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

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been in touch with Wells Fargo directly and also through your system. 
Our credit report shows two HELOC Payments late. Which is NOT Correct. 
Each month we pay our bills and are given a conformation number to prove our payment. Wells Fargo takes another step and sends us a letter with another conformation number and our account information. We are still supposed to trust this. 
HOWEVER, We clearly have Conformation # XXXX for payment on XX/XX/XXXX for {$720.00}. Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. 
We have a documented conversation with Wells Fargo Supervisor XXXX XXXX as well as her employee ID # XXXX. When we received a call that our HELOC was late, we were escalated to XXXX XXXX ( supervisor ) who explained to us that Wells Fargo had NOT Processed the payment, through no fault of ours and that no late fees or late notice would be filed - It was purely a Wells Fargo bank error. 

Second misreported late : We have Conformation # XXXX for payment on XX/XX/XXXX Letter of receipt from Wells Fargo saying they received payment with correct full routing number and correct last four of our account number. 
And a Note from my husband speaking with representative, same story, the told my husband that Wells Fargo just did not process. We were contacted by Wells Fargo saying they would look into it. 

Wells Fargo told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank weasel out of taking off this MIS-Reporting because they reported the date THEY PROCESSED, which is after they noticed THEIR mistake. 
Wells Fargo is KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. Please Help Us, XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX HAD BLOCKED ALL THE CREDITORS IN MY REPORT, AND REMOVED THE INQUIRIES. HOWEVER, I LEFT SOMETHING OFF CALLED BACK AND GOT A NEW FRAUD REPRESENTATIVE, SHE REINSERTED ALL THE INFORMATION BACK IN THE REPORT, HER NAME WAS XXXX, WITH NO REASONING, AFTER XXXX HAD ALL THE INFORMATION CORRECTED AND DELETED. I SUED XXXX A FEW YEARS AGO, AND WON THE CASE, SO I ALWAYS HAVE WHAT SEEMS LIKE RETALIATION WHEN I TRY TO GET ANYTHING CORRECTED. THEY DONT EVEN TRULY VERIFY THE INFORMATION, THEY JUST COME BACK VERIFIED. I SEND THEM ALL THE FTC REPORTS, AND CFPB REPORTS, AND THEY HAVE STATED THEY WERE NOT VALID, SO I ACTUALLY FILED A POLICE REPORT, ALONG WITH THE REPORTS. I HAVE XXXX BANKRUPTCIES, WHICH IS NOT EVEN POSSIBLE IN THE TIME FRAME THEY STATED, YOU CANT EVEN DO THAT, AND THEY SAID THEY VERIFIED THROUGH XXXX WHICH IS INCORRECT, BECAUSE XXXX HAS NOTHING NEGATIVE ABOUT ME NOR ANY BANKRUPTCIES. 

XXXX, SENT IN A LIST OF THINGS THEY HAD DELETED TO THE CFPB ON MY RECORD, HOWEVER, THOSE ITEMS ARE STILL THERE. THEY STATED THEY RECEIVED A REPORT FROM XXXX THAT THEY HAD DELETED THE ITEMS, THEY GOT A REPORT FROM XXXX AND REINSERTED THE ITEMS. THATS NOT THE WAY THAT IS SUPPOSED TO BE DONE, BUT YOU CORRECTED ALL THE FRAUDULENT INQUIRIES OFF. 

TRANSUNION, HAS XXXX NEGATIVE ITEMS, WHICH ARE NOT MINE, AS WELL AS A BANKRUPTCY, THAT THEY CANT VERIFY THATS NOT MINE, BASED ON XXXX NO BANKRUPTCY INFORMATION EXISTS ON THEIR RECORDS. 
THEY ARE NOT USING MY CREDIT REPORT CORRECTLY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. states I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have had this Comenity Ulta Mastercard for a number of years. In the past year, I have noticed the payments are not applied as you submit them on the website. I pay my statement balance each month to avoid interest. But the website never takes the full amount that you request. Therefore, exposing you to high interest charges. When I notice this fact in my bank account I go back in and make an additional payment, but if I don't notice it, I end up getting charged the high interest rates. I believe it's a scam to be able to charge customers and make money fraudulently. I have called customer service multiple times and complained about this flaw, with no avail. I am cancelling the card but thought it should be documented what they do and hopefully corrected in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XX/XX/2021 to dispute a XXXX bank account on my credit profile. after a breif removal it was placed back again on my credit profile with a different balance. original balance when i first disputed was about $ XXXX. now its over {$13000.00}. 

i have been trying to reach XXXX bank fraud department unsuccessfully. Even with my latest dispute with XXXX I asked to have the merchant contact me at a number i provided. they have never tried yet kept allowing the card to make purchases knowing that I have disputed it almost a year ago. 

i was finally able to locate a phone number for the XXXX bank fraud dept. I called their card members and asked for that number and was given ( XXXX ). after holding for good 20 minutes i spoke with some very rude lady who was literally yelling at me and she said my claim needs to be handled by the card member services.. whene i told her i was transfered to her from their she ignored and sent me back to the que with about 30 minutes hold. 

i have never had an account with this company and they have not follow procedure when opening an account ( fraud alert on my profile ) and ignore all my disputes of the account being fraudulent and let it continue to add charges.. making my credit profile look very bad. 

i demand they remove this identity theft account pursuant to the Fair Credit Reporting Act Section 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against the company Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. These actions have caused significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$16000.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00}
Product: Debt collection

This company went and placed a collection account on my credit report but has never sent me a bill or even reached out to me. I have filed multiple disputes with all 3 credit reports and they just send back that they verified it yet they don't show me proof of the verification like I have asked them too. I have written the company multiple times with the little information I have on my credit report about the account and I have never heard a thing from them. I have even written the CEO of the collection company and no response.
Product: Mortgage

Attempted to complete a VA Streamline IRRRL refinance for my home property. After receiving approval for the loan they provided disclosures with the new loan estimates and charges. I saw there was not a VA funding fee associated for VA home loans. I asked, deliberately, about the absence of this charge. The representative stated USAA were exempt of this charge by the Veterans Administration and did not have to apply this charge to its members, creating incentive for myself to pursue this loan. I asked again to confirm and the USAA representative went to confirm that this was valid by confirmation of her colleague and her direct manager. They also acknowledged this exemption to be true. As we approached closing, I did not receive final disclosures, which is not typical. I attempted to reach the processor who had been servicing me thus far, and she was not available. On her VM, she directed calls to another representative as she was out of office during the week. I could not reach said representative or a manager. This was XX/XX/XXXX. Closing was the next day XX/XX/XXXX. I did not receive a call back or any feedback prior to the notary coming. Upon signing I noticed more discrepencies and the notary informed me I have 5 days to cancel the transaction. For the time being I completed the signing and intended to correct or rectify the situation. During signing, I viewed new unpreviouslydisclosed charges ( One being VA Funding Fee ), improper deed recording information, and other concerning relevant transaction details. I again attempted to contact USAA the next business day XX/XX/XXXX, this morning, but a manager or  the previous processors were not available. I feel a compliant is most appropriate given what has transpired.
Product: Debt collection

XXXXXXXX XXXX XXXX inserted my parents address on my credit report and sent 4 letters to their house, which I was unaware of until almost a month later. There was no communication from that address and no reason for them to assume I would even get the letters. I feel like this is a shady attempt to get a default judgement against me without my knowledge.
Product: Debt collection

I spoke with XXXX from the company on XX/XX/19 on a collection item with the amount they claim I owe of XXXX reported on my credit file ask for validation and licensing to collect in my state a havent received anything.
Product: Mortgage

first of all, I was never informed from XXXX subserviced by LoanCare that they have a data breech where they shut down their phones and online accounts. so, when trying to make a payment for my mortgage on XX/XX/23 I could not. I called customer service and got nothing. Called again XX/XX/23 for a rep to answer the phone and was not helpful all she told me was I don't have any information. when I asked her about late fees, she said she didn't know. Finally got an email from LoanCare saying that their back online so I tried making a payment online inputted my checking account number and hit submit for it to say unable to process payment so I hit exit and called and made a payment over the phone got my conformation number. an hour later I get an email saying thank you for your payment of {$2000.00} which I was like good it went through but only to get a second email saying thank you for your payment {$2000.00} now I'm freaking out because if they try to take-out two-house payment my account will be overdrawn. my first payment will go through but no the second one and I hate for that to happen because I'm NEVER overdrawn or late for a payment. So, I called My bank which the funds come out of XXXX XXXX they said they don't see anything yet but takes about 24-48 hours to process they said to contact LoanCare let them know of the situation they should be able to reverse or stop payment. She said if I don't hear from them to call back XXXX XXXX, they will try to submit a disclaimer. I called LoanCare today XX/XX/23 at XXXX was on hold for XXXX min for the rep to tell me that she'd need to transfer me to a supervisor so in that process she hung up on me this is VERY frustrating!!!!!! I've been trying to call and get a live person but all I get is, if you're calling during normal business hours sorry for the inconvenience if you're calling after business hours, please call back tomorrow during normal business hours and hangs up not option for waiting just hangs up. I'm stuck I don't know what else to do this is just not right how they can run a worldwide business like this and get away with this?? Please just some call me back I need answers.
Product: Credit reporting

I 'm making a complaint against TransUnion for their negligence in not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 
Public Records US DIST CT XXXX- you have the filing date on this bankruptcy listed incorrectly and I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA XXXX In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX -this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;
Product: Credit card

I have a Kohl 's department store credit card. Heretofore, I received printed statements by mail. I received a " friendly reminder '' email from Kohl 's stating that my account was overdue. Upon calling Kohl 's customer service I was told that my account was designated as " paper free, '' that I had been sent XXXX electronic statements and my account was 40+ days overdue -- I had not received any Kohl 's statements by any means, printed via U.S. mail NOR electronic resulting in Kohl 's charging a {$25.00} late fee plus {$5.00} interest. I performed an email search and found no Kohl 's email re. an electronic statement. -- My first phone call to Kohl 's customer service was less than helpful where the rep. insinuated that I was lying on all counts. My 2nd phone call to Kohl 's customer service resulted in a reversal / removal / credit back of the {$25.00} late fee. Negligence by Kohl 's to issue electronic statements to consumers result in consumers ' failing to make timely payments, resulting in a company 's realizing unjust interest and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I got behind on my mortgage payments due to my company placing me on a administrative leave of absence due to internal investigation due to no fault of mine and prior to this my hours had decreased due to COVID-19 at work bc my kids were having to do remote learning and I had no sitter for work. So I was already struggling to make payments and then I was unemployed until XX/XX/XXXX with only unemployment money being received. I inquired about the hardest hit fund but was told that it was closed and not accepting any more applications so finally in XXXX I was approved for forbearance for my mortgage after continued delays in the application process. I made my {$50.00} a month payment as directed for XXXX and XXXX and I was notified in XXXX that XXXX XXXX had transferred my loan to XXXX XXXX. Well today I get notification that I have a major delinquency on my credit report from XXXX XXXX and it states my mortgage is 120 days past due causing my credit score to decrease 27points in one day. I was told that as long as I was in forbearance and making my trial payments on time then my mortgage would not be reported as delinquent to the credit bureau. I attempted to reach out to XXXX XXXX but couldnt get issue resolved
Product: Mortgage

I applied for HAF in early 2022 as soon as I knew making my mortgage payment was going to be difficult, to say the least. I described in another complaint that I was scammed and lost almost {$3000.00} to my bank after that was held for many months It set my finances behind so badly I couldn't make my payments and before I knew it I was months behind on my mortgage. HAF said that I was approved and we are basically just waiting for funding and that the lender, United wholesale mortgage, also known as XXXX XXXX 's loans, just needed to contact them but there was no communication between the HAF and the lender. After going back and forth between the two of them for months there was no resolution and ultimately it seemed like no one really cared about the situation anymore. Even though I was approved for assistance It rode out until the very end when I was supposed to go to foreclosure. Just before the date for auction luckily I found an investor who's willing to buy the property in the last minute to at least avoid the foreclosure and get me out of the house. But now I don't have my family home, we're struggling to pay rent because it's so much more expensive than my mortgage ever was ... my life is totally upside down and I feel like I was almost duped and wasted all my time trying to correct a situation that I could have corrected myself. But I was told not to make any payments because they were going to handle everything and making a payment could affect the approval process and the funding potentially. I found out after the fact as well that I could have stayed in the home under a HUD provision that would have allowed my family to stay there as long as we made partial payments and kind of leased the place back to ourselves but no one told me about that and I didn't know anything about it until I got a letter when we already were out of the house. The whole thing seems very suspicious and something is off for sure. I've fallen into a deep XXXX over it and have had no idea what to do so I'm praying this complaint has some sort of positive outcome at least. I can't see myself owning a home any time soon after over 7 years of being a homeowner. It's very disheartening especially now that we have a XXXX XXXX XXXX daughter and raising her in a nice home in a nice neighborhood was in our grasp and suddenly it was all stripped away.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX