23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Student loan with Wells Fargo constantly calling me from different numbers to collect since at least XXXX 2015. They also constantly call and harass my cosigner, and now they 've called my boss 's PERSONAL cell number. I do n't know how they even got that number! I called them today and told them to immediately remove my boss 's personal cell number from their call list, to which they say they will comply. If Wells Fargo does n't call my cosigner and I every day, they call at least every other day, sometimes multiple times a day. They also call after XXXX CT. Only number that comes up in reverse lookup is XXXX. Other numbers they 've called from are private and not listed but include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit by XXXX XXXX. They sent me a letter saying why they denied it and listed Equifax as a source for their denial. On XX/XX/2019, I attempted to obtain my credit report from Equifax online. The website said they were closed and to try again later. On XX/XX/2019, I attempted to access it via their website again and the website told me that online delivery was unavailable. I next tried calling the XXXX number they gave to me. That number referred me back to the website or to obtain it via US Mail -- which is unacceptable for me as I need to see what derogatory info was in the report so I can continue to try to buy a car ahead of winter. I went back to the website and tried the online chat. I informed a rep named XXXX that I needed to speak to a live operator as I had a problem that the website did not address. She then gave me a number that was just like the number on the website that didn't have a live person. Since I had called that number I told her that there was not a live person at that number and then she gave me another number and said I could reach a live person on that number. I then asked her why she didn't give me that number in the first place. I mean, does Equifax really think that people who live in poor, communities of color are stupid in addition to being poor? I then asked for a supervisor and a rep named XXXX was put on the line. She gave me the website number also and then finally gave the live number -- all in all, this was the runaround from Equifax and a waste of my time. They said they worked for Equifax but they didn't seem familiar with my rights under the FCRA. After I finish with the two people on the chat support from Equifax, some person named XXXX calls me back and says she's from Equifax and proceeds to try to verify my account info which I give in good faith. Although she was asking for odd information like when I put freezes in place, etc. Basically, it was information that one does not normally keep for later use. Finally, she asks me when I last got a credit report and, not remembering when ( since it was also a problem and I had to make a formal complaint to the CFPB as well ) I said XXXX of 2019, this XXXX person then informed that since I had already received a free report this year Equifax would not send me a free one again. I then inquired if she was familiar with the laws of the United States of America and she seemed not to care. I then realized I was getting nowhere and I finally hung up on her.
Product: Mortgage

I am being charged XXXX dollars for an escrow shortage that doesnt exist. I was notified of an escrow shortage of XXXX dollars from the mortgage company. I paid them XXXX dollars to fix the shortage and to put extra money in the account. However they stated that my mortgage was still going to go up to account for the shortage in the future which doesnt make sense since I paid the shortage. They stated that the insurance went up XXXX dollars from XXXX dollars a year to XXXX dollars a year ; this information is false. The insurance went up XXXX dollars a year from XXXX dollars to XXXX dollars. They claim that the last information they were aware of was insurance records from the XXXX when the insurance was XXXX dollars. However, according to their records, they mortgage company paid the XXXX dollar premium from XXXX. I am able to produce documents to prove it to them and they still will not change the increase in the mortgage. They claim that they made no mistake when they completed an escrow analysis. I was able to show them that they analysis the completed was incorrect and was compiled with the incorrect data. I requested a new escrow analysis with the correct information but they refused and are now charging me XXXX for a shortage that doesnt exist. I would like the VA to know this information and I would like the VA to fix this, since it is unjust.
Product: Checking or savings account

Citibank closed my account for no reason and hasn't returned my funds in the 30 days as they said the would
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against XXXX regarding unauthorized credit inquiries that have appeared on my credit report. After reviewing my recent report, I identified several inquiries that I did not authorize and have no knowledge of. Despite contacting XXXX to resolve this matter, these inquiries remain on my report, causing significant frustration. The unauthorized inquiries in question 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 XXXXXX/XX/XXXX Attached to this complaint is an Identity Theft Report filed with the Federal Trade Commission ( FTC ). This report, along with the corresponding case number, supports my claim regarding the unauthorized credit inquiries on my credit report. I kindly request that the necessary steps be taken to address this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your prompt attention and review of this document as part of the investigation. I believe XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove these inquiries from my credit report, even after I brought the issue to their attention. 
The sections of the FCRA that support my claim are : Section 611 ( 15 U.S.C. 1681i ), which outlines my right to dispute inaccurate or incomplete information. I have disputed these inquiries, but XXXX has not conducted a satisfactory investigation. Section 609 ( 15 U.S.C. 1681g ), which grants me the right to access my file. Upon reviewing this information, I confirmed that I never authorized these inquiries. 
Section 604 ( 15 U.S.C. 1681b ), which details the permissible purposes for credit report inquiries. I did not give consent for these inquiries, and XXXX has not provided evidence of a valid reason for them. Despite my efforts to resolve this directly with XXXX, these unauthorized inquiries continue to negatively impact my credit report. I request that the CFPB intervene to ensure XXXX fulfills its legal obligations under the FCRA by removing the unauthorized inquiries and providing me with an updated credit report. I appreciate your prompt attention to this matter, and I am happy to provide any additional information needed for your investigation. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I am unaware of this alleged debt that was placed on my XXXX and XXXX consumer report ( See XXXX XXXX XXXX XXXX A ) ( See XXXX ) ( XXXX KB ) Remove and I did not receive proper notification of this debt which violates 12 CFR 1006.34 ( B ) ( 5 ) ( See Exhibit B ) Debt Collectors must notify you within 5 days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( See Exhibit C ) If you, JEFFERSON CAPITAL SYST believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. If this information can not be provided. I want this alleged debt removed from all my consumer reports effective Immediately. 

This is really disheartening to know that JEFFERSON CAPITAL SYST can overlook the laws and rules that says that in order to place an alleged debt on a consumer report the debt collector MUST contact the consumer on the Consumer Financial Protection Bureau site. ( See Exhibit D ) I have found information that clearly states that debt parking is illegal and that a debt collector can not park a debt on a consumer report without first contacting the consumer in the connection of the debt. (

See Exhibit E ) To validate the debt, I am requesting the following information : The original sales agreement pertaining to the debt in question. JEFFERSON CAPITAL SYST license and documentation proving your authority to collect this debt from me. Additionally, I request my written consent for JEFFERSON CAPITAL SYST to have my NPI ( Non-Public Personal Information ) social security number, date of birth, address, and the contract that I agreed to publish the alleged debt to JEFFERSON CAPITAL SYST. Please be advised that this request is not an admission on my part, but rather a request for validation of
the alleged debt. Upon receipt of the requested information and verification of its accuracy, I will then be in a position to discuss resolution. Please provide the requested documentation within the timeframe specified by the FDCPA. No validation of the alleged debt may result in taking further action to protect my rights. 

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

XX/XX/2020 vehicle loan with XXXX XXXX XXXX XXXX XXXX was paid off in full and reported to the credit bureaus but the account it not being reported on XXXX  and Equifax Credit Report. I have wrote in to the agencies and XXXX  still has not corrected this matter. Equifax and XXXX   have add the account but incorrectly and the payoff didnt increase my credit score.
Product: Debt collection

The debt collector repeatedly called my work cell and my office giving the last 4 of my social to other employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On viewing my credit report, discovered I had 3 hard inquiries from Bank XXXX XXXX, XXXX XXXX and XXXX XXXX services I never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus, Transunion, XXXX and XXXX wrongfully removed two accounts from my credit profile which was paid in full and closed. This particular account ( XXXX XXXX XXXX ).

When these accounts were removed, it also removed eight ( 8 ) years of credit history from my account which has drastically affected my credit score. These accounts were on my credit reports, I have the full reports in my possession in which I can provide if necessary.

I did not receive any notification that these accounts were being removed which is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion in XXXX as there were inquiries or my report that I did not authorize when I was buying a car. Earlier in XX/XX/XXXX 2018 I called with a few from a previous purchase and they were removed with no issues. In XX/XX/XXXX2018 when I was purchasing a car I told the dealership not to run my credit in any other bank other than the one my husband was already approved for and that I would only be a co-signer for to get him a better rate. They didnt listen and that why I ended up contacting TransUnion. I was criticized by their employees when I called on XX/XX/XXXX that it doesnt affect my credit score. I explained to them that Im not worried about it affecting my credit score and that I didnt want it in my report as I never asked for credit from those places and that it remained on my report for 2 years. I asked them why these items were not removed when I filed the disputed in XXXX but was told that I had to write letters to those companies that I never had dealings with and provide personal information such as name adresss date of birth and social security number and hope that I dont become a victim of identity fraud. They had 30 days from the day I filed in XXXX to verify or delete these inquiries. They didnt do neither and they are still on my report. XX/XX/XXXX inquiries on my report are still not supposed to be on there. I want this resolved ASAP.
Product: Credit reporting or other personal consumer reports

Ive been trying to get business funding but TransUnion and XXXX have false information on my credit report Ive contact the company about this situation and sent them proof and still no change has happened. I lost over XXXX  a XXXX in business deals already and wants this fixed or removed asap. I will attach images and highlight to show wrong information on report.
Product: Checking or savings account

XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$2.00} XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$180.00} XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$140.00} Wells Fargo Bank is engaging in account fraud by moving funds from my accounts to other clients business accounts and claiming it to be debit card fraud activity so that they can issue a new card. I called them out and they have retaliated to my claims by sending nine envelopes of the same letter stating reversal of the funds, They engage in this activity immediately after I activate a new card so that I must make a claim and loose the ability to use current card thus needing a replacement. they have now attached my wife 's account in the same manner for me being honest about my suspicions. They currently will not issue me a new card so that I can not preform online transactions. The Bank holds the peoples money, We are the bank, they are engaging in fraud. Please help me! They treat me as if I have no rights or power in regard to this on going scandal. 

Wells Fargo account fraud scandal The company faces additional civil and criminal suits reaching an estimated {$2.00} XXXX by the end of XXXX. The creation of these fake accounts continues to have legal and financial ramifications for Wells Fargo and former bank executives as of early XXXX.
Product: Credit reporting or other personal consumer reports

my information has been exposed in a data breach. Experian have been tarnishing my credit reputation for months even after I've shown these accounts below do not belong to me. 

XXXX XXXX # XXXX, Bal- {$3300.00}, Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$6600.00}, Date XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XX/XX/year> IQ Data International XXXX XXXX XXXX XXXX, WA XXXX XXXX Subject : Request for Debt Validation and Cease Collection Activity To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced in your records and to request that you cease all collection activities related to this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/year>, I disputed this debt and requested validation. On XX/XX/year>, I was informed that my dispute was denied, but as of today, I have yet to receive any proof of this debt, despite multiple requests. I spoke with your representative, XXXX XXXX, on several occasionsmost recently on XX/XX/XXXX, XXXXand I was repeatedly denied the information I requested regarding the debt and the balance owed. 
During our conversation on XX/XX/year>, XXXX acknowledged my dispute and stated that she would add my apartment number ( XXXX ) to your records and resend the verification. However, I still have not received any documentation in the mail, despite her assurances. 
It has now been over 60 days since my initial request for debt validation and more than 30 days since my follow-up requests. As stipulated by the FDCPA, you are required to provide verification of the debt within five days of receiving my dispute. Your failure to do so constitutes a violation of this law.

Given this lack of compliance, I am formally requesting the following : 1. Immediate cessation of all collection activities related to this debt.

2. Removal of this debt from my credit reports, as it has not been validated.

3. Consideration of any applicable fines against IQ Data International for your unlawful practices. 
Please consider this letter a final opportunity to resolve this matter amicably. I am compelled to take further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau and pursuing legal action. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

I was issued a Walmart Store MasterCard/Credit Card with # XXXX XXXX XXXX with an expiration date XX/XX/XXXX. My monthly statement sometime missed to reach me at times. And I just call the XXXX Customer Account Services to find out how much is my balance and due payments. However, On XX/XX/XXXX I called the said numbers and an answering service has notified me that I have no payment due at that time and my account was closed. I was surprised by the message despite I was always current on my payment. And the closed my account. And I started receiving a collection calls every now and then. Including on Sundays. I was not notified by mail why my account was closed. And the worst things they call even at night passed XXXX Arizona time. And Early on Sundays. I called and left a message on that Collection Agency and never receive any response from them. Now, I am surely they are hitting me with late fee 's on my account. 

Kindly help me with my situation with the Walmart account. If for some reasons they have closed my account. Atleast, They will offer me a chance to pay them back without the penalties and interest at a monthly payment I can afford. Thank you very much for your kind understanding and consideration. 

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

XXXX of XXXX  I spoke to the creditor because it was a closed account that showed a ballance so I made a deal with them to pay a lower amount and they would except it and call it closed and showed a XXXX balance. I paid the money and got a letter that said it's paid and it showed correctly for 2 months on my credit report and then for XX/XX/ it showed as being a closed account but it said I had a 30 day late payment of XXXX dollars of the balance that they said would be expunged. I have a letter that says it's paid as per our agreement so I called the credit company and they said they didn't report it and they can't do anything about it. This brought my credit score down XXXX points in one swoop. I did the right thing and now they need to do the right thing and take it off my report!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  last four of my social :XXXX Statement of Facts Regarding Unauthorized Inquiry from XXXX XXXX I am writing to formally dispute an unauthorized inquiry listed on my credit report.

The inquiry is dated XX/XX/year>, from XXXX XXXX. I do not recognize this inquiry, nor did I authorize any transaction or credit request involving XXXX XXXX  on the aforementioned date. This inquiry is fraudulent, and I am requesting that it be immediately removed from my credit report.

Statement of Facts : Unauthorized Inquiry : On reviewing my recent credit report, I found an inquiry from XXXX XXXX  listed under " Inquiries '' dated XX/XX/year>. I did not initiate any contact with this company nor give consent for them to pull my credit report.

No Prior Relationship : I have never applied for credit, services, or initiated any business with XXXX XXXX. I am certain that I did not authorize any credit check or inquiry with them.

Fraudulent Activity : This inquiry is unauthorized, and I believe it is the result of fraud. Someone may have impersonated me or used my information without my consent to access my credit report.

Request for Immediate Action : I request that TransUnion immediately : Remove the unauthorized inquiry from my credit report.

Conduct a full investigation into this matter to determine how the inquiry was made without my authorization.

Provide me with written confirmation that the fraudulent inquiry has been removed and that my credit report has been corrected.

Please treat this matter with urgency, as unauthorized inquiries
can have a negative impact on my credit score and may be indicative of identity theft. 



XXXX  XXXX
Product: Mortgage

I have sent multiple loan modifications to this company. I have sent one on or around XX/XX/2022, another on or around XX/XX/2022, another on or around XX/XX/2022 and a final one to both the attorney and XXXX XXXX on XX/XX/2022. 

They are misrepresenting the information I am sending, stating it is an incomplete package, even though I have sent all documents they have requested of me. My loan modification has been delayed for over 60+ days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of XXXX I noticed XXXX bank was not reporting my account accurately ( not reporting payments ), I was able to use the card to make a purchase in XXXX, and then not again for XXXX  months. I contacted the creditor SEVERAL times by phone, first being told because I had a different address I was locked out of my account for a week, then told there were system errors throughout showing some accounts as closed and mine was XXXX affected, I was even question as to whether or not I had closed the account because at that point in the rep 's system my account was showing closed. There were phonecalls made at least XXXX  times between XXXX XXXX as I was unable to use the account at all during this time to make any purchases, although I was able to verify the account had not been closed, rather this update " technical glitch '' somehow made my account unusable. 

XXXX  KNEW it had a system error that was resulting in many accounts being reported incorrectly and not only didn't attempt to fix the issues with consumers ( I was given the run around, call back in XXXX weeks, we're still working on it, our system update glitch remains unsolved XXXX  months later ) and unable to take advantage of any financing offers that required I specifically use this card ( the entire reason I got it ) but HAS NOT correctly updated accounts that have since been reported inaccurately even though they WERE AND ARE AWARE their system is the problem. Finally in late XXXX, early XXXX the issue had been fixed with MY account and I was able to use it again. 

When I asked in XXXX of XXXX for a letter of statements of the fact to send to all XXXX credit bureaus ( as by now the account was reporting as closed as of XX/XX/XXXX ) I was told I had to write in to request that, and to just give it XXXX  days and it will clear itself out, well nearly XXXX  days later SOMEONE IN THERE KEEPS VERIFYING THE WRONG INFORMATION! 

I then proceeded to dispute the information on my credit report with each bureau ( several times ), and EACH INVESTIGATION returns as verified leaving me to believe either no investigation is happening or XXXX  if STILL furnishing incorrect data FULLY AWARE of their own system error. 

While this may have been as a result of data error from the creditor, it took me no more than a XXXX minute phone-call to account services to verify that this account is in fact still open, so between investigators doing the same WITH A CURRENT BILL AS PROOF, there is no reason for these findings. 

As it is an account with perfect payment history and almost XXXX  years worth of history, showing it as closed by the creditor has caused undue harm to my credit score and credit worthiness. I have given XXXX MULTIPLE opportunities and an exhaustive amount of time to fix the issue. 

Through these actions my rights have been violated under FCRA policies and I fully intend to pursue remedies up to and including punitive damages against XXXX