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

Assumed a VA loan in XXXX of XXXX. In XXXX of XXXX my credit score went down XXXX points and changed rating from exceptional to good. Mortgage company reported a modified payment agreement. Have not agreed to any modified payment agreement and account is in full good standing. Reached out to mortgage company on XXXX and they could not help me. Disputed with XXXX same day. On XXXX they came back and said investigation closed but my credit and the comment still remain. My credit history with flagstar, the mortgage company, is only since XXXX of XXXX. They are counting payment history of previous owners and that is negatively impacting me. This is not fair or correct. I have paid 100 % on time and full amount.
Product: Credit reporting or other personal consumer reports

I am filing complaint regarding Equifax Information Services LLC 's failure in handling my request to remove information from my Equifax credit file related to human trafficking. Despite submitting valid documentation in accordance with federal law, including a Victims Determination Letter from a recognized NGO ; Victims Self Attestation identifying the adverse items of information needing to be blocked along with a governmental issued drivers license, Equifax has failed to resolve the matter. Equifax 's actions violate 12 CFR 1022.142 ( e ) of the Fair Credit Reporting Act, which require consumer reporting agencies to block adverse information within XXXX business days from receipt of submission.
Product: Mortgage

XXXX, I applied to Bank of America to refinance my mortgage - Single Family Residence. I currently have a mortgage and HELOC at Bank of America. All was well - my credit score was good, my appraisal showed I had enough equity to refinance, I was able to show I had funds to bring to closing, etc ... My application was rate locked until XXXX XXXX, 2017. We were getting ready to go to closing but BOA requested proof of funds for closing and a copy of the master/blanket hazard insurance policy in the name of the XXXX XXXX XXXX ( XXXX ) association. My HOA President had never heard of this request nor had their insurance company. We were approaching closing soon - expected XXXX XXXX, but Friday, XXXX XXXX I had not heard anything and we were going into a XXXX day weekend. I called the loan specialist and left a message on the phone and email. That evening the loan specialist called me and asked if I had heard from my loan officer and I had said no. She then informed me that my loan was being denied because of my HOA 's co-insurance and she could not explain to me why. Late that evening, my loan officer called to apologize. He wanted to wait to call me because they had submitted for exception. His entire office and including his manager had never heard of this before. He could n't even explain the reason. Tuesday, XXXX XXXX he called back and said the exception was denied but that my case has been discussed by all sorts of upper management and there may be still a VERY slight chance we could get an exception. I asked again about the insurance and all he could say was that my HOA carries 100 % Co-Insurance and that the requirement is no higher than 90 %. He could n't tell me whose requirement or what this meant. He still did not understand the condition of the denial himself nor did his managers. I requested that I receive a DETAILED reason for the denial. I explained that I needed to know if this was a Bank of America, XXXX XXXX XXXX, FHA ... requirement. I need to know this so I can understand if my home is worthless because no one will be able to buy my home because they ca n't get a loan due to the HOA having 100 % Co-Insurance. I need to take this DETAILED letter to my HOA. I also requested a refund of my fees that I initially paid because if my HOA having less than 100 % insurance is a condition than that should have been presented at the beginning to me before I wasted almost two months of my life and my funds. This was the first holiday after losing my husband to a XXXX year XXXX. Needless to say, things were already a bit stressed for me and my family. My loan officer told me that he would call me the next day - that was the XXXX and now it is the XXXX and all I got was a Notice of Action Taken with the only words for the denial being - Insufficient insurance coverage. 

Please help me get a more detailed reason. This all went very badly and ended very strangely. It just does n't feel right. As I said above, the entire office had never heard of this and the loan officer has been in this business for twenty years.
Product: Credit card

Good afternoon, There was a recurrent purchase for a XXXX last year in XX/XX/2022 with a card ending in XXXX. In inadvertently purchased a new XXXX account in XX/XX/2022 with the same company with a card ending in XXXX ( Capital One ). The XXXX ( XXXX XXXX  ) company did not notify me and I was unaware that I had made XXXX purchases with the same company for the exact same service. This year after the XXXX payment was drafted, I received an email that a recurrent charge of another {$89.00} charge would be billed to my account with card ending in XXXX. I reached out to the XXXX company and let them know that my XXXX card had already been debited in XXXX and to cancel my account ending in XXXX immediately in XXXX of this year before the billing due date. I also requested a credit for the time that I was paying twice for the same service, which they declined. The XXXX company then charged my account once again in XXXX for {$89.00}. I have since cancelled my service with the XXXX XXXX and disputed the second charge with my credit card company ( Capital One ). I sent them all supporting email documents ( the email chain is somewhat repeating, but my request is on or around XX/XX/XXXX ) with the XXXX company regarding the cancellation request in XXXX of this year and explained as I have here what had transpired. They did not credit my account and closed the dispute claim. Please let me know what recourse I have to receive a credit and/or reopen the case. Thanks for your quick action regarding this matter.
Product: Checking or savings account

( XXXX XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Early Warning consumer reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal checking accounts opened XXXX XXXX Routing XXXX Account XXXX, XXXX XXXXXXXX XXXX Account XXXX Account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX Routing # XXXX Account XXXX am writing to request an investigation of the following fraudulent accounts and inquires I have NEVERED opened or usd the accounts listed below I'm requesting the following information to be deleted from Early Warning consumer report immediately I attached a copy of my report to this request The accounts consist of an bank account opened at XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX Account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX Routing # XXXX Account XXXX. Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished five accounts on my report.

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ).

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Product: Credit reporting or other personal consumer reports

Perpay has an account reporting on all three of my credit bureaus with a balance due of {$2000.00} this account is reporting as a closed/charge-off. I sent Perpay a check for the full amount on XX/XX/XXXX. ( Check # XXXX ) Tracking # XXXX delivery confirmation on XX/XX/XXXX. The check was never cashed, and I never received a letter or call of acknowledgment. Zero response from Perpay. I ended up stopping payment on the check 90 days later. I wanted to give them sufficient time to resolve this. 

My second attempt was on XX/XX/XXXX I mailed a certified letter signature conformation ( XXXX ) this time asking if I paid in full to remove this account, If so, I promised to pay in Full within 15 days. I have not heard anything. No call, email, or mail correspondence. 

I want to take care of the matter and get this off my credit report or at the very least a XXXX balance. This has caused a hardship and I feel I have definitely made an attempt and should not be penalized for their lack of attention. 

I ask that the account from Perpay be immediately removed from all three of my credit reports ( XXXX, XXXX, and XXXX ). At the very least remove this account until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint against XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, OH XXXX for incorrectly reporting an account that was included in my bankruptcy as a charged off account. The president of the company wrote back to the CFPB stating that my account had indeed been marked as included in bankruptcy even though he did not address the fact that his company would periodically change the remarks on the account and had not yet updated the reporting on Equifax and XXXX. I then submitted disputes to both agencies regarding this account because I had spoken to an XXXX XXXX employee about a month after the president sent the letter, and she told me that they were not going to reflect my account as part of the bankruptcy. I have had no contact with the company except to dispute mistakes on my credit report so this account should have fallen off my credit report XX/XX/XXXX ( seven year mark ). All other bankruptcy related accounts have already dropped off. But every time my XXXX XXXX changes the reporting on my account, the date of last activity changes, and the date of removal is pushed back another year. 
In one day, my credit score dropped almost 100 points for negative activity that occurred in XX/XX/XXXX. When they update my account, it makes it seem as if the negative activity occurred recently not in XX/XX/XXXX. This account is scheduled to remain until XX/XX/XXXX; I asked both agencies to remove it citing the bankruptcy, and they did not. All they did was update the account as included in bankruptcy.
Product: Credit card or prepaid card

Made a large overpayment on credit card ( paid {$36000.00} instead of {$3600.00} ) overage of {$31000.00} on XXXX XXXX. Discovered it the next day ( XXXX XXXX XXXX am ) and called customer service. Their representative told me that the money would be returned to me once it has cleared and considered not fraud and could take 7-10 days. On XX/XX/XXXX I called again to see if the issue was corrected and was given a case number. Since then, I have called them at least 5X or more to no avail. Each time being told something different as I would get a check in the mail or the money would be sent back to my bank. I even have written 8 emails to XXXX XXXX, XXXX XXXX XXXX Bank of America, have still not received my money back either by mail or by direct deposit. 
The bank has called me at least 3-4 times ( two women named XXXX and XXXX ) but never have gotten anything but promises that the " case '' is being worked on or they will call me back of which neither have happened. I also received two letters from Bank of America saying the money was returned to my account of which it has not.
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 XXXX, XXXX AND TRANSUNION 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, CA XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX Balance Owed XXXX {$3900.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting

XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XXXX & XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies XXXX separate times since XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XXXX & XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to the fact that I have been a victim of identity theft. I have made attempts to show " TRANSUNION '' that I was incarcerated when the fraud was initiated on XX/XX/2021. I have contacted " TRANSUNION '' about removing the fraudulent information, but they refused even when I submitted proof showing that I was incarcerated. Under 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Disputed Information : " XXXX XXXX '' ACCT # XXXX I found the following inaccurate and fraudulent information : Credit Reporting agency : " TRANSUNION '' Reasons for Dispute : Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), it is required that credit reporting agencies maintain maximum possible accuracy. The listed items do not meet this criterion. Obligations of Furnishers : As per 15 U.S.C. 1681s-2, the furnishers of this information are required to report accurate data. Their failure to do so necessitates the deletion of these entries. Reinvestigation Requirement : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting a reinvestigation of these entries and their subsequent deletion. These accounts aren't paid late accounts or derogatory accounts either! XXXX is reporting inaccurate information I want my accounts updated correctly on my credit report
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B
Product: Prepaid card

I have a payroll card that someone on line got the information and did several unauthorized transactions. They total {$200.00}. I filed the complaint with the bank which is XXXX XXXX. I stayed in constant contact with them and explained to them multiple times that I wasn't able to find contact information on some of the company 's and I sent them in what I did get back from the company 's I was able to contact. Even though I was in communication with them and I sent in all my documents by the dead lines they placed on me sending them the information about the merchants. Well apparently that wasn't good enough and they denied my claim stating I did not send them in the form they sent me in the time frame they gave me, but I did send in the form but I wasn't able to get all the information and I clearly asked them for help and did not get any help on getting in contact with these places 2 places emailed me that I was able to reach out to and both said they couldn't find an account for me or the transaction and I sent XXXX XXXX those emails another company only had a number to call and they left a voice mail stating the same thing they couldn't find an account or the transaction. I didn't know how to attach a voice mail to email so that I was not able to send. But these were on my account and they are unauthorized transactions and I should be refunded for these. They were not pin code transactions they were internet ones and I contacted them as soon as I noticed them. Which was less then 30 days of them happening. The company denied my claim and now just hangs up on me when I call and I have not been able to reach a higher manager or anyone in regards to this matter. I did everything to my best ability and got them the information bas fast as possible and should be refunded for these fraudulent charges. I will also be filing with the ftc about this.
Product: Payday loan, title loan, personal loan, or advance loan

I called Wells Fargo on XX/XX/year>, on or around XXXX p.m. XXXX. I dialed ( XXXX ) XXXX. I was on hold for over 1 hour and 41 minutes. I would have been on hold longer, however, I had an important inbound call and to change lines at the 1 hour and 41 minute mark. It is unacceptable for any consumer to be on hold that long. Due to Wells Fargos unnecessary long hold times, I was unable to ask questions regarding my personal loan balance, due dates, payment amounts, etc. Notwithstanding online access, all consumers should have the right to call Wells Fargo with additional questions without having to be on hold for almost two hours. Wells Fargo is making it difficult to speak to an agent regarding my loan status. I am very disappointed at Wells Fargos poor business practices. I took a screenshot of the hold time and have the phone call recorded for evidence.
Product: Credit card or prepaid card

What I got the card. I was making payments on time and realize they were not processing right away and they would process them only after they charged me a late fee I tried to close card. Original amount was only {$800.00} now it's over {$1400.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in questopn XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many inquiries from unknown companies showing up on my credit report. I need these removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$120000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00}