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

I am filing this complaint in regards to the information you have furnished on my consumer report as of XX/XX/year>. You responded on XX/XX/year> to my initial request for an investigation stating that the information had been verified. Thats impossible because I have never entered into a consumer contract with any of these data furnishers. I noticed that you have violated federal law 15 USC 1681a ( 2 ) ( b ). Your negligence has prevented me the right to extend credit and as a result, I have been a victim of discrimination. See attachments for proof. As a consumer reporting agency you are required to evaluate the information you furnish about me before adding the information to my consumer report. Your agency is now put on official notice of these violations, which makes you liable. Furthermore, according to 15 USC 1681 ( a ) ( 2 ) A detailed mechanism must be created to perform an investigation determining the credit worthiness, credit standing, credit capacity, character and my overall reputation.You have directly reported information that has resulted in my defamation of character. The deceptive information you furnished has led to creditors and employers believing that I am in debt, even though you have failed to provide adequate proof. I have documented evidence based on the fact that they are violating 15 USC 1692j ( a ) Your company has caused extreme financial and emotional hardship for me and my family. According to 15 USC 1681 ( o ) you are liable therefore I am granting your company the chance to rectify this matter by doing the following. 

The immediate deletion of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The bank confirms that the funds ( $ 34K+ in principal deposits ) in my company 's savings account are " on the ledger '' but that they are " not available. '' Regrettably, they can not advise as to why, or what needs to be done in order for the funds to be released. I repeatedly went to the Citi branch in XXXX, California and they advised me it was a " fraud '' issue. I called Citi fraud and they confirmed there was no fraud and noted on the account that there was no hold from their department. The branch then tried to call various Citi departments to get an answer but was unable to do so.
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 - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$4200.00} XXXX XXXXXXXX - XXXX - {$4700.00} Late Payment XXXX  - XXXX - {$1400.00} XXXX - XXXX - {$300.00} XXXX XXXX XXXX - {$19000.00} XXXX XXXX  XXXX XXXX - {$270.00} XXXX - XXXX - {$1400.00} Personal Information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year>
Product: Credit card

I have a current credit Card with Capital One. I have paid off a card in full since XX/XX/2023. However, before paying off, I received many late payments on this account, and I did not understand why it was reported late. I was making automatic payments on the payment date, and they were still reported late.
Product: Credit reporting or other personal consumer reports

I am reaching out to address an issue regarding an account that appears to be erroneously linked to me as an authorized user. In light of this, I am exercising my rights under the Fair Credit Billing Act ( FCBA ) to demand a comprehensive investigation into this matter. 

Account Information : XXXX XXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts I request a detailed record of all transactions related to this account, encompassing charges, payments, and any adjustments. Access to this information is essential for confirming the inaccuracy of the account 's reported association with my financial identity. 

If you are unable to provide the necessary documentation within 30 days of receiving this letter, I respectfully request that this account be removed from my credit reports with all reporting agencies. Such a measure is in line with your duty to ensure the accuracy of reported credit information. 

Thank you for your immediate attention to this request. I am eager to see this issue resolved swiftly and am hopeful for your prompt cooperation. 

Kind regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and XXXX XXXX. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary XXXX  to my life on top of hurting my XXXX XXXX.
Product: Student loan

I HAVE REQUESTED A COPY OF THE ORIGINAL PROMISSORY NOTES FOR THIS ACCOUNT AS I KNOW THAT THE BALANCE IS GROSSLY INACCURATE. MOEHLA NOR THE XXXX HAS PROVIDED THE REQUESTED INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX  XXXX {$7600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX   XXXX {$300.00}
Product: Credit reporting or other personal consumer reports

fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX LexisNexis and XXXX 's I file a request to opt-out and add a Security Freeze and they wont do as I ask
Product: Mortgage

I was deceived into applying for a mortgage with Wells Fargo Bank on or about XX/XX/2018. I had previous experience with them as both a mortgage loan originator, and as a mortgage loan servicer, so I had no reasonable reason to believe that they would operate in any deceptive manor. 
I worked with Loan Officer XXXX XXXX XXXX ( NMLSR ID XXXX ), Loan Processor XXXX XXXX ( NMLSR ID XXXX ), and Sales Manager XXXX XXXX XXXX ( NMLSR XXXX  ). 
On XX/XX/2018 I was charged {$500.00} for what was supposed to be an independent appraisal that was supposed to be completed by a competent source, and was not to be controlled or influenced in any way by Wells Fargo Bank/Home Mortgage. 
That was absolutely not what occurred. Wells Fargo not only chose an unqualified and under compensated appraiser, they also put undo stress on the appraiser to control the outcome by limiting the appraiser 's ability to properly comp the property.

The Appraiser XXXX XXXX XXXX ( GA License # XXXX ) told the agent upon arrival that he hated doing appraisals for Wells Fargo, as they limited his scope, and they underpaid for the job. He was only paid {$280.00} for the appraisal, of the {$490.00} invoice. 
In turn, Mr XXXX XXXX completed the appraisal at a value {$170000.00} below sales price. 
At that point, I brought this information to the attention of the licensed parties at Wells Fargo, and filed a formal complaint with their Compliance team, only to be left hanging with no result. As they simply denied the accusations, and confirmed the value with their Appraisal Escalation team.

There have been 2 formal appraisals completed following this by other appraisers, 1 opinion of value completed by a 3rd appraiser, and 2 BPO 's completed by Agent/Brokers, all of which support the market value, and completely discount the appraisal completed by Mr XXXX XXXX. 
Wells Faro has refused to refund my money.
Product: Debt collection

All dates are included in screenshots. Portfolio recovery has been removing and adding back the same debt for over 6 months while dragging my credit score down.
Product: Vehicle loan or lease

In XXXX of XXXX I took our an auto loan with Bank of the West on a XXXX XXXX XXXX for XXXX, and in Late XX/XX/XXXX I paid off this account in full. However, I have yet to receive the title from the Bank of the West & they have closed my online access to the account. Thus when I call every single number online I either can not get pasted the automated prompts ( because I dont know my account number ) or if I get someone on the phone they can not provide me any information on when ill let me the original title from them. I have waiting over 8 months from paying off, and would like the title provided to me as the owner of the vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XXXX XXXX BANK-Inquiry XXXX CARD-Inquiry XXXX-Inquiry I want this information to be reviewed because it does not belong to me and it is doing a lot of damage to my credit history.
Product: Debt collection

On XX/XX/XXXX, I received a collection notice saying this case was turned over to collections since I had not responded to previous correspondence. I never received anything from this company before so I did not know anything about it. I had XXXX XXXX XXXX on XX/XX/XXXX and I have gotten another bill from an outside billing source which is probably related to this one. I've already talked to the hospital and they informed me after the fact that they bill doctors in the emergency room outside of their hospital. I already set up a plan to pay monthly and it's almost paid off, but I didn't know that I would be getting other bills from another source. This is unfair and was never explained to me. I have already spent several XXXX dollars and now I'm getting hit with all these new bills. 
This new bill looks suspicious. I received it after their office closed so I haven't been able to call them. I discovered from other sources online that they are not cooperative on the phone so I sent a message to the hospital who performed my XXXX XXXX and explained the situation. I'm worried that my information must be out there in the wilds if I'm suddenly getting these notices. I also don't want my credit ruined because I have an excellent credit rating. I'm nearly XXXX and I don't need this, and since my XXXX XXXX I have been in bad condition. 
If this is legitimate, I need proof I owe this money since I never received it so I don't know what this bill is for. The last bill was for radiology and something else, but I discovered I didn't owe what they said I owed. My XXXX and VA accounts paid for it, but they still charged me. I suspect the same to happen with this collection service.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries on my account that I asked to be removed because they are unverified and unauthorized. I have contact XXXX  about XXXX XXXX XXXX  on XXXX, XXXX XXXX XXXX on XXXX, XXXX  XXXX XXXX  on XXXX, and XXXX  on XXXX. Ive also contacted transunion about XXXX XXXX on XXXX and XXXX XXXX XXXX on XXXX. If these are not removed then its against the FCRA. These accounts are not attached to any open accounts so they are unauthorized and need to be removed. You consequences for these false reports results in a {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires I did not authorize one on XX/XX/XXXX from " on site manager '' & two from " XXXX XXXX '' on XX/XX/XXXX & XX/XX/XXXX, these two from XXXX XXXX  were supposedly for an XXXX, I was told by XXXX there would no hard inquiries & did not authorize them to do any.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX  Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX Creditor : ( Original Creditor : XXXX XXXX ) Account : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several XXXX  issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
XXXX XXXX
Product: Mortgage

My adjustable rate mortgage is serviced by BSI Financial. The mortgage terms limit rate increases and decreases to 2 % per year. The rate was increased by 2 % as of XX/XX/XXXX and by 2 % on XX/XX/XXXX which exceeds the limit. BSI Financial confirmed the 2 % annual increase limit in various letters. The company is not following the terms of the mortgage. The rate has now increased 4 % in less than a year with rate increases of 2 % at XX/XX/XXXX and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Trying to link my PNC account with my XXXX account please fix this
Product: Credit reporting or other personal consumer reports

EARLY WARNING SYSTEMS CONSUMER REPORTING AGENCY IS REPORTING NEGATIVE AACOUNTS ON MY REPORT
Product: Student loan

I do not have the exact dates. I called them several times since XXXX. I called them shortly after I lost my job letting them know and asked if my loans can go into deferment and they said no because they don't have {$0.00} payment options. I continued to make payments, hoping I would soon get a job. Once my unemployment ran out, I called them again and told them that I just can not afford the payments and they said there was nothing they could do. I have been consistently paying them with no issues until now. I took my account off autopay because my monthly payments were over {$300.00}. I am on XXXX. I'm trying to keep a roof over my head. When I started missing payments, they called and I told them the exact same thing and their only response was " well, how are you paying your bills? '' They had no compassion or sympathy about my situation as if I WANT to not pay back my loans. I'm already in the ground and they are trying to add to my burden and kick me while I'm already down. I do NOT have a job. I'm on nobody 's W2 or 1099. Now they are threatening me to take me to court. I called them today ( XX/XX/year> ). I explained to them again that I have not worked since XXXX. I am trying to keep a roof over my head and not end up homeless. I told them unless they can make my payments under {$100.00} a month, I still can not afford the payments. They said my payments would be around {$250.00} and I told them I just can not afford that. I was told if I don't make a payment next month, they would take me to court and they would make a note in their system explaining the situation. I told her if I had a job, I would gladly pay but I just can not afford to right now.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Checking or savings account

There has been many times were Navy Federal has shown i had enough money in my account to afford certain things. I would go and purchase items and somehow my account is negative and I get charged so many overdraft fees. This has happened on my credit card and debit card. Recently, it happened about XXXX weeks ago, but Ive been dealing with this problem since XXXX  which is when Ive joined navy federal. I screenshotted my account for evidence and cropped my name and account information out of course, but its just for reference. Its ridiculous and it causes many of my peers stress.
Product: Mortgage

My mortgage is " underwater ''. 
I do not have an FHA mortgage and my mortgage is not backed by either XXXX XXXX or XXXX. 
I have searched for an FHA Short Refinance but am not able to even apply as NO MORTGAGE LENDERS PARTICIPATE in this government advertised program. 
Why advertise a program that does not exist?
Product: Checking or savings account

A settlement offer was made by XXXX XXXX to me in XX/XX/XXXX in the amount of {$3700.00}, offer was accepted pre-mediation. Prior to this, I mailed in a mediation request form, XXXX contacted me, offered this amount due to past checking and savings accounts opened which were not authorized by myself. The accounts were opened by Wells Fargo reps in order to meet unrealistic sales goals. According to an email from XXXX, payment was supposed to be received on or around XX/XX/XXXX, it is now XX/XX/XXXX, no payment received. Additional complaints were filed since, Wells Fargo has replied by sending additional mediation request form, a total of five filled out and send it, most of which were denied.. The last mediation rep, XXXX XXXX, replied stating a check was sent in which case I did not receive it as I've stated numerous times prior in past complaints.. Further, he stated he is not a handwriting expert but he claims I had signed it when again, it was not received, contradicting himself. He also denied any information reported to third parties such as XXXX ( XXXX XXXX XXXX ), a  letter received that day on XXXX stated otherwise.. It appears offer made by XXXX XXXX was low-balled as I've spoken with other current and former Wells Fargo customers whom have received more with lesser damages than myself ... XXXX also denies this but was unable to show me anything proving offer was " in line '' with others.. Needless to say, nothing resolved with him, I then requested to speak with someone in charge ... .XXXX XXXX reached out in re and we've been messaging ever since. A fraud investigation in regard to lost check was made, have not heard outcome of it, a XXXX called me in re, was advised of source of check and reason it was issued..He has not reached out since.. It appears Wells Fargo will not reissue check, honoring their settlement offer, numerous CFPB complaint have been filed in regard to fraud check issue ... A total of four different reps have replied including a XXXX XXXX, XXXX, XXXX, a last rep by the name of XXXX. All four reps use the same bogus line, " Wells Fargo has made numerous efforts to resolve my concern, exhausted all resources '', I can assure the CFPB this is a lie as non of the reps mentioned above have detailed one such attempt which might include reaching out via phone, email, or otherwise ... If they had, they would mention it in replies which they have not.. There was no reply to complaint filed prior to this, number XXXX, no attached response.. However, I can assume such reply, if given, includes the same bogus form response detailed above. Currently, a mediation session is scheduled, however, the issue of fraud check remains unresolved. Failing to reissue check, I request Wells Fargo provide proof of whom and where it was cashed. I have attached copies of check in question as well as fraud affidavit.