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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit card or prepaid card

Wells Fargo is negatively impacting my credit card credit limit because of forbearance on my mortgage. We need CFPB to help protect consumers like me against this. 

Today XXXX/XXXX/20 I was unable to charge my payments at my grocery store on my Wells Fargo Credit Card. I called Wells Fargo and was surprised my credit line was decreased from {$13000.00} to {$4100.00} on XX/XX/XXXX. I had been making on time minimum monthly payments to my 0 % credit card. I had also checked my credit score a few days ago and my credit score improved since when I had received my credit card from Wells Fargo. I had explained this to customer service as well as their credit line risk department, and wanted to understand why my credit line decreased. I was told Wells Fargo uses an internal risk management process which does not rely on credit score. This risk management process was arbitrary, and I asked to speak a risk management manager. When I got the call back later on XXXX/XXXX/20, I was told risk management takes into account that I submitted my forbearance on my mortgage at Wells Fargo in XXXX. And even if the decrease in my credit was wrong Wells Fargo can not restore my credit line because of the forbearance on my mortgage. My understanding is that this goes against the spirit and the letter of what congress intended for the forbearance as well as using credit score to shield consumers from negative impact on their credit standing. Wells Fargo needs to reverse this policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of fraud and have effortlessly disputed the fraudulent credit card lines, phone numbers, and addresses on XXXX  and XXXX. I accessed them through XXXX and everything was a breeze. 
with two down, I've try to access my free Equifax credit report through XXXX but after submitting everything properly, am told that I can't can't access it online and need to have it mailed to me. No explanation. So I talked with a customer service rep, she confirmed that I can't get it for free but couldn't explain why. Oh well, guess I'll buy it, as I need to dispute these fraudulent problems to Equifax, as they showed up on my other two reports. 
I go to sign up online for the premier equifax complete package for at least a month, and am hit with a final verification process. They use current information on my credit report in the form of multiple choice questions. The problem is that Equifax 's website generated questions using what I have to assume is the fraudulent charges and information as verification questions, as the system doesn't know what's legit and what's not. 
I've now failed my verification questions for this reason and am locked out of being able to access my report online. My account seems to have been created using my personal information, but access to it was locked. Great. 
I call in to equifax customer service to get help, and after much time and a customer rep that spoke with a heavy accent, I ultimately failed the verification questions again. I don't know if I was misunderstanding the rep or if the questions were generated using fraudulent data on my report, again. Now I need to either call again in the morning ( as the department apparently closed after my call ), or submit documentation via mail. 
Are. you. kidding. me. 
I'm all for verification, clearly. My identity has been stolen by a family member ( my father and his new wife ) using my personal info, and I wish more security measures were in place to have prevented that. However, there need to be safety nets in place in the event that these situations happen! This can not be an isolated situation and it needs to be remedied.
Product: Credit card or prepaid card

Right after XXXX XXXX I called to cancel a Visa card I had with CapitalOne. CapitalOne never did that as I instructed after I paid the bill and it has caused confusion with recurring charges I thought were no longer on that card.
Product: Mortgage

I am unable to reach anyone at the mortgage company for a month all I wanted to do was add my homeowners insurance to my Escrow account. Even my insurance company has stayed on hold over two hours and been unsuccessful in reaching anyone.
Product: Credit card or prepaid card

I paid my credit card account in full On XX/XX/XXXX or XXXX way before the due date and Capital One still charged my a interest fee with a XXXX  balance account and I dont see where the reported my account to XXXX  and the representative could not give me a clear understanding on why.
Product: Debt collection

I am writing to formally dispute an inaccurate entry on my credit report regarding an account with XXXX XXXX. This account is improperly reported despite having GAP insurance coverage at the time of the loan termination. Additionally, this account was sold to another party, who is currently contacting me about additional money needed for a car that was totaled and resulted in a fire. This raises questions about the legitimacy of the debt and its continued reporting under applicable laws. 

Under 15 USC 1681 ( Fair Credit Reporting Act ), I have the right to dispute inaccurate or incomplete information and demand an investigation. The continued reporting of this account, especially in light of the existence of GAP insurance and the sale of the debt, constitutes a violation of my rights under the FCRA. I request a thorough investigation to verify the accuracy of this entry and its compliance with legal standards. 

Furthermore, per 15 USC 1692g ( Fair Debt Collection Practices Act ), I am requesting validation of this debt, including the original contract, debt to contract request, proof of the amount claimed, and evidence of the debts transfer of ownership. As of now, I believe the reporting of this account violates my rights under the FDCPA. 

Additionally, I want to emphasize that continued attempts to collect on or report this account without proper validation may constitute violations of : 15 USC 1692e, prohibiting false, deceptive, or misleading representations in connection with debt collection. 

15 USC 1681s-2, which holds furnishers accountable for reporting only accurate information to credit reporting agencies. 

I am requesting the following actions to be taken immediately : 1. Cease reporting this account on my credit report until the investigation is complete and validation has been provided.

2. Provide me with documentation substantiating the validity and legality of the debt and confirming compliance with GAP insurance coverage.

3. Remove this account from my credit report if it is found to be inaccurate or unverifiable.

4. Remove any late payments this account accused during the insurance cash out process. 

Please note that under the FCRA, you are required to respond to this dispute within 30 days. I expect written confirmation of your findings and any actions taken. If no response is received, or if the information is not properly corrected, I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and/or pursue legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Mortgage

This all started on XXXX XXXX, 2016 when my husband attempted to pay biweekly, without asking if they accepted payments that way. This led to payments being placed in unapplied funds and the mortgage company calling about unpaid mortgage payment ; when they actually had a full payment plus 1/2 payment held in unapplied funds. We have since then made all the payments and they are still saying we have not paid, when actually we have overpaid by over {$1300.00}. Our credit has been destroyed and we have called several times to attempt to get this issue fixed, they keep saying they will call us back and that they will have someone review the payment history. I spoke with someone on XXXX XXXX, 2016 and we discovered the error on the call while reconciling the payments we made to their payment history. The agent I was speaking with stated that both our XX/XX/XXXX payment and XX/XX/XXXX payment were applied to XX/XX/XXXX. How could that be and how could they not see that as the error? they have reported to the credit bureaus that we have not paid our mortgage 3 times. I have had a pretty stellar credit history for quite some years and now my credit is destroyed and this company continues to report to the bureaus that we are not paying and they are also not finding a solution to the issue. Now my husband has made matters worse by not paying the XX/XX/XXXX mortgage payment, I understand my husband 's frustration in dealing with this company, as they have been grossly incompetent and have ruined me and any chance I have of moving on financially into any new endeavors. This company Homebridge Financial has been horrible since acquiring our mortgage from XXXX, which acquired it from XXXX XXXX. I feel like this is definitely a violation of my consumer rights and they have been unfair in how they are dealing with this issue and very deceptive in telling us they will get back to us, and someone will review the issue and so on. They have done nothing to fix this issue and this is snowballing into wrecking my life! if they continue to do this we will be ruined totally! we have attempted on so many occasions to speak with them and figure this all out and they keep giving us the run around and continue to report erroneously to the bureaus.
Product: Money transfer, virtual currency, or money service

I cant get anywhere Im being cyber terrorized and I cant get anywhere. I need help getting this identity theft under control. My entire life has been defrauded. Mail, phone, credit and other financial services are all gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I requested each credit bureau investigate the accuracy of the account XXXX Money which was reporting negative on my credit report. XXXX replied that this information was verified as accurate however upon reaching out to XXXX Money they stated they never received a dispute and had they received the dispute they would of sent back verification that the account was never late and paid as agreed. There has not been an update on my XXXX money account since XX/XX/XXXX  so that means the credit bureau did not thoroughly investigate this account.
Product: Debt collection

Was contacted by someone from a XXXX XXXX trying to collect on a loan. When I asked for more information, they threatened to call my work. Later, I ended up seeing a {$200.00} amount on my credit report from a payday lender. This lender was not authorized to make loans in my state and I did not make the loan. I am unable to get validation for the loan or debt. This is n't even someone who does business legally in my state. 

Collection is showing as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Calls to the company get directed to a person/line that is never answered once the receptionist answers. One letter sent 45 days ago was unresponded to.
Product: Mortgage

XXXX. I have yet to receive a form XXXX from Wells Fargo, and they are clearly in violation. I have requested that all documentation, monthly statements and communications be mailed to me via my mail address on file. Yet every year without fail Wells Fargo does not send the XXXX via XXXX. 
XXXX. In XXXX XXXX 2017 I received a notice from Wells Fargo Stating that payment was late for the month of XXXX and that a late charge was being levied. I was further instructed that payment was due on the XXXX of each month and only as a courtesy they were tolerating a 15 day late period. 
o My VA loan closing statement clearly states that I have up to the XXXX of every month to make payment without penalty. That is a part of my contract with the Veterans Administration and not a " courtesy ''. It is contract. 
o I received a XXXX 2017 notice from Wells Fargo Stating that a shortage was detected in the Escrow Account, for the amount of XXXX and that if I paid the amount by XXXX 's payment my new payment would be XXXX I sent Wells Fargo, Checks for XXXX ( ck XXXX ), XXXX ( ck XXXX XXXX and XXXX ( ck XXXX ) which total in excess of the XXXX Escrow account Mortgage account combination by XXXX Less the XXXX " shortage amount '' leaving a refund due of XXXX ( please send refund for the amount of XXXX ) o I have written repeatedly about the " unapplied '' funds account that appears to be used as a paper front. I write checks that say either principal & Interest only or escrow only and Wells does not deposit them in either but liquidates them in an " unapplied '' funds account, which has no balance sheet. Then Wells deducts the amount they choose, leave and unchecked balance in the " unapplied '' funds account. The balance in the account is never applied to either account Mortgage PI nor Escrow, yet there is a paper front that it exits. It would not surprise me to find out that this money is being used to support other accounts not related to mine. If Wells were to place my money where it is designated then there would not be a false late fee alert or charge, or any " unapplied '' account.
Product: Credit card

Fortiva Credit Card closed the retail card account I opened through XXXX XXXX XXXX without advising me. They documented on my credit file that the account was closed per the consumer 's request. I made no such request and had no knowledge of the account being closed. I have never been delinquent on any payments and never had any issues with this account. I contacted Fortiva on XX/XX/year> to inquire about this account as the closure of this account has adversely impacted my credit score. The representative for Fortiva advised that they had severed their business relationship with XXXX XXXX and as a result they have closed out the line of credit. I advised the representative that their actions have had a negative impact on my credit file and as a measure of good faith, I requested that the Fortiva Credit account be removed as a credit line on my credit file in order to restore my credit rating. The representative told me that Fortiva would not do so and offered no other course of action to rectify the negative impact they have caused by closing the credit account without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2022, I sent a Transunion letter about a collection account showing on my XXXX XXXX XXXX XXXX report. I asked TransUnion to do a complete investigation in accordance with 15 USC 1681. Transunion responds with information verified. I like to know how was the information verified they do not give any details on how the information was investigated. this is a direct violation under the Fair credit act and holds a fine of a XXXX dollars per violation.
Product: Checking or savings account

Hi called XXXX ( US Bank representative ) on XX/XX/year> and asked to close my Safe Debit Checking account. XXXX danced around being able to do so, asking " how much time I had '' and stating he would have to do a lot of work on the " back end '' to make it happen. I told him I would wait. He stated he would close it but would not provide me any confirmation number or assurances it had been closed.
Product: Money transfer, virtual currency, or money service

On XXXX I received a written check from my dentist for an overpayment for services, for {$22.00}. The check was issued from XXXX Bank. On XXXX I looked up XXXX 's schedule of fees, which stated there is a {$10.00} charge for checks over {$50.00} being cashed by a non-BMO customer. I proceeded to go to the BMO Harris Bank at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and was told there would be a {$10.00} fee to cash the check. The check was below {$50.00} as described in their publicly posted schedule of fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank Delaware was paid off.They said they would remove it from my credit reports after I paid it off but them and the credit agencies haven't done anything to delete it from my credit reports. 

XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

When I had submitted a dispute with Experian back on XX/XX/XXXX to remove the negative information with XXXX XXXX XXXX XXXX XXXX XXXX, the status went from Paid and Closed to Open. 
I just sent Experian another dispute letter yesterday to update the status as " Paid Current '', and " Closed '' since XX/XX/XXXX. I also enclosed the refund check for the overpayment XXXX XXXX XXXX XXXX had issued back on XX/XX/XXXX, and a former Experian Credit Report from XX/XX/XXXX showing the account was " Paid and Closed. ''
Product: Debt collection

The account is invalid. NCB MANAGEMENT SERVICE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

NCB MANAGEMENT SERVICE ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

BJ 's Master Card serviced by Comenity Bank ( Bread Financial ) since XX/XX/2022 can not access my account either on line or through a representaive at the bank. The Bank can not provide me with any details or send me a statement of the charges on my account. I am not able to make payments on the account either on line or by phone. Their response is they can see that my account is active but can not see any details. I have been calling them since XX/XX/2022 and can not get this resolved as they continue to tell me their nothing they can do to help me. Since I can not access my account I can not provdie any futher details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
The company Equifax has miss handled information of myself and other who have never used their services and the service they have set up can not tell me, simply, that I am indeed affected by this breach in security. This is appalling and unacceptable.
Product: Mortgage

Will not rehash on earlier complaint they didnt fully address, only wish Arvest Central Mortgage to admit that once they were notified that our home was condemned that we had no other option, per our contract, but to pay off the loan with the insurance funds.For Arvest to continually refer to a conversation before this date is irrelevant as they didnt have the funds, or all the information to say what we could or could not do with those funds, before we notified them of these findings
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 605B request letter to block identity theft information on my report. Per law this was to be done within 4 days. I have also included a police report, FTC identity theft affidavit, proof of my identity. These documents have been received as of XX/XX/2021 but no information has been blocked. I have included a copy of my request for block, affidavit, police report and proof of identity along with this complaint. The documents submitted were not a request to dispute/investigate but a request to block the information under section 605 ( b ). 

Thank you XXXX XXXX
Product: Mortgage

I am a home owner in the state of Massachusetts. I have fallen under a financial hardship ; I been trying to work with my bank and provided them with everything they have asked for but One West Bank is refusing to assist me and this situation is putting my family and I under an amazing stress same as they did in the past. In XXXX I applied and was found eligible for a HAMP modification trial plan. I was instructed to make XXXX trial payment on time to then be place on a permanent modification ; I made over XXXX payments towrd such offered mod but I was never permanently modified, as continued making the payment then the bank stopped taking my payments and denied my modification for an invalid reason of missing income documents after I had been informed the bank had received all documentation requested and the bank violated the agreement as after XXXX trial payments I was to be permanently modified. On or about XXXX XXXX I re-applied for a HAMP, the bank acknowledged receiving all documentation requested but are denying me for HAMP stating that I failed in XXXX that is inaccurate as mentioned above I made over XXXX trial payment but was never modified. I am requesting your office to look into One West Bank behavior and review in my case
Product: Debt collection

received calls before  XXXX  and it 's someone from  XXXX  stating I own money and I ask to remove my number and keeps calling
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX a fraudulent chargeoff was added to my experian credit report by XXXX XXXX. I disputed the original chargeoff which was reported on XX/XX/2018 as a chargeoff. I received a brand new chargeoff reported on my experian report after 4 years of the original chargeoff. As a result of this brand new chargeoff being added to my credit report even though the account is closed my credit score went down almost XXXX points. FCRA gives me the right to validate and dispute any inaccuracies on my report without retaliation. This is a fraudulent chargeoff. I called experian they said no chargeoff was added which is a lie. It shows a new chargeoff on on XX/XX/XXXX and all my fico scores went down XXXX to XXXX points. This is retaliation. FCRA says this is illegal ( section 623 ) protects me from this tactic. This chargeoff needs to be removed immediately it's fraudulent and retaliation.