23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/XXXX, we had received a promotional offer from Wells Fargo on our email as we are customers. The offer was for a Balance Transfer with these terms : 15 months interest free ( 0 % ), for a 5 % fee. 
We have kept the email with the offer. We called on XX/XX/XXXX, and requested this offer. On XX/XX/XXXX, we noticed that we were being charged interest on this transfer. We called Wells Fargo and talked to Supervisor XXXX. He looked into it and said the request had been improperly processed as a Cash Advance. He told us that he would submit it for correction. He said to give them a few months and we would see the correction made. Meanwhile, he advised us to make minimum payments until it was corrected. We waited until XX/XX/XXXX and called back because nothing had been done. We talked to XXXX, who said it was a 'bucket change '. He switched us to XXXX in Customer Care. Then we were switched to XXXX, who said the Case Manager, XXXX would call us within 24 hours. We received no call. We called back XX/XX/XXXX and were told that XXXX had tried to call, but our line was busy. Our call history showed no missed call. We were told that XXXX would contact us when it was resolved. It has been six months, and we feel they are not going to help us. Meanwhile they are charging us interest as if it is a Cash Advance at 23.99 %.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXXXXXX 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

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Multiple attempts to remove outdated and inaccurate addresses on my credit report have been made to TransUnion and XXXX. 

On attempts dated XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

After multiple attempts outdated and inaccurate addresses remain on my credit report.
Product: Credit card

1 ) The credit card company will only partially credit a late fee.

2 ) Payment due date states the XXXX but it actually requires payment by specific time of day and therefore if you are paying after XXXX on the XXXX then you are late. 

I find this to be a way to prey on people and take advantage of those who don't have the advantage of paying in advance ( hence the need for a credit card ). I have since closed my account and will not do business with them any further. 

This is dishonest practice in my opinion. If your due date is for a specific date- it should be that day PERIOD - not from XXXX etc.
Product: Checking or savings account

On XX/XX/XXXX I had XXXX $ XXXX from my account from an out of town ATM filed a dispute immediately next day hit with a denial filed a rebuttal and provided proof and still denied then XX/XX/XXXX I had XXXX $ stolen from my account
Product: Credit reporting

The last payment on this account was XXXX XXXX claim the last payment was XXXX I wrote XXXX to go a letter asking for a payment identifier for the last payment the only thing i got was who the account was sold to so i contacted XXXX XXXX at XXXX XXXX and spoke with XXXX on XXXX at XXXX she advised me that XXXX XXXX do n't have the account .How can XXXX report to Equifax the last payment but they cant send me the last payment identifier..
Product: Mortgage

Purchased home that was forclosed twice directly from  Ditech  in  XXXX  I  was told all  XXXX  and  XXXX  taxes and home owners fees would be paid by them since i wasnt living there when the fees occured. And I would only be liable for  XXXX  Hoa and taxes. I recieved a letter from  the Home owners Association i n  XXXX  stating the  XXXX  was n't paid and a lien could be put on my home.I contacted ditech and ask why they didnt pay the  XXXX   Hoa  fees and did the  XXXX  taxes come out my escrow. Causing additional shortages in my escrow account in my previous complaint. Its been  two  months still no answers.My payment went up {$300.00} from escrow errors .This company constantly makes mistakes and hold the consumer responsible.
Product: Debt collection

On XX/XX/XXXX, I checked the court website to find out when a certain debt was paid and noticed that a judgment was awarded against me in XX/XX/XXXX without my knowledge. I wasn't served any paperwork in regard to this hearing so I could go and defend myself in front of a judge. The court website said it's Jefferson Capital that is suing me but when I contacted Jefferson Capital on XX/XX/XXXX, they had no knowledge of what I was talking about. I was told to call XXXX XXXX and once again, was told they had no account in my name. So I called XXXX XXXX XXXX where I asked for a copy of the summons for this case and XXXX XXXX told me that he couldn't find the summons and no other paperwork could be found.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

This credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. A dispute was sent in XX/XX/2023 and they to do a proper investigation or acknowledge my dispute. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. This is unacceptable and needs to be investigated.
Product: Debt collection

Debt collector is trying to collect a deb which is not validated by law with a ( wet ink ) contract. Debt collector is damgming credit y reporting debt to all three credit agencies XXXX, XXXX, and XXXX. Dedt collector is sueing me in state court and has no proper documentation by law that it owns the debt.
Product: Mortgage

In XX/XX/XXXX I reinstated my loan, and I noticed in XX/XX/XXXX., that I was over charged an excessive amount after the reinstatement. I notified Shellpoint, however nothing was done about it. In fact they attempted to state that the fees was due to legal fees. I advised them once I reinstated the loan I paid the legal fees. Now it happened once again, and this makes the third time that this has happened to me. I reinstated the loan, paid XX/XX/XXXX a head of time, and they still hit me with more legal fees after I paid the reinstatement fees.

Each time I call to make the payment, and they will tell me that they could not take the payment, because they have to get the legal fees. Then they don't call back with the amount. I have to call them back a couple of weeks after, then they will allow me to pay to reinstate the loan. After I pay to reinstate the loan they advise me that there are additional legal fees, which the the one I paid was good for thirty days.

they are taking my money and not applying it to my loan
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Money transfer, virtual currency, or money service

l am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear XXXX, Experian, and XXXX, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my XXXX XXXX. 

The unauthorized identity theft inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Gettingunauthorizedhard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of theunauthorizedinquiries. 

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

Hello, My name is XXXX XXXX. I have fallen victim, through no fault of my own, to the XXXX breach, and several other personal information breaches over the past decade. Resulting from this, there was an auto loan, or lease that was opened by an identity thief with Volkswagen Credit, using my credentials, and social security number, and defaulted upon. I have done everything in my power, since learning of the theft, more than a year ago, to get the creditor, Volkswagen Credit, to remove the fraudulently opened account from credit reporting. I have filed a report with the FTC, and also with my local police station, XXXX Police, here in XXXX, Massachusetts. I work at XXXX XXXX XXXX, in the XXXX XXXX sector, and the financial ramifications of this fraudulent credit reporting has destroyed not only my credit, but my ability to attain another job in the financial services sector. Further, I am an XXXX XXXX at XXXX College, pursuing an XXXX degree, and am unable to take out a federal student loan, as a result of this fraudulent reporting. 

The only information that shows up on my credit report about the fraudulently opened account is that it ends in XXXX, and the account status is listed as " CHARGE-OFF '', amount {$10000.00}, contact information is listed as, " VW CREDIT XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX ''. I have attempted to call that phone number, and it is not a working number. 

Please help me, I beg you. I have tried everything. I am happy to provide the police report to yourself and FTC report filed. This has gone far enough, I can not obtain financing to pay my student bill as a result. I can be reached on my mobile phone at ( XXXX ) XXXX, or via e-mail, at XXXX. If I miss your call, please leave a message. 

Thank you ever so much for your assistance, and attention to this very important, and pressing matter, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX hired Financial Asset Management Systems to collect on a student loan. Financial Asset Management Systems ( FAMS ) continues to miscount the amount of payments that I have made. I have been paying FAMS for over 2 years, {$250.00} per month. They have repeatedly misapplied my payments or not applied all of my payments. They are flagrantly violating the Fair Debt Collections Practices Act, with their repeated misrepresentations of how much money I have paid them. FAMS is engaging in deceptive debt collection practices. In addition, FAMS and XXXX have illegally added excessive interest and fees to the account. Every time I have asked for an accurate account of the fees and interest, both FAMS and XXXX become evasive.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX billed amount XXXX $ -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. Please delete these items immediately.
Product: Credit reporting or other personal consumer reports

See attached documents. Remove this personal information that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I began to review my annual credit report. At this time, I began to notice several inaccuracies with my student loans services through XXXX. From that time, there has been over 27 changes regarding the balance as well as the payment history. At this time, I am unclear of if ANY of the information from XXXX is or has ever been reported and calculated correctly. This has made a very negative impact to my credit score and my ability to obtain credit from potential lenders. I do not trust that any the information has been reported correctly, or, that my balance to date including the calculation of interest is correct. 

I am requesting a formal investigation take place on my account. I want to have all statements and ledgers provided to me showing each payment that has been made from the inception of all loans. I also request that I be provided with the method is which the interest is being compounded and applied towards my account from inception, and a ledger indicating this in writing.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX Balance {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Investigation Request Letter To Whom. It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. I would like if you can investigate all these hard inquires on XXXX, Equifax, XXXX XXXX has 12 hard inquires that i can only voucher for 6 and the other are fraudulent XXXX XXXX  Auto XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX That is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX these are fraudulent inquires please remove from my credit report
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2018, Someone opened a XXXX XXXXXXXX XXXX XXXX XXXX in my name. I did not authorize this account, and I did not benefit from this account. 

Someone opened a XXXX account in my name on or around XX/XX/2018. I did not authorize this account, and I did not benefit from it. 

I have demanded debt validation on these two accounts. XXXX has not legally validated the debt on these two accounts. These accounts were open fraudulently using my stolen identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, CPS pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX   and CPS but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.