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

It has ben tree months now that I have tried to fix my credit and these the credit bureaus have not helped much! In fact they have ben violating my rights under the FCRA! Below I attached all my attempts to fix this issue through letters! I am desperate to get credit lines so I can pass by these hard times! I am seeking help from the CFPB because I dont know what els to do! 

Please help!
Product: Credit card or prepaid card

Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609. I am requesting information about the following 2 items on my credit report. 1. Capital One account # XXXX and 2. Capital One account # XXXX Please provide me with copies of the original sources for the items reported. That includes contracts or service agreements I signed. If this information is not available, please note that the validity of these items can not be determined. Please remove them from my credit history. My identity was stolen in XXXX and there were purchases that were made on my accounts that were not my charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

this mortgage was foreclosed on XX/XX/2019 however Gateway mortgage group repeatedly re-ages the account showing as late then current then foreclosed. this has caused me and my family irrecoverable harm. This account has never been reported correctly
Product: Money transfer, virtual currency, or money service

Hello. This is XXXX XXXX in reference to claim : XXXX. 
Right after receiving communion from consumerfinance yesterday, I received a phone call from XXXX Call from XXXX XXXX he didnt share his last name ), who said he's from corporate office of XXXX through PayPall services. He said he's called about the current issue I reported with my XXXX account and services I received so far. XXXX was very unpleasant, rude and unprofessional to say the least. My communication with XXXX was frustrating, upsetting, and disheartening, especially when I was seeking help on resolution of the issue. XXXX was saying the same thing over and over again without hearing what I was trying to say or explain, he was interrupting me, raising his voice, speaking in a condescending tone, showing a lack of patience, and even dismissing concerns outright. This kind of behavior made me feel as XXXX customer unvalued, harassed, and unprotected. I said that to XXXX many times during conversation, and he continued with the same behavior. Good customer service should be centered around active listening, professionalism, and empathy, but when these qualities are absent, it creates a negative experience that discourages customer loyalty. I seek your help in actions taking against this individual, so no other customers have to suffer through this harassment.
Product: Credit reporting or other personal consumer reports

Toyota Motor credit is reporting late payments on my account that need to be removed. I opened this account with Toyota and had a specific checking account that this came out of. We always have funds available in that account so my wife and I put it on auto pay. I got confirmation of the ACH being set up and left it as I figured it was set and done. Come to find out when I pulled my credit that there were several lates. I called Toyota and got current but they weren't able to tell my why payment was never drafted if auto pay was set up. I went ahead and set it again on auto pay and it didn't work once more so I got caught up again but this was not my fault.
Product: Credit reporting or other personal consumer reports

I can provide general dates and amounts that are accurate. For precise amounts and dates I just confirmed those with Barclays and I relate those here. 

I had a late payment to Barclays Jet Blue MasterCard in XX/XX/2023 of less than {$20.00} which was a few days late. I was assest interest/late fee of {$3.00} which I was not notified of before I had paid the full XXXX balance. In XX/XX/2023 I apparently made no payment and interest/late fee bringing the balance to XXXX of XXXX when Barclays reported my payments as late to credit reporting bureaus. 

As soon as I was aware of my missed payment I paid Barclays the full amount due ( including all penalties and interest ). At that time I happened to check my credit score which had gone down over XXXX points based solely on this one incident ; having watched my credit score for some time and knowing they are generally secret and make no logical sense I am XXXX XXXX sure this was the cause. 

I called Barclays and asked them if they could change their reporting to the bureaus to reflect my on time payments with the exception of these minor balances that were unpaid because I have XXXX XXXX that contribute to my XXXX ( XXXX XXXXXXXX ) and had forgotten to set up automatic payments for this account, as I have for my other accounts, paying the full balance due every month. 

I know the lender can change these flags to reflect on time payments or not reported for a specific period. 

The agent said she couldn't assist me, therefore I immediately closed the account to prevent possible issues in the future with a lender that reported a missed payment on a balance of {$7.00} that grew to {$16.00} by the time when I paid it off then closed the account. The charges reported paid late were all interest/penalty assessed by Barclays after I missed the full payment in XXXX and missed the XXXX payment. 

This is a card I very infrequently used and since I hadn't made any charges on it I was unaware of the balance due. 

I called Barclays again today and asked for their help to resolve this issue. I was informed by the agent that they needed to refer my call to a supervisor. When she then answered the transfer she said Barclays could not help, although it was inclear if she had the authority to assist me as she was employed by a call center in the XXXX.
Product: Mortgage

I am filing the same complaint again for resolving my issue about fraudulent practises of bank of America mortgage.I need help from CFPB to resolve my issue. What they were saying was wrong about my complaint .when i applied for the disaster forbearance they did not say that i want to participate in the modification program.The customer service agent told me that they will extend the mortgage for extra 3 months. If they told me that i need to participate in the forbearance plan i will not take part in the disaster plan. 
Mortgage company resolved the same issues by extending the loan for extra 3 months.why they are not doing this for me? 
I strongly believe that if i took the modification program they can not cancel my PMI, and if they extend the loan like all other companies did, then i am not at default with my loan and they need to cancel PMI.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : {$11000.00} I believe the information being reported to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute about fraudulent and inaccurate information on my credit report. And Trans Union and XXXX  are still reporting the information on my credit report illegally. At first I sent them the police report about my identity being stolen and they still didnt fully complete their investigation. They either said they can't honor my request or they verified the items. Which is illegal, how can you verify a fraudulent account? Im attaching the two letters I sent. These companies are still legally reporting. They also are taking forever to reply to my claim which is also against the law. I even filed a complaint with FTC and I plain to sue if necessary. I sent my first letter months ago, and they are still illegally reporting inaccurate items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an error in the reporting of an account type, and additional related details of my loan account. I have filed at least  4  disputes to try and correct this issue, each time the dispute is considered " resolved '' with nothing changing and no reason for lack of change. I faxed a bank statement indicating account type, and a comparison of the output credit report showing the differences between the same account between Transunion and another bureau on   XXXX    I called many additional times to both the bank and Transunion with no resolve. On   XXXX     I spoke with  XXXX  a  (   XXXX  in the Special Handling Department  )  and she stated that the faxed documentation she received did not provide enough support to change the account type. I asked why the Banks own Statement indicating account type of " HELOC '' was not sufficient. She stated " we can not tell you that it is proprietary. '' How is a consumer supposed to meet some " proprietary definition of proof '' when it can not be told to them.  XXXX  and Transunion show no willingness to help the consumer and go remotely out of their way to protect the consumers credit standing. Transunion needs to truly resolve this issue instead of faking it by closing disputes without even considering the information a customer submits.
Product: Checking or savings account

My Wells Fargo account was hacked and money was taken without my consent on 3 different occasions. The amount totaled {$1900.00} and was transfered through the money app XXXX. 
I alerted my bank after the first transfer and they changed my card but it did not work. 
I then had two more charges that had no information attached. 
I submitted a complaint on XX/XX/20, XX/XX/20 and called multiple times without answers for help. 
I contacted XXXX and was sent to go to my bank. 
The investigation said that I had allowed this transaction and that was false. 
I have not been able to speak with someone for help and have to send in an appeal. 
Wells Fargo and XXXX took no responsibility and no notification of my bank account being drained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX, a creditor reporting information on my credit reports, and XXXX, Experian, and XXXX, the credit reporting agencies. I have discovered significant discrepancies and conflicting information on my XXXX credit reports, which are causing substantial financial harm and hindering my ability to secure a mortgage for a home purchase. 

The crux of the issue lies with two XXXX accounts that are being reported to all three credit reporting agencies. Although the accounts are the same, the information being reported to each agency differs significantly, resulting in inconsistent payment histories and misleading representations of my creditworthiness. 

Upon noticing these inconsistencies, I promptly initiated an investigation dated XXXX/2023 in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ) ( B ) ( ii ). XXXX, Experian, and XXXX each claimed to have conducted an investigation and assured me that any inaccuracies would be rectified. However, despite their assertions, the updated credit reports dated XXXX/2023, XXXX/XXXX/2023, XX/XX//2023, and XXXX/2023, all contain the same exact inaccurate and harmful payment history being reported in three different ways to each of the three agencies This continued inconsistency is deeply concerning and proves without a doubt that a fair investigation was not conducted, as the discrepancies remain unresolved. 

The gravity of this situation can not be overstated. These discrepancies have caused me significant financial damages, as they have negatively impacted my creditworthiness and hindered my ability to obtain a mortgage for my intended home purchase. Despite my repeated attempts to resolve the matter, a fair investigation has not been completed, thereby prolonging the adverse effects on my financial standing. 

In light of these circumstances and in accordance with 15 U.S.C. Section 1681i ( a ) ( 1 ) ( A ) & 15 U.S.C. Section 1681i ( a ) ( 5 ) ( A ), I demand that the two XXXX accounts in question be promptly and permanently deleted from my credit reports. Furthermore, I request a thorough and impartial investigation into the handling of my dispute by XXXX, Experian, and XXXX, to ensure that all relevant facts are considered and the appropriate actions are taken to rectify this situation. 

I have attached copies of the conflicting credit reports, along with any relevant correspondence and documentation, for your review and reference. I kindly request that you investigate this matter promptly and provide me with a written response outlining the actions taken to address these discrepancies. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure a fair resolution and rectify the damages caused by these inaccuracies. I eagerly await your response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has sent me an update for the XXXX renivestagation of an identy fraud case after i have requested the documants that they are using to do the reinvestigation many times nothing had ever been even they only re add the collection to my account after the collection agency sent a letter for them to remove the id fraud case is part of the same account they keep adding also i have signed up for thier service and they will not give my scores they continue to ask for payment. I have canceled the service and my information even on the free site is not there i sent many cert mail and called them many times to have the information given this is a violation of my rights INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX, Phone number not available ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$28000.00} Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$0.00} ) Last Payment Made : XX/XX/XXXX High Balance : {$32000.00} Original Charge-off : {$34000.00} Past Due : XXXX $ XXXX Pay Status : >Charged Off< Terms : {$0.00} per month, paid Monthly for 80 months >Maximum Delinquency of 120 days in XXXX Remarks : DISP INVG COMP-CONSUM DISAGRS ; >UNPAID BALANCE CHARGED OFF< Date Issued : XXXX XX/XX/XXXX Page XXXX of XXXX INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
XXXX XXXX XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated. Here is how this account appears on your credit report following our investigation. Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$22000.00} Date Updated : XX/XX/XXXX Payment Received : ( {$0.00} ) Original Amount : {$22000.00} Original Creditor : XXXX XXXX XXXX XXXX ( Financial ) Past Due : XXXX $ XXXX Pay Status : >In Collection< please see att proff of comany request to deleted also those company are not legally allowed to collect debt in florida
Product: Mortgage

I was approved for a VA home loan from M & T Bank in XX/XX/2020 for XXXX. We found the house we wanted for XXXX and The total loan would be around XXXX. Before the appraisal we where told that there might be issues with the VA approving the loan for a modular/ manufactured home, and the VA exception board would have to approve the loan, and it could take up to 10 business days to hear a reply after the underwriter received the  appraisal and submitted the paperwork to the exception board. We had a VA loan before and where certain that The VA would approve our loan. We asked that they go ahead with the appraisal. My wife received a call from M & T Bank expressing that the appraisal would not be covered by closing cost and we would have to pay out of pocket XXXX for the appraisal before they could order it. I gave the person my CC number and the transaction should showed up as processing the next day, but never showed as a complete transaction on my statement. The appraisal was done and turned in on XX/XX/2020. I only just now received a copy in XX/XX/2020. We repeatedly asked for a copy of the appraisal to give to the seller who also had not received a copy. They told us that only the underwriter could view the appraisal. Only after M & T Bank Officially turned down our loan on XX/XX/2020. That we found out M & T Bank does not approve manufactured home loans of any kind, on XX/XX/2020, it was the M & T Bank exceptions board not the VA that had to approve the loan. On XX/XX/2020. We received a call from the loan officer saying  the loan had been declined. We Really liked the house so we went with a new lender on XX/XX/2020 and requested the Appraisal be forwarded to the new lender. The new lender and myself repeatedly contacted M & T Bank and requested Access to the appraisal via the LINN. We received no response. The new lender had there or corporate get involved before we received any kind of reply on XX/XX/2020. It still took them till XX/XX/2020 for us to access the appraisal. Only after they informed us via phone call that we would not be receiving the LINN number till they received the check from my current lender to pay for the appraisal. Of course the payment was for the VA, who had locked to appraisal till it was paid for. Which I have been told by the VA that is not true.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of identity theft, which has led to several fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and I am requesting immediate action to address them. 

ACCOUNTS - XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX INQUIRIES- XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX I have already submitted an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent items to ensure the accuracy of my credit report.
Product: Debt collection

Portfolio Recovery placed a negative remark and debt collection on my credit report in XX/XX/XXXX. Since I am not indebted to them for {$6100.00}, I sent their registered agent, XXXX XXXX XXXX, a debt validation letter. They received this certified letter XX/XX/XXXX but have not responded to it nor have they stopped collection efforts - their negative remark is still on my credit report. Per FDCPA federal law, it is unlawful to report a debt without first validating it and further, collection agencies are required to provide debt validation when asked and to cease collection during that time. Portfolio Recovery is expressly in volition of 15 USC 1692g and has provided me with legal standing to sue if they do not act in accordance with the lawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX provide me a letter for XXXX, Transunion and XXXX  to update my credit scores and credit reporting agencies hasn't updated my credit scores and balance. 
As my utilization ratio is under 30 % in which my credit scores will be increase once credit reporting agencies update my credit and scores. 

I am going through a VA Loan process and I need my credit scores updated immediately so I can get a lower interest rate. 
Why is XXXX, Transunion and XXXX not updating my credit report and scores.? 
Also for XXXX XXXX Loan # XXXX late payments is incorrect as evidence of my XXXX checking account ending # XXXX evidence states that XXXX, XX/XX/2019 auto loan was called in by phone on each month of the XXXX to XXXX XXXX Rep and they took the payments on time. 
Also, XXXX XXXX XXXX loan account # XXXX is on XXXX and not on Transunion and XXXX.It needs to be added to Transunion and XXXX immediately. 

I am XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
Please support me on my XXXX XXXX XXXX XXXX under Department of Justice. 
Very Urgent Matters! 
Does XXXX, XXXX and Transunion have a business partnership with XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance and XXXX XXXX is in violation of the law after being put on notice on numerous occasions, last being XX/XX/XXXX. Informing them they were reporting inaccurate and incorrect information.

15 U.S.C. 1681i ( 2 ) Prompt notice of dispute to furnisher of information : ( A ) In general : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

Furthermore, as defined by the IRS cancelled debt must be reported as grossed income, even if I did not receive form 1099c. Income does not get reported on credit reports.

15 U.S.C. 1681 Congressional findings and statement of purpose : ( A ) accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681b Permissable purpose of consumer reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card or prepaid card

I had a Citibank Mastercard opened around XX/XX/XXXX. I'm thinking several years after I had my Mastercard with Citibank and some other accounts that I had. I had to file bankruptcy do to being unemployed at the time. While within the last 2 weeks I had applied for a secured Mastercard with Citibank and they denied me because I filed bankruptcy in the XX/XX/XXXX. I assumed after a person credit reports were cleared that they can we apply for credit again, and even if it's with the same creditors. 
How can a bank still hold something against a person something that happened over 20 years ago.