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

Two accounts reporting on my credit do not belong to me. 
The accounts are from XXXX XXXX XXXX XXXX  with the ACCOUNT # : XXXX reporting on XXXX. The second one is from DSNB MACYS with account # : XXXX reporting on XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$20000.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00}
Product: Credit reporting or other personal consumer reports

Mortgage company changed my premium amount due to escrow shortage which I was never informed of. My premiums are on auto pay and have a fantastic payment history for the past 3 years. My bank didnt recognize the change in the premium and rejected the payment thinking its a fraud. The late payment was in my credit report as of XXXX however the escrow shortage started as of XXXX, which means I was incorrectly reported for the months that I was current and on time. I am current on my mortgage payment as of today however for the XXXX and XXXX payments that were not recognized by my bank, I have resolved it with the resolutions team. There was a miscommunication from the mortgage company as to where to send the payment for XXXX XXXX as they kicked me out of the automatic payment, which then it was clerified that they gave me the wrong address and eventually the certified checks were processed and because of that the supervisor admitted that it was their error and placed my account back on automatic payment. My request is to have the late payment removed from my credit report as its causing an inconvenience due to something that was not my fault. 

United Wholesale Mortgage XXXX XXXX XXXX escalations team
Product: Mortgage

We requested assistance in the form of a loan modification with our servicer, Residential Credit Solutions ( RCS ), XXXX 2014. During the course of going through the initial steps of the modification, RCS repeatedly, after 8 times total in writing by ourselves, refused to update our mailing address so all correspondence was getting delayed nearly a month to us. We requested RCS to update our address so we were not repeatedly getting our mail late. RCS has been very INACTIVE in the past when it came to telephone requests so we began to put everything in writing. We finally sent RCS formal mail this spring and faxed and emailed the final address update requests and this finally worked. 

However, XXXX XXXX, 2014 was the deadline for us to submit paperwork for the modification to continue and we received this correspondence from RCS XXXX XXXX, 2014 to our current mail location of which we had been attempting to update for months! It was because we did not submit our paperwork in time because we did n't receive it until 1 day past the deadline date that we were denied a modification. 

This is ridiculous treatment by a servicer and a poor excuse for denial when we made numerous attempts to get RCS to send paperwork to the RIGHT address!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received an updated copy of my Experian credit report and notice Experian is providing a Fake fico credit score, I filed a dispute with Experian after noticing several unauthorized inquires were made on on my report without my permission. Several days ago Experian removed 4 of those inquires and updated my report, but my credit score never changed. I called multiple times to address this issue and no one seems to have an answer. 

This is not the first time Experian has provided me with a Fake Fico credit score or credit score that never updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled and sent to a lot of different lenders by XXXX XXXX XXXX ( XXXX ) without my consent. I did not signi a credit application, and or privacy policy, I did n't even go on their website and filled a credit application. There is n't a document with my signature that shows that I allowed XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX GA XXXX to pull my credit and shotgun my credit to a lot of lenders. I checked my credit before I went car shopping and I was at XXXX in one of the bearous. When I did make my decision in purchasing a vehicle, I went to a different dealership ( XXXX XXXX ) to purchase my vehicle and when I gave them permission to look at my credit they had told me that my score was not XXXX and had dropped to XXXX and that they could see a lot of inquiries in the last two days from XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX and I asked to speak to the manager and they told me he was n't available. I worked so hard to be able to get it up in the XXXX 's before purchasing a vehicle and at that point when XXXX XXXX had told me that my score had dropped from XXXX sending my credit to different lenders. I had no choice but to take the interest rate XXXX XXXX was offering me because of my credit score dropping so many points after XXXX had used my credit without my consent and sent it to diferent lenders. XXXX XXXX XXXX 2016 are the dates that XXXX XXXX XXXX used my credit to send it to multiple lenders without my consent. My name is XXXX XXXX and my cellphone is XXXX
Product: Payday loan, title loan, or personal loan

This person XXXX acted as a lending tree representative and put s fake check in my XXXX XXXX account which got my bank account closed.He asked for my routing and account number my online sign in info user name and password. He said I qualify for a XXXX loan.He said he had to wire XXXX dollars into my account to make sure it was real and to call him in the morning .I went to my bank account and it was not allowing me to sign in .That 's when I went to my bank and they told me the situation. I also was contacted by XXXX XXXX while I was at the bank and put him on speaker infront of the bank manager .The bank manager said the individual tried to deposit a fraudulent check sign by XXXX XXXX .
Product: Credit card

I have applied twice for Amazon sponsored credit cards. The last XXXX was from Chase. Both times after opening and purchasing on the accounts they have automatically enrolled me in paperless statements and by the time I actually get a paper bill ( calling them after email alerts on account ) I am charged late fees. I always pay my cards on time and usually in-full. I seriously believe this is a ploy ( since it has happened twice ) they are using to extort late fee payments out of customers. Both times they say the paperless option was chosen and it was not. I am familiar with the prompt screens they use for paperless and always say No Thanks. I believe they are using Paperless as the default no matter what you pick.
Product: Credit reporting or other personal consumer reports

The companies Capital One account number XXXX and XXXX account number XXXX accurante information is on my credit report from this company the days late section is different from all three bureaus and i will like to have them deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc section 602 states I have the right to privacy.

USC 1681 section 604 A section 2 it also states a consumer to furnish an account without my written instructions.

USC 1666b a creditor may not treat a payment on a credit card account with XXXX open end consumer for late purpose
Product: Student loan

My son went to school in XXXX university XX/XX/2005, I have a student loan for {$40000.00} still paying for 10 years. I called several time to the company that Have my loan ACS to try to lower my payments and they keep telling me That they need my husband information to applied for the loan to lower the Interest rate, my husband is not the father I been married with him for 8 years. 
Last week I decided to call an attorney and they asked me if I have the note From the lender, I do n't have any note I called XXXX school and they do n't have any Record of my loan, I called ACS and they told me that they have the note and Request a copy I was supposed get it in the mail in 2 days i never got anything. 
I really need some advise with this I 'm XXXX years old and still owe {$40000.00} in student Loan. I will appreciate if I can get some help Thank you
Product: Checking or savings account

On XX/XX/2021, {$2000.00} was taken out of my account from $ XXXX On XX/XX/2021, {$3000.00} was taken out of my account from $ XXXX On XX/XX/2021, {$800.00} was taken out of my account from $ XXXX On XX/XX/2021, {$1000.00} was taken out of my account from a $ XXXX using Cashapp and I contacted them letting them know that I didn't authorize these transactions. They told me that it was nothing that they could do. I was scammed I filed a complaint and disputed it with my bank but my bank couldn't retrieve my funds. They didn't put the funds back onto my card.
Product: Credit card

In XXXX I moved to XXXX Fl, after obtaining a loan for a car someone stole my information, thus opening multiple accounts. All were resolved with the exception of Macys/CBNA which today reported that I have an unpaid account with a balance of {$980.00}. Said account was opened on XX/XX/XXXX after on XX/XX/XXXX I provided my credit information to be approved for a car. They used my name by putting it with the surnames positioned differently than my original name and using another physical address. I have tried to prove it again and again, I have been struggling with this for years, losing opportunities for progress and all attempts are unsuccessful. I need help.
Product: Debt collection

This is not my debt, if it was I would have paid it.
Product: Credit reporting or other personal consumer reports

I am attaching my FTC Identity theft report and the following accounts need to be removed from my Equifax credit file. XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( This is the XXXX account listed on the FTC report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. 


You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. 

This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX Bank Delaware Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unaware that my dealership was going to put inquiries to several different banks. This was unauthorized on my Transunion Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

In 2021 my grandmother passed away leaving me some property one of the properties that she left me had a mortgage on itservice by Mr Cooper. I called them to try and find out the process for getting the property and mortgage resolved was told to send in paperwork which I sent in everything they asked for I'm more than one occasion weeks and months would go by and I would call again and they would say they didn't get the paperwork or the email they got part of the email but didn't get the other part. All of the documents were included in one email each time that way it couldn't be misplaced or any other nonsense. Even after providing proper identification and paperwork they denied acknowledging that I was the successor and interest of the property. They have not served me with any paperwork or notification of any kind that the foreclosure was sale had been set or that the process was. I was in fact assured that the property would not be foreclosed on while we were working on getting the process taken care of.
Product: Checking or savings account

In reference to open claim XXXX. Truist Case : XXXX. 

I just made a call to Truist to once again to try to retrieve my locked funds due to financial emergencies its been 2 weeks since Truist had my funds and accounts on hold. I contacted ( XXXX ) XXXX prompt 3 then 1. A REPRESENTATIVE JUST TOLD ME THIER ACCOUNT ANALYSIS HAS LEFT A NOTE ON MY ACCOUNT FOR A HOLD/MONEY OF 30 or more days while they wait for irs to verify my tax refund check but I sent tax transcript in for supporting documentation voluntarily last week for a quicker resolution. This is so wrong. I wish I never opened up an account with Truist Im sick to my stomach. I need something done about this immediately THIS CANT HAPPEN IM FACING EVICTION BECAUSE OF TRUIST. I CALLED Truist LAST WEEK AND HAD IT NOTATED ON MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

I Originally sent a Notorized Affidavit via Certified mail to the 3 credit bureaus for Violations According to the Fair Credit Reporting Act, 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

On XX/XX/19 Wells Fargo allowed a washed check to go through for {$400.00} that was not authorized and should not have gone through. They are refusing to take care of the issue stating that it is my signature. That is how a washed check works. I have been with Wells Fargo for 20+ years and if this is not resolved I will be closing my account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a 30-day late payment.

Misapplication of Payment : Payments for XXXX, XXXX and XX/XX/XXXX were sent and processed on time, but were not properly credited to my account due to an internal error by XXXX, leading to the incorrect reporting of 60-day and 90-day late payments.

I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that all payments were made on time and within the contractual grace period.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

My current mortgage is with Union Home Mortgage. I started the refinance process with a different company in XXXX. My home insurance is in escrow with Union Home and was due in XXXX. Since Union Home knew I was refinancing and it was not with them, when my home owners insurance came due they did not pay my insurance and did not notify me. I found out a week after the insurance was due when the new mortgage company requested the payoff statement so we could close. Union Home refused to provide them a payoff statement. I contacted Union Home to find out the insurance had not been paid. I went directly to my insurance company and paid the full year premium. Then Union Home provided me with a payoff statement that included a fee of {$4000.00} for XXXX ( forced insurance ) because they said the insurance lapsed. It had not lapsed as I paid it in full one week late since Union had not made the payment. They said I needed to provide the verification of insurance to them. I faxed it to them on the XX/XX/2021 and requested a payoff statement corrected. They said it would take up to 48 hours. I called back after not receiving a payoff statement a week later. They said I never faxed the insurance information. I refaxed the insurance information to two additional numbers they provided again. Union said within 48 hours I'd have the payoff statement. As of this morning ( XX/XX/2021 ), I still do not have the payoff statement. This is not the first major issue I have had with Union Home Mortgage which is why I am desperately trying to get away from the company, but they are preventing me from doing so.
Product: Mortgage

Wells Fargo is not following the California Homeowner Bill of Rights. This law banned the dual- tracking of forclosure. Wells has set a forclosure date of XXXX/XXXX/15 without giving me an answer to my completed loan modifIcation application. I have been trying to work with my bank, I believe they have not been willing to work with me because I am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Report Agency and Debt Collector both did a negligent investigation This is a clear error and violations of 15 U.S. USC Section ( a ) ( 1 ) ( A ) - the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


I will send a copy of original contract that XXXX XXXX XXXX  sent me.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I would like to address this concern to XXXX and Experian 's agency for the second time because I needed this one remaining fraudulent account to be taken off of my credit report. I have already informed these agencies in my previous letter that someone has made a transaction with this account that made use of my identity to which I have no knowledge about. This was already reported back in XXXX and I was expecting that this will be resolved immediately. 

XXXX XXXX XXXX -- -- -- -- -- -- Account # : XXXX XXXX has already DELETED this account from their record back in XXXX and I trust that all consumer reporting agencies are only reporting to one furnisher of information. I dont understand the miscommunications and the disconnections here between them and the furnisher. Why has XXXX been able to deal with this matter yet these other 2 credit bureaus was not able to fulfill the duty to remove a fraud item? They just literally closed my filed complaint and Experian just sent me their default system-generated result.
Product: Debt collection

On XX/XX/21 I checked my credit report for the first time in a very long time and it was brought to my because my score was so low that accounts had been opened in my name without my consent. I reached out to each credit bureau and they told me that I would have to get a police report to get it removed. I had a police report filed and sent in but now they are stating that no account numbers are on the report. I have the report numbers.