23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.
Product: Debt collection

Company has not provided me with ORIGINAL contract or validation of debt. The debt is 6 yrs old and placed on my credit report sometime last week. I have no knowledge of this debt. The company responded, however the most important questions were avoided! Will I receive a letter of validation? The ORIGINAL Contract? Their entire statement avoided those questions. This company ( Midwest ) and whoever the consumer is NEVER contacted me via telephone nor mail! So their statement regarding contacting me was untruthful, and as a business they are conducting unethical practices. I demand that it be deleted until validation is received. Further actions will be taken. I will not stop until I get the proper answers.
Product: Checking or savings account

Wells Fargo bank has been taking advantage of the consumers and customers and those past banker 's of Wells Fargo bank for years. And fired those banker 's for telling the truth about Wells Fargo bank illegal activities. And taking advantage of those customers and consumers and forcing those past banker 's to open up fake accounts with out the authorization and consent of those customers and consumers permission. And Wells Fargo bank has lost the public trust because of these illegal activities that Wells Fargo bank wanted those past banker 's of Wells Fargo bank to participate in all of these illegal activities. In which these past banker 's of Wells Fargo bank could have family members that are XXXX or have physical XXXX but I believe that Wells Fargo bank can care less about how the consumers and customers feel about those families that are struggling to provide for their families and loved ones just as their pockets are getting fat and getting paid to keep silent about all of these illegal activities that Wells Fargo bank has not only myself was taken advantage of but other customers and consumers was taken advantage of. Now it's quiet obvious that Wells Fargo bank was sued for discrimination and it was how a XXXX and XXXX community and the XXXX XXXX  customers and consumers and people of XXXX all over the world has been effective by all of these illegal activities that has been going on for years and decades. And I have thought that we as Americans had a right to financial privacy in which now it's quiet obvious that we don't have any privacy and confidentiality if we ever had any privacy up under all these law 's why are the consumers and customers and personal information being exsoped to the public with out the authorization and consumers and customers authorization? It's these customers and consumers information is being sold and shared with the authorization and consumers consent. And it's bad on the farm worker 's. And all of us are in a pandemic. By any means needs not to be used as a way to take advantage of the XXXX people and people of XXXX know of our language and charge the consumers and customers all of these and not informing the consumers and customers of all of these hidden fees by any means.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing information on my credit report that is not 100 % accurate. I have called several times and I am unable to speak with a live person, The call will eventually hang up. I am also unable to submit online disputes. Once I try to start a dispute, it will display the message " we're unable to complete your request online ''.
Product: Debt collection

My vehicle is currently past due and approaching repossesion status.  XXXX has started going through my XXXX account to call XXXX friends asking my telephone number and or location.  They have caused many problems with families whom I do not have a personal relationship with.. I am getting all kinds of XXXX friends contacting me in anger about these calls to their homes.  I have asked them to discontinue contacting my XXXX list of friends, some of which I have no active communication with with exception to reading timeline posts.  They continue to do this.  They also call my emloyer at least 10-15 times a day.  I can not receive personal phone calls at work.  I have relayed that information to them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car and got 4 hard inquiries for that car. I have 2 XXXX  credit cards but have 3 hard inquires. Also I have Three hard inquiries that I do not recognize. 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
Product: Mortgage

The problem I have is I pay my house payment every month through my bank account and this isn't even Due till XX/XX/XXXX. This is false reporting and having people come to my house to take photos and here we have all the proper paperwork through the bank. I'm sick of this company always lying about people! 

PHH MORTGAGE XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Mortgage Account Loan Type : CONVENTIONAL REAL ESTATE MTG Date Updated : XX/XX/XXXX Payment Received : {$410.00} Last Payment Made : XX/XX/XXXX Pay Status : >Account 30 Days Past Due Date< Terms : {$410.00} per month, paid Monthly for 360 months >Maximum Delinquency of 30 days in XXXX
Product: Checking or savings account

Last XXXX I sold a property and invested 40k in stocks, soon after in XXXX I believe I received a request from Robinhood to submit documents, ID, a bank statement and to answer some questions, which I did. I the lapse of 2 months they kept asking the same over and over, and I submitted what they asked over and over. At the beginning of XXXX I realized that my account had some restrictions, so I finally picked up the phone and talk to costumer Service the employe told me that they needed a statement for a specific account, which they didnt specify before. I submitted the statement while I was on the phone with the costumer service agent, which he acknowledged and told me that restrictions would be lifted in 2 or 3 business days. Weeks passed and nothing. I kept emailing them requesting information about it. Two weeks ago after talking to costumer service AGAIN, they told me that they couldnt talk to me on the phone about it and that I would receive and email. I did receive an email telling me that my account was being deactivated and the app said that they confirmed fraudulent activity. I told them that I didnt want to do more business with them and I wanted to transfer my assets and my cash. They dont let me do either of those so my money and assets have been kidnapped by them since then. Since nobody has been able to give me a straight answer about this Fraudulent Activity that they are talking about I contacted them again, and assuming that the unusual investment amount as the issue I went ahead and email them and submitted paper work where I showing step by step where the money came from, warning them that it was my last attempt to remediate this situation so they release my assets and money. The answered with the same email template saying that my account was deactivated and that they will let me know what when I could get key cash and assets. Im still waiting for resolution and loosing money since they have kidnapped my money and assets. They retuned me XXXX, but they still have XXXX and they dont give me a resolution. I contacted the XXXX XXXX XXXX and they directed me to you.
Product: Mortgage

I have tried for six weeks to get XXXX to endorse and send checks from Insurance company to pay for work done. 

XX/XX/XXXX Roof Damage XXXX XXXX issued half payment check to get work started. 
I mailed to XXXX XXXX they endorsed and Work started. 

Work was completed XX/XX/XXXX. 
Insurance company inspected and approved Issued checks for final payment County inspected and signed off on the work as well. 

I mailed insurance checks again to Mortgage company and they returned them UNENDORSED. 

They claim they needed to see the estimate and W9 for the roofers and a list of documents. I mailed the documents and check AND ALSO faxed them as requested. 

I was told they do NOT correspond through Email. 
I then received a letter stating that they understand that I have had damage. 
Which makes no sense since they endorsed the checks to start the work. 

I called and was then told that the roofer needed to fill out one of their special forms. 
I requested it sent to me as well as a call back from a supervisor. 

Six weeks have passed and they are still holding the checks from the Insurance Company. I am not able to pay the roofers who did the work. 
As far as the insurance company is concerned the work is done and the claim is finished. 

Each time I call they are rude and I feel as if they are being unreasonable when I only want to be able to pay the workers for what they did. My insurance company provided the check payment. This is just a simple endorsement.
Product: Checking or savings account

On XX/XX/22 a received emails that my new BOA account was created. I called their fraud department and created a claim that this was false. Claim # XXXX. I have called several times to find out why the account is still active and to find out why I keep receiving monthly statements. I have been hung up on or disconnected over XXXX times. I have gone to my local bank and they give me wrong numbers to call and can not assist and refer me to the fraud department. I have been nice just trying to close out a account I did not open and keep getting the run around. Account # XXXX
Product: Student loan

I paid my student loan on XX/XX/XXXX ( pmt was due XX/XX/XXXX ) and it was posted to the wrong account through Nelnet. I made an additional payment on XX/XX/XXXX which was cancelled by the Nelnet representative stating the moneys I paid previously would be transferred to the correct account. To date this has not occurred. 

I then received notification about a " missed '' payment- which again was not missed. I accused additional interest and my account reflected no payment due until XX/XX/XXXX, although credit reporting reflects a missed payment in XXXX. 

I called Nelnet back mid XXXX after I was notified by XXXX XXXX about ht missed payment and paid an additional {$200.00} over the phone. I have not made a total of {$500.00} in payment for an amount due that is less than {$200.00}. 

In addition, I never received notification of a change in payment address and had been paying my student loan since XXXX without issue.
Product: Credit card or prepaid card

I believe Synchrony Financial responded to my complaint with fraudulent information. The table they created has a glaring discrepancy including a blacking out of vital information. Why is this complaint closed when such a situation exists and no one questioned it? Although I do find it difficult to make sense of what Synchrony Financial has devised to confuse and frustrate, a simple cross-referencing of the actual statements with this table they submitted will clarify things much better than anything I can say. A good look at the table will reveal that it all just doesn't add up. This is not right. Please have someone take a good look at what Synchony Financial has submitted. Thank you. 
Sincerely, XXXX XXXX CFPB Case XXXX Amazon.com Store Card Account Number Ending in XXXX
Product: Payday loan

I had an Loan with cash call and paid them way more like 3 times the loan and they harass me
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 XXXX. 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 XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2500.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I've sent Certified Mail letters ( my identity theft affidavit with my signed and stamped police report ) to Equifax : XXXX XXXX XXXX XXXX XXXX, XXXX  : XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX, regarding a fraudulent opened account. 

The account that was to be removed : XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, and a high balance of {$36000.00}. 

On XX/XX/XXXX, well over 30 days later, I sent in an Affidavit of Truth & Facts by Certified Mail regarding the left on fraudulent XXXX XXXX account to Equifax : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX and XXXX  : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX I am now sending in complaints to the FTC, and the Consumer Financial Protection Bureau about the still left on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INQUIRY DOES NOT BELONGS TO ME XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX, XXXX XXXX XXXXK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

American Express Travel Related Services Company , Inc. issues the Amex Bluebird card in partnership with XXXX. I have been using this card for direct deposit and as my primary spending instrument for a number of years now. On XX/XX/2018, I returned a broken retail item to XXXX  and was issued a refund with no troubles from the store. The object was obviously defective and my money was credited back to my card. The amount in question was {$140.00}.

This amount has, as of XX/XX/2018, still not been made available to me in my account. Due to this, I have had absolutely no money to my name for a week now. I am desperate to have this resolved. I know the amount of money involved is not a large sum, but I was relying heavily on it to feed my family, as I am a poor man. Because of this glitch, or whatever it is, my XXXX  XXXX-year-old XXXX XXXX   and my XXXXyear-old have not eaten since Tuesday, when they ate saltine crackers and catsup. My wife and I have not eaten since Sunday. With tomorrow 's meager paycheck, I will have to buy food and I will not be able to even purchase the cheap XXXX XXXX toys I was going to leave under the XXXX Tree this coming Monday evening.

This money does not belong to American Express. It belongs to me. I have no one to whom I can go for a small loan or any help. The soup kitchen in my area is a violent den of drug users and drug dealers. I do not qualify for benefits because I do have a job. And normally I can afford to just barely squeak by, but every penny counts in my home and American Express 's arbitrary hold policy is literally starving my family.
Product: Debt collection

XXXX XXXX, I noticed a report from Professional Debt company stating I owed a debt of {$720.00} for XXXX XXXX XXXX XXXX, I asked for proof of the debt because I am not aware of the charges, they were rude, and told me they did n't have to provide me with any information, I just needed to pay it or they would keep it on my credit report. 
XXXX XXXX, I again contacted Professional Debt company and they stated that they did n't have to give me proof, that it was my debt and I just needed to pay it, I have tried several times to contact representatives from the company who state they do not have to mail me proof, nor do they have to prove the debt, I need to see proof that I owe this debt and was treated very poorly, I was hanged up on several times, and even a person saying that they were a supervisor hung up in my face when I asked for proof of the debt
Product: Mortgage

I am a XXXX  impacted heavily by Covid-19. I initially reached out to Amwest in XXXX, informing them of my listings and sales being cancelled and I would need a deferall. They weren't very cooperative until I filed a complaint, then agreed to move the two months payments to the end of the loan and slightly increase my payments and remove late fees. I have attached the statement where they continue to charge me a late fee. I contacted the XXXX  department again in early XXXX, letting them know that we are rolling back again due to covid, and i did manage to pay my property tax and insurance but need help with my XXXX mortgage and now XXXX. I didn't get any response, I emailed again, with no response. Their website states they help and will continue to help for covid impact, i attached a screen shot, but no response. I finally called XXXX XXXX at XXXX, he said he would get investor approval and let me know, never heard from him, i emailed again, and again, he finally responded and said he is waiting on the investor. This is very hard on our family to keep reaching out and get no help and response like all other regulated banks are helping my neighbors. I am asking for help and doing my part communicating and staying pro-active. please help, and also the unecessary late fees should be removed.
Product: Mortgage

XXXXof 2021 I was calling, voicemail, emailed, and stalk t SN Services to make a payment and be current on my mortgage. They lock my account online ( I could not make any form of payment with SN serving open my account, reason why I kept calling because I didnt understand why I couldnt make a payment. I did what I could to stop this foreclosure and no one responded until it was happening. I finally spoke to the lady once for her to tell me my house is in foreclosure. I was told this in XXXX. ( foreclosure started XXXX I was calling to stop it ) I could even rest my passwords unless they unlock my account. XXXX and XXXX I was calling to make payment to prevent the house going into foreclosure. She didnt respond until the house went into foreclosure causing me lawyer fees and I had to pay and get it out of foreclosure by the end of XXXX. I called and tried to make payment for 4-5 months and no one responded until it went into foreclosure XXXX. Please help me please I have the XXXX out of the XXXX.
Product: Credit card

I have called them several times was. The first call ( XX/XX/XXXX ) I talked to XXXX and he quoted a payoff amount of {$730.00} but I'll have send an email with my name and phone number and they would get a hold of me. The next call ( XX/XX/XXXX ) I was told to wait on a call from the XXXX XXXX and they would discuss my options. Waited for a week and called again ( XX/XX/XXXX ) I was told by XXXX the same thing but wait on a call in approximately in 36 hours and this time I was giving a payoff quote of {$830.00} or set up payments of {$270.00} X 3! Today ( XX/XX/XXXX ) i called back and now they say that there is no discount settlement on a payoff! I have not used this card for a year and I'm continued to be charged with fees each month. I am willing and would like to get this account closed with a hardship payment with a discount! i have been sick and can not afford paying this anymore. Best Egg Credit Card
Product: Debt collection

I attempted to dispute the following from my credit report. 

Midland Credit Management account # XXXX balance {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX FRAUDULENT PHONE NUMBER : 1. XXXX 2. XXXX 3. XXXX