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

In XXXX, I applied for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to reduce my monthly mortgage payment. During a trial period of XXXX  months, I made a new payment amount of {$760.00} as stipulated. It was less than my regular monthly payment of {$1300.00}, and I later found that my credit report reflected as 60 days delinquent. 

Since I had complied with the XXXX terms, I disputed my credit record with XXXX in XXXX, XXXX, and the determination was that Wells Fargo had reported my account status correctly. In XXXX, XXXX, I disputed my delinquent credit history again, this time with XXXX and directly with Wells Fargo. Both determined that my credit history was accurate. 

In XXXX, XXXX, I received a letter from Wells Fargo stating that my account had been incorrectly reported as delinquent to the credit reporting agencies during the XXXX trial period. I filed a complaint with Wells Fargo to ask what remedy there would be for this XXXXyear-old error. Delinquencies remain on a credit history for XXXX years ; correcting the error with the credit reporting agencies at this point does nothing to repair the damage already done. In fact, the timing of Wells Fargo admitting their error only after the delinquency period had passed is suspect. 

In XXXX, XXXX, Wells Fargo declined my request for financial compensation or any remedy other than notifying consumer reporting agencies of their error.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts that Ive marked as inaccurate are : 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

XXXX ; Experian and XXXX  are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was fraudulently opened by a housekeeper I had who stole my identity. I called and filed a formal complaint with the police department immediately after I discovered that this account had been opened. I have attached a copy of the officers contact information. I did not open this account, nor did I authorize anyone to open this account. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Product: Mortgage

In XX/XX/XXXX I contacted Wells Fargo Bank in order to refinance with cash out and lower the interest rate on an existing loan with them. My desire was to refinance the loan and cash out {$30000.00} which would have brought my new mortgage to about {>= $1,000,000}. My Wells Fargo representative was XXXX XXXX. On or around XX/XX/XXXX on a recorded line, I informed her that I had a mortgage foreclosure with Wells Fargo Bank that dispositioned in XX/XX/XXXX. She stated she had run my credit using my social security number and was UNABLE to find it. She completed my credit application using the information she found on my credit report. I never personally completed the application. The process proceeded with me submitting all requested documents and paying out of pocket expenses of {$540.00}. for the property appraisal. The property was appraised at $ XXXX+ on  XX/XX/XXXX. On XX/XX/XXXX, Ms. XXXX informed me that the Underwriter had located the Foreclosure dated from XX/XX/XXXX. My application was denied for refinance due to the Foreclosure. I inquired about refunding my money for the appraisal, as I had informed Wells Fargo early on that I had a foreclosure in XX/XX/XXXX. Ms. XXXX stated that my appraisal may still be valid by the time the seven year mark ( XX/XX/XXXX ) and that I may use the appraisal at that time. I told her that was foolish due to real estate being a very dynamic and volatile market. That appraisal is a dead document at this point. Not worth the paper it's written on. 
I reached out to Wells Fargo XXXX XXXX and XXXX XXXX and XXXX XXXX handled my case. I requested that my appraisal fee be refunded. My argument was that I told the Wells Fargo representative early on in the process that I had a foreclosure in XX/XX/XXXX. I could have avoided wasted anticipation, expectation, and most of all money if she would have informed me that I would not be approved based upon the recent foreclosure. 
Mr. XXXX sent a letter dated XX/XX/XXXX denying my request for the refund of the appraisal fee I paid. 
Wells Fargo has been in the news lately for their practices and missteps. I believe that I was wronged in this incident, and respectfully request that their business practices be investigated again. 

Sincerely, XXXX
Product: Checking or savings account

On XX/XX/XXXX, XXXX XXXX XXXX got tickets purchased with my debit card information fraudulently. 
On XX/XX/XXXX XXXX XXXX got a reservation made with my debit card and the information was used fraudulently. XXXX XXXX gave me my money back in XXXX  days XXXX XXXX XXXX said that they don't give money back at all they were non-refundable tickets. I said not if it was fraud you have to give it back to me. My bank said that it would take 90 days and that they may not give me a temporary credit. I went to the police and the police check the ISP addresses of my device and the device that logged in to get those tickets and the reservations made they did not match mine and I was cleared. 
I gave my bank chime Bank which is backed by XXXX. 
XXXX XXXX XXXX committed fraud and made tickets and claim that I got those tickets. The post office said that no mail ever left XXXX XXXX XXXX address to mine in the last year since back in XXXX of XXXX. 
Chime Bank actually found against me because of the information sent to them by XXXX XXXX XXXX. I told my bank you have the police report proving that it was an unauthorized transaction and all you need to do is call XXXX XXXX XXXX and find they never sent me any tickets in those tickets were never claimed and those tickets were never used. 
For some reason chime Bank denied me again even with all this proof that it wasn't me and that I didn't authorize it they still gave my money to XXXX XXXX XXXX. I have asked for any new information to show why they're denying my claim. So far I have gotten nothing but my account sits in a negative because of chime Bank and deposits and withdrawals have been stopped because of that negative balance. Chime Bank refuses to pay attention to the facts and they also gave me a new card back in XXXX because of the unauthorized transaction. I really hate the fact that they're not giving me any information to show why they're denying me because the information they gave me after the first time I've already proven to be fraudulent and wrong because XXXX XXXX XXXX even wrote them and said we never did give XXXX XXXX  any tickets but we've got a XXXX for him if he ever wants to go to a future concert. I said that's my money I don't want to go to any concert I didn't pay for the first XXXX but you guys are stealing my money from me even though the police agree with me that it was an unauthorized transaction and the fact XXXX XXXX XXXX admitted they never gave me anything for the money.
Product: Credit reporting or other personal consumer reports

Got all from XXXX XXXX  involving someone trying to increase credit on my credit card. Then they transferred me to experian. Number is XXXX XXXX there was a fraud alert people trying to apply for a car loan with my ss number. After all that they said they could wipe my credit card debt out and close out the cards. So we said no. Called XXXXXXXX XXXX and they said no one ever called from XXXX And card was good. The number for the call from XXXX was XXXXXXXX XXXX it and said it was XXXXXXXX XXXX  in Texas and also a robo call. The thing is they had all our credit information and ss number. What should we do?
Product: Credit card

Refer to the attached documents for your examination. I urge the bureau to initiate an investigation into these accounts that incorrectly report me as late, despite my punctuality.
Product: Debt collection

You guys have closed the earlier complaint against XXXX for not removing a XXXX collection after I paid it in full and they have a letter from the collection agency proving its paid in full and is to be removed. I just looked on XXXX page. I signed in and this is what is on there. Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$XXXX} Amount {$XXXX} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # XXXX Creditor Classification XXXX Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX So the amount is still there. The report is still there but they told you that it was taken care of. No its not. If you will notice the full amount I owed is still on there. They do not care. They are going to do what they want to do and to heck with the rules and regulations. Im fed up with them and demand they remove it immediately. I will get a lawyer. Its ridiculous as if life is not hard enough as it is people have to deal with junk like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i'm writing today to seek assistance in getting a response from the bureaus about a few accounts im not familiar with and have sent multiple letters to get complete documentation on where they are coming from I sent letters on XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 accounts im concerned about XXXX & XXXX credit, global lending Please if someone can assist me with this i've been trying for months with no response
Product: Credit reporting

I have made numerous disputes to Experian about incorrect information on my credit report which has not been completely investigated. Or removed. 
Both XXXX and XXXX both processed the same complaints and removed the obviously incorrect information on my credit reports. 

Incorrect information still on the Experian Credit Report:1. XXXX XXXX account XXXX ... .listed is not my account. It was my husbands account he used for business and was written off when he filled for Bankruptcy for himself. 
I have requested where Experian confirmed this information and did not receive any responses. I believe that just have not taken any action other than sending back a Credit Report with no changes. 
This account is also listed as an individual account. Which it was my husbands. 
If I was on this as a joint account XXXX XXXX would have not written off the account since I did not file bankruptcy with my husband. 

2. Report listsSocial Security number variations : XXXX This is not my social security number. It is my husbands and should not be listed on my Credit Report. 

3. Incorrect address is listed on my report. I never lived there. It is incorrectly listed as a single family residence. It is a XXXX mailbox location. It was an address my husband used for his business. Not I was not on the account and never received mail at this location. 
XXXX XXXX XXXX # XXXX, CO XXXX identification number : XXXXType of Residence : Single family4. Incorrect address is listed on my report. I never lived there. It is incorrectly listed as a multi family residence. It is a XXXX mailbox location. It was an address my husband used for his business. Not I was not on the account and never received mail at this location. 
Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXAddress identification number : XXXXType of Residence : Multifamily5. Experian Dispute processing is deliberately difficult. 
The Address and the Social Security number disputes were refused in an online submittal. I was told i could submit online documentation and that was also blocked.
Product: Credit card or prepaid card

I purchased a flight on XX/XX/2020 to XXXX from XXXX XXXX. The flight was scheduled for XX/XX/XXXX to XX/XX/XXXX. This was before COVID was on the radar in the US. 

COVID was then declared a world-wide pandemic in the middle of XXXX. I chose to cancel my flight when XXXX offered a flight voucher as compensation for the cancellation. 

I initially tried to purchase a flight using their voucher in XXXX and was given an error message that said " Error : The travel credit that you are attempting to use has no remaining balance available for use ''. I figured the site could be down that day so I tried again a different day I was given the same error message. As of today ( XX/XX/2020 ) I am still unable to use their voucher. 

I initially filed a claim with Chase stating this issue, but Chase sided with the merchant claiming I knew XXXX 's non-refundable cancellation policy. The cancellation policy is not the issue. The issue is that it is literally impossible to use the XXXX voucher. The voucher also EXPIRES at the end of this month ( XX/XX/2020 ). I have tried multiple times now to contact XXXX customer support team and every single phone number on their website says that the number is no longer in service or gives you an error tone. I have sent them an email via their complaint portal and never heard back from a customer service representative. 

XXXX STOLE {$560.00} from me. This is completely unacceptable and I am beyond disappointed in Chase that it was even denied the first time. 

I have exhausted all of my options. I have tried to use the voucher multiple times. I have tried to contact their customer support multiple times. I am at the breaking point where I really need my credit card company to back me on this. 

I would be more than happy to provide additional proof upon request.
Product: Debt collection

I recently graduated from graduate school in XX/XX/XXXX, at which point a number of student loans I am holding ( from XXXX expenses ) went from being in deferral to being in their 6 month 'grace period '. After learning that my private student loan debt was being serviced by a company called " University XXXX XXXX '' ( XXXX  ), I set up an account with the company to see what I owed. What I found was that XXXX listed two loans in my name, XXXX of which was familiar to me ( and which I have since refinanced with another lender ), and another that was not. Specifically, this second loan that I did not recognize was listed as being held by the XXXX XXXX " XXXX XXXX XXXX '' XXXX XXXX ), which has ( to this day ) not showed up in any of my credit reports. After searching the internet, there is no website or contact information available in connection to this lender. Some of the only relevant information I could find about this lender was that their loans were bought in XXXX by another lender " XXXX '' in connection with a foreclosure sale. I have a document from XXXX stating this ( attached XXXX. I have also contacted XXXX and they assured me that they did not own this loan ( however, they did own my other loan serviced by XXXX, which I have since refinanced with another lender ). 

At this point, I contacted XXXX for clarification regarding the details of this loan and to express my concern regarding its potential validity. UAS responded via email that " Some loans from EEF were purchased by XXXX but not all ''. I contacted XXXX again shortly after to request contact details for the lender. I was told that contact details were not available for EEF and that I should instead direct all inquiries to UAS. Strangely, after some prodding, a representative at XXXX gave me a phone number for XXXX, which when I called it someone answered and confusedly said I had the wrong number. On XX/XX/XXXX, I called XXXX again to request a copy of the Master Promissory Note ( MPN ) for this loan, as well as any other kind of documentation proving its validity. Also, on XX/XX/XXXX, I mailed a signed, formal request for the MPN for this loan to XXXX ( attached ), which I can verify via tracking ( receipt attached ) was delivered to XXXX on XX/XX/XXXX. As of XX/XX/XXXX, XXXX has still not provided a copy of the MPN or any other documentation establishing debt verification to me for this loan. The loan is now entering delinquency, and I don't feel comfortable making any payments without any evidence that the debt is indeed valid. I have expressed this to XXXX and requested that repayment be halted until proper documentation is provided, but XXXX has continued to threaten me with late fees, collection agencies, and negative credit reportings if I do not pay soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint at the end of XX/XX/2023 with the CFPB on behalf of Experians recent investigation problem. I understand that as of today, on the CFPB website with my login info, that it states the investigation is still open and we are waiting for a response from the credit bureaus. My husband and I received an email to each of our emails addresses from Experian on Thursday, XX/XX/XXXX, stating the investigation was completed and that they finally updated the balance. After 5 years of constant disputes with Experian that led to hardships of approvals and no deep dive investigation with multiple requests, I am not looking for an update on the account balance. With a {$2100.00} difference in balance change, that has proven to have the violated the FCRA law for five continuous years, I am only looking to have the joint account XXXX XXXX XXXX XXXX XXXX to be permanently removed from both I, XXXX XXXX and XXXX XXXX credit reports and a compensation for the long term damage that it has caused.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries that have appeared on my credit report, which I believe to be unauthorized. The purpose of this letter is to request a thorough investigation and, if appropriate, the removal of these inquiries from my credit report. 


I have carefully reviewed my credit report from your bureau, dated [ XX/XX/XXXX ], and have identified the following hard inquiries that I do not recognize and did not authorize : XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks XXXX  Inquiry : XXXX XXXX, XXXX + Music & Records XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from GM FINANCIAL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called GM FINANCIAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and GM FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023, medical debt collections under {$500.00} can no longer be reported to the credit bureaus. I demand that the listed debt be removed from my credit report. Account # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit Bureaus have inaccurately reported an account by the name of XXXX XXXX XXXX. On my Transunion report it says this account is OPEN and the last payment date was made XX/XX/XXXX, and the original balance is {$29000.00}. On my XXXX report it says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$28000.00}. On my XXXX credit report is says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$29000.00}. 

They have inaccurately reported an account by the name of XXXX XXXX XXXX on my credit report. On my Transunion report it says the last payment was made XX/XX/XXXX. On my XXXX report it says the last payment was made XX/XX/XXXX. On my XXXX report it says the last payment was made XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is a list of credit inquiries I DID NOT authorize. I called all three major credit bureaus XXXX, Experian, and XXXX ) which stated that they would remove them but they remain unto this day. 
XXXX XXXX XXXX XX/XX/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