23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

- We are trying to refinance our second home property at XXXX XXXX XXXX XXXX XXXX CA XXXX. - name XXXX XXXX XXXX Wells Fargo keeps manufacturing reasons and delaying the refinance. 
- Aside from taking an unusual amount of time we have more than met all guide lines but they have made these excuses with long delays 1- We had a forbearance with XXXX. Wells Fargo said a Verification of Mortgage would suffice in showing an end to the forbearance. We produced that document from XXXX to then have Wells Fargo tell us we need a letter showing an end date to the forbearance. XXXX said they do not produce and to use the Verification of Mortgage which is standard. 
After working days with XXXX  I was able to have them produce a letter showing an end date. All of this despite Wells Fargo saying a Verification of Mortgage would suffice in the beginning- they then changed the guideline to a letter showing an end date knowing I did not have one. 

2- As of XX/XX/XXXX I requested for an update since it had been weeks since all paperwork was provided. The response I got " Unfortunately, not good news due to the forbearance. They stated that 3 consecutive payments were not made in time before the application. Underwriter stated we can re-apply and have it assigned back to her and can approve it as shes aware of the file. 

We were not able to get an exception and approve the current transaction since his third payment was made on time after catching up the loan as of XX/XX/XXXX which was after the application date of XXXX " This again was newly manufactured underwriting guidelines. I showed all my payment history with large lum sums paying off the forbearance amount and three consecutive payments for the three previous months- XXXX, XXXX and XXXX Now months after the fact they say they needed to see three consecutive payments before my application??? - new info and I did provide months of payments From XXXX - XXXX- the monthly mortgage along with large payoff amounts. This could have been determined when I first uploaded my payment history. Showing 6 months or more of consecutive payments. This is brand new information/ rules after they pushed this and delayed this well into the holiday season. 

I only found out because I proactively reached out. They have no reason to not honor our refinance - these practices are unfair, scrupulous and deceitful to consumers. They can not make guidelines on the fly that apply to one consumer and not to others. They are working well outside the bounds of fair and normal guidelines not to mention prolonging this as a wear down tactic- Please advise asap as they will now use the excuse that the refi paperworks is aged and all needs to be updated.
Product: Credit reporting or other personal consumer reports

I HAVE FILED MULTIPLE DISPUTES WITH XXXX XXXX XXXX. THIS ACCOUNT WAS OPENED BACK IN XXXX. HOWEVER, CREDIT ACCEPTANCE IS REPORTING INACCURATE INFORMATION ON THIS PREVIOUS AUTO LOAN. THEY ARE REPORTING ME ''LATE '' WHEN I HAVE NOT BEEN LATE ON THIS ACCOUNT. FURTHERMORE, I HAVE SPOKEN WITH A REPRESENTATIVE IN THEIR DISPUTE DEPT SEVERAL TIMES AND I WAS TOLD THEY WILL FIX THE ISSUE. THE ISSUE IS THEY ARE REPORTING NEGATIVE INFORMATION ON THIS ACCOUNT. ALSO, THEY ARE NOT UPDATING ANY PAYMENT STATUS?! I HAVE ALREADY PROVIDED BANK STATEMENTS THAT SUPPORT MY DISPUTE. ALSO, CREDIT ACCEPTANCE HAD SYSTEM ERRORS DURING THE PANDEMIC THAT PLAY IN FACT. AFTER, I REVIEWED A LETTER FROM THEM THIS MONTH XX/XX/XXXX. THEY ARE STILL NOT REPORTING ANY ACCURATE INFORMATION! THIS ACCOUNT IS NOT SHOWING ANY CREDIT HISTORY, TERMS, OR PAYMENT STATUS. THEY ARE ALL EMPTY! THIS NEGATIVE INFORMATION IS HURTING MY CREDIT SCORE XXXX POINTS FOR ABSOLUTELY NOTHING! THE CREDIT BUREAUS ( EQUIFAX AND XXXX ) ARE HOLDING THEM ACCOUNTABLE FOR THIS MATTER.
Product: Debt collection

Synchrony Bank has called my cell phone repeatedly without my permission for the last week. They call me 3-5 times a day. I am on time with my payments with the account I have with them. I have spoken to several different representatives and no one can figure out why they continually call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as the 3 credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX. I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX, CFPB & FTC Please take note of the following : Per CFPB Complaint # XXXX Direct Dispute with XXXX XXXX. XXXX XXXX  stated the following : Our office received multiple disputes filed through the credit reporting agencies ( CRAs ) beginning XX/XX/XXXX. In response to those disputes, we reviewed our records and confirmed that the information we reported to the CRAs, including the number of payments and delinquency dates were accurate based on our records ; as such, there are no adjustments necessary. Our records do not indicate any previous changes submitted by XXXX to the CRAs. Any discrepancies reported by the CRAs would need to be addressed by them directly, as we report the same account information to all CRAs. 
According to XXXX XXXX the issue is with Experian, XXXX and XXXX reporting incorrect information and puts the burden of failure on each of the CRAs, as well. Ive disputed this account for inaccuracies ( 4 to 5 times now with each bureau ) and each time payment dates have changed. 
Question is : If XXXX is reporting the same information to each of you and you all are reporting differently plus the fact that the on-time/ late payment dates are being changed during each dispute. Who the XXXX, is making these inaccurate changes. In according to XXXX XXXX claim these are changes to the account they did not authorize or initiate. This constitutes fraud. 
Each Report for Each of these bureaus have changed during each dispute and I have the screenshots and the reports to prove it. See attached FYI : I have previously asked you to remove this account to it being inaccurate and unverifiable, but yet you refuse to. I hereby demand, the removal of this account in full based on the facts stated above and previously. You have failed verify the accuracy of this account but yet lie and tell me its verified when in fact it is not, repeatedly. 
[ attached : Screenshots showing various changing dates, etc ] Either the CRAs or XXXX XXXX is lying, but none the less, due to XXXX XXXX statement in our direct dispute CFPB Complaint # XXXX dated XX/XX/XXXX, this account just became unverifiable.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX  - {$2000.00} XXXX XXXX XXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a lettter to the credit bureaus on XX/XX/2021 certified mail stating that i never gave them consent to report these accounts on my report these things or hindering my identity.

According to 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission.
Product: Credit reporting

court financial record- judgment was {$950.00} and paid. Person awarded judgment works for county and abused his position by filing incorrect amount with State having full knowledge Judgment was paid in full. XXXX, Please remove from my credit report as it is an error not only in amount but that 's judgment is satisfied.
Product: Debt collection

In XX/XX/XXXX ProCollect reported a collection of {$230.00} to my credit reports after I asked them to stop calling and harassing me at work. Additionally I asked them to send me a proof of their authority to collect the alleged debt claim against me and a complete accounting of the alleged debt. ProCollect didnt provide any of the requested documentation. 

In XX/XX/XXXX I requested the documentation again- the proof of their authority to collect ( purchase agreement ) and a complete accounting of the alleged debt and requested to have the collection removed from my credit reports in case they can not provide this information. ProCollect didnt provide any documentation AGAIN and didnt remove the collection report from my credit files. 

ProCollect is in violation of the Fair Debt Collection Practices Act by the use of misleading representations and unfair and deceptive practices in the attempted collection of debt.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and dissatisfaction with the ongoing challenges I have faced in attempting to rectify fraudulent items on my credit report. Despite multiple attempts to dispute and remove these inaccuracies, my efforts have not yielded the desired results, and the fraudulent items continue to adversely affect my credit standing. 

I have diligently followed the dispute process by submitting multiple letters and supporting documentation, including police reports, affidavits, and any other relevant materials, to substantiate my claims of fraud. However, despite these efforts, the fraudulent items persist on my credit report. 

I demand that you conduct a thorough and immediate investigation into these matters and take prompt action to remove the fraudulent entries from my credit report. This situation has caused significant distress and has a severe impact on my financial well-being. 

Additionally, I am requesting regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed with the utmost urgency to prevent further harm to my financial standing. 

If my concerns are not addressed promptly and satisfactorily within 30 days of receiving this letter, I am prepared to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59.00} XXXX XXXX XXXX, XXXX, TX, undefined XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts with the XXXX XXXX XXXX XXXX that are showing on my credit report. These accounts have been closed for some time. 

They are showing missing payments from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX There was any agreement made and these payments were made up.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 



These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to by my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : AXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX & XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies Equifax, XXXX, and XXXX in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ). This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX XXXX XXXX before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.
Product: Money transfer, virtual currency, or money service

I contacted for debt consolidation I was set up to pay ( x ) amount to take care on my debts with creditors and I paid 38 months of 42 months when I was contacted to pay more money and I said I paid what you asked for and did not pay for 3 accounts so I ask to be refunded for the money taken for this account. I was then asked to do a signature link so they can then be able to continue with the paperwork however I was lied again and when I did the signature invitation was for then to trick me for a settlement of {$180.00} when I paid about {$14000.00} and they only paid about {$1500.00} of accounts refuse to return all money taken for 3 account. More info when I get contacted. Thanks for your help in advance
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Inaccurate Information from Credit Report I am writing to dispute the following information on my Transunion credit report. The account in question is : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounts contain several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ). According to these sections, all information on my credit report must be 100 % accurate across all three credit reporting agencies. If the information can not be verified as accurate, it must be corrected or removed. 

This inaccurate information is unjustly affecting my credit standing. Therefore, I request that you investigate this matter and remove the inaccurate information from my credit report. Enclosed are copies of my credit report highlighting the inaccuracies, as well as any supporting documentation. 

If my request is not fulfilled within 30 to 45 days, I will proceed with litigation to collect {$1000.00} in damages for each inaccuracy on my credit report, as permitted by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and final lost, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is an unauthorized inquiry on my credit report from XXXX XXXX, I never signed ANYTHING FROM THEM!!
Product: Checking or savings account

Ever since i startwd using cashapp i have lost money due to the way they have no security against scams. Someone can easily pretend to be a family member and take money from the account.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX decreased XXXX points at the beginning of XXXX. I had exceptional credit and worked hard to get it that way. I am about to rent or buy a house and this greatly affects me. Upon looking into it, Experian noted that the extreme drop of my XXXX XXXX was due to " XXXX accounts closing ''. After looking into this further, it appears that since my XXXX student loans are currently deferred until XX/XX/year>, the loan provider ( XXXX ) somehow reported my information wrong and said my accounts were closed or delinquent. I have messaged them and have not heard back to resolve this issue. NOTHING has changed with my loans and they are NOT delinquent. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi, Thursday, XX/XX/XXXX at approximately XXXX XXXX., Someone hacked my PayPal account and made XXXX money transfers from my personal bank account to PayPal and then transferred that money from PayPal to his account. 
That person STOLE {$550.00} from me. 
I'm very worried, I need my money back, XXXX  please help me!