23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from Experian, XXXX XXXX and ( the consumer reporting agencies in question ), in reference to my initial complaint. In my original complaint, I detailed my dissatisfaction with the credit reporting agencies reporting on my correct spelling of my name, not including my address, transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. I have attached a copy of my original complaint for reference. the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, Experian has violated my rights under the FCRA and my rights under the Privacy Act of XXXX. I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. I request that the Consumer Financial Protection Bureau takes appropriate action to ensure Experian, Experian and XXXX complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit accounts. I appreciate your attention to this complaint.
Product: Debt collection

The company is from California so I know no one in that state I live in New York. This caller started in XXXX and calls were every other day. After two weeks I started to notice it was once a day I answered the phone and no one answered. This is now XXXX and I saw it 2 times a day and also in XXXX Now in XXXX three times a day. Today XXXX/XXXX/XXXX they called me at XXXX I answered and no answer. So I got the Number from my phone and called it. It was a collection company. I could not here the name because the woman spoke with an accent. I am not feeling well and I have had enough. I want this harassment to stop as I said they are calling me 3 times a day. The name of the company is called XXXX XXXX XXXX. I just called them again and a man answered I understood him and he said this is an attempt to collect a debt.
Product: Debt collection

On or about XX/XX/2020 FAST Inc. received a request for verification of a debt from me. FAST replied on XX/XX/2020 claiming fraudulently to have confirmed the information. 
The information written on the checks is obviously not mine. Neither the drivers license number nor the date of birth or signature are mine. 

The checks clearly were not written by me and it is obvious that FAST INC has violated the law by continuing to post inaccurate information to my credit file.
Product: Mortgage

I had completed a divorce in XXXX of 2017 and was awaiting my ex-wife to sign the quitclaim deed, to have her name removed from the mortgage title. After several legal measures were taken and two years I obtained the quit-claim deed and all necessary documents that the mortgage company required. I sent in all documentation ; including a signed letter from my ex-wife stating that she no longer lives at the property nor does she make any payments on the mortgage. 

The mortgage company XXXX Planet Home Lending , LLC XXXX stated they received all documentation but when I took the next steps to refinance the mortgage in solely my name the mortgage company refused and are trying to add my ex-wife 's name to the refinance. They will no longer accept any payments and instead return any and all mortgage payment attempts. 

I have become so utterly defeated with this my mortgage lender where now I have no other options but to sell my home where my children stay and attempt to find somewhere else to live. I have no extra monetary funds to hire an attorney and the company does not want to work with me nor do they care about my family or previous service to my country.
Product: Mortgage

Trying to get PMI removed from my loan as the market around my home has gone up considerbly in the last 3 years. 



I was originally told the appraisal would cost {$470.00} from XXXX XXXX XXXX after sending in a letter in the mail to request an appraisal to remove PMI. I sent in the check for {$470.00} and XXXX increased the price to {$780.00}. I have been trying to contact XXXX on the phone about this but whenever I get through the maze of menu prompts they hang up on my after waiting to speak to a representative.
Product: Credit reporting

I requested Equifax to verify a tax lien on my credit report. Case No. XXXX. I tried to verify this information with the court as well as the county auditor and was told that they do not verify information. Both the court and the auditor told me that Equifax received this information from a third party reporting agency. Because they are unable to verify the information, it must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX, IN XXXX Balance {$3500.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$2400.00} XX/XX/XXXX 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Telephone XXXX DATE OPEN XX/XX/XXXX credit limit {$4200.00} charge off XX/XX/XXXX {$3900.00} XXXX XXXX  has stolen my Identity and created securities in my name with out my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a late payment for account XXXX XXXX XXXXXXXX XXXX in XXXX of 2020 when I was never late. I do not believe this was investigated because if it were XXXX XXXX  XXXX would have stated that my payments were deferred during covid hence the reason that XXXX and XXXX are not reporting a late payment. I have tried to get this taken care of months ago, but I think that Experian ignore consumer complaints. If this late payment is not removed immediately, I will be seeking legal action due to inaccurate reporting and negligence of a consumer 's credit report. Please keep in mind that this is not a third party, but a real individual who cares about their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter previously to three credit bureaus to inform them that the disputed items still remain on my credit file. I kindly request that you assist me to investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Kindly assist me to remove these fraudulent items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX : XXXX Balance : $ XXXX CARD XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : $ XXXX BANK XXXX Balance : $ XXXX XXXX Balance : $ XXXX OF XXXX XXXX Balance : $ XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX CRED ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : $ XXXX CHILD SUPPORT ENF XXXX XXXX : $ XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX : XXXX XXXX : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : $ XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$3400.00}.
Product: Debt collection

his started when GM Financial sent my account to a collection Agency called XXXX XXXX XXXX.  I will start by telling you the situation. I was in a career ending accident with this very car ( XXXX XXXX ). From that point on I had to apply for XXXX in PA. Unfortunately it takes 2 years before you get a hearing in front of an administrative judge. So I was unable to pay my payments. Now the original loan was taken out in XXXX of XXXX. The problem started when XXXX XXXX  got involved. We were talking about making a settlement on the account that's when the games started. I explained my situation and told them that I was Permanently and Totally XXXX. I said I would be willing to give you my total monthly income of {$1100.00} to settle this debt, because I only make {$1100.00} a month from XXXX. The total bill was {$9700.00} when I defaulted back in XXXX. The woman said that she would send in the request to GM financial, with the reason why to see if they would accept, because of my condition. She told me it would take about 2 weeks to get an answer, and that she would get back to me. So two days pass and I get another call, This is XXXX XXXX  etc. I am calling about a debt that you owe. I said I have already discussed this with one of you reps and put an offer in, she said she sent it off to GM Financial for review and to see if they would accept the offer and she would get back to me in two weeks. He said sorry it never happened. Then he says if you give my {$6000.00} I will send the offer in. I said I don't have that kind of money, I am XXXX and only make {$1100.00} a month, but I can do what I offered the woman. He said he won't do it. Then we hung up. These calls have gone on for 3 months now. They went as low as {$1100.00} and as high as {$6000.00} and everyday it's a new figure. One day it was {$2000.00} last week. It is just game after game. I told them the only offer and money I have is {$1100.00} and I will give it to you in good faith to show you I am not running from My obligations and good Faith. But again, it just depends on who calls me for that day. One day they say they will send in the offer and it never gets done
Product: Credit card or prepaid card

Account ending in XXXX. On XXXX  I opened 5 billing disputes against the same merchant. The merchant wasnt able to fulfill my orders and advised me, in writing, to charge back those transactions with my bank. I uploaded a copy of this communication to Amex. 

On XX/XX/, Amex credited my account for the disputed transactions. This credit is usually temporary pending dispute investigation. 

On XX/XX/, Amex closed t he 5 dispute cases in my favor. It has been more than 30 days since I filed the dispute. Amex gives merchants 20 calendar days to challenge charge backs, that time has now passed and the credit balance is no longer temporary. I submitted multiple requests to Amex to refund the remaining credit balance without success. Every time I receive the following message : We wanted to let you know that unfortunately we are unable to process a wire transfer at this time. Your account is under review with another department.
I never received any sort of communication from that department r

egarding this review. Under 12 CFR 1026.11, Am
ex is required to refund any part of the remaining credit balance within 7 business days from receipt of a written request from the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved, I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. you must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this debt and that it is accurate and complete. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and came across something that doesnt belong there. Theres an item listed that I dont recognize and never authorized. I have no connection to it, and its bringing my XXXX XXXX down unfairly.
Product: Mortgage

I was able to make my payments ahead. I no longer can do this. 
Ability to pay ahead in case of emergency is why I used LoanDepot for my mortage
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan was fraudulently made in my name by Navy Federal Credit Union on XX/XX/2019 with a current balance of {$5300.00} According to the Fair Credit Reporting Act, 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. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX XXXX I'm complainging about Western Union I Just want my bill to be paid on time I have to pay the XXXX XXXX XXXX XXXX.. dollers or XXXX .dollers for an Estate   reimbursement Reqsal  situation. Can you associate I'm useing the same debit card for my online purchases..as well I have three purcaess or rather Money Transfers in question but only have two tracking numbers and one of them are doubled for some reason they are XXXX which was supposed to go to my tax man XXXX XXXX XXXX XXXX also though he has the only other showing the amount for the same in-which not my intentions, I just wanted to associate for my Requsal I'm useing the same card this number or Mtcn is XXXX The other I had a hundred dollers sent to Mr. XXXX and they gave me a problem after I received my relieving I changed the name amen to XXXX XXXX .XXXX XXXX Please help I have a sick Mother.. 
My email is XXXX My Card Number XXXX XXXX XXXX XXXX XXXX ( for XXXX ) XXXX as seen on Card.. 
XXXX XXXX ... 
And my XXXX XXXX XXXX Exspired today ... and I sent a XXXX As well with a Notery to the people at Westren Union as well with what is a Insurance receipt for delivery from the Post Office..with tracking numbers Reqlusal  relivance of Notery within Reqlusal beats copy of I'd!!!! Ofcourse within whome gets notery Amritrad Obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company several times starting XX/XX/2019 until now to remove this account off my credit due to it not being my account. I have not got any sufficient results.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items removed and deleted from my credit report effective immediately. I am a attaching proof that Equifax is admitted that i was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report my claim number is XXXX
Product: Checking or savings account

My promotional account bonus in the amount of {$250.00} for signing up for he account was due on XX/XX/23 and it has not posted. I have had nothing but problems with this account as their was a banking error nearly every month.
Product: Checking or savings account

In XXXX of XXXX  Bank of America paid XXXX insurance company from my business account XXXX. I cancelled the XXXX XXXX in XXXX part of XXXX. 

I initially tried to dispute the amount of XXXX with XXXX and to no avail. I then phoned Bank of America on or around XX/XX/2024. They were able fund my account in XXXX for XXXX. Additionally, they were to place a stop payment for any future transaction under XXXX for the amount of XXXX. 

On XXXX, XXXX, XXXX and XXXX, Bank of America allowed XXXX to process payments for XXXX totaling {$1200.00}. 

Bank of America is refusing to issue me provisional credit for the amount they allowed to process through this account. This was also a debit card transaction and the card ending in XXXX was locked which should have prevented those transactions. 

Bank of America also paid those transaction as the account did not have enough funds to do so. Even though my account is opt out of paying transaction where there are not enough funds. Bank of America stated because this is a reoccurring charge, it pays regardless. 

On today XX/XX/2024, I spoke with a Bank of America XXXX name XXXX ( ID XXXX ) PHONE number XXXX Bank of America claims dept. She stated it was nothing Bank of America can do and she understood the error in XXXX by not protection the claim from future transaction, but unfortunately its nothing she can do. I requested someone in a higher position then her and she stated " there is no one higher '' I think Bank of America should be held liable for this action and issued my credit back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX and XXXX  XXXX   # XXXX are double reporting on my account. XXXX   XXXX  was sold to XXXX  funding but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised online, & someone used my identity & banking information to open an account online in my name without me noticing until I checked my credit report. The company with the loan in my name thinks its me because my information was stolen which is fraud but they do not care. company called one main financial
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed credit disputes with all 3 credit bureaus regarding accounts that do not belong to me. Ive requested a copy of the verifiable documents that the credit bureaus are stating they verified and validate that the account belongs to me. I do not believe they have any verifiable information or documents. I am requesting all accounts that do not belong to me to be deleted and removed from my credit profile immediately. 
The following account collection and charge off accounts : XXXX XXXX accounts XXXX charge off account XXXX charge off account XXXX charge off accounts XXXX loan charged off accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo HELOC - I began refinance of my Home on XX/XX/XXXX. Credit report showed paid as agreed for Wells Fargo HELOC. This account was also verified with XXXX   Mortgage Service and me on the phone and Wells Fargo stated that there were no late payments The mortgage company ran our credit a few more times and surprisingly on XX/XX/XXXX Wells Fargo added a late payment for XXXX which is not correct. I have made all my payments on time and in 14 months have not received one late  payment fee. I have been working with Wells Fargo HELOC department to rectify this since XX/XX/XXXX and the late payment is still on the credit report. This is incorrect and Wells Fargo is not returning messages although I have a dedicated individual that is supposed to be clearing this up. After speaking to a representative today they can't seem to explain but told me I was late in XXXX. I have a copy of all payments for the last year and I was not late once. Now our FHA refinance is in jeopardy. Wells Fargo is one on the worst organizations I have dealt with.
Product: Credit card

Someone charge my Best Buy credit card in XXXX, Fl. for {$850.00} dollar and I have never been to XXXX, Florida and at the time of these transactions I was at my parents house, because my mom was in XXXX XXXX XXXX XXXX on XX/XX/XXXX. The charges were made from XX/XX/XXXX thur XXXX XXXX XXXX. I have proof I was in XXXX, Ohio on those dates,. Best Buy refuses to feel this was fraud and is affecting my credit score for something that is out of my control. Please help.