23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Numerous relatives received voicemail messages from XXXX asking for a XXXX XXXX ( my maiden name is XXXX ). On the voicemail message the person indicated a lawsuit was filed against me for a Capital One account and that they were taking government action. I called the # and let the man know that I have an attorney representing me for bankruptcy. He told me that it didn't matter and that I was going to have to pay. He then cursed at me when I repeated that I have an attorney and offered the information. The man put me on hold for almost 10 minutes. I hung up the phone and he called me back. He identified himself only as being with XXXX XXXX XXXX and gave a file number of XXXX. He proceeded to curse at me some more and told me good luck in court. He then hung up.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed fraudulent account on my report This account is not mine and need to be remove from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

XXXX I'm unaware of this debt and did not have the opportunity to dispute this account if you believe you sent proper notification please provide certified mail with receipt displaying my signature. IF not please delete account # XXXX asap off my credit report or i will take legal actions
Product: Credit card or prepaid card

I have had an account with XXXX for almost 5 years. I've never had an issue until XXXX. In XXXX I had XXXX fraudulent charges via my chime credit card. I filed a dispute. Then I was lied to in writing by saying that a provisional credit was issued to me. Upon calling to verify why I couldn't see the credit I was informed I wasn't receiving one and that it would take 90 days for a resolution. I filed a complaint with the XXXX. Again I was lied to because Chime told the XXXX  that I was given a provisional credit. I called Chime again and they said no I wasn't receiving one. Then a few days later I was informed they denied my claim. I called a third time and they said I wasn't able to appeal the decision. Yet when I light into my account even as of today it says 1 of my XXXX dispute was denied and the other XXXX were approved. Again this is a lie. I still dont have my money back. I'm a single mom and haven't been able to pay my rent for the month of XXXX now because of this. I need my money back!! The fraud charges are as follows : XXXX XX/XX/XXXX {$66.00} & {$70.00} XXXX XX/XX/XXXX {$86.00} & {$70.00} & {$70.00} & {$24.00} & {$81.00} XXXX XX/XX/XXXX {$66.00} & {$66.00} & {$77.00}
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello Experian, I am a XXXX XXXX and a mother of two. My identity has been stolen and this is extremely unfair to me. I have provided a detailed letter and a report showing proof of identity theft. Please remove these inquires and accounts from my report.
Product: Credit reporting or other personal consumer reports

Below accounts are closed, discharged/charged-off. These are considered " Certificate of Indebtness '' per IRS Publication 4681 ( 2022 ) and these fall under the description of income. Income is not reportable & no 1099-C was filed or provided. These accounts are Illegally reported, in Violation of IRS Publication 4681 ( 2022 ), 15 USC 1681 & Privacy Act of 1974. They must be removed immediately. 

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

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
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 : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DEPTEDXXXX 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 : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On today XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021 I have reached out to Transunion to fix an huge error that has occurred on my credit profile. 

I have stated/talked to over 10+ reps for hours about the issue at hand, yet to speak with a representative that fully understood the process, pain and suffering this sudden mistake has caused. An English speaking supervisor understood my frustrations and he prompted me to take added steps to ensure that it can be solved with letters from lenders/creditors. 


The problem is the lenders/creditors has submitted necessary documents, increases, balances and usage to Transunion internal office but Transunion representatives have repeatedly said this can not be reversed, changed, updated e.g. 

I asked were the calls being recorded/reported, I asked for a direct email to contact an actual human not an artificial intelligence system that has yet to fix the issue at hand. A generator can not fix an human error. I have asked countless of times for someone to fix or direct me to someone can assist with this unfortunate situation. 
I believe this system is XXXX  motivated due to the failed efforts & correction of this matter. 

I receive several letters from Transunion about the investigation that has yet to be solved. The letters does not confirm a solved problem. When I reached out to Consumer Finance the XXXX XXXX dispute was already cancelled, XXXX XXXX XXXX already notified them via email to reverse and immediately fix the problem. Transunion failed to do so. I received another letter stating the same thing just with a copy of my credit profile ( no credit score ) still hasnt been corrected or increased. I want to proceed with an attorney so that this system be removed or overviewed by an human/s so that accurate reporting is updated. 





The redundancy of options given are not applicable to my situation at because I have taken the necessary steps to ensure my credit score is increasing. I have reported several inaccuracies and Transunion has yet to make the necessary corrections to ensure they are fixed. The representatives mentioned my credit score is showing accuracies when I know for certain it isnt true. As mentioned, there is no reason for my credit score to continue decreasing at all. I want whats rightfully mine to reflect positivity so that I can move forward.

All my accounts are open, active, great payment history, no delinquencies, low usage.

Prior to this incident my credit score was a stagnant XXXX, the lenders/creditors system was reporting ( a artificial intelligence system ) instead of a human was reporting my credit balances, increases and usage. I want it fixed and if TransUnion doesnt fully look into this with an actual personnel I want to speak to an attorney at CFPB to ensure all of this is situated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is still a Barclays Bank Delaware card on my report. I repeatedly told Barclays that fraudulent information was on my report. Barclays did nothing to help. I will never do business with Barclays again. THIS DEBT IS OLDER THAN SEVEN YEARS AND IT MUST BY LAW BE REMOVED FROM MY CREDIT REPORT.
Product: Checking or savings account

Wells Fargo have charged me overdraft fees 25 times since XXXX. I am now over drawn because of the overdraft fees and I believe this is unfair and unjust especially in these trying times. I'm already struggling to make payments and now I have over XXXX $ in overdraft fees. In addition The Wells Fargo customer service phone line is down and the branch are closed so I have no way of contacting the bank to discuss this matter. I'd also like to add that a lot of banks are offering free overdraft, something that Wells Fargo should consider.
Product: Checking or savings account

I attempted to satisfy and close my checking account with Vystar Credit Union by initiating an ACH transfer of funds in the amount of {$55.00} directly from my checking account with XXXX XXXX. Unbeknownst to me until today, XX/XX/2024, the transfer was rejected. The account was then closed by Vystar and an amount due of {$88.00} was reported to XXXX, which negatively affected my consumer ( XXXX ) report score by XXXX points. This has caused significant problems with my ability to conduct both personal and commercial funding business.
Product: Checking or savings account

I have 3 checking accounts with US Bank, of XXXX. 2 are for my college enrolled daughters. 
They are charging me {$6.00} a month if I don't have {$1500.00} in direct deposits each month. 
I was not aware of this until I caught it in my statement. 
When I complained, they said they would wave the fee, if I got a credit card with them. 
So only if I get another product from them, will they correct the first product. 
I have been a customer since 2017. 
How many times have they charged me this fee without me knowing? 
And then charged me {$36.00} overdraft fees when my account is negative, because they took {$6.00} out without me knowing.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX, CITICARDS CBNA, XXXX CARD, XXXX XXXX, XXXX XXXX XXXX, and XXXX put negative information about me to the credit bureaus. These companies are attempting to collect a debt on the basis of XXXX. These companies breach of fiduciary duties, failure of consideration, misrepresentation of material fact, unjust enrichment, no loan or consideration was given. I understand that you shouldn't put any information on my credit file unless I authorized. Provide me with strict proof section 609 ( a ) ( 1 ) ( A ) I authorized this account such as signed applications and contract in wet signature showing, invoice accordance with Bills of XXXX XXXX XXXX and the actual accounting shows a loss. Provide proof claim with evidence you have legal and lawful authority with to collect. Failure to substantiate the claim, please settle account immediately. I'm challenging this account with these credit card companies. I will further pursue all of my legal remedy without further notice to credit card companies. Please Close and Delete these accounts immediately. Cease and desist ALL collection Activities. Account fraudulently opened in my name with XXXX XXXX XXXX is debt collector Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. A debt collector does not have the right to communicate without a prior written consent period. VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY.
Product: Vehicle loan or lease

On XX/XX/27 I received the payoff amount from a VW dealership and confirmed with both the dealership and VW credit that this is the payoff amount when I traded in my vehicle at any dealer. When I tried to trade in my car, VW then sent a payoff amount for fair market value which was $ XXXX over the payoff amount originally sent to me in writing. I could then only sell the vehicle to their dealer for even less than I was being offering in trade value. Then when I sold it the dealer took an additional {$500.00} off which they did not inform me about until I was signing paperwork. To me this is deceptive and when I spoke to them they stated it could take up to two months for them to send me the equity check. Now they will have the car in their possession for however long it takes for them to send me the check so they will essentially have use of a car that I am not being paid for.
Product: Mortgage

Freedom Mortgage helped me with a Loan modification due to Covid-19. Once my Forbearance was over I received a Promissory Note that I had to sign and get notarized detailing principle amount, Unpaid principal amount, new principal amount. It also stated the new balance with interest rate the same at 2.750 % beginning XX/XX/XXXX. This promissory note is on file in my statement section with Freedom Mortgage dated XX/XX/XXXX which I assumed is the day they received it since I had it notarized XX/XX/XXXX So after a few months after I haven't seen any changes with my account still stuck in lost mitigation. I called and they said something was wrong with my name in the system and that it was taking longer than expected to move on from lost mitigation. I did continue making payments with my new monthly payments based on the information on file with my modification based on the adjusted amount and interest at 2.750 % I called again asking what is taking so long and someone from freedom mortgage said that the account was being held up due to that spelling of my last name. However once he looked at the paper work the person stated that was no error on the paper work and my name was correct. If I remember correctly he said that I should receive last documents to sign to finalized everything. 

Once I received paper work some time in XXXX and due to my schedule I barely made the deadline to mail them but I did without reading it as I should have cause the final paper work did not match my Promissory note with the interest rate now 2.990 % When my account was out of lost mitigation I did notice the interest rate change. 
I called immediately to inquire about this and I was told on two different occasions that this was an error and they would sent it to the higher up management and to expect a call one this was done. NO one ever called me so finally today XX/XX/XXXX Someone told me is would not change back to the 2.750 % and it will be 2.990 % Called back after reviewing paper work and I knowing I was told and in writing the interest rate would remain at 2.750 % along with it being wrong I was told but another person she would submit my concern about the promissory note with the original agreement I made the Freedom mortgage. Was told that they cant promise another outcome but would note that originally there was a hold up on my paper work with name spelling but that was never the case and the promissory note did state the agreed 2.750 % .... I have to call back Tuesday to see the outcome. 

Truly frustrated that the modification did change due to them prolonging this process when back in XXXX a agreement was made and but they said my last name was wrong on paper work when it was not. I was told this would be a simple process and now It doesn't seem so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$23.00} XXXX  XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX. XXXX XXXX XXXX XXXX : {$130.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX  XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$570.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX  XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX  XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX  Balance : {$550.00} XXXX XXXX XXXX XXXX  Balance : {$630.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$23.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX  XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX : {$620.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$410.00} XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX : {$310.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX SXXXX  Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY STILL HAVEN'T RELEASED MY COMPLETED CREDIT FILE TO THE CREDIT BUREAS AND BECAUSE OF THIER NEGLAGENCE!!!! I HAVEN'T RECIEVED A CREDIT SCORE IN 11 MONTHS AND UNABLE TO GET ANY FINANCING ANYWHERE!!! ! MY CREDIT GILE NEEDS TO BE RELEASED TO THE CREDIT BUREAS AS I HAVE ALSO FILED COMPLAINTS AGAINST THEM ABOUT THIS EXSISTING PROBLEM THAT THIER CONSTANTLY DENYING AND REFUSING TO TAKE CARE OF!!!! @
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car at the car dealership and I had alot of hard inquiries. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd XXXX XXXX