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

XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$630.00} on the XXXX XXXX XXXX original creditor XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) XXXX is claiming I ordered a sofa and that I confirmed delivery. I have attached a copy of the receipt they sent me alleging the signature on the delivery receipt is mine. The signature on the receipt does NOT belong to me and I never authorized and/or accepted this item. Nothing from XXXX was delivered to my address. This collection/charge-off is being reported in error and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase from Amazon that did not work for me, I returned it XXXX  tracking number XXXX amazon received it and issued a refund. Synchrony/Amazon Bank falsely states that I owe them even though Amazon has credited my account two times chargeback XXXX & falsely reports me 30 days late and is double billing store card account ending in XXXX
Product: Mortgage

My current mortgage loan is a hard money, 2-year term, 12.99 % interest only loan. The term expired XX/XX/21, and I have been trying to refinance this loan into a conventional mortgage with no luck. I applied with Amerisave at the end of XXXX, we went through the whole process, and were ready to close on XX/XX/XXXX. The day before, the underwriters suddenly decided they needed information on the current lender, which I gave them. They've been asking for more and more information, which I have given them, but they still have yet to approve my loan, despite the fact I have proven to them that I can pay the mortgage I am requesting from them ( about half of what I have currently been paying ), and I have shown them that I fulfilled all the terms of the current loan agreement, except for paying off the balloon payment, which I obviously can't do until I refinance the loan.

I believe that the information Amerisave 's underwriters continue to request is excessive and unnecessary, and I expressed my frustration to the XXXX. He agreed with me that it seemed unfair, and he mentioned that they had treated other clients like this, even encouraging clients to not make mortgage payments, etc. 

In my opinion, I have given them the information they need to approve this loan, and I don't understand why they are stalling and not allowing this loan to close. They are spending way too much time focusing on the hard money loan that is done now and ready to be paid off, but I can't do it while they continue to come up with things to delay the closing. It seems to me at this point they are just creating reasons not to close this loan, even though I have given them everything they have asked for. 

What I would like is to for CFPB to push Amerisave to go ahead and approve this mortgage so I can pay off the loan that expired 4 months ago and move forward with my life. We were supposed to close weeks ago, and I have given them the information they requested. There is no need for further delays on this.
Product: Credit reporting

Shows on the credit report that an account with a minor balance owed from XXXX XXXX from 2012, no other prior reporting. Reported immediately, not a blatant balance that was outstanding for long. {$79.00} was paid immediately. Requested to be removed because of these facts. Denied and only updated. debts on the report an estimated date that they will remove, this XXXX no. Also the last complaint filed with continually dropping my score since becoming a member from XXXX to today poor with continually placing paid debts, non valid debts on my report that why should this impact my score, there reply had nothing to do with the complaint. Contacted the Omnibudsman with no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the company to use my credit
Product: Payday loan, title loan, or personal loan

I tried once again to apply for a working capital loan which I have successfully had more than 2 of them and successfully paid them back.

I called and this time the agent was very helpful he knew what he was talking about and you could tell he was perplexed at why I was not being approved either. 

I don't think that I am going off the hook to quick in LABELING THIS DISCRIMINATION IN LENDING because nothing has changed and there is absolutely no reason based on the facts that I should be being rejected for these loans. 

I have been a longterm customer more than 20 years on this particular account and I was one of the first one hundred customers of PayPal under another account.

Loyalty returned with discrimination? I do know that there is another bank called web bank behind these loans so they might be part of the problem too? 

Also I tired to add my email to the account ( XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of an alleged debt reported by XXXX XXXX XXXX XXXX on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and demand immediate compliance with the law. 
Violations and Legal Concerns Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Your agency failed to remove this unverifiable information after my dispute, in violation of the FCRA.

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Reporting inaccurate and unverifiable information without proper investigation violates your duty to ensure accuracy.

Violation of Permissible Purpose ( 15 U.S.C. 1681b ( a ) ( 2 ) ) Reporting a debt without proper validation or authorization violates FCRA provisions.

Demand for Action To resolve this matter, I demand the following actions : Delete the disputed debt from my credit report immediately.

Provide me with a written explanation of the steps taken to verify the accuracy of this information, as required under 15 U.S.
C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
Ensure that XXXX XXXX XXXX XXXX complies with 15 U.S.C. 1681b ( e ) ( 6 ) regarding permissible purposes for reporting this debt.

Notice of Intent to Sue If you fail to comply within 15 calendar days of receipt of this letter, I will escalate this matter by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Reporting your bureau to the state attorney generals office.

Pursuing legal action under the FCRA, seeking damages for non-compliance with 15 U.S.C. 1681e and 1681i.

This letter also serves as a formal request to preserve all records related to this dispute.
Product: Checking or savings account

I had to made a payment to my landlord and present my debit business card. 
My card was decline when it was plenty of money on it. 
I called my bank BBVA IN XXXX XXXX CALIFORNIA AT XXXX XXXX LOCATION. and they couldent help me as they have sayed that a different department look the card because they belive was compromised. 
I have been dealing 2 full days and I am unable to reach them.. they made me wait on the phone for a full hour ... than they disconnect the call. 
I have no money to buy food and my rent is past due. 
I have no more resource how to handle it. 
Please help XXXX XXXX XXXX XXXX la XXXX XXXX XXXX XXXX XXXX Ca XXXX
Product: Credit reporting or other personal consumer reports

I have paid this account In full and they wont update the balance with XXXX. They already have with XXXX. I need this updated or removed from my report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Account Name : XXXX XXXX XXXX  Account # : XXXX Balance : {$160.00} has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Remove these accounts within 4 days of receiving this
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit, reporting act XXXX  SELF FINANCIAL Account # XXXX  has violated my rights.

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

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open in consumer credit, plant escalate for any purpose.
Product: Mortgage

To whom it concerns, I refinanced home mortgage from Suntrust ( Truist now after merger ) to other financial company at XX/XX/XXXX. 
I received disbursement check {$4300.00} and deposited at my checking account of XXXX XXXX Bank on XX/XX/XXXX, but was charged back on XX/XX/XXXX because of refer to maker reason. 
From XX/XX/XXXX to XX/XX/XXXX, I have talked numerous Truist client resolution representatives. And upon request from them, I submitted my bank checking account statement of chargeback to 3 different Truist representatives. 
Then XX/XX/XXXX I received a letter claiming that disbursement check was deposited at XXXX  XXXX XXXX on XX/XX/XXXX. 
I don't have any account at XXXX XXXX  XXXX. I submitted XXXX XXXX XXXXXXXX document showing no account under my social security number. I requested Fraud investigation to Truist and on XXXX  Truist sent me a letter of investigation started and expected to complete in 30 days. 
My bank ( XXXX XXXX XXXX  ) reached out to me about inquiry from Truist regarding disbursement check chargeback records and I granted XXXX XXXX  to provide all necessary information. 
Since then I have not received any information of fraud investigation and I asked to different Truist client resolution representatives, but no response this year. 

These are Suntrust ( Truist ) mortgage account information XXXX XXXX XXXX XXXX And I received 2 case numbers ; XXXX and XXXX. 

I can not waste any more of time after 14 months of this. 

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

Experian has a last name that does NOT belong to me ( My last name is XXXX ). They have an address that I do NOT live at. I am worried about identity theft and do not want an address on my credit report where I do not live. If credit offers or other correspondence is sent to that address, it could be used for identity fraud. I live at XXXX XXXX XXXX, XXXX XXXX, XXXX That is the ONLY address that should be on my credit report.
Product: Debt collection

Robo calls after XXXX continues no one there this is an attempt to collect debt. Did talk to collector theatened i could lose my job. This so called debt a lost or stolen credit card was reported to sheriif and gov site identy theft. I talked to pay pal i talked to ban corp as money was taken from my checking and purchase i did not make were used illegally when my cards were stolen from my glove compartment my bank notified me and my checking mastercard debit pay frozen. the credit card when i got my statement showed XXXX dollars in illegal charges this i talked to loss and theft it was reveresed 11 months later a 3rd party bought this account is taking me to court Case Number XXXX District Court of Maryland XXXX XXXX Synchrony Bank XXXX XXXX XXXX . XXXX says I have no balance card lost or stolen. In addition i have had phone calls from robos. Can you help. 12 months ago i went throught the nightmare of identy theft and fraud now it has come right back. phone XXXX Federal Trade Commision identy theft filed XX/XX/2021 about Synchrony Bank Lawyer XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX Maryland XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXX age XXXX on social security, i am a XXXX XXXX  state of maryland work part time as a XXXX XXXX  licensed with XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a $ XXXX CD with BBVA on line Bank. It matured XX/XX/XXXX and before that I mailed instructions to have the funds wired to my local bank. I also messaged the bank to this effect. Instructions were ignored and I was finally able to reach a rep, who said my only option was to get a paper check, sent by USPS and without a tracking number. They will take my money electronically but in XXXX they limit themselves to sending a paper check for over {$100000.00} and with no tracking number. It is now XXXX and the check still has not arrived. I called and was told the supervisors are not available and the " escalation team '' will call me in 3 business days ( that means by XX/XX/XXXX ), at which time they will probably put a Stop on the check and arrange an electronic transfer. Meantime the bank will be holding more than $ XXXX of my money with no interest paid. And I've had to spend at least 3 hours on the phone trying to fix this. The fact that they have made this simple kind of transaction into something so complicated and with deliberate delays built in is, IMO, an unfair business practice. Covid delays are not the issue here ; a badly designed system was in place before Covid.
Product: Credit card or prepaid card

XXXX XXXX offered bonus miles ( XXXX ) for opening a Citi Bank credit card. Card approved XX/XX/2022 and used the next day. The offer required me to spend a certain amount over the first 3 months and I wasn't sure if it was {$3000.00} or {$5000.00} miles so I called to check. I was then advised the if I had a card in the previous 48 months I would not receive the bonus. 

If I did not qualify for the offer I believe I should have been informed prior to acceptance and given an option as to whether to continue the application process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over this past weekend, XX/XX/2020, I received an email alert stating that my credit report dropped XXXX points! ( and keeps dropping ) ... Obviously, this will get anyone 's attention for concern so I immediately logged in to all of my credit report accounts to do my research. I recently opened disputes for errors on addresses that were not mine and old inaccurate data. 

I was in the process of getting financial funding for my startup, so the past year I have been focused on paying off all my debt with an exception of my large installment loans such as my 2 car payments and student loans which are all in good standing, as well as I did pay down all my credit balances and am now at credit to debt ratio of 16 %. 

I have called the the 3 credit bureaus and they all couldn't figure out why my score dropped XXXX points. They saw that my credit to debt ratio was low, have paid off my charge off accounts from when I hit hard times a few years ago due to a move, and all my accounts have been on time and up to date the past couple of years. 

They even mentioned, even though there were old delinquent accounts that haven't fallen off, they have been paid in full, as well as had still been on my report prior to the XXXX point drop. 

No one could figure out why as well as didn't have any solutions because they haven't seen this, so here I am trying to fix the problem and get my newest score back of XXXX that I have worked so hard to get to, as well as complete my next step for my startup funding that was about to get approved until this drastic Change. 

Please Help me resolve this as well as with all 3 bureaus who couldn't figure out why it happened. I really appreciate your time. 

Stay safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is paid off and the reason was not paid because working with credit to help me pay off all my bills Debt Relief Companies
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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: Mortgage

We got flooded in XX/XX/2016 in XXXX Louisiana and chase got our flood insurance check. We have a licensed contractor. They make excuses and excuses to release funds to us to pay the contractors. Our house is damaged still not done because chase will not release funds. We recently got a letter saying they are selling our mortgage. The only reason they are doing this is because our house is damaged and they want to hold on to our money as long as they can.
Product: Credit card or prepaid card

On XX/XX/XXXX, I placed an order at XXXX for XXXX XXXX XXXX. The product was supposed to be delivered on XX/XX/XXXX. This included a hard hit on my credit report for the installment plan. I began contacting XXXX, XXXX, and Citizens One for information on my order. I was repeatedly brushed off and was told I would be notified when my order shipped. XXXX told me I had to speak to XXXX. Citizens One told me they had no information on the status of my shipment and XXXX never responded besides canned answers. On XX/XX/XXXX I received a text from Citizens One that my order was cancelled as they were out of stock. They said I have 150 days for me to personally find more stock or they would close out my account. They had no issues pulling a hard hit on my credit but seemingly now no longer have stock.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 
1 late payment
$XXXX  Balance updated XXXX XXXX XXXX
Account number
XXXX  Account status
Open
Date opened
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Consumer Loan

I have a car loan with Fifth Third Bank and they do n't allow you to make payments online so I have to mail by check. I will send the mail a week before it was due and they wo n't cash it till 2 weeks later. Well this month I missed one payment and they repossessed my car. And I already sent the payment that I missed and the current one this month. They now want to charge me XXXX in repo fees and the XXXX payments will go towards that and I will still owe my payment for this month on top of the towing and storage fees. I just do n't understand how the repo fees are this much when my late monthly payment is XXXX. I hear a lot of the same problems with people having their car repossessed when they made payments they just posted them late. And when I called them they did n't tell me about the repo fees and were fine with me paying the payment that was late and the current payment then when my husband called they said we owed XXXX. On top of that they did n't contact us at all and they said they sent a letter in the mail but we never gotten it. If we knew this was happening we would have done expedite shipping right away
Product: Mortgage

Assistance requested in receiving BACK MY monetary dollars PAID toward a home mortgage loan, HOWEVER, the monetary dollars PAID were NEVER applied to the mortgage loan [ Wells Fargo descriptive sheet enclosed ]. Monetary dollar amount totals = {>= $1,000,000}. 

PLEASE RETURN MY FUNDS PAID : {$10000.00} ( these funds sit AS a Savings Account initially UNTIL someone just simply CLOSED my account without any warning, whatsoever. Returned to Wells Fargo for the monetary dollars and the account has been fraudulently CLOSED ... CLOSED. 

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

XXXX  ; Experian and XXXX  are reporting incorrectly 30 90 plus days late, as well as a Repossession on the XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is in good standing ; I have possession of the vehicle ; and there have not been any missed payments. I have also attached a copy of my Receipt from XXXX XXXX dated XX/XX/2019 reflecting my XXXX, 2019 payment. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. This incorrect reporting and coding is harming my credit score and this line item needs to be corrected.