23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian is reporting this account Please see attached I am filing this complaint regarding the inaccurate and misleading reporting of my XXXX XXXX account ( Account # XXXX ). The account is reported as charged off with a balance of {$3000.00} and a past-due amount of {$3000.00}. However, this reporting is inconsistent and violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which mandates accurate and complete reporting by furnishers.

A charge-off indicates the creditor has written off the debt as uncollectible. Reporting both a charge-off and a past-due balance is contradictory and unfairly impacts my credit. Additionally, this account was last updated in XX/XX/year>, but the information remains incorrect and incomplete. 

I am requesting that the CFPB investigate this issue and require the immediate deletion of this account from my credit report to ensure compliance with federal laws. The inaccurate reporting is causing undue harm to my credit score and financial stability. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND time contacting you about a IDENTITY THEFT issue that was not handled. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report nor to open any accounts. 

I recently went to XXXX 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses and Inquiries below are not mine and were attempted to open and also opened up fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Attached are screenshots of the accounts I stated that are not mines and also documents from my recent XXXX Breach. Also are screenshots of each account twice so that there is no mistake this time with the name or company.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a XXXX XXXX monthly installment plan for a XXXX XXXX purchase of {$210.00} on XX/XX/2024. Despite having an established XXXX account and frequently using their pay in XXXX payments and monthly payment plans, I was denied for this purchase for serious delinquency from information provided by Equifax Credit. After the denial, I accessed my Equifax online account and could not find any evidence of any serious delinquency in my credit report. I attempted to file an online dispute with Equifax regarding the alleged serious delinquency but it was impossible to submit any such dispute because no installment account or revolving account on my credit report with Equifax that I currently have or have had at any time in the past shows any such delinquency. The negative information provided by Equifax to XXXX XXXX in the crssir decision does not allow me to refute any false statements of serious delinquency through their online dispute process and offers me no due process.
Product: Mortgage

I started working with XXXX XXXX XX/XX/2020. I choose Wells Fargo because they had a good rate and the origination cost were reasonable. I agreed to {$1700.00}. I was first proposed 2.75 % interest rate on XX/XX/XXXX and was told that she could not lock me in because she did not have the purchase agreement. The following day she locked my rate in, still without the agreement, forcing me to pay a discount fee to lock in the rate. I had asked her if there would be additional fees later and she said that everything was outlined in the loan estimate. The fee was around {$500.00}. I paid that because I knew I would only have to pay that one time fee and then just the downpayment and closing cost. My loan estimated that my closing cost was around XXXX with XXXX in escrow ( for a total of XXXX ), now I am being told that I will need around XXXX in order to close on my house. I was told my DTI was good, and now all of a sudden it is not. My origination fees on the original document went from {$1700.00} to close to XXXX. This is not fair to me. Something needs to be done about this. I have been in underwriting for more than a month now. This is very frustrating. I'm being told that my student loans are the reason why my origination fee changed even though I was told that it would not change.
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Il XXXX On XX/XX/2018 XXXX XXXX XXXX send me a letter I owe them XXXX ... ..So send them a letter on XX/XX/2018 saying I have no knowldge of this debt before 30 days after there letter was send out ... .180 days later the debt was reporting on cedit report that I owe XXXX which is the wrong amount ... ... Now on XX/XX/82018 I send a dispute letter to them on what I seen on my credit report 45 days no reply ....
Product: Money transfers

After cancelling my XXXX XXXX in XXXX of 2016, I received a preloaded visa debit card with a refund of XXXX on it. Enclosed with this card was information on having the moneys transferred to my bank ( XXXX XXXX XXXX ). I filled out the form for Citi Bank and requested them to transfer the moneys, these moneys have never to date made it too my account. I was given a case # by XXXX XXXX. I have contacted Citi bank several times in the last six months and all I am told is that the funds where sent and this case is closed and I should contact my bank. I have contacted XXXX and they told me today finally to call back Citi and ask them for the XXXX # and the ACH tracing # and the Settlement Date. Today XXXX/XXXX/2016 I did contact Citi for this information and was told by them that there was no XXXX # or ACH information for this Visa account ( card XXXX ). I was also told that if the moneys did not get to my XXXX account that the card would automatically be put back on the card. That is very interesting as on the back of this card it is clearly marked non-reloadable! I believe what has happened here is that I yes I missed placing a ( XXXX ) in the bank transfer number info. For my account info I typed in XXXX, this number should have been and is XXXX. I have tried diligently to explain too Citi that I made this mistake and request them to investigate and either reload the card or issue a new card with the money due me XXXX, They have done absolutely nothing and are at this point just giving me the run around. I did also make certain that Citi had the correct routing number XXXX. I am very frustrated to this point and would respectfully request your support and help in this matter. I feel that although this is my error for not getting my bank number correct, this is still money owed me and in fact with this information that I have supplied Citi it should be a fairly easy problem to correct. I believe that Citi just plain does not want to do what is the correct thing and make certain that I receive the moneys due. Sincerely and Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX tele : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. Very XXXX, XXXX XXXX
Product: Credit card

I purchased a pool on XX/XX/XXXX, I was notified a week and half later that the charge never went through on the buyer end. But according to my credit card statement it was taken out of my account. I was notified by the buyer they would try refunding me. It never showed up on my end with the credit card company. I was told by the credit card company I needed to dispute the charge and I paid the buyer with another form of payment. A dispute was started around XX/XX/XXXX I submitted an email from the buyer stating they were refunding me and I submitted receipts. I also submitted documentation that I paid the buyer by other means. My dispute came back that I owed the {$7000.00} dollars. I called to talk to the credit card company I was told I needed to submit another dispute and wait another 60 days. When I asked why it was denied I was just told insufficient documentation. I asked why another dispute would change the outcome I was told that it I just needed to try again.
Product: Money transfer, virtual currency, or money service

Hi On XX/XX/XXXX XXXX, opened checking and saving account at Citibank. {$1000.00} to checking account, {$50000.00} for saving account On XX/XX/XXXX XXXX I received a letter from Citibank, " say they can not deliver my statement by email '', I went to my account check, and then found My all money was withdrawn by someone on XX/XX/XXXX and account was closed, but it is not mine. I checked, but my email address and phone both are correct. 

On XX/XX/XXXX and XXXX XXXX, I spent several hours to call, nobody can give me some reason and just told me my money was withdrawn and account closed. I called fraud phone, at first 2 people told me and ask me give time to check and then hang up my phone, Finally one lady told me I will receive a letter last week and express what is happen, but I don't receive this letter. I do not know how can I get this money back. so I ask you help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 002.142 ( b ) ( 4 ) -5 -- 1002.42 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I listed accounts to be blocked and deleted company information Transunion. Please delete the following account -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PNC has made a change that no longer lets you link your account with XXXX, presumably in an effort to keep customers using their in-house XXXX platform. That changes, or I leave PNC. It's that simple.
Product: Debt collection

XX/XX/XXXX XXXX  Dispute Department Please be advised of the following facts. First, since XXXX I have possessed an account with American Express. Throughout that entire time I maintained my account in 100 % good standing. In XX/XX/XXXX I was involved in a motor vehicle accident resulting in a serious XXXX XXXX XXXX. Due to this injury there have been numerous negative consequences to my life. Among these has been a severe hit to my income stream and my ability to service debt. When I was able to resume some level of function I contacted American Express advising them of my situation. At that time they promised to work with me in an effort to resolve the matter without damaging or destroying my credit in the process. Last month I received a written letter from American Express telling me that they had turned the matter over to a collection company by the name of XXXX XXXX. Since then I have received threatening correspondence from XXXX. Likewise, I see that my FICO score has been severely and negatively impacted by all three credit reporting agencies. 

According to the CCPA of XXXX as well as the XXXX XXXX   XXXX XXXX and subsequent legislation, consumers suffering serious medical injuries, such as those I suffered, are supposed to be provided with certain reasonable protections, among these being some level of protection from unfair, damaging practices by creditors. Indeed, I have come to learn that in seeking to ease the burden of physically XXXX consumers these mechanisms were put in place specifically to avoid the sort of misery I am now being subject to by American Express and XXXX XXXX. By taking the aggressive and negative steps these people have taken against me they are making a painful, horrible situation far worse. 

I understand the need of such companies to protect their interests. I sincerely hope that your agency may perhaps offer some fragment of assistance in helping to protect mine.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, and I've attached a copy of my report to this complaint of the following date XX/XX/2023, and I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

Deposit XXXX ( {$1700.00} ) Dispute filed XXXX ( {$650.00} ) Chime closed my account XXXX Dispute approved XXXX after account closure Closing Statement ( XXXX ) {$730.00} balance {$650.00} disputed approved Check received for XXXX ( XXXX ) Will not answer email, customer service is a joke. 

XXXX months later nothing but XXXX. 

Terms and agreement states 30 days after closures. Amount will be mailed.
Product: Credit reporting or other personal consumer reports

I've submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. I provided details of the accounts and highlighted the violations. It's been over 30 days without a response. Attached are copies of all the letters sent. 
This company has violated FCRA Section 623 ( a ) ( b ) by failing to mark the account as disputed. Additionally, they have violated FCRA Section 605 ( c ) by incorrectly reporting the date of last activity instead of the last payment date. They also continue to fail to validate the collection account, violating FDCPA Section 809 ( b ) according to FTC guidelines.
Product: Credit reporting or other personal consumer reports

I am submitting this request to formally dispute certain items on my credit report that I believe are the result of fraud. I have identified the following items as fraudulent, as they do not belong to me and were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX, XXXX XXXX Balance : {$740.00}, XXXX XXXX Balance XXXX {$290.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, Equifax is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion.
Product: Debt collection

XXXX ( a 3rd party debt collector ) continues to call my girlfriend ( on her mobile phone ) during work hours.The collection agency has been told more than 4 times to not call her. It has been made very clear that she has no relation to the accused debt. The collection company has shared that it is a an attempt to collect a debt with my girlfriend. The debt collector refuse to call me directly so i can dispute the charge, but calls my girlfriend repeatedly instead.
Product: Mortgage

My loan was transferred to Valon in XXXX XXXX XXXX. I had no escrow for years with the previous lender. Suddenly an escrow was placed on me on XX/XX/XXXX. I sent Valon proof I had insurance in XXXX, XXXXXXXX XXXX XXXX and there was some type of error on their ledger from the previous lender as the previous lender never charged me for lender place insurance or forced an escrow on my account. Valon forced an escrow on my account and changed my payments. They were supposed to refund me and fix my payments and have no stoped answering my emails and do not call back.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have file FTC report. Please remove these unauthorized inquiries and inaccuracies from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX, XXXX, and Experian are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws.
Product: Mortgage

I bought my house in XXXX of 2016 and got a Jumbo loan for XXXX XXXX from wells fargo@3.375 % APR interest rate with the plan of selling my old home and paying off large sum of loan. At the time of the loan, I was told that when i sell my old home i can pay off the balance and recast the loan and bring my monthly payment down. I now want to payoff XXXX and bring my loan down to XXXX. I have been trying to contact wells fargo and they are not allowing me to do the recasting.
Product: Credit card or prepaid card

I had some fraudulent activity on my credit report back in XX/XX/2022. Due to my score decreasing Amex reduced my credit limit from $ XXXX to $ XXXX on my blue cash back card. They also reduced my spending limit on my Gold card. I have submitted all documents they have requested and they still have not done anything to reverse the credit limit. The credit limit decrease also brought my score down. I just got off the phone with them and told them to pull my credit report again but they did not want to review it again. My score is XXXX and I do not have anymore negative fraudulent accounts reporting. There is no reason why they should not reverse my credit limit to $ XXXX. I've always paid my credit cards on time and have always kept balances under 10 % I've always recommended Amex to everyone I know including my clients but right now I am very disappointed with them. 
Could you please investigate this issue for me please. I have attached a copy of my credit report
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. These are inquiries on my Experian credit report that is fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Macys doesn't mail the credit card statement to charge late fees and interest. 
this is how they make their money. I was paying careful attention to the website, trying to figure out why I wasn't getting statements. i always opt for the statements coming in the mail. it is still the best way to pay attention to paying your bills. 
when I noticed Macy 's scam. there's a small checked boxed for no statements that pops on the screen. it's not obvious and can easily be passed by. it is very fraudulent and should not be automatically checked in by Macys. 
I am requesting all my money back. all late fees and all interest. 
they also should not be allowed to have an interest rate of 26.74 % I will attach screen shot.
Product: Debt collection

At this very moment this collection is hindering my husband and I from moving into a home that we can afford. It's very stressful and hard jumping from apartment to apartment and still maintaining two car loans. I'm very stressed out and this is really affecting my ability to succeed in society as well as it's affecting my relationship with my husband. Being in this position does not allow me to put my children in a good schoo, get them assistance they need when visiting hospitals, on top of that I'm on falling deeper into debt due to my credit because of having to pay higher than normal fees. I currently have no criminal history no felony or misdemenaor. But yet I'm unable to purchase the home of my family 's dream. I hope your day is going well, but I need your help. I noticed the following issue with this account on my credit report. I did not authorize nor know anything about this account listed. This is a fraudalent account. I know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )