23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank of America sent my debit card to the wrong address intentionally and stole my card. When I went to file a complaint they ignored the complaint even after I filed it. Then when my deposit came they credited my account XXXX. They then switched my complaint from fraud to dispute stupidly and maliciously in order to repocket my credit as a dispute investigation gone wrong. They tried to steal my rent on purpose and I want my account fixed and the negative XXXX. To be reversed and someone from management ( the President ) to contact me to fix it cause you dont switch fraud to dispute after you file it as fraud. They admitted to sending it to the wrong address and trying to keep my funds. It was never a dispute. If I never got the card it is fraud but the day before my deposit they put this negative balance in my account trying to make me homeless. I will fight back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several unsuccessful attempts with TransUnion to have accurate reporting reflect on TransUnion file. As well as, I have not received any information after the initation of an investigation. Issue : Third Party, XXXX, on the behalf of XXXX XXXX XXXX has reported rent payments submitted online to TransUnion. After contacting TransUnion and being advised to have XXXX resubmit reporting to TransUnion. TransUnion has still failed to update my TransUnion Credit Report to reflect the positive reporting. Please assist in having TransUnion to update my credit report reflecting the positive online rent payment reporting for the following Months : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Attached are supporting documents to reflect the information from XXXX showing the months that were reported. Also, attached is the online and cashier check rent payments made to XXXX XXXX XXXX of XXXX starting from XXXX XXXX, XXXX to XXXX XXXX, XXXX. Please assist in resolving this matter quickly and having TransUnion reflect the positive reporting onto my credit report.
Product: Debt collection

I had a Macys CC an purchased some earrings ( Diamonds ) on or about XXXX or XXXX these items were never received by me being signing from a shipping company or any proof of signature, seems like the items were left unattended at the front door someone may have taken them, as I received E-mail that items were delivered check my mail box which was a po box but items were not there called Macys an disputed the items an explained I never received them also requested a Credit from them never did. 
The items seemed to have been left at the front door with no signature to receive the package
Product: Credit reporting or other personal consumer reports

My account for XXXX was falsely used its not me I would Like that to be erased from my report asap
Product: Debt collection

A man left a voice recording on my sisters phone for me to contact them over an urgent matter. It was strange to me that anyone would even contact her as I do n't give her information out for any reason. After work I called them and a woman claiming to work for ARA ( Asset Recovery Associates ), tells me this was over a debt of {$490.00} for a payday loan she says I took out in XXXX? ( I do n't recall the exact year ). When I tell her I had no idea what she was talking about she said this matter has to be resolved within the next few hours or she would have to submit paperwork charging me with fraud. That terrified me as I have never been in trouble with the law so I again tell her I did n't know what she was talking about and she begins reciting my social to me, then my birthdate, then an address I have n't lived at in a little under 18 years. She tells me that I knowingly walked in to a business and gave fraudulent information in order to get this loan. I again told her I do n't know what she 's talking about then she says I have a voided check from a XXXX XXXX account, that 's where she lost me because I 've never had an account at XXXX. I explained to her that a few years ago I had my checkbook stolen by a family member but that had been cleared up but she did n't care. I was threatened with charges being filed and being arrested. I was so scared that I just decided to make arrangements with this woman. Right after, I called my ex husband and told him what happened and immediately he told me to cancel my bank cards that this was a scam. Apparently the same thing had just happened to his mother in the same week. So, I did just that and then did my own research and found the name of a lawyer that has dealt with them before. They gave me the same advice. They told me to cancel my cards, report them to the XXXX and on this website, and some other instructions. Apparently this company is notorious for this type of thing. I do n't want anything but to be left alone. These type of people make me sick.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$6300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX DOB XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern, I am not liable for this debt with XXXXXXXX XXXX XXXX  I do not have a contract with JEFFERSON CAPITAL SYST, They did not provide me with the original contract as I requested. JEFFERSON CAPITAL SYST called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until JEFFERSON CAPITAL SYST, proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This item was purchased by a Third Party Debt Collector ( JEFFERSON CAPITAL SYST ). This account must be deleted as the status is not correct, the amount is not accurate, and the account was paid for less than owed by the Third Party Debt Collector. As you can see from my credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account name : JEFFERSON CAPITAL SYST and Account numberXXXX for reference and incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete.
Product: Credit reporting or other personal consumer reports

Unauthorized and duplicate inquiries that does not belong to me. Also, I have no accounts with these inquiries made.
Product: Debt collection

On XX/XX/XXXX I was taken to the XXXX XXXX room. We were told it was a county hospital and where I should go for financial reason since I was UNEMPLOYED with NO MEDICAL INSURANCE and I was on pandemic unemployment. I suspected that I have XXXX / XXXX virus as I was very ill and having difficulty breathing. The Emergency room doctor here ran extremely expensive test, most of which were unnecessary, like a XXXX test even though I informed him that I have had NO XXXX since I was XXXX years old. He ran illegal XXXX XXXX  all of which were negative. They even had a XXXX  office read test and they too sent me a separate bill for this visit. There is also yet another, 3rd bill coming to me from XXXX XXXX XXXX group for this same visit. Thousands of dollars I have been charged just to go to the emergency room to make sure I did not have COVID. All I needed was to have XXXX ruled out, simple. I was there not even an hour. 
I called and called their billing department, never getting an answer for MONTHS, I left voice mail messages begging them to call me about these bills. I finally had one person call me and instruct me to send all my financials and income tax returns for the year prior, XXXX which was when I had a job. So they based the hardship assistance I was pleading with them to give me for these bills on a year of income that was long GONE and not the year of XXXX I was currently in and unemployed in for most of the year. 
I even went online a couple of months ago and paid a {$20.00} payment to the XXXX XXXX payment portal just to show I was trying to come up with something until they could grant me hardship assistance. Now they have turned me over to a collection agency, with out any notice of my status of hardship assistance determination. I have this showing up on my credit bureaus which is crippling to me as I start to try to rebuild my life after a year of very little employment. I can not rent an apartment or get a car loan with this collection on my bureaus, and it is NOT ethical that they have placed this account for collections anyway after I have been trying to reach them AND made a payment to them in the midst of this until we figured out what to do with financial aid and hardship determination based on REAL numbers and income, not my XXXX year of income before the PANDEMIC. I am, and always was, more than willing to make payments to this hospital if they would call me back and please speak with me to set up a payment plan and in the meantime, take this account out of collection.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an unresolved credit report issue that is severely impacting my credit score and jeopardizing my ability to purchase a home. Despite multiple attempts to resolve this directly with XXXX XXXX XXXX XXXX, the inaccurate reporting remains on my credit report, and the credit bureaus have failed to make the necessary corrections.

Here are the details of the situation : 1. I paid my XXXX XXXX credit card bill of {$1400.00} before the statement closed. However, XXXX XXXX reported me as late and over the limit to all three credit bureaus ( XXXX, TransUnion, and XXXX ), resulting in a derogatory mark on my credit report and a nearly XXXX drop in my credit score.

2. I provided proof of the timely payment, including XXXX XXXXXXXX XXXX confirmation that the payment was made on time and processed correctly. I submitted this proof to all three bureaus, yet the derogatory marks remain on my credit report. 
3. Despite my efforts to resolve this with XXXX XXXX, they continue to insist there was no issue with the payment, providing an explanation about delays related to weekends and holidays, which does not address the core error in the reporting to the bureaus. 
4. I have already disputed this matter with the credit bureaus, but they have not corrected the error. I have sent proof of XXXX XXXX statement that the payment was made on time to all three bureaus, yet my credit report remains inaccurate. 

I am currently XXXX XXXX XXXX XXXX XXXX and in the process of purchasing a home. This issue must be resolved immediately or I will be unable to close on the home, which is causing me significant stress and emotional hardship. 

Given the urgency of this situation, I request your immediate assistance in ensuring the credit bureaus correct the inaccuracies in my credit report and update the information with accurate details from XXXX XXXX. This situation is time-sensitive, and I ask for your prompt intervention to ensure this matter is resolved without further delay. 

Thank you for your attention to this critical issue. I look forward to your response and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following inquires on my credit report from organizations I have no relationship with : XXXX XXXX, Auto Financing, XX/XX/20 XXXX XXXX XXXX, XX/XX/20 XXXX XXXX, XX/XX/20 To my knowledge, I have not signed any documents authorizing these organizations to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called every number I can find for Equifax today and yesterday, XX/XX/XXXX and XX/XX/2020 and I have accessed their online services however am unable to unfreeze my credit. The only number I have that leads to a live person results in them telling me I did something wrong, they cant help me or a transfer to the same rotary system that I just told them doesnt work. The automated system seems to work but at the end Im told they can not process my request. I stay on after pressing 6 to get to a live agent and after a couple of minutes of dead air I get a survey asking me about my experience with the agent I never had the opportunity to speak with.
Product: Credit reporting or other personal consumer reports

The following companies are reporting information from accounts i didnt open. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

On   XX/XX/XXXX  I was offered and granted an administrative forbearance by Fedloan from  XX/XX/XXXX to  XX/XX/XXXX  ( see attached ). After filing a complaint with CFPB on  XX/XX/XXXX  to ask that Fedloan 's negative reporting to the credit bureau be removed because of inaccurate information, Fedloan removed the preciously approved Forbearance two days later and with no specific information to indicate why - see attached letter dated  XX/XX/XXXX .      My most current bill dated  XX/XX/XXXX  ( attached ) shows a balance due of {$1300.00}. This is an odd amount but presumably covers   XX/XX/XXXX  and  XX/XX/XXXX  pay ments due. I am still pending a lower payment from an IDR request made early    XX/XX/XXXX    and was advised to not make payments until the lower amount was approved. The estimated lower payment pe r Fedloan was approximately {$280.00}.      Finally, I am attaching a screenshot taken today which shows my account status with a payment of {$6200.00} due by   XX/XX/XXXX .      This is outrageous and only causes further hardship for me. There is absolutely no way I can pay this amount of money and the expectation to do so only places me at imminent risk of further negative reporting.     I am also beginning to wonder if this action is a form of retaliation because of my complaints made through your agency. Perhaps they would rather sabotage the good standing of my account by removing the forbearance rather than own up to their inaccurate record keeping and correcting their negative reporting to the credit bureaus.     The level of incomplete and inaccurate information contained in my account and the prior negative reporting which is currently under review - is a huge obstacle in my applying for a mortgage loan. This confusion and incompetence has been going on for  five months  now.
Product: Vehicle loan or lease

At the end of XX/XX/XXXX I chose to finance my current leased vehicle that I was leasing through GM Financial. My XXXX payment went through in addition to the payoff sent from my dealership. This caused an overpayment of {$500.00}. It has been a horrible experience trying to get the {$500.00} refunded back to me. Every time I call into customer service I get told a different story. Last Monday I was told that the check was cut on XX/XX/XXXX and that I should receive the check by the end of the following week. When I called this past Friday inquiring about the check, I was told that they were still waiting on final approval for the refund and that it could be the end of XX/XX/XXXX when I could receive the check. I do not understand why this process is taking so long as I have received the letter in the mail from GM Financial over a month ago congratulating me for paying off my lease. The company does not get to just keep overpayments. I just want my overpayment to be sent to me so that I can close this chapter.
Product: Mortgage

My deceased mother continue to recieve mail and correspondence From CitiMortgage , Inc in regards to an alleged Mortgage : Please se CFPB Case # XXXX XXXX, XXXX & XXXX.
Product: Debt collection

I had several visits regarding a XXXX XXXX XXXX. I made monthly payments The oldest amount due XXXX was sent to collections despite my making monthly payments. I told the collection agency immediately that I would only communicate with the original creditor. I continued to make monthly payments until account was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company, National Credit Systems, multiple times regarding the two accounts that were placed on my credit report after they sent letters stating that i owed the debt. Two times I sent out validation letters for them to show me that the debt is owed to me and the did not respond either time. These dates were XX/XX/XXXX and XX/XX/XXXX. I also contacted all three credit bureaus on numerous occasions - XXXX, XXXX, and XXXX - and stated that the debt was not mine and that they did not respond to my letters. Each bureau said that the debt was validated through their company but did not provide any information as far as the validation that National Credit Systems provided. This debt is inaccurate and should not be reported on my credit.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any 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. XXXX  XXXX Bankruptcy XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 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

I would like to dispute the following items on my credit report. 

Experian : XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Student loan

The loan for my loans was recently transferred to Aidvantage for servicing. 
I open an account at Aidvantage - number XXXX. 
As I live in XXXX I searched their website for details on how to send payments internationally. I could not find any. 
I have an account at XXXX XXXX XXXX XXXX ( XXXX  ) so I sent ( by registered delivery ) to : Aidvantage FSALS, XXXX XXXX XXXX, XXXX, OR XXXX - six checks for each loan ( I have 2 ) that were individually dated for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. There was a cover letter that explicitly stated " do not present the checks before the date on the checks ''. 
As soon as they received the cheques they presented them. The majority of the checks were honoured by XXXX so all my funds were wiped and I was left with a huge overdraft. 
I emailed Aidvantage but got a long winded response that basically said we don't answer via email so phone or come in or write. 
Tried to phone, but the number to internationally call was listed incorrectly as XXXX XXXX XXXX XXXX. In actual fact to call the USA the code is XXXX then XXXX then area code and number so correct number is XXXX. Having worked this out I tried calling go through to an automatic system which did not correctly recognise my SS number or account number. It was not possible to talk to a human being. 
Can you help please. They have wiped out my account and left me with an overdraft
Product: Mortgage

This concerns case XXXX. We contacted you to let you know that someone at Wells Fargo named XXXX has agreed to review our case again. Today we received a load of documents from Wells Fargo. All the responses given to Consumer Financial by Wells Fargo is false twisted information. It was Keep Your Home California who advised us to contact Consumer Financial Protection Bureau on the State and Federal violations by Wells Fargo. Now Wells Fargo is retaliating for us going to Consumer Financial for help. All the Bank has been saying is very confusing because it does not make any sense. We received Federal help through Keep Your Home California and now Wells Fargo is using the funds as a severe weapon to manipulate us. XXXX XXXX from Wells Fargo got upset because we are using the word blackmail to describe their actions. But we know of no other word that describes what they have done to us so far. All the mixed up information that Wells Fargo has confused all agencies with, we happen to have a paper trail of documents from Wells Fargo themselves that show proof of their illegal activity and their continuous lies and contradictions. Wells Fargo is illegally threatening us with foreclose as we are now in modification. If they attempt to foreclose it will be the second time they break California State law that says a Bank can not foreclose while someone is in the process of modification. But that is no problem with Wells Fargo as they had simply said the first time they done this, " We take no responsibility '', we suppose they will say the same again in total disregard of the law. We do not know what Wells Fargo wants, nobody does! We have fully cooperated to the best of our ability to do what Wells Fargo asks but no one knows what Wells Fargo wants, not even Wells Fargo. We have asked for our rights from Wells Fargo in this case and have been constantly denied. Would Consumer Financial please ask Wells Fargo exactly what is it they want. This has gotten totally out of hand by Wells Fargo. Please advise how we could liberate ourselves from these inhuman representatives of Wells Fargo.