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

I am writing to submit a formal complaint regarding the inaccurate information on my credit report, which I previously brought to the attention of TransUnion on XX/XX/XXXX. However, to date, I have not received any response from them. I kindly request your assistance in addressing this matter. 

Below, I have provided the details of the inaccurate information on my credit report, along with the required corrections : 1. Unauthorized Inquiry Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 2. Unauthorized Inquiry Company Name : XXXX Date of XXXX : XX/XX/XXXX 3. Unauthorized Inquiry Company Name : XXXX Date of XXXX : XX/XX/XXXX 4. Unauthorized Inquiry Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX 5. Unauthorized Inquiry Company Name : XXXX Date of Inquiry : XX/XX/XXXX 6. Unauthorized Inquiry Company Name : XXXX Date of Inquiry : XX/XX/XXXX Request : Please remove these inquiries from my credit report.
Product: Debt collection

I have never had any services nor contracts with HARVARD COLLECTION OR XXXX XXXX This is the second company to attempt to put this fraudulent account on my credit report. I have already made it very clear I have never had services with XXXX XXXX nor given anyone permission to use my name. I also have not lived in New York State since I was in HIGH SCHOOL. XXXX XXXX XXXX XXXX XXXX XXXX. Also I have never lived at the address XXXX XXXXXXXX has on the account either. ALL was fraudulent and handled about XXXX ago, now ANOTHER company is attempting fraud with the same account. TAKE ME OUT YOUR SYSTEM and REMOVE from my credit report immediately. XXXX XXXX is well aware this was a fraudulent account so Im not sure why you have it attempting to collect FRAUDULENTLY. 
My next step will be to contact my lawyer because this is absolutely ILLEGAL & UNETHICAL PRACTICES.
Product: Mortgage

To start off, I want to make it very clear that I have never applied for a loan with Ally and never will. My mortgage was purchased by them around XX/XX/2019. My loan was serviced by multiple companies, but my last 14 month have been a living XXXX. I have not been able to get a clear answer from a single person, on any level of the company, including from office of the president. Company can not clarify how some of my checks have been deposited, they have no clue why my escrow balance, according to them, goes up and down like a roll a coaster, why I am being charged interest for payments that are being held up for a month. I have made a simple request, to provide totals for my payments, portions that went to interest, too principal and to escrow. For the last two month I wasted hours and hours of my time on the phone, and apparently, Ally doesn't like dealing with immigrants, which I am, even though a proud Citizen of the US. I have been played for a fool for longer time that is acceptable. I feel it is criminal to treat customers like that and discriminate so blatantly. I have no choice but to refinance my mortgage, just to escape this nightmare, which would cost me thousands of dollars. If company is not willing to cover these costs, I am planning to seek legal help, to remedy that, in addition for torture and discrimination, but feel government has to stop Ally from hurting even more people like me.
Product: Debt collection

I was sent a letter from Gurstel Law offices in MN  and they said they were acting on behalf of XXXX XXXX XXXXXXXX and attempting to collect a debt. They served me a Summons and said that I was being sued because of this debt. They would not answer any of my calls or emails. This information was put in the letter head for me to contact them however after several attempts I never was able to speak with anyone. I was asking for proof that this debt and as stated " Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ''. This information was never provided. I was in the middle of closing on the sale of my home and they entered in a Judgment and I was not able to close the home without this judgment being paid from proceeds of the home sale. They took that money and have not communicated with me regarding this account with XXXX XXXX XXXX. They never reached out to me in any way. They have a fraudulent account according to law if they can not bring to me a physical, signed copy of my agreement.
Product: Debt collection

After being discharged from bankruptcy on XX/XX/XXXX. This particular law firm that harassed me all through the process was able to go back to the courts and claim that they have tried to reach me through mail and had sent the marshals to serve me all in the months of XX/XX/XXXX thru XX/XX/XXXX. None of which is true. I have lived in the same complex since XX/XX/XXXX. They claim is I owe {$1400.00} for a apartment where I once lived. This was in my bankruptcy. They have contacted me back then through different agencies. So since they made claim that they tried to contact me, they were able to have a Judge place a judgment lien on me. I only learned of these actions through a credit monitoring account I have. By the time I found this out it was too late. How ever I did reach out to the firm that represented me before and was told that he would try an get to the bottom of this and get it straightened out. But I have had no response from him. My rights have been so violated. I went thru all the steps required in my bankruptcy, and still this firm who has no regard for my rights have gone after me under cover and won..!!! What do I do..??
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mother who is trying to refinance a mortgage right now so that I may have a roof of my families head, but my mortgage is too expensive. If I refinance my housing payment will be much more affordable as I have been financially impacted due to covid-19. My mortgage broker recently contacted me stating that I would not be able to refinance my home ( {$1000.00} a month difference ) because of inaccurate information left on my credit report ( s ) by XXXX XXXX for child support. I am current on my payments, never have been late. Any late payments listed are inaccurate and should be deleted right away. I am complaint to the CFPB because I am being given the runaround by XXXX stating I should file a complaint with the bureaus, which is not correct. The bureaus are the ones who publish the information that is reported to them by data furnishers such as XXXX. I am requesting that XXXX, XXXX, and TransUnion investigate my file as I am disputing the attached items and XXXX should correct the reporting right away that it has sent to the bureaus before a lawsuit indeed is filed, which XXXX will be required to pay my legal fees for inaccurate credit reporting. I do not care if XXXX is a government agency, this is my 30 notice of intent to file a lawsuit. Alternatively, the negative information needs to be deleted before all parties including the bureaus are involved in a lawsuit pursuant to the FCRA. Kindly consider this my request to remove this inaccurate information I have never been late. This is causing me a lot of XXXX  and XXXX and I do not know why I must spend so many countless hours trying to fix the mistakes caused by all the parties listed on this complaint.
Product: Checking or savings account

I have been trying to get the funds from my deceased mother 's checking account for several months now, but not having any luck due to unnecessary pushback from the estate department at Chase Bank. I have been in contact with local branch employees, the estate department, the executive office, and lastly sent emails to company leadership. I also already have an on-going claim with the executive office that I am failing to get resolution from. 

The estate department instructed me and my siblings to get a second small estate affidavit signed and notarized correctly as the first wasn't quite good enough for them, which we have done. I will add that we did this even though in the state of VA it's not necessary for estates less than {$25000.00} to even require a small estate affidavit. Regardless, a valid Small Estate affidavit has been presented to the bank as of this week. Signed affidavit is attached to this claim. 

Now, the " back office '' of the estate department is requesting additional notarized letters from my siblings where they must write a letter stating their intentions of allowing me to gather all the funds on their behalf, along with photocopies of their IDs. The affidavit which has already been notarized clearly states all successors intentions, along with giving rights to all three of us to act on behalf of each other when collecting funds and creating transactions. The " back office '' requesting additional documentation instead of accepting the small estate affidavit is illegal in the state of Virginia, and we should not be forced to provide additional documentation to receive the funds in the decedent 's account. 

Also, the siblings in this instance have completed the request from the previous CFPB complaint with this bank, and we are still not getting the proper resolution.
Product: Mortgage

Today is XX/XX/XXXX. I closed a refinance on my primary home the end of last year with Loan Depot. It has been more than 20 days and my loan hasn't funded. My loan processor, XXXX XXXX. NMLS license number XXXX told me the underwriter is requesting additional documentation ( XXXX P & Ls ) for a loan that has already closed but not yet funded. Her namager is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I logged into my Equifax account to dispute some hard inquiries on my credit report which were NOT initiated by me, nor are they linked to any accounts on my credit report. 1 day later, on XX/XX/year> you claim to have completed an investigation into the inquiries. If this is correct, if I were to call the companies on this report which I have attached for proof, which were the companies related to my dispute and the hard inquiries, they would be able to confirm that you, Equifax, called them between XXXX XXXX. I am sure that this is not the case - and I am honestly at the point of filing suit for failure to adhere to 15 U.S. Code 1681i. Its not the fact that the inquiries remain, its the fact that you completely lie about doing any sort of investigation and arent adhering to the FCRA.
Product: Mortgage

On XX/XX/XXXX I received a letter from Wells Fargo, The Subject was- Follow up to previously submitted complaint. There is a telephone number to call if you were sold something that you did not want or need By Wells Fargo Bank. WF wants to know how your complaint was resolved, Our complaint was never resolved we were just constantly lied to about out Mortgage Account for 10 Years, No one at WF can locate our account, Customer Service said no such account number, Mortgage Dept. said no such acct number, The supervisor at WF could not find account, WF purchased our loan in XXXX by some fake close at home book that is sitting on my lap, not signed or notorized and was never returned to WF because they were making us REFINANCE even though WF was purchasing my loan. We did not want to refinance but Wells Fargo said we had to this is the way its done so it can be done faster, The is no history of my : Loan from XXXX to XXXX, every bank report starts at XX/XX/XXXX, The Bank History and the Year to Date Loan History, The account also starts with no money in Escrow, when there was money in Escrow when they purchased us. Now that was gone, We were being charged for Hazarsd Insurance we did not need or ask for XXXX per month plus homeowners insurance also, 4 times WF has out us in foreclosure first time, we owed XXXX ... ... the second its XXXX plus XXXX lagte payments for 2 months and another charge of grounds kepping, i have the nicest cleanest house on the block, so take your XXXX inspection fees and just wait cause i have copies of every bit of money you took from me elegally, their are made up amounts that are made up to cover the Escrow i had to pay twice of XXXX. WF claims they never received a check I sent for XXXX if you look at the incoming payment There is XXXX in amount received and XXXX in Ecscrow and a amount left over that they put as a - whan the differenced was a plus, went into unapplied funds never to be seen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information being reported is inconsistent or incorrect. I have tried repeatedly to have this information removed. There are several issues wrong with these accounts not being reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint regarding two accounts Experian is reporting. I have sent disputes to Experian multiple times reporting the errors in their reporting but somehow Experian continues to respond the accounts are verified as accurate. This is very confusing because the two accounts are reporting the same collection, yet they are reporting completely different information? Account XXXX is reported by XXXX with the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX and the amount owed as {$3500.00} and XXXX is reporting the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX with the amount owed as {$2400.00}. This is the exact same account as reported by the account number. That can not be possible, this is one account with one original Date Of Delinquency and one balance amount. I have also reported to Experian that I did not believe this account was mine due to another family member having the exact same first, middle and last name. Yet again, Experian does not even acknowledge my disputes. I have requested validation from XXXX and XXXX and NEITHER have provided ANY information showing this account belongs to me or proof that what is being reported is correct. XXXX and XXXX have both deleted these accounts from my report because they were unable to substantiate the account. What information does Experian have to report these accounts? And if Experian has correct information, then why are these accounts reporting with completely different Dates Of First Delinquency and different amounts reported? Arent all three of these issues violations? Why is Experian continuing to report these accounts if they have not and can not be verified? And why has Experian completely ignored my requests for an investigation, yet continued to report the accounts? Can you please direct me to the proper channels so that I may hold Experian accountable for the blatant negligence, failure to investigate and continued reporting of these accounts with obvious errors even after I have repeatedly provided Experian the information to make an educated decision. I am also including XXXX in the complaint due to re-aging of the account. These accounts are definitive, they are supposed to have only one open date, one close date, one date of first delinquency and one date of last payment and those dates are required to report the same. XXXX has re-aged this account to make it appear newer in attempt to further damage my credit ; in which both Experians and XXXX false reporting have hurt my credit substantially.
Product: Credit reporting or other personal consumer reports

I requested for proof of debt validation and was not given any type of proof of debt validation yet the dispute came back " valid ''. I want reported account removed. 

THE DISPUTE File Identification Number : XXXX XXXX XXXX XXXX {$1800.00} OTHER ACCOUNTS I'VE TRIED DISPUTING : XXXX XXXX XXXX XXXX {$8100.00} {$0.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$400.00} ( THIS ACCOUNT WAS REMOVED THEN ADDED BACK ONTO MY CREDIT ) XXXX XXXX XXXX {$1800.00} MY CREDIT REPORT IS NOT SHOWING THE ENTIRE ACCOUNT NUMBERS
Product: Credit reporting or other personal consumer reports

I received a letter from your company stating that the item I disputed has been up-dated with new information. Well, after carefully looking at my credit report, I dont see what has been updated, and I dont think that was the reason for my dispute. Im a bit confused here. Please tell me what has been updated? For example, has the balance on my account changed? Was the late payment indication on my account removed? What has been updated? If your company cant fully disclose what has been updated, then I need you to re-investigate the item that I disputed. 

XXXX XXXX Each day your company refuses to investigate the incorrect item is causing me stress. Im asking you for a second time to please investigate the negative accounts listed above. 
I think 30 days should be long enough for your company to complete this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX Acct # : XXXX
Product: Credit card or prepaid card

I had a credit card with Chase bank in which a few weeks after receiving the card, a fraudulent transaction was made to 'XXXX  XXXX  ' on XX/XX/2019. The charge was for almost {$6000.00} and I disputed the charge. 

I spoke to several customer service, security team etc agents and nothing was done until I received a letter a few months ago claiming that " They had received my fraud claim for a purchase of around {$460.00} on XX/XX/2019. It was to XXXX XXXX  but it was for the wrong amount and the wrong date. I NEVER even made a purchase of ANY kind on XX/XX/XXXX, and my credit card statements reflect that. 

So I filled out the fraud claim statement but told the fraud team that this was the wrong amount and the wrong date. The agent I spoke to stated that it 'was fine and they would take care of it ' Months later, this fraudulent charge is STILL showing up on my account as of today. Even more so ... .Chase has been charging money for the outstanding balance payment AND still charging me interest for the account. Even while their investigation was going on, they are now even charging me a late payment after I spoke to an agent and said I refused to keep paying on a balance in which I made NO charges. 

I still have the fraud claim letter and my credit card statements PROVING that the mistake was on THEIR part. And they closed down my account as if I was the one to blame. This is beyond unprofessional and I am upset about being ignored and taken advantage of. I have still made payments before now because I figured that Chase would reimburse me for my payments and plus I didn't want it to show as a late on my credit report since the process of dealing with the credit bureaus is enough of a pain and would take a lot of unnecessary time. 

Please have Chase delete this fraudulent charge and I would like them to restore my account. The fraud was NO fault of my own so there is no reason I should be treated as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated. 


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. 


XXXX EXPERIAN 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! 


Update the late payments from my consumer reports