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

XX/XX/XXXX 1.Experian has on my report double information ... XXXX XXXX is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

2.Experian has on my report double information ... XXXX is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

3.Experian has on my report double information ... XXXX XXXX  is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

4. Experian has on my report double information ... XXXX XXXX is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

ALL 4 OF THE ABOVE ONLY RAN MY CREDIT ONCE IN XXXX AND EXPERIAN HAS IT ON MY CREDIT REPORT TWICE, IDENTIAL ITEMS TWICE, THEY NEED TO CORRECT THIS IMMEDIATELY! There is no reason that a double credit check would have been ran on the same month, I only purchased ONE CAR! 

XXXX want my credit report to reflect 1 CREDIT CHECK from each one below not 2. Two credit checks were not done ONLY 1 WAS DONE FOR EACH BELOW IN XX/XX/XXXX.
Product: Mortgage

I applied for and was granted a loan modification on the above Home Equity Line of Credit on XXXX XXXX, 2014. This process lasted nine months during which time I made interest payments as directed by Bank of America on time and in the amount requested. However Bank of America reported all XXXX of these payments as " missed '' to XXXX and XXXX which has severely impacted my credit score. 
I am requesting that these are removed from my credit report as it does not accurately reflect the integrity with which this loan handled. There is a big difference between ignoring a financial obligation and following instructions of a loan modification representative. In the ten years prior to the balloon date of my HELOC all of my payments were made on or before the due date and more than the minimum payment was made. During the modification process ALL of the payments were made on time and in at least the amount requested or more. 
The purpose of credit reporting is to indicate a borrower 's credit worthiness and commitment to repay their debt and I have made every effort to repay this loan in a timely and consistent manner and fulfilled all requests for documents during the modification process in 48 hours or less in an attempt to expedite that arduous process. 
This report has seriously impacted my credit score causing my homeowners and car insurance to go up substantially and I see no purpose in Bank of America damaging my credit score when I have fulfilled all that they required from me with this loan.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with these fraudulent account. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent account would be promptly removed upon submission of the required FTC report. 

XXXX XXXX XXXX. 

It is noteworthy that both XXXX and XXXX have already purged this account from their records after identifying and correcting an error. I am puzzled by the continuation of verification for this account by your bureau when other agencies have already eliminated them. I urge you to expunge this account from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. I insist on immediate action to remove this fraudulent account from my credit report, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please delete this fraudulent account promptly, as they are the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2.. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately
Product: Prepaid card

Subject : Urgent Assistance Required Regarding Frozen Account Good afternoon, I hope this message finds you well. I am writing to address a concerning situation involving my account, which has been frozen. The predicament arose when I attempted to transfer funds from my account to pay my new landlord. Regrettably, the transaction was declined by XXXX XXXX, subsequently leading to the freezing of my Venmo account due to suspected suspicious activity. 

The gravity of this situation can not be overstated, as I am now faced with the imminent risk of homelessness, along with my two dependent children. The requested amount of {$1800.00} is pivotal for securing our housing situation, and I am urgently seeking your assistance to expedite the release of these funds by Friday. 

Despite my attempts to seek resolution through customer service, the supervisor appeared unhelpful, intensifying my sense of desperation. I implore you to consider the urgency of this matter and provide the necessary support to unfreeze my account promptly. Your assistance in this critical situation would be immensely appreciated. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was once a wells customer and the overdraft fees was coming left and right in knowingly
Product: Credit card

A purchase of {$93.00} on XX/XX/2023 was made using XXXX XXXX XXXX XXXX  using Affirm platform. The transaction was canceled and refunded by XXXX ( the online merchant where the transaction was purchased ). We have reached out to both XXXX XXXX  and Affirm regarding the refund but neither companies are unaware where the refund is. Both companies are also unwilling to connect with each other to resolve the dispute/investigate where the refund is since both have been redirecting us to the other company to ask for the refund. Also, the term " payment chargeback '' has been used multiple times but the real concern is either companies keep referring us to the other company to collect the refund without further resolution and we keep going back and forth regarding this same issue for months. We need XXXX XXXX  AND/OR Affirm to look further and trace back the refund because both companies are saying the refund is not with them/their responsibility. So please, where is the refund?
Product: Credit reporting

I ca n't get my free annual credit report and it 's asking about mortgages which I never had.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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

Hard inquires XXXX. XX/XX/XXXX- XXXX XXXX XXXX  - Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this. 
XXXX. XX/XX/XXXX- XXXX XXXX XXXX  - Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this. 
XXXX. XX/XX/XXXX XXXX XXXX XXXX  XXXX Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this. 
XXXX XXXX, XXXX XXXX XXXX XXXX  - Im the victim of identity theft and I dont recognize this hard inquiry and I didn't authorize this hard inquiry. 
XXXX - XX/XX/XXXX - I DIDNT GIVE THIS COMPANY PERMISSON TO OBTAIN CREDIT RERPORT I HAVE NO KNOWLEDG OF THIS HARD INQUIRY. 
XXXX. XXXX XXXX - XXXX XXXX, XXXX Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this or have a credit card by this company.
Product: Debt collection

I have a situation with about amerifinanancial solution I never have any contract with them and my personal information are liked to them I say that not me I would like they enforced them to remove my personal information to them I see I owed them More than XXXX $
Product: Credit card or prepaid card

Regarding recently closed complaint XXXX : 1. ) Despite asking to close this account since XX/XX/2018 in the presence of a Wells Fargo Representative at the Wells Fargo location inside of the XXXXXXXX XXXX XXXX XXXX in XXXX Utah, while on the phone with a representative from the Wells Fargo Card Service, Wells Fargo continues to send me notices that I am delinquent on this credit card that was closed months ago. 

2. ) Wells Fargo purposefully took longer than necessary to apply my collateral of {$300.00} to the account to incur more fees and to attempt to put a negative mark on my credit as a penalty for closing my credit card. The collateral was not applied until yesterday, XX/XX/2018, despite requesting this account to be closed on XX/XX/2018. 

3. ) The notice that I was sent this week directly conflicts with what my account says when I log in ( see both attached ). My account currently states that i owe {$16.00} ( which is not true as well ). The letter states that I am in default {$58.00}. Wells Fargo is purposefully being confusing as yet another penalty for closing my credit card. 

4. ) This entire situation was unnecessary and arose from Wells Fargo charging myself a late fee on or before the actual due date of payment on this account. 

5. ) This ongoing issue that I have with Wells Fargo charging my credit card fees that no one would explain and then denying closure of my account repeatedly for several weeks since XX/XX/2018 has caused myself much unnecessary waste of personal time and added stress. Total time lost due to this unnecessary situation is approximately 4 hours to date. 

6. ) It is my belief that Wells Fargo routinely targets low income and credit score disadvantaged individuals with these types of " miscommunications '' and illegal fees as a means to strong-arm credit disadvantaged individuals who are in fear of receiving a bad credit report from Wells Fargo. Wells Fargo also uses this as a means to dissuade these same disadvantaged individuals from closing their accounts. This activity described is both illegal and immoral.
Product: Credit reporting 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 15 USC 1681. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, has violated my rights. 

15 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

Someone opened a checking account under my name. Then made a cash advance from my credit card into the checking account. Then they made an external transfer from the checking account to another account outside of my financial institution.
Product: Debt collection

I saw the debt on my credit and it was Linked to an address I never had. I tried to delete the address off and it stated That I had to call a company. I sent the proof where I lived at the time and the company still wont take this off my report.
Product: Credit card or prepaid card

Capital One set my monthly credit card due date on the first of the month. I made my credit card payments on XX/XX/2020 and XX/XX/2020. That is ONE single day late for each month. And, I paid more than the minimum each time. For both months, Capital One charged me 25 % interest for the balance carried over each month AND {$38.00} for each month. 

I called Capital One on XX/XX/2020 to request leniency for the late fees due to the uncertainty of my pay during the COVID crisis. I asked to have the fees removed for XXXX and XXXX. The senior account specialist named XXXX told me in no uncertain terms that all fees and interest would stand because Capital One has procedures in place where " late is late even if it's by a minute. '' She said her decision was final. 

I am sure this supervisor is enforcing policy per Capital One 's corporate culture and standard operating procedures. Whereas other companies have shown understanding during the pandemic period, Capital One is operating with rampant corporate greed. They are like price gougers during a natural disaster/state of emergency.
Product: Checking or savings account

THE RESPONSE BELOW SHOWS THAT DISCOVER BANK SENT THE FUNDS TO THE WRONG ACCOUNT at XXXX XXXXXXXX XXXX XXXX XXXX an ACH debit was initiated to push funds from your Online Savings account referenced above to your account at XXXX XXXXXXXX XXXX and Trust ending in XXXX '' MY ACCOUNT ENDS IN XXXX and is correct in my Discover external bank account information. 

I made several attempts to verify the account that Discover sent the funds to on XX/XX/XXXX and they refused to tell me online or on the phone. I opened a complaint against Discover Bank for a {$3000.00} ACH transfer that they claim was completed with tracking number provided, and now that complaint has been CLOSED WITHOUT INFORMING ME UNTIL I INQUIRED again on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX  Subject : Complaint Regarding Inaccurate Late Payments Reported by Equifax Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX XXXX and XXXX XXXX  are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Late Payments : XXXX, XXXX, and XXXX XXXX  High Balance : {$3100.00} Balance Owed : {$1300.00} Account Status : Open, Current Account Type : Credit Card Evidence XXXX XXXX XXXX XXXX XXXX : I have been enrolled in XXXX, ensuring all payments were made on time. 
Discrepancy in Reporting : Equifax incorrectly reports XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XXXX XXXX  respectively. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request. 
Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payments for XXXX, XXXX, and XX/XX/scrub>XXXX XXXX  from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate balance and reporting inaccurate credit history. I have already called to request them to update but no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been reported on my Credit Report for years without my authorization to do so I have tried to resolve the issue by asking them for the debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally bank claims that we missed 2 back to back car payments. We have bank statements proving the money was taken out of our account by the due date. They claimed it had been reversed but no where in our statement was the money returned. They claim that in their system we only missed the month of XXXX. 4 different months were reported on 3 different credit reports as being late payments. Our car payment is {$340.00} a month, sometimes we are charged that, sometimes we are charged {$100.00} more. The first time I called to get this resolved the woman stated that they had a glitch in their system and our payment was now late for XXXX. We set up auto withdraw payments 3 times and they had been working. She was very rude and refused to let me speak to someone higher. She said she would investigate the issue. My husband made me an authorized user as well. That was Friday, today is Monday. I just called and the woman that answered said that the entire system was down and she couldnt access any accounts, she said to try again in 2 hours. I  called back 10 minutes later and tried to speak with another woman who said I wasnt an authorized user on the account ( she had no issue accessing the account ). Next, we tried to log into our online account and they have it locked. Not only are they charging us sometimes {$100.00} extra a month, but they are falsely reporting to the credit bureaus. We are trying to buy a house and no one will approve a loan with 2 back to back missed car payments.
Product: Student loan

I have called SoFi multiple times and they refuse to put me on their do not call/ do not mail list. They say they do n't have my information in their system, but they clearly do as they are able to solicit me through multiple channels ( email, direct mail, etc ).
Product: Mortgage

In XXXX of 2020 I r

equested to apply for a refinance on my mortgage with Freedom Mortgage. They warned it may take several months to hear back from them because they were overwhelmed with all the requests they were getting. In XXXX  I received my monthly bill and noticed a charge of {$470.00} was put on my account. When I called to inquire about this I was told because I was filing bankruptcy that they attached a fee. When I assured them I was not filing bankruptcy then I had them verify that I was at the time, two months ahead on the house payment. The representative tried to find out why a simple request to apply for a refinance would now have me showing Bankruptcy, She spoke with a few people and they were perplexed as to why that had shown up. They told me to ignore it. They would have it removed. I still had not heard from anyone about refinancing. 

Late XXXX  I requested someone call me to refinance. NO call back. 
XXXX I went on line and applied to refinance only to be told a representative would call me. NO call back. Yet the {$470.00} fee still remained on my account. 
XXXX, I decided to go through another company. I closed on the refinancing with no problems. I closed on that loan in XXXX. Freedom Mortgage included the {$470.00} fee in the pay off. 
I called Freedom Mortgage to get a refund of my escrow funds and inquired about the fee. They told me they would look into it and if I was eligible they would refund that. 
XXXX I received the escrow check minus the {$470.00} they had charged me.

I called Freedom Mortgage and got a really rude sales  representative that refused to help me and said I had to speak with the refinance department and the person I was working with. I NEVER worked with anyone because instead of calling me to get the refinance started they just marked my file as being in bankruptcy. Thank goodness I stay on top of my credit or this could have ruined me and my ability to get refinanced I want the {$470.00} back that they charged me. I was never in bankruptcy and even the last sales representative that was so rude to me, said that that was happening a lot. Instead of helping people with refinancing they were marking the accounts with bankruptcy. In fact she had just had another incidence. This lady couldnt/wouldnt help me because I could not get her to understand I never made it to speak with a refinancing expert because they would not call me back.

I want the {$470.00} back that they charged me. This is insane that they have this power to charge you for something like this and I can't get anything back.
Product: Money transfer, virtual currency, or money service

Zelle wouldnt allow any transfers to come through or go through kept calling and they claimed the issue was fixed which it never was constant problems for months