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

Complaint against : Experian ; XXXX  and XXXX. Each is reporting incorrect information on my account. Combined they have inflated the balance of my accounts @ {$50000.00}. Additionally, I have repeatedly tried to have my credit freeze temporarily lifted so that Social Security can verify my identity and I can check my account, to no avail. I have written, called and complained, to no avail. Each of the reporting agencies indicate I am delinquent on my XXXX XXXX Credit Card, My XXXX XXXXXXXX Credit Card, and my XXXX card. Each of these cards has a {$0.00} balance and have never been late. Further, ( 4 ) XXXX Credit Cards fraudulently obtained in my name were forgiven by XXXX and written off. I never benefited or used any of these cards nor do I have them in my possession. None of these cards have a monthly payment and I have never been late with any such payment. I never made a payment on these accounts. You can imagine the havoc this is playing with my finances.
Product: Mortgage

On XX/XX/year>2024 an home equity line of credit type loan popped up on my credit report
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification Disputed Item on Credit Report To Whom It May Concern, I am writing to dispute the accuracy and validity of an entry listed on my credit report, which I obtained from your agency that is still on my credit report after I dispute these inaccuracies in XXXX, XXXX. The entry in question is as follows : XXXX XXXX Account Number : XXXX Nature of Dispute : date opened incorrect, date of last activity incorrect, payment history incorrect, date of last payment incorrect Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to a detailed explanation of the steps your agency took to verify the accuracy of this information. Specifically, I am invoking 15 U.S.C. 1681i ( a ) ( 7 ), which requires you to provide a description of the method used to verify the disputed information. 

In addition, I would like to emphasize the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) Accuracy Obligation Credit reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Conduct a Reasonable Reinvestigation Upon receiving my dispute, your agency is required to investigate and verify the accuracy of the information within 30 days. 
15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Notification of Information Furnishers If the information was provided by a third party, you must notify them of my dispute and provide me with the name, address, and contact details of the furnisher. 
I have reason to believe that this information is either inaccurate, outdated, or unverifiable. Therefore, I am requesting that you provide : A detailed explanation of the method of verification used to confirm the accuracy of the disputed information. 

The name, address, and contact information of the source of the information. 
Any documentation or evidence used during the verification process. 
If you are unable to provide this information or if the information can not be verified, the FCRA mandates that the item must be deleted from my credit report immediately. 

I expect your written response within the XXXX period outlined by law. Failure to respond adequately will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my states attorney general, and potentially seeking legal remedies. 

Thank you for your prompt attention to this matter. I look forward to receiving your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 received a credit report alert that I missed a payment. Reviewed the credit report information and found a XXXX XXXX card account ending XXXX being 30 days late. I contacted XXXX XXXX, they verified my information and SSN and no such card populated. 

XX/XX/2022 received a credit report alert that I missed a payment. Reviewed the credit report information and found a XXXX XXXX card account ending XXXX being 60 days late. I contacted XXXX XXXX, they verified my information and SSN and no such card populated. I was advised to contact the credit bureaus. I filed a dispute with all three credit bureaus on XX/XX/2022. 

Dispute came back stating Credit card was verified and correct on XX/XX/2022. I contacted Experian credit burau to get further guidance. They put a fraud alert on my credit report and informed me to file an FTC claim.
Product: Credit card

I contracted with XXXX XXXX in XXXX for a purchase with a monthly payment of {$59.00}, consisting of {$46.00} and {$13.00} for XXXX XXXX, due on the XXXX of each month. 

In XX/XX/XXXX, I made a payment of {$90.00} on XX/XX/XXXX, to cover the regular monthly payment of {$59.00} and an additional {$30.00} to account for a late fee that had been charged on XX/XX/XXXX. To avoid any further late payments, I also set up automatic monthly payments of {$60.00} through my bank starting in XX/XX/XXXX. 

However, I was recently made aware that the {$90.00} payment made on XX/XX/XXXX was applied entirely to my account balance, leaving the late fee of {$29.00} posted on XX/XX/XXXX unpaid. As a result, my account was considered in default, leading to additional late fees in subsequent months due to my {$60.00} automatic payment being insufficient to cover the outstanding charges. I did not become aware of this issue until XX/XX/XXXX.
Product: Consumer Loan

i received offer from 'Avant ' in the mail, for a loan. took {$4500.00} loan, terms were for 3 years, $ XXXX/mo. payments. After 12 mos. I wanted to pay it off. I had paid a total of {$2200.00}. They demanded {$3400.00} for a payoff amount. I wanted to clear up the bill, and that was the only way. The balance would have been {$2200.00}. They charged me an extra {$1100.00} to pay it off. They stated when I talked to them that my rate was 28.4 %. This makes it over 50 %. I know it was n't a great idea to get a loan under these circumstances, but needed the money at that time, and figured I could get it paid off within a year. They basically kept {$1100.00} interest during first 12 months ( said I had only paid {$1100.00} towards principle )
Product: Mortgage

Sometime in XXXX, my loan got sold to Mr. Cooper from XXXX. 

XXXX I missed XXXX payment with my mortgage company. I was out of the country and forgot to pay my mortgage. I am still waiting for a phone call informing me of my mistake. Although they constantly harass me to refinance my house, and I have declined multiple times. 

XXXX Make the total payment of the account and put it in good standing since I had the money to do that. 

XXXX Mr. Cooper increased my payment from {$2500.00} to {$2700.00}. I called, and the second representative told me to submit my documents from my house insurance showing that I made the payments and have been with my insurer since I bought my house in XXXX. ( XXXX XXXX through XXXX ) and I have always made every payment. I have all the electronic receipts. I submitted all the documents, which were sent under review, and have yet to receive an email or follow-up information about my submission, so I assumed everything was fine. 

XXXX I called because I was trying to make my payment, but I noticed that the amount was the same, so I called to see what was happening. Another customer services representative said that my account was not allowed to have escrow because I missed XXXX payment. However, my insurance payment is paid all to XXXX. I asked to talk to a supervisor. After XXXX minutes of waiting, they hang up the phone. I called several times after, and I tried to reach someone. The call is mute, but the phone call is active. I have screenshots and a video of the phone call to Mr. Cooper. It appears to me that they have flagged me since I requested to speak with a supervisor. 

They have also assumed that my property taxes will increase by {$1000.00} when the average increase for my property taxes in the last XXXX years has been {$220.00} per year.
Product: Credit card

I have disputed a charge on my card since XXXX and apple/ Goldman sacks refuses to refund my account. i have disputed this same dispute twice. Once in XXXX and again in XXXX. I provided them with proof of everything. The company that billed me did not provide a service to me and Apple/Goldman Sacks reuses to credit my account. As a consumer i feel like i was robbed not only once by the merchant but also from apple/ Goldman sacks .
Product: Bank account or service

In XX/XX/XXXX, I was a victim of identity theft. Someone was able to access my personal checking account at XXXX by making a phone call. They also were able to use my information to open a new checking account online at TD Bank. {$1000.00} was transferred from my account to the fraudulent account at TD Bank. I spoke with the fraud department at XXXX and they gave me thorough instructions and they investigated the incident. The {$1000.00} was returned to my XXXX account. The problem is that TD Bank persisted in maintaining a checking account in my name with {$1000.00} in it. Since I was reimbursed by XXXX and all activity with TD Bank was performed fraudulently by an identity theft, clearly the money in the TD Bank Account is not mine and the account itself, though in my name with my information, is also not mine. I have called TD Bank and spoken to their fraud department in XX/XX/XXXX. I wrote a letter in XX/XX/XXXX to TD Bank explaining the situation. They persist in sending me bank statements and they deduct fees, {$5.00} maintenance fee and {$1.00} paper statement fee. The {$1000.00} balance is now down to XXXX as of XX/XX/XXXX, due to these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX  XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX BALANCE {$2200.00} XXXX XXXX XXXX BALANCE {$24000.00} XXXX XXXX Balance {$1500.00} XXXX  XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Mortgage

In XX/XX/year>, I secured a XXXXXXXX XXXX XXXX XXXX Rehabilitation Mortgage Loan with Homestead Funding Corp. to finance both the purchase and rehabilitation of a property in XXXX, NY. I relied on the lender 's expertise and the representations made by their representative, XXXX XXXX, regarding the loan 's feasibility and sufficiency to cover the planned renovations. 

However, Homestead Funding Corp. provided incorrect information and misrepresented key aspects of the loan. Specifically, they failed to disclose that the allocated funds were insufficient to complete the necessary renovations. They also misled me about the flexibility of construction draws and the possibility of obtaining additional XXXXXXXX XXXX XXXX XXXX  funding after the initial phase of the project. These misrepresentations led to significant financial strain, project delays, and ultimately, the foreclosure of the property. 

Throughout the process, Homestead 's actions reflected a pattern of negligence, fraud, and failure to comply with legal and regulatory standards. Despite my efforts to communicate concerns and seek resolution, Homestead was unresponsive and refused to offer any meaningful solutions. The lender 's conduct caused me significant financial loss, emotional distress, and reputational harm.

I have filed a lawsuit against Homestead Funding Corp. seeking damages for negligent misrepresentation, fraud, unjust enrichment, and breach of fiduciary duty. I am sharing this experience to warn others of the risks associated with XXXXXXXX XXXX XXXX XXXX loans and the potential for lenders to act irresponsibly, especially when dealing with complex mortgage products.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX XXXX  {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked to resolve this issue with the company at the end of 2018. It was understood that the items would be removed if they failed to provide the required documentation with the 30 day window per the FCRA
Product: Credit reporting or other personal consumer reports

I noticed some hard inquiries on my credit report that i did not respond or authorized and i would like them removed from my credit report this is from XXXX i had XXXX hard inquiries that i didnt authorize XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX Inquiry date XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX Inquiry XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX Amex Inquiry date XXXX XXXX  XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX  Inquiry date XXXX
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$2500.00} XXXX XXXX XXXX XXXX {$1400.00} US DEPT ED XXXX {$7700.00} US DEPT ED XXXX {$5500.00} US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4200.00} US DEPT ED XXXX {$4100.00} XXXX XXXX  XXXX Balance : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaks my personal information, and the information of millions others, and does n't tell any of us, directly, for over 30 days. I learned from the news. Completely irresponsible, the company should be shuttered and its executives driven to bankruptcy. Also, they have the gall to push their services on the site that tells us if we were compromised? Outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$7000.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX XXXX XX/XX/2022
Product: Checking or savings account

Capital one 360 performance checking XXXX Irs check : XXXX My account was frozen due to a certified IRS check and now they are closing mine and my fiance account without a good reason why and will not let me know what is going to happen to the XXXX XXXX dollars that is in my account I've called capital one they've been quite rude and secretive. I've even called the IRS to make sure they didn't send a bad check or anything and they said it was fine shouldn't have any problems The checks in my fiances name which his name is on my account and we cashed it in person spent half of it on our home remodel went to pay a bill and they had frozen my account you would think they would take action before i spent some of it. His direct deposits from work come thru there also. 

It's not like I'm not sending them proof I have sent them his whole tax return from his XXXX. I have sent where the IRS edited my return. Literally sent them everything they need to finish this investigation. 


The investigator has yet to call me, as he had any reason to freeze my account in the first place. I have a XXXX year old and a XXXX year old and I'm having to move in with my parents not because I don't have money but because my bank is HARBORING my money.
Product: Mortgage

XX/XX/XXXX, I started getting behind in my mortgage with Wells Fargo Home Mortgage. As a result of the Affordable Care Act, my Wife had her hours reduced to about 20 hours a week. I had been consulting with my Home Preservation Specialist, XXXX XXXX. She advised that a loan modification would probably be the best route. She sent me literature explaining various programs including a Modification that may extend my current mortgage of 21 years out to about 25 years and would reduce my monthly payment of {$1100.00} and to a more manageable lower payment. She took all my pertinent financial information. By XX/XX/2015 she had me set up with a trial period payment for 3 months of {$1100.00}. After a successful trial period, they would modify the mortgage with payments about {$840.00}. So, in order to make the trial payments, I had to stop paying XXXX personal loans that I had taken out to pay off some IRS debt. After the successful trial period, the best that she said her adjusters could due was extend the mortgage to 22 years to make up for my missed payments which totaled {$5700.00} making my XXXX XXXX payment {$1100.00}. I told her that was {$75.00} more than what I was paying before at {$1100.00}. She went back to the adjusters and allowed me to skip XX/XX/XXXX 's payment and modified the mortgage for a XXXX XXXX payment of {$1100.00}. I still felt this was not helping and is still {$3.00} more than the {$1100.00}. She basically said I had no choice and I could try to refinance with there refinance department. So, I signed the modification to enable me more time to try and refinance. After several inquiries to several mortgage lenders, including Wells Fargo, they told me that they could not help until I had at least 12 consecutive payments. The best Wells Fargo said was maybe six months with a VA loan for which I have a current VA Certificate of Eligibility. At this point, I felt I was ill informed that the modification would have reduced my monthly payment instead of increasing it. Now I am stuck, 5 months delinquent on the XXXX personal loans, and unable to refinance. I can not understand why Wells Fargo could have extended my mortgage out to 25 or 26 years where it would have lowered my payment. I feel that it was unfair for them to lead me into believing that the modification would have lowered my payment as explain in the flyer that they sent me explaining the program. And now as a XXXX American Veteran, I ca n't even find a company they would help me refinance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a account from Santander several times with the bureaus in the past and it has come back verified. Santander has not provided me with competent evidence of the alleged debt amount. I have not received any of the documents of acceptable verification. Yet, they continue to report the account to the bureaus as verified. I have requested, a signed Contract, which I have never received. Also, I have never received a deficency notice after the car was resold or auctioned off. Therefore, I have no proof of the alleged amount to be paid. Sandander is reporting a balance, although I have NEVER received a itemized account of all amounts claimed to be owed in connection to the debt. Including loan principal, interest and other all fees. Nor, have I ever been contacted for any collection purposes EVER. However, the account is on my credit report. If Santander can not provide all of the validation the account MUST be DELETED. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ), and carries a fine to be  paid to me. PLEASE GIVE THIS MATTER THE IMMEDIATE ATTENTION IT DESERVES. Please be advised that this is the final attempt to resolve this matter and if not resolved, I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2023 I notified Chase Bank about fraud on my account. I tried to close the account but I was told the department was closed and I would have to wait until the next day. Within a few hours, in the middle of the night, Chase sent out XXXX wires to accounts in XXXX, XXXX. Those wires totaled about {$8000.00}. The next day I visited the bank, told them verbally to not allow any wires from my account, closed my account XXXX, and opened a new account at Chase. About {$9500.00} was wired out of my NEW account and Chase has written me saying that they are not responsible and they will not refund any of the losses to my accounts. On or about XX/XX/2024CHASE PERMITTED ADDITIONAL WIRES OUT OF MY CHECKING ACCOUNT TOTALLING APPROXIMATELY {$500.00}. I have also filed a Police Report with the XXXX Police in my local area. I hope that you can help with reimbursement from Chase since they were advised about fraud but they still allowed multiple wires to be sent out from my accounts without checking with me or obtaining my approval because both accounts were subject to fraud. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX have 2 addresses reporting on my credit report that do not belong to me : 1. XXXX XXXX XXXX, XXXX GA XXXX ; and 2. XXXX XXXX XXXX, XXXX XXXX GA XXXX
Product: Debt or credit management

They have is disputed and confused information on profile I fixed a lot of my credit but they are selling my information
Product: Student loan

For 7 months, Navient has been incorrectly applying my student loan over-payment. When you choose to pay more than the minimum balance on a loan it gives you the option to either pay down the principal or postpone the due date of future payments. As I am trying to pay down my loans quicker, I always choose to pay principal. I have noticed that the particular loan I am paying extra on is saying that I have no payment due. On further inspection, I have noticed that every over-payment has been charged interest and my next payment is not due until XX/XX/2017. This is exactly what I informed them I do not want to happen with my payments and is causing me to pay more interest than I am obligated to pay as per my loan agreement.