23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called the servicing company Monday to make 3 payments on my mortgage and she would not take them. She said my best option was to sell. I dont want to sell. When I did the hardship papers, they just sent me the appraisal to the house. Ive tried to pay several times and everyone gives me a different amount. The 1st time XXXX said if I pay {$4100.00}. On the XXXX of XXXX Id be fine. I tried and they said no. I can up with the 3 months and they said no. Now they want {$4000.00}. In fees. The company is Faye Servicing.
Product: Credit reporting or other personal consumer reports

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Product: Checking or savings account

Due to growing concerns about recent changes to Wells Fargo 's 'Dispute a Transaction ' process, [ including a Dispute decision that resulted in my losing a disputed hotel debit payment ], I shared concerns regarding same in a XX/XX/scrub>XXXX  letter to the bank 's SVP w/ oversight responsibility for the Wells Fargo Claims Assistance Center . 

Although it's now been well over 30 days, there has been no reply from the bank to date. A copy of my XX/XX/year> letter will be uploaded for review and oversight.
Product: Money transfer, virtual currency, or money service

I was scammed on a rental property and sent a partial payment through Zelle in the amount of {$1000.00} on XX/XX/2024. My wife sent the other half of the payment in the amount of {$1500.00} using Zelle. 

The total amount of {$2500.00} was for security and pet deposit. 

I have an active police report and have reported these fraudulent payments through Zelle and my bank. 

We have received no correspondence from Zelle about these fraudulent payments.
Product: Credit card or prepaid card

Hello, I closed my Barclays Arrival XXXX XXXX XXXX XXXX on or about XX/XX/2021. There was a balancing remaining on the account that needed to be addressed. I called Barclays and we reached an arrangment that saw credits of {$150.00} and a payment by me of {$5.00} to zero out the card. When I made the {$5.00} payment, Barclays inexplicably assessed a late fee of {$2.00}. Barclays continued to assess fees, interest, late payment penalties, and minimum charges to the account after our arrangment unbeknownst to me, and Barclays started reporting my account as delinquent. I have been denied financing at the best rates and my credit score has been ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) This student loan was consolidated and paid and therefore there is no outstanding balance due to report as late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/scrub>XXXX to the credit bureaus requesting that the XXXX XXXX XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not my name, I never lived at some address listed
Product: Credit reporting or other personal consumer reports

This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year>, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.
Product: Vehicle loan or lease

XX/XX/2023 i applied for a consumer credit transaction, an offer was made of XXXX i accepted the offer. they then told me that i have to put a XXXX down payment its required, the vehicle total cost is XXXX.but if we are going off a consumer credit application that means the fees and payments are taken care of due to the fact i was applying as a consumer and using the vehicle for personal and family use.15usc 1602 ( i ) in addition to the acceptance i was allowed to test drive the vehicle. as we are now back at the desk the sales woman was in attempt to complete my contract. i stated that i was not a customer but applying as a consumer to extend my credit to the business. they then begin to ask for information like check stubs, i provided them and everything was done electronically. i asked do they participate in TRUTH IN LENDING ACT and they replied yes well when i stated code 15 USC 1602 ( f ) - ( The term CREDIT ) - means the right granted by the creditor to a debtor to defer payment of debt or to incur debt and defer its payments. and aslo stating 15 USC 1611 Criminal liablility for willful and knowing violation because of discussing a contract between two entities not including the actual entitiy applying for the consumer credit.Carmax deliberately left me out of the finance agreement while having a verbal conversation over the phone then coming back to me acting as the middleman. i feel Carmax employees are incompetent in knowing federal laws and acts. A Consumer Credit Transaction - ( CONSUMER-a person who purchases goods and services for personal use. CREDIT-means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payments.TRANSACTION-to exchange. im simply stating, my rights as a consumer has been violated along with being disrespected by the dealership and finance company. while reiterating the laws to them and exercising my right in hopes that the people im extending my credit to would be competent but they are not! i made aware of my EXACT INTENT for the use of the services/goods. for personal use which falls under the the 15 usc 1602 ( i ). i also understand by law iam the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 someone used my information to secure a line of credit or loan with XXXX XXXX 
It is on my credit report and damaging my " Excellent '' credit rating. 
It was for {$1200.00} and has never been paid. I have never had a line of credit or loan with XXXX. This debt is fraudulent and not mine. 
There were aka names on my credit report that are not mine. 
There are address on my credit report that are not mine. 
There are phone numbers on my credit report that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified all 3 credit bureaus that they are reporting incorrect personal information about me and it is very confusing to creditors. The following information is to be reported and nothing else. I need all 3 credit bureaus to remove all other names and addresses immediately. The following information is the correct information to be listed.
1. XXXX XXXX XXXX. There are to be no other names nor spellings. No alias should be listed.
2. XXXX XXXX XXXX.
XXXX XXXX, CO XXXX No other addresses should be listed as i reside at this address and have for a number of years.
3. Year of birth. XX/XX/XXXX4. Phone number is private. Remove all numbers listed.
5. Employer should be listed as XXXX XXXX as an XXXX XXXX.
All this information should be listed on all 3 credit bureau reports just as i have supplied. This shows creditors solid, cohesiveness on my credit reports.
I have asked for this to be reported correctly and the bureaus ignore my requests.
Product: Credit card

I regrettably took a debt consolidation loan from XXXX. I had great credit and never missed a payment. Since XXXX is involved it has been nothing short of a nightmare. There are two creditors I am now having serious problems with. One is Best Buy. Never late or missed a payment. XXXX gave me some cashiers checks to pay creditors. I took one to Best Buy store at XXXX and XXXX XXXX, XXXX, Nebraska and handed it directly to customer service. I received a receipt paid in full. Best Buy is steadily harassing me wanting more money. I went to XXXX and they called CitiBank and tried to straighten it out. After standing there for about an hour right before XXXX and XXXX giving me a copy of cashiers check that cleared XXXX, I left hoping all is well. Turns out all is not well. I am still getting harassing calls demanding payment. I received them all through XXXX and XXXX XXXX. Got one yesterday on the way to work. Apparently after check cleared XXXX Best Buy reversed payment. How or better yet why did this happen? XXXX is tired of dealing with it and won't respond to me anymore. What am I to do? I did nothing wrong. But it is my credit that takes a hit. Also XXXX was supposed to XXXX XXXX XXXX directly. I gave them address. This did not happen either. I think XXXX is being XXXX XXXX XXXX XXXX  XXXX XXXX still hasn't been paid. I also sent a payment of {$540.00} to USBank from wells XXXX on XXXX and on XXXX still no posting to account. Guess I will take a hit on that to. Everything was great until XXXX is involved. Where can I turn for help.
Product: Consumer Loan

I applied for an extension on   XXXX   XXXX  . The company emailed me back and stated they received paperwork. They kept calling me every day up to 5 times a day until I picked up on   XXXX   XXXX  . They stated they needed my payment in order to avoid repossession. I told them I had sent in paperwork for an extension, the agent stated they never received anything and asked me to send again. So, I did. Payment rolls around and I am unable to make a payment over the phone or the website. At this point, they have refused to accept my forms of payment unless I make it through   XXXX   XXXX   which does not exist in  XXXX , CA and they will not take payment over the web. They called for 18 days when they were not supposed to and now I am the irresponsible client because I refuse to go out of my way to make a payment. I also have all these late fees that I have been paying and when I ask them where my money is going they do not have a straight answer. My payment is  XXXX  and I pay  XXXX  which covers my late fee, but for some reason, I have unpaid late fees. This does n't make any sense to me. I asked them to have a VP or are a manager c all back and I keep getting calls from the agents who say I can speak to their supervisor. They have refused to get me in contact with someone higher up in the company and I even got into an argument with an agent today  XX/XX/2017    at   XXXX   XXXX  .
Product: Credit reporting or other personal consumer reports

XXXX was removed from TransUnion credit report XX/XX/2024 for not sending credit card and unprofessional installation ( destroying homeowner 's walls ) XXXX retail now XX/XX/2024 has resurfaced back on TransUnion credit reporting agency stating I owe now {$26.00} XX/XX/2024 lowering my credit score!!! 
When I notified consumer federal protection services, I don't want their services, cancel and come get their products!!!! 
XXXX retail is threatening me and playing a game with me!!! 
I want to SUE XXXX for damages to my house!!!
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 a 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 reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to block any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX Balance - ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX {$600.00} ; XXXX XXXX XXXX XXXX {$750.00} ; XXXX XXXX  XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX {$2300.00} ; XXXX, XXXX XXXX XXXX {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ; XXXX Inquiry : 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

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX-XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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

REMOVE THE FRAUDELENT INFORMATION FROM MY CONSUMER REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Amex to encourage me signing up for the platinum card and will receive the welcome bonus of 100,000 point if I signed up and spend {$5000.00} in 6 months. But when I got approved, customer service said I was declined to get the offer. 

Amex didnt tell me any reason about it upfront until I reach out to customer service to verify if the bonus was gone through. That means If I didnt contact them at all, I would spend thousands of dollars and would not receive any bonus at the end. Duing my application process, Amex also did not provide any info about their declination for my bonus. 

I found their information misleading. And I am very disappointed that they processed my application far different from what they claimed.
Product: Credit reporting or other personal consumer reports

I recieved notification that someone had fraudulantly tried to apply for credit in my name with netcreditXXXX I called them and advised that it was fraudulant and requested that they both deactive my account and remove the inquiry. They did deactivate my account, but refused to remove the inquiry without first getting a police report. This is despite the fact that there are so many obvious reasons this was a fraudulent attempt ( The application used old legal name I no longer use since legally changing my name, used an address I have not lived in for almost a decade, and there is an existing fraud alert with the credit reporting companies. ). 

As a consumer I don't have time to take off work to go file a police report that tells them what I have already shown them. This is anti-consumer to to refuse to investigate a fraud claim without putting a burden on the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2022 I disputed and requested debt validation on account number XXXX XXXX XXXX XXXX which claims I owe {$2500.00}. To date I've yet to receive viable evidence bearing my signature, only a response from XXXX XXXX XXXX stating that would instruct to the bureaus to delete any updates they have placed on my credit profile. Which has not been done, I've suffered tremendously due to this inaccuracy on my credit. My right to extend credit has been damaged to a great extent. As a result, I've been discriminated against and refused the following. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX  According to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I'm also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.