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

I contacted the FTC about the unknown data that appears on my Experian Credit Report. I was advised to resubmit my dispute to Experian and include my police report, FTC Report and other information to assist the bureau with my dispute. I did. 

I sent a dispute priority mail on XX/XX/22. I received an email and new credit report from Experian advising me that the 3 accounts had been removed on XX/XX/22. 
Please See inserts. On XXXX I received an alert that my score dropped the accounts had been reinserted to my credit. Then on XX/XX/22 I received and alert that the accounts had been DELETED. 
When I log into my account the accounts are still there. 

This is very traumatic and an emotional roller coaster for me. For example, I disputed my XXXX account as not being late. Experian came back and said it was verified that I had been late. I was not able to reach anyone by phone at XXXX XXXX XXXX so I sent them a letter. I received a call back from a XXXX about 3 weeks later to inform me that sent out a letter on my behalf to update the error. I sent it to Experian they removed the 30 day and they have now put it back on my credit. I have enclosed the letter and the envelope it came it to prove the letter came from them. 

I am requesting that Experian delete/remove fraudulent account from XXXX XXXX and not put it back on my credit again. 

Remove Fraudulent account from XXXX XXXXXXXX XXXX XXXX XXXX and not put it back on my credit again Correct the 30 day late on XXXX XXXX XXXX XXXX and not put the 30 day late on my credit again
Product: Credit card or prepaid card

BBVA Compass sent another statement that {$150.00} is due on account ending in XXXX. This matter was previously reported to CFPB and BBVA Compass sent word they were removing XXXX XXXX 's name from the card. XXXX 's name was removed, XXXX 's name is the only one listed, but it does not appear BBVA Compass has closed the account. We ask for your help to ensure the account is closed as previously requested over the years since XXXX 's passing. 

The credit card company was contacted to let them know XXXX XXXX passed away in XX/XX/XXXX.  XXXX did not own or have assets at his death in XX/XX/XXXX. The credit card company continued to send bills for XXXX 's card to XXXX XXXX, wife. The card was solely owned by XXXX XXXX, the card did not belong to XXXX XXXX. XXXX made payments based on the fact notices were sent demanding payment. XXXX has not been able to hear over the phone since she was in her early XXXX. She has used hearing aides since she was in her late XXXX. XXXX is now XXXX years old. XXXX had her daughter, power of attorney, contact the Compass Bank, holder of the credit card in XX/XX/XXXX to ask again that the card be cancelled, removed from XXXX 's name, and to terminate requests for payment as the card was not XXXX 's, but her husband 's XXXX. Rather than terminating as requested, BBVA Compass added XXXX 's name to the account without permission and then began unauthorized collection from XXXX XXXX for XXXX XXXX 's credit card. 

Since XXXX 's passing, XXXX has made payments to BBVA Compass in excess of {$12000.00} on an original balance of {$9000.00} owed by her husband XXXX, but not owed by XXXX ( {$86.00} per month minimum payment ). 

We ask CFPB to please help close the account so no further requests are received for payment from either XXXX XXXX ( XXXX years old ) or XXXX XXXX ( deceased XX/XX/XXXX ). 

We understand often credit card companies come after family members to make payments in this manner after a person has died. 

With penalties, interests, and fees that continue to be applied over the 12 years since XXXX XXXX passed, the noted remaining balance is {$3900.00} with request for payment by XX/XX/XXXX. However, the original balance due has long since been paid by XXXX XXXX on behalf of her deceased husband XXXX. 

Please help us to understand if there is anything else needed to terminate the account, the card, and requests for payments.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

This complaint is about : XXXX XXXX XXXX XXXX XXXX C/O DLC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX -Whom I received a Predatory Loan of {$2500.00} in 2015, which has been paid 3 times over. However, they continue to Garnish my wages! This is the second round of my wages being Garnished after the loan was paid. I tried communicating and have gone to court with XXXX XXXX XXXX and they continue to Garnish  my wages. 

The problem is when I return to workforce my wages will continue to be Garnished and I am the sole provider for my family of XXXX. I can not provide for my family due to the Predatory Lending Practices. 

The complaint is truly about the violation of TELA and RESPA Laws that were violated at the time of receiving the loan. According to the Law : because the instalment payments totaled over four payments it falls under the TELA and RESPA guidelines. I was not told about this law nor was I told about the true cost of this loan. However, I am not an Attorney nor do I make the claim. 

But what I am is a person, a father, a dad who made a bad decision along time ago who's family has paid dearly for my mistake ever since. I feel I was taken advantage of because of my bad finical situation at the time of the loan.
Product: Money transfer, virtual currency, or money service

It was not disclosed that I would not receive a refund if or when the money transfer went to the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to complaint XXXX-XXXX, the company response, dated XX/XX/2019, stated : " XXXX/Dept. of Ed deleted the first date of delinquency of XX/XX/2019, updated the current balance to reflect {$14000.00} and deleted the instances of the account being 90 days late and change the payment due amount to {$120.00}. '' However, The TransUnion Investigation Results dated XX/XX/19, which I received via USPS on XX/XX/19, still shows a 90 day delinquency on my XXXX account as of XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i was approved for a {$5000.00} in store purchase loan to be financed at 0 % interest through XXXX XXXX Furniture through Synchrony bank, i spent the entire {$5000.00} in the store and paid my sales taxes with my debit card from my bank account so the taxes would not interfere with my loan amount, a month later XX/XX/XXXX i get notified that my credit score dropped from a XXXX to XXXX for a {$75.00} dollar charge called " called Card Security services '', i was given a toll free number to call ( XXXX ) as i spoke on a recorded line i explained that my credit score took a large hit due to them reporting that i went over on a {$5000.00} by {$75.00}, i explained to them that i didnt need credit card security because i spent the " ENTIRE '' approved amount in the store and paid my own sales taxes, i called and spoke with several people and explained the situation, this false reporting impacted my credit score and they have yet to inform the credit reporting agencies that they made a mistake, i have waited almost an entire year for this situation to be fixed and they have yet to do so.
Product: Credit reporting, credit repair services, 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. 

List account name here with the account # ( Do not list over XXXX accounts and XXXX inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 

15 USC 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person Im a living human being. I have alienable rights under 15 USC 1681 those unalienable rights have been violated multiple times and now Im being discriminated against for false or misleading credit reporting. As the creditor and the secured party I DEMAND these account immediately.. I have the right to privacy, and I did not give written consent to XXXX to furnish these accounts or any other credit reporting bureaus. Id appreciate if you guys would make sure you do your jobs as trustees and get this taken care of immediately and get my score were it should be as a creditor and secured party!. 

By XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX / XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX / XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I appreciate your time and effort as I know this is a big list
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$970.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

A subject entered a Navy Federal credit Union branch on XXXXXXXX  and deposited an altered / fictitious check into our account, then withdrew {$2000.00} from our account in the same transaction. We reported it on the same day as soon as we recognized the activity. We went through the fraud reporting process that night. We are still awaiting investigation and a reimbursement after 13 days.
Product: Credit card

I was out of the country and I saw that my credit card account closed. Someone XXXX closed my account due to much fraud in a short amount of time. Which is true, Ive lost my card a couple times and I lost my wallet before I left the country. This individual completely destroyed my credit, now I am completely unable to apply for anymore credit cards due to discrimination. This employee XXXX is somehow unable to verify me or my account when I call. So he wants me to call another number to have me transferred to him or go into a brand. On top of that I have 0 liability for fraud charges. When I called to report the fraud that happened I was explicitly told I am not responsible. Somehow this guy XXXX things I benefited from a charge and now my closed account has a balance of {$1500.00}. Now my credit card report says I used more than 30 % of my balance. So they ruined my credit even more. I am unable to talk to anything at chase, they wont help me. I want absolutely no contact with this person. As I am frustrated. This is my first credit card. I am XXXX trying to build my credit and I got completed screwed and am being treated like XXXX by chase bank. This is unacceptable and illegal. I am not liable for fraud charges from a stolen card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently a few weeks ago I submitted an identity theft report containing fraudulent established accounts that were reported on my XXXX, XXXX, and Transunion credit file. As of today I received a response from XXXX  and Transunion in regards to my dispute with several of the fraudulent accounts still displaying on my credit file. XXXX  and Transunion both have violated the Fair Credit Reporting Act as well as my rights as a consumer by continuing to report these fraudulent accounts on my credit file. Under section 605b, the fair credit reporting states accounts established due to identity theft must be blocked by the bureaus within 4 days of notification from the consumer. In addition XXXX  or Transunion failed to provide 100 % accurate verification on how they verified the fraudulent accounts that are still displaying on my credit file. XXXX  has failed to respond to my dispute.
Product: Credit reporting or other personal consumer reports

I informed XXXX, Transunion, and XXXX to reinvestigate these 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, However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 SECTION 604 A : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section States : No consumer reporting agency may 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

In fact they ARE NOT even in compliance with XXXX XXXX credit reporting. I do have evidence to prove and bring forward to prove my case.
Product: Mortgage

Mr. Cooper has purchased my loan that was previously with XXXX. The payment made on XX/XX/2022 for {$3100.00} has not been posted to my account three weeks later. I've spoken with XXXXXXXX XXXX they assure me the payment was made and the funds left my checking account and that is all they can do on their end. Meanwhile repeated calls to Mr. Cooper have resulted in a different story every time and no resolution. XXXX has forwarded their phone to Mr Cooper as it is my understanding Mr. Cooper took over the entire residential loan portfolio from XXXX. At this time I'm left under the impression that Mr. Cooper has stolen {$3100.00} from me. 

I did subsequently send an additional {$2800.00} to keep the loan showing current as I do not trust this company to not harm my credit report. But the {$3100.00} in their pocket and not posted to my account.
Product: Credit card or prepaid card

Paypal prepaid card XXXX XXXX XXXXXXXX XXXX Texas XXXX XXXX. 
I have bought payed for an loaded in store the amount of XXXX $ upon attempt to finalize the card set up iv been ask to email 3 forms of id ..including ssn card with numbers ..multiple times while on the phone apx 25 times iv called trying to adj the issue iv been ask to give my ssn # .. 4 days im still unable to get them to finalize the account nor have a resolution at all iv been hung up on told i could not be heard placed on hold for over 1hr waiting to talk with a supervisor inwhitch i never spoke with ..these people say they work for Mastercard. Im sick of trying to get what they sold an i have payed for ..i do not believe they are in any way a legitimate business that should be allowed to operate with the action they have shown .. as i have said iv called at least 25 or more times over the past 4 days trying to get some where with the issue in hopes to possibly get some one who knows what there doing or cares while on the phone i have heard in the background multiple people who have called in trying to finish activation having the same trouble .i truly feel this is a fraudulent organization.
Product: Mortgage

Had a XXXX  on XX/XX/XXXX. Due to amount of insurance check Newrez requires that it be held in a restricted escrow account. Check was received and endorsed and sent to Newrez on XX/XX/XXXX. Check was received by newrez on XX/XX/XXXX. It then took 10 days XX/XX/XXXX for the check to be processed. All documents have been provided and still no communication has been received as to whats next in the process nor has an initial draw been distributed. I now owe contractors over {$20000.00} and have yet to receive any funds to pay them. I have paid out of pocket over {$6000.00} and have yet to be reimbursed. Getting someone on the phone is next to impossible and all email communications have gone unanswered even though a message received reply is gotten and said that I will hear back within 2 business days. I understand the need of the escrow account but newrez must do better at expediting this process so that people can get back on with there life after the issues. A simple XXXX search will show you how terribly newrez handles this process accross the board and I am lucky that I was able to get the work done while waiting for this to be complete but now that the work is complete I need to finish paying the contractors. I cant imagine if I hadnt had the funds to be able to start this process still.
Product: Mortgage

On XX/XX/XXXX I have used the on-line transfer feature provided by WellFargo and transferred an amount from my checking account with Wells Fargo to my loan account with Wells Fargo. The site provides a feature that allows customers to pay towards the principal of their loan and this is what I did. On XX/XX/XXXX I have paid the whole principal balance on my mortgage. Being an online payment between accounts with same bank the payment showed up instantaneously and the principal balance of my mortgage became XXXX. I understand at that time that there will be an additional interest due to pay for XX/XX/XXXX and a {$10.00} recording fee and that is why I requested a payoff amount. The payoff statement arrived by mail 5 days later and it showed an additional amount due of {$490.00} which I completely agree to pay. 
However, two days later I have received another statement from Wells Fargo in which they requested additional interest because for some reason they said they did not receive the payoff amount in time. 
I have called them and tried to explain them that as of XX/XX/XXXX my principal was XXXX and therefore they can not charge me any additional interest after XX/XX/XXXX. I do agree to pay the interest due as of XX/XX/XXXX but no more than that. I have opened a case with their so called " executive care team '' but nobody got back to me with a resolution yet. 
At this point I would like to report this to the government agencies in charge with overseeing the mortgage industry as per my understanding it is illegal for an institution to charge interest for the period of time when the balance on the account was XXXX. 
Please feel free to get back to me by email at XXXXXXXXXXXX or cell at XXXX in order to obtain more details on this case.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), A pleasant day to you and I hope thiss message finds you well. I am writing to formally dispute and request an investigation into the presence of fraudulent information on my consumer report, specifically related to an account with XXXX XXXX, which I have no knowledge of or any business dealings with. I believe this account has been erroneously included in my credit report, violating my rights to privacy as outlined in 15 USC 1681. 

Below are the details of the account in question : Account Name : XXXX XXXX Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/2023 Status : Collection account. {$1300.00} past due as of XX/XX/2023. 
Status Updated : XX/XX/2023 Balance : {$1300.00} Balance Updated : XX/XX/2023 I assert that this account does not belong to me, and I have never authorized or engaged in any business transactions with XXXX XXXX. The presence of this account on my consumer report is not only inaccurate but also damaging to my creditworthiness and financial reputation. 

I kindly request that the CFPB conduct a thorough investigation into this matter. I urge you to exercise your authority under 15 USC 1681 to ensure that this false information is promptly removed from my consumer report, as it is in direct violation of my rights to accurate and fair credit reporting. 

Thank you for your attention to this matter. I trust in the CFPB 's commitment to protecting consumers ' rights, and I look forward to a swift resolution of this dispute.
Product: Credit reporting or other personal consumer reports

Hello, upon reviewing my Consumer Reports, I noticed discrepancies showing late payments on an account for which I have always made prompt payments. It is vital that Consumer Reporting Agencies ensure the accuracy of the information they report. I have never missed a payment for the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total ) I respectfully request a detailed review of these discrepancies and ask that you provide documentation, such as account statements, to substantiate the claim of late payments. If no such proof is available, I expect the records to be promptly corrected to reflect my consistent history of on-time payments. 

Thank you for your help regarding this issue.
Product: Credit card or prepaid card

I applied for the Citi AAdvantage credit card on XX/XX/XXXX. About 2-3 weeks later, I received a letter from them asking for my pay stub to verify my income. I sent them my pay stub right away. Today ( XX/XX/XXXX ), I received another letter from them asking for my utility bill to verify my address. So, my questions are : ( 1 ) why can't they use the address on my pay stub to verify my address, and ( 2 ) why they didn't ask for both my pay stub and my utility bill last time? 
I called their customer service ( XXXX ), but their representative didn't give me a reasonable explanation. He also told me that my application will not be considered until they receive my utility bill. In addition, I have another credit card and checking accounts with Citi. Why can't they verify my address using my address information in their system? I don't know if they will ask for something else after I send my utility bill, and I don't know how much longer this application process is going to take ( it has been 4 weeks since I started ). So, I canceled my application. 
They have already pulled my credit ( and I have 800+ credit ). 
I think they are very inefficient, and they don't respect their client 's time.