUDE MY XXXX EXEMPTION TO MY ACCOUNT AND PAID THE INCORRECT AMOUNT OF TAXES AND CHARGED ME THE DIFFERENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to resolve incorrect payment information. I filed Ch XXXX and an account incorrect continued to report late payments. Experian INITIALLY fixed the problem, then months later reinserted the wrong information. In fact, their 'before and after ' image clearly shows this. 

None of these accounts had late payments, I had an automatic stay put in place. I have disputed the information but they still produced incorrect information. I have tried, many times, to have experian fix it only for them to MAKE IT WORSE and add additional late days.
Product: Debt collection

Although Wells Fargo is not attempting to collect the debt at this time, they are punishing me through incorrect credit bureau reporting, in violation of the Fair Credit Reporting Act. Wells Fargo continues to report vastly different information to each of the credit reporting agencies about a line-of-credit loan which was paid in full through Chapter XXXX, including the reporting of past-due amounts even during the final year of the Chapter XXXX repayment period! 

Although their reporting to XXXX is the most damaging of the XXXX, there are errors on all of the credit bureaus ' files. 

After disputing multiple times with the credit bureaus, only to have no updates done, I have sent Wells Fargo a letter asking them to please correct the inconsistencies and provide all three credit bureaus with the same information update, but they have not responded to my written complaint.
Product: Debt collection

Penn Credit Corp stated I owe ( XXXX XXXX ) an amount that I paid & my utility supplier ( XXXX XXXX ) paid when I moved XX/XX/2015 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX FCRA section 623 ( a ) ( 1 ) ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Contains incorrect Information address and is not my account XXXX XXXX XXXX  also being reported on all 3 bureaus conflicting account opened dates this account was also opened in XXXX but conflicting on all reports XXXX XXXX  also not my account conflicting information on all 3 bureaus address I did not live at I have reported my identity being stolen or used I have been successful with some and not all they won't delete I have disputed items I also have been compromised on the dark web in 3major data breaches in the bureaus XXXX also not my account also being reported to all bureaus in question this account was opened in XX/XX/XXXX also conflicting dates opened in reports wrong address used too open account XXXX XXXX XXXX opened XX/XX/XXXX Also not my account wrong address conflicting information XXXX account paid by a payday loan direct deposited into this account before closed and still they report this as unpaid derogatory XXXX also XXXX being reported numerous times under different names being reported as secured and it is not secured with anything at all also conflicting information addresses amounts and information Under FCRA it is my right as a citizen too have these accounts removed from my reports that are being reported as derogatory closed collections wrong addresses conflicting names addresses my address amounts personal information I have disputed these with the CRA and got nowhere my life is in shambles these accounts are hurting me from building a proper credit profile that I need too move forward in life for my family I do not know what else too do I need help getting these items removed from my reports im hoping this is the right way or my right option because nothing else has worked thank you for you time
Product: Money transfer, virtual currency, or money service

Kraken offered a promotion for {$50.00} in Bitcoin. The requirements were to open an account via their app. Deposit {$25.00} via XXXX  trasnfer and made a {$10.00} or XXXX XXXX. I completed all of these and they are making excuses that I didn't setup my account correct and are refusing to pay. I would greatly appreciate help in this matter.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert fro my credit profile
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit card or prepaid card

Capital one claims although my sister stole my purse with all my forms of identification along with cell phone and car while I was at work that I am still responsible for her using two capital one cards and maxing them out on purchases of gift cards that she could sale on street fro XXXX. Someone has to help me more than just report it demand them to help me this in itself is robbery. Please I have suffered enough.
Product: Mortgage

Since I 've already paid into the process of the inspection, the refinance office has been especially slow in answering questions I have to get my loan processed. They have at times made me wait 48 hours ( possibly longer as I 'm still waiting ) for an answer to valid applicable questions.