23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried over and over again to work the the debt collections companies to get these debt remove. The debt they claim I owe does not belong to me. I have sent both companies documents to prove so and I never heard a response from neither of them. I do n't know what to do because I 'm so fed up. These bad debt is causing havoc on my life and I need this negative information taken care of.
Product: Credit card

I hope this letter finds you well. I am writing to bring to your attention an error I have noticed on my credit report regarding my Wells Fargo credit card account. It shows a late payment reported for XX/XX/year>, which is incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute information that I believe to be inaccurate. Therefore, I am requesting that you investigate this matter thoroughly. If your investigation finds that the late payment report is indeed inaccurate, please update my account status with the credit reporting agencies to reflect the correct information. 

I would appreciate it if you could confirm once the correction has been made and let me know what steps were taken to resolve this issue. The incorrect late payment is having a negative impact on my credit, and I am eager to have it corrected as soon as possible.
Product: Debt collection

Applied for a home equity loan with my bank and a XXXX XXXX XXXX collection account appeared on my credit report in the amount of {$1500.00}. I contacted XXXX XXXX XXXX and was told the account was being handled by Radius Global Solutions. I contacted Radius Global Solutions and they said I needed a Fraud Affidavit before they could start the process of removing the account from my credit report. They did tell me that this was a collection from a XXXX Account, tied to a phone number ( XXXX ) I have never had. I have never used XXXX. On the credit report, I also noticed that my current address and my husbands current address were both incorrect, so I concluded that this collection account was improperly placed on my credit report.I have been at the same address for 60 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX were XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CO XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX .... Balance XXXX - ; XXXX XXXX & XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX  XXXX  XXXX  XXXX Balance : {$5500.00} ; XXXX/XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX  
FCRA Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) XXXX ... XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX XXXX regarding information in my Transunion report that I had three late payments. XXXX XXXX XXXX. XXXX XXXX Credit Bureau Resolutions reviewed my account and on XX/XX/2023 sent me a letter showing that I have no late payments. 

I would like Transunion to correct my credit report.
Product: Mortgage

I was in the process of refinancing my home. To do so I would need to either pay off my HELOC or have the loan subordinated, which was my preference. When my new lender XXXX XXXX XXXX XXXX contacted Bank Of America, they were informed that my request for subordination was denied. Neither XXXX, nor I, received a satisfactory reason for the denial, although when I contacted BOA I was told approval depended on the new bank (? ). As a result, I then tried a second bank ( my current lender ). When XXXX XXXX XXXX contacted BOA, they too were told the subordination was denied and advised by XXXX XXXX XXXX that I should contact BOA to see if I might be more successful. BOA wanted documentation from me that I could not provide, but told that XXXX XXXX XXXX might be able. So back and forth I went. After several discussions with XXXX XXXX XXXX, I was basically told they could not supply the information BOA wanted. As a result, if I still wanted to refinance, my only option was to pay off the HELOC. Therein begins the actual complaint.

When the title company received the payoff statement from BOA, a {$450.00} " early closure fee '' was applied to the payoff amount. I have since contacted BOA asking that the fee be waived, since they forced my hand into closing the loan. After several calls and much yelling and screaming on my part, and always being told they could do nothing about the fee, I reached employee XXXX. After getting nowhere, I forcibly told her I wanted to speak to a supervisor. I was told none were available ( a typical Covid 19 response these days ) and was placed on hold. After several minutes on hold, XXXX came back and said she " filed a complaint on my behalf and a supervisor would call me back within 48 hours '' ( my call was placed XX/XX/2021 ). For what it was worth, I felt that I made progress, as previously, I was told that a supervisor for the equity loan department did not exist. Imagine that!! Could that even be possible? I was given a case number : XXXX. ( I was informed that the first three sets of numbers represented the year, month and date of the complaint ). I have yet to be contacted by a supervisor, or any one else from BOA!!
Product: Credit reporting or other personal consumer reports

My identity was stolen and someone fraudulently rented an apartment in my name. I submitted a dispute with Trans Union and they verified it as accurate. This information is fraudulent, I did not rent this apartment and now have an eviction on my credit report. I lived in another state at another apartment during the time they claimed I lived at the fraudulent address. I have verifying lease agreements and W2s proving I did not live where they say I did as well as an identity theft report through the FTC. I may face homelessness because of Trans Unions lack of a thorough investigation.
Product: Money transfer, virtual currency, or money service

XXXXXXXX PayPal closed my account for no reason and trying to steal my money.

If i contact support they just say the same thing over and over again and doesn't listen to me.

PayPal is famous for doing this.
Product: Debt collection

These accounts do not pertain to me at all. Please have them removed from all 3 credit reporting agencies. Please see below the list of accounts : 1. Identity Theft XXXX Account number : XXXX This is not mine. 

2.Identity Theft XXXX Account number : XXXX This is not mine. 

3. Identity Theft REMEX INC Account number : XXXX This is not mine. 

4.Identity Theft REMEX INC Account number : XXXX This is not mine.
Product: Debt collection

( National Credit Adjusters po box XXXX - XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX ) Has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

15 U.S. Code 1692e - False or misleading representations
Product: Credit reporting, credit repair services, or other personal consumer reports

Refer to case # XXXX. Update : at my request due to distrust with Discover ( 30 year customer ) it has been found the issue was with them never changing the address and have notations as I do with all accounts showing address change request etc. After many months and hours and a file over an inch thick, XXXX XXXX XXXX has ask me to send him the information showing the address change exercise ... ..with so many hours in and conversations I first was not going to waste my time but have decided to do that and will before year end. Account has been closed at my request and notified all the credit reporting agencies, but ... ... my FICA score was never changed back and apparently from what I have been told, can never be changed even if it was not my fault! Now I am wondering with what has been discussed with the CFPB they protect the company, not really the consumer based on information recently discussed on TV from the 2008 leadership? I will also tell you this whole issue ( so XXXX looking back ) was presented and will continue to be presented to consumers and have been told a few have already contacted Discover telling them they will no longer use their accounts. This whole issue has been so disturbing and has awakened so many people ... ... ... a 30 day late payment in 30 years was given to credit reporting agencies when in fact that issue was Discover 's problem being they never changed the address! Consumer suffers. That is wrong, someone is protecting someone!
Product: Mortgage

1. The Closing Disclosure is wrong and inaccurate it does not account for the Items pre-paid by this buyer/borrower of which both invoices and canceled checks have evidenced those payments for : WDO inspection, Water Test, Survey & VA Appraisal Made by the buyer/borrower who is an unrepresented XXXX individual. ( as per SSA & VA ). 
2. And the lender appears to not be willing or able to take or accept delivery of and payment of two ( 2 ) advanced payments [ for XX/XX/XXXX & XX/XX/XXXX ] and is inasmuch instructing this borrower to make said payments payable to ( XXXX ) a subsequent [ not yet transferred to ] service entity for the pending ( set to close on XX/XX/XXXX ) mortgage.
Product: Mortgage

We purchased our home in XXXX XXXX. Purchase price was $ XXXX. We were persuaded to use a XXXX interest only loan from our mortgage broker with Wachovia Bank ( now Wells Fargo ). The interest only loan is at a rate of 7.125 % ( Balance as of XXXX XXXX {$260000.00} ) and the home equity loan is at a rate of 9.34 % ( Balance as of XXXX XXXX {$61000.00} ). We have reached out to Wells Fargo several times in the last couple years to refinance and was told that since our home is underwater they could not help. In XXXX XXXX we had a baby girl and around the same time my husbands career permanently changed and caused a reduction of monthly gross income of $ XXXX per month. During that time we used up all assets including liquidating my IRA to cover monthly expenses. In XXXX XXXX we reached out to Wells Fargo seeking assistance to modify our home loans. 

At this point we 've asked them to combine both loans into XXXX new 30 year mortgage that we can afford and keep our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Date XX/XX/2020
Product: Debt collection

XX/XX/XXXX I informed this company they had the wrong person and since then that have continued to report to multiple bureaus. I even sent multi reports through fax as provided proof
Product: Checking or savings account

I have a difficulty with a purchase made from XXXX XXXX through " XXXX ''. I bought a ticket ( On XX/XX/XXXX ) with the date I needed but in less than a month of my trip I receive an email saying that the trip is no longer enabled that I have choose another date. But that is not possible for me since it was necessary to travel that same day, in addition to other connecting trips that I already had scheduled. I call the agency and they tell me that there are no more options, so I decide to ask for a fair refund of my money. The next day, XX/XX/XXXX, I receive a new email saying that my return is not possible. That I must communicate directly with the airline " XXXX '' but since that day I have tried to access communication with them and it has not been possible. I filled out a refund request from their page and so far I have not received any response. I feel that I have lost my money and it does not seem fair to me since I had to buy a new ticket even more expensive than the initial one. I go to this option to help me from my bank to recover the money. I attach a photo of the emails received. 

In the last screenshot you can see that my reservation is stoped and they haven't done anything so far.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX XX/XX/2024 My Information was bought and sold illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effect immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach, and Equifax has failed to remove all requested accounts. Please help me delete these illegal accounts from my credit reports. 

Those accounts being. 
- XXXX XXXX bank XXXX - - XXXX XXXX XXXX - - Credit XXXX bank XXXX - - XXXX store XXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was a settled account back in XX/XX/2021 after numerous attempts and uploading proof and requesting the information to be blocked since JPMCB would constantly furnish innacurate information. i proceeded to request that they ( credit reporting agency ) respect and abide by the FCRA and they refused. even after having proof that the items had been paid, receipts and settlement paid letters as proof and account closed. numerous times i was dealt with bias and refussa to uphold the law. i am requesting that the item be blocked from further reporting on my credit file since they are unable to furnish a truthfull accounting of this debt.
Product: Credit card

My car was stolen on XX/XX/2023, and I have a rental car from XXXX. My XXXX XXXX Insurence paid for my rental but I need it to provide XXXX with my credit card. After returning the rental car at the end of XXXX I was charged by XXXX in XXXX on my credit card {$240.00}. When I called XXXX they told me that they can do anything about so I started a dispute on my credit card. On XX/XX/XXXX I received a letter to sign that I didn't authorize this charge. I emailed Citi credit card on XX/XX/XXXX, then I called them around XX/XX/XXXX and they told me they needed to process my documents. Then I waited and at the beginning of XXXX I called them back this time they told me that they did receive my letter so I ended another one on XX/XX/XXXX. After that, I called them on XX/XX/XXXX and they told me my case was closed and they couldn't resolve my dispute because I was late with my signed letter. On XX/XX/XXXX I got an official letter that I needed to pay {$240.00}. 
I followed all that they asked and I am not responsible for their unprofessional way of dealing with customers. 
Please help me resolve that problem. 
I had so many problems from this thief who stole my car.
Product: Mortgage

My husband and I have an escrow account surplus of {$2100.00}. We are current on our mortgage. We are in XXXX  XXXX bankruptcy. Freedom Mortgage REFUSES to release our escrow surplus amount to us until our bankruptcy discharges. I have looked at the law and as long as we are current on our mortgage payments they can not hold the check.
Product: Checking or savings account

Over {$2000.00} was took of my card, on XX/XX/XXXX, I contacted cash app, & no one ever got back to me on the issue, I asked to speak to a live agent & no one ever got back to me regarding this claim. 
Complaint # XXXX XX/XX/XXXX Subject : Unauthorized Double Charge {$200.00} Phone Bill On XX/XX/XXXX, I attempted to pay my phone bill for {$200.00}, but Cash App charged me twice for the same transaction. I immediately contacted customer service through the app and email, but I never received a response. There was no option to speak with a live agent, and my refund was never processed. 
This is completely unacceptable. I need my {$200.00} refunded immediately. The fact that your company refuses to provide proper support is beyond frustrating. I demanded an immediate refund and a response from an actual person, not automated messages that lead nowhere. 

I had a {$500.00} direct deposit scheduled for XX/XX/XXXX, but only {$250.00} came through. I waited to see if the rest would arrive, but it never did. I immediately contacted support, only to receive no response. There was no way to talk to a live agent, and I kept getting ignored. 

To make matters worse, instead of resolving my issue, Cash App closed my account entirely. Now, not only am I missing {$250.00} from my direct deposit, but I no longer have access to my account at all. This is absolutely unacceptable, and I demand answers. 

If Cash App is stealing money from customers and ignoring their complaints, this needs to be investigated.
Product: Credit reporting or other personal consumer reports

Equifax has mixed my credit report with another person. I have disputed this several times in the past year. The company will fix the error temporarily, but the other persons information keep returning after Equifax closes the dispute in my favor.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  with account # XXXX, XXXX XXXX XXXX  with account # XXXX, XXXX XXXX  with account # XXXX XXXX  XXXX XXXX with account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC16811 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me 15 USC 168 In & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
These Accounts have violated my rights according to FCRA : I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.