23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was on XX/XX/2016 Discover XXXX XXXX, DE XXXX ( XXXX ) XXXX A credit inquiry was performed, and I did NOT authorize it. 
I notified the company, and they claimed they did not see it on their end. XXXX XXXX gave me the run around on removing the inquiry from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act These Accounts have violated my rights. 

XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX date opened XXXX  XXXX XXXX. XXXX XXXX date opened XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX. credit limit XXXX XXXX XXXX XXXX XXXX. XXXX credit limit XXXX XXXX XXXX  XXXX XXXX. XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX. XXXX {$6800.00} US DEPT OF EDXXXX. XXXX {$99000.00} US DEPT OF EDXXXX XXXX XXXX. {$17000.00} US DEPT OF EDXXXX XXXX XXXX {$27000.00} US DEPT OF EDXXXX XXXX {$17000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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 an account without my written instructions.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

I need your assistance with this erroneous account on my credit report. This issue has harmed my reputation, and I need your support.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company name first advantage I applied for XXXX in the past and I have been hired the two times first advantage  has reported my background check they have violated the 7 year background reporting and theres a mistake on one of the cases for my suspended license I paid my fine and I never got a misdemeanor I have the paperwork from the courts for my other misdemeanor for XXXX that was 13 years ago its past the limit is in my state with I reside in XXXX I paid my fines and completes classes I have court documents therefore they are not to disclosed anything past the limits the date for that court filling was XX/XX/2008 I had already disputed this with them many times I have worked for XXXX since XXXX was rehired three times and two of those times first advantage has done my background and other companies have also done my background in the state of XXXX  XXXX has done my background for XXXX  and Ive never had an issue. First advantage can not disclosed something I dont have to disclosed because of statue of limitation laws
Product: Payday loan

I was charged fee 's and interest I did n't know about. I did n't have a good job at the time. After I got laid off i paid the account off but they have it reporting to the agency charged off instead of paid in full.
Product: Credit reporting or other personal consumer reports

Basically I sent paperwork to the credit bureaus on XX/XX/year> asking for debt validation. As of today, I haven't received or got a response back so I'm filing a complaint against the credit bureaus to try to get this matter taken care of. I would like for these incorrect items to be removed immediately.
Product: Credit reporting or other personal consumer reports

In XXXX i found out that i was a victim of identity theft. The only person that i could think of that could of opened that many credit card accounts without my knowledge would be my ex husband. He kept alot of information away from me. I followed the instructions the bureaus gave me, but they only removed half of the fraudulent accounts. So here i am again trying to get this fixed.
Product: Credit reporting or other personal consumer reports

The hard inquiries listed on my credit report are unauthorized and contradict 15 USC 16c-2. Please correct this by removing the inaccuracies.
Product: Debt collection

Action demonstrated on the Org Date XX/XX/XXXX first contacted by XXXX XXXX XXXXXXXX XXXX XXXX on behalf of XXXX XXXX XXXX for {$950.00} Tribal loan? 
XXXX XXXX wouldn't mail me any validation of debt, I requested any " history information or bank information nothing was ever mailed to my address, but more calls from XXXX XXXX. 
I requested a copy of the contract agreement to be sent and nothing ever was sent to me once I filed this complaint. 
I sent a letter back to the Clearview XXXX XXXX regarding the same " debt '' that XXXX XXXX is trying to collect on. 
Then on XX/XX/XXXX I get a email from XXXX XXXXXXXX, XXXX, Status : Verification of Debt Account ID : XXXX Original Creditor : XXXX Open Date : XX/XX/XXXX NSF Date : XX/XX/XXXX Current Balance : {$950.00} I sent this email back to On Mon, XX/XX/XXXX, XXXX PM XXXX XXXX XXXX wrote : One last note I was a victim of Identity theft about 5 years ago. 
I placed a " fraud '' alert with the credit bureaus. I have never heard back from anyone until I got a " credit report alert from XXXX that " XXXX XXXX XXXX " place a collection of {$950.00} on my report. 


Actions taken by Me : I contacted the Division of Consumer Finance Office of Financial Regulation, in XXXX FL to ensure my rights as a consumer isn't being violated and my credit isn't damage from what the calls from XXXX XXXX indicated would happen and other ' threats '' XXXX XXXX, Financial Control Analyst was my Examiner of the complaint Complainant Name : XXXX, XXXX Complaint Number : XXXX Complaint Regarding : XXXX XXXXXXXX XXXX XXXXXXXX Examiner Name : XXXX, XXXX A Status : Closed Complaint Regional Office : XXXX
Product: Mortgage

Had a mortgage with wells fargo, about 2010. They said i qualifyed for a reduced payment. After paying for months they said i didn't qualify and had to payback the differerence in payments.Lost home because they foreclosed on my home.
Product: Checking or savings account

Dear CFPB : Please help. 
The following has occurred with Wells Fargo bank Checking account ( 1 ) The bank has unilaterally and arbitrarily assigned limitations of fund transfers including wire transfer within the United States of America and to other Wells Fargo accounts ( 2 ) The bank refuses to resolve and or lift restrictions ( 3 ) The bank imposes unreasonable requests : a. Going to ATM b. Locking out online c. Demanding to go to branches d. Foreign non-native English speakers in non-US-jurisdiction countries to handle account data and management ( incremental risk created by the bank ) e. The bank outsources data operations to unverified third parties like XXXX ( unregulated data, lacks privacy, bad data, and mostly bias ) We have been trying to send funds to a University for a XXXX degree. The bank has delayed, prevented, disrupted, and or/demanded unreasonable requests. Moreover, failed to disclose why and any legal grounds does the bank to withhold and/or prevent transfers to another bank of over {$5000.00}. 
There no law in the US that demands a BANK impose its own jurisdiction over deposited cash funds for self-interest. The account holder has not verbally or in writing agreed to impose this financial restriction on the account. 
Wells Fargo has a rogue history of discrimination against minorities and imposing artificial barriers to transfer funds including assigning risk onto accounts based on XXXX demographics. This violates the American and international law, norms, and values, notwithstanding unethical and illegal banking practices. 
The cost of travels to a branch and time, with the risk of penalties for failing to make timely tuition payments, is unacceptable, thus the cost must be passed on to the bank. 
In regards to human toll and the experience : my mother is in a wheelchair, she needs me to be at home and with her. I can not make extra travels to the bank just so they can prevent me from transferring my own money. My opinion is that American banks operate much a criminal cartel syndicate than reasonable economic stakeholders and partners to the American people. I am also being extorted amounts of {$30.00} for wire transfer, notwithstanding emotional stress as the cost for gas and time of travel. My mistake? depositing my funds with Wells Fargo. This mimics XXXX era financing and banking practices. Anyone with a Ph.D. degree on XXXX finance and banking laws and its restrictions on undesirables will be able to draw inferences and similarities to the banking cartel operating inside the US. 

Thank you
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfers

After deciding to pay for an international wire transfer from my online BofA checking acct. instead of using my debit card in order to avoid a 3 % of total amount per scheduled fee ( about {$200.00} ), I submitted an amount XXXX ( XXXX ) quite aware that the foreign exchange rate the bank used might be less favorable to me than around XXXX {$5700.00} ( via XXXX inquiry at the time ) but was totally shocked with over {$5900.00} and an untimely advice that " Bank of America, N.A., may make money from the foreign currency exchange. '' This figure was n't shown until after a warning in the submission form that the exchange rate ( whatever that was XXXX would only be valid within 10 minutes so I had to hurry up and subject myself to whatever extra charges they could get away with. No international wire fee XXXX {$35.00} XXXX and no exchange rate transparency nor disclosures before submitting the form! Customer beware!
Product: Credit reporting, credit repair services, or other personal consumer reports

To my dismay I noticed an erroneous reportings on my XXXX   credit bureau for myself, my Dad and my Mom for a fictitious .I called a representative at Shellpoint Mortgage Servicing customer service number, she indeed confirmed this was an error and confirmed the following details : The loan was originally with XXXX XXXX , it was scheduled to transfer to Shellpoint but never transferred because the truth of the matter is my Dad refinanced from XXXX in XXXX of 2019 with no delinquencies prior and neither me or my Mom were even on the loan when XXXX was the mortgagee. I dont know how my mom and I were even on XXXX record. The loan NEVER hit your portfolio yet has been reported 120 days delinquent on all three of our credit bureaus!!! Which caused our credit rating to decline between 25-50 points each. I myself noticed this because I was in the process of applying for a loan and was denied! I have spent several hours calling and holding to speak with your company and representatives at the credit bureau to dispute this item on all of our credit bureaus. Such negligence should not have take place and it has cost us as consumers. The other thing that concerns me greatly is that, neither my Mom, Dad or I never received any correspondence from Shellpoint, or XXXX about any mortgage transfer to our residence. Please remove this erroneous reporting from all credit bureaus for all parties involved immediately. I also confirmed on a secondary phone call to Shellpoint, they has now transferred said mortgage to another lender, they couldnt tell me who, that now has our personal information and shouldnt. Shellpoint is hindering our ability to get other lending transactions approved. I would like a letter mailed to each of us with resolution.
Product: Debt collection

an auto pay set up for services. 
The costs of services XXXX 2019 - XXXX increased significantly XXXX XXXX the service cost doubled and I was never notified of increases, funds were extracted out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORGINALSIGNED CONSUMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME. UNDER THE FCRA ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR .COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNT MUST BE REMOVED. EQUIFAX, XXXX, XXXX  HAVE NOT GIVEN ME VALID PROOF AS INSTRUCTED. AS RESULT OF THIS CONTINUOUS REPORTING OF FRAUDUELT UNVERIFIED ACCOUNTS. THESE ACCOUNTS WERE OPEN BY A THIEF AND NOT ME.
Product: Debt collection

I have closed this account from bank now keep getting the same latter. Own them Money. Kindly scam
Product: Credit card or prepaid card

After receiving my three ( 3 ) Annual Credit Reports, I discovered that Chase Card Services had flagged my decades old account ( which was never reported negatively ) with a late payment in XX/XX/XXXX.

As such, I contacted the Credit Bureau Support Unit ( CBSU ) of Chase and an investigation was commenced centering around the XX/XX/XXXX period of time. During this period, I was experiencing severe financial hardship due to loss of employment and a reduced pension allowance. I was in telephone contact at least twice in XX/XX/XXXX with Chase Card Services in an attempt to remain in good standing with my payments and requesting relief.

Chase contacted me on XX/XX/XXXX via telephone and explained that one of our telephone conversations had been transcribed from XX/XX/XXXX ; however, only one conversation was eligible for transcription. The reason for this arbitrary and capricious policy was not articulated. The conversation that was transcribed revealed that I was instructed to make ANY payment in order to keep the account current and such action would not impact me negatively. I understood this direction to mean my account would continue to be reported in good standing. Chase 's view of this direction was explained to me as only being advice and not meant to convey favorable reporting of the account. Indeed, a later conversation in XX/XX/XXXX would convey the same direction, but alas Chase declined to transcribe both contacts.
Product: Student loan

NOTE- this is separate from my other complaint with the CFPB re: FedLoan, that is currently in progress. 
On XX/XX/XXXX I logged into my FedLoan account to schedule my XX/XX/XXXX payment (due XX/XX/XXXX). My account stated that my account was overdue. Confused (I pay my monthly, income-driven repayment amount of $XXXX each month), I read further. A random amount of $XXXX was applied to my account. This makes no sense- I am in the Public Service Loan Forgiveness Program (PSLF), meaning I pay each month through the income-driven repayment plan, which is determined annually when I submit paperwork. Last year, based on income and family size, my payment was determined to be $XXXX/month, XXXX - XXXX. I have no clue where $XXXX came from, and it was never reflected on my monthly billing statement. I called on XX/XX/XXXX and spoke to XXXX (employee # XXXX). She shared my confusion; she put me on a long hold and tried to determine where this charge came from, but couldn't determine it. She stated it was 'odd' and she hadn't seen a charge be randomly applied. She firmly stated that I pay the correct amount (for XX/XX/XXXX, it is $XXXX, and in XX/XX/XXXX my new income-drive repayment plan based on my recertification paperwork will be $XXXX, effective XX/XX/XXXX - XX/XX/XXXX). She advised me to pay 'what I actually owe based on my income-driven repayment plan' and she would put a note in the system. She also said she would send it to investigations. As of today (XX/XX/XXXX), my account is 18 days past due. I received a notice of my delinquency. I called FedLoan again and they said it was still in investigation, and that bad credit reporting won't occur until 90 days. They again reinforced that I should pay what I 'actually' owe and that the mysterious $XXXX should be resolved in 90 days. I am concerned it won't be- I have very good credit, and have worked hard for that score. I am mindful of all bills and have never paid a bill late, FedLoan and others. I do not want my score to be harmed by this issue with FedLoan. The employees cannot explain how this random charge dropped on my account, but they assured me it will be removed. I, however, have experienced multiple issues with FedLoan, particularly in the past year. I am very concerned. XXXX, the employee I spoke to on XX/XX/XXXX noted that my account appeared 'perfect,' meaning I always submit required paperwork on-time and pay my monthly bill. I am very concerned this account will harm me, despite doing everything right. I fear as I approach the end of 90 days, I will be forced to pay an amount I don't owe, or face a ding in my credit score. This isn't right.
Product: Mortgage

Applied for a usda home loan and the loan officer never got back to me with an answer wether I was approved or denied. I made several attempts to reach out to the company and no one responded. Company ran my credit and obtain all my personal documentation and its been a month since I applied.
Product: Credit card

Well, I have filed a compliant against Bank Of America and the Bank issued a responsewhich I did not accept, since it is improper and requires a detail analysis to convinceme or the CFPB. I paid a total of {$1600.00} to date and the Bank gave me a credit of only {$370.00} out of the original balance of {$2000.00}, Pleas find the attached payment historyfiltered from online XXXX Payment database and also compare the response the BankOf America wrote me, ( since the file size was too large I could not upload it ) so please request a copy from Bank Of AmericaI think the Bank is still did not want to accept a wrong doings of an amount that is $ {$1200.00} which should be returned to my account. 
Therefore I demand The CFPB, to request back full return of My money, Restore mycredit History, Which I could not refinance as a result my home Mortgage and I alsowant CFPB to Forward this case to a civil Right lawsuit lawyer and Federal agencyto file a lawsuit against the bank to get me proper all possible compensation and alsoopen a selected and relevant case of other consumers regarding Credit and MortgageImproper handling and gaining unfair and Unlawful advantage, and also I kindly want to inform you that my credit score of XXXX were loweredfrom XXXX to XXXX which made Harder to get my Home Mortgage Refinance very HardAfter my complaint, and so please conduct a sample studyof Credit Bureau of a possible of giving Unfair advantage of credit and Mortgage to aspecific banks in some cases as well!!
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct.

You guys know its against the laws that protect us consumers to report any info or accounts that have-not been proven to be 100 % accurate!

In the FCRA I read that everything has to be 100 % accurate on my credit file under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate for this violation I can easily get {$3000.00} in a lawsuit against your company!! 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A lot of inquiries that I have not approve. With XXXX, experian and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting on there. This debt was paid off a while ago and they have not updated a single thing. I ask that they remove the balance from my credit file and stop affecting my credit.
Product: Debt collection

I received summon letters and tried to take care of the matter but life happened. My income taxes get intercepted because of the debt.