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

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, EQUIFAX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX BANK These accounts and inquiries are fraudulent , unverifiable , and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unknown inquiries with Equifax several times. I have also, explained to them that these inquiries are unauthorized and not mine. The only things that I have applied for are tied to accounts that I have. They stated that the inquiries will remain on my credit until they fall off, but they never stated how they properly verified these inquiries, therefore they should be removed from my credit report. I have also, contacted XX/XX/XXXX and they removed inquiries from my credit report as I asked. I have also, filed a theft report with the Federal Trade Commission. I demand that the following inquiries be REMOVED from my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

this complaint is about Wells Fargo Mortgage! Mywife was outof a job and our daughter just went away to college. We got behind on our payments, so I went through the process with Wells Fargo for a loan modification. During this time of the loan modification, I was told not to make any payments. After about three months I was denied the modification. I was told I could appeal the decision, which I did. Again, I was told not to make any payments during this appeal time. I was denied the appeal. This process through Wells Fargo put me behind on payments and now they have my mortgage in the ACTIVE forclosure status. I only did what they said and now I might lose my house. I believe the whole modification/appeal process is a scam! I even offered to make a payment and they said NO, it will be denied. But now they want to foreclose on my house. Please help!!
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion credit report, I discovered that incorrect personal information is listed, resulting in the appearance of fraudulent and unauthorized accounts. As a victim of identity theft, my information was used without my knowledge or consent, leading to these inaccuracies. Following TransUnions instructions, I filed a report with the Federal Trade Commission ( FTC ) and submitted the required documentation. However, despite my efforts, the fraudulent items remain on my report, negatively impacting my credit and causing undue stress.
Product: Credit card or prepaid card

I already filed a complaint to the CFPB and put a fraud alert on my credit report, and, despite this, Kohl 's STILL approved the credit card, where the person made expensive purchases affecting my credit score.
Product: Checking or savings account

So I finally got my unemployment checks from the pandemic. I was excited to open an account and use the money I so urgently needed. Once I try to transfer the money to an external account ... .they LOCK ME OUT OF MY ACCOUNT. No I am back at broke and 0retty much homeless now.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to respond to my dispute letter regarding inaccuracies on my credit report. On XX/XX/XXXX, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation into inaccurate items on my report. I also disputed incorrect personal information listed on my credit report. 

To assist TransUnion in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. Despite providing all the necessary documentation, I did not receive any response or investigation results from TransUnion. Subsequently, I sent another dispute letter to Transunion dated XX/XX/XXXX. Despite my clear and thorough request, I did not receive any response from Transunion with investigation results. 

According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as mandated by the FCRA. 

I am including a copy of my dispute letter sent to TransUnion and proof of delivery as evidence. I am now demanding that TransUnion immediately and permanently remove the disputed items from my credit report.
Product: Debt collection

Continuation of complaint XXXX CFPB did not take appropriate acti on for Barclays to cease attempting to collect a fraudulent and invalid debt. Barclays was sent billings for 2 years regarding the time spent of many phone calls and letters. The right of offset was exercised and Barclays was notified many times of those terms. The amount has been paid in full. The continued fraudulent activity has resulted in additional fees. Barclays fraudulently turning the amount not owed to a collection agency without providing the detailed correspondence for two years has resulted in additional fraud fees. The CFPB must take action to prevent further fraud by Barclays. You are not a pass through organization. Your responsibility is to take action against these banks in conjunction with other Federal Agencies. I expect the CFPB to do so immediately.
Barclays has continued perpetrated the frauds over many years. Someone must be charged, convicted and put in prison! We are a nation of laws. Without them marxism and lawlessness prevails.
Product: Checking or savings account

So on XX/XX/2020 I went into the Wells Fargo bank because I couldnt login into my account and I needed a new debit card. I came to find out that someone was using my account. And the lady told me that my account was considered a takeover. So I had them dispute 4 transactions with XXXX on the XX/XX/2020 {$500.00}, {$500.00}, {$1000.00}, {$500.00} And then there was over 6 transactions with XXXX XXXX XX/XX/2020 {$300.00}, {$300.00}, {$300.00}, {$250.00}, {$250.00}, {$250.00} and 3 more transactions with XXXX XXXX   on the XX/XX/2020 {$150.00}, {$150.00}, {$150.00} but they denied my claims. And I also told Wells Fargo that I wasnt even in town when the purchase were made. I offer to send them a copy of my airline ticket but they didnt care. And The lady also said that I could of planned it. And to stop lying because I was a XXXX and I was a theft and to go back to my country because I didnt belong here. They were super rude and XXXX to me. And I also got In contract with XXXX about the transactions and the reinsure me they had nothing to do with the transactions.
Product: Credit reporting or other personal consumer reports

XXXX has a fraudulent credit card reporting on my credit report and refuse to remove it
Product: Credit reporting or other personal consumer reports

I have been disputing the same accounts on my XXXX and Equifax reports for months and this is over 10th CFPB complaint between both Companies. They are reporting inaccurate information on my report. XXXX has deleted these accounts months ago. Per 15 USC Code 1681 e ( b ) CRA are to ensure the maximum possible accuracy of the information on the consumer report. I was a victim of Equifax Data Breach and I sent in my FTC Report to both Companies and will attach below. The accounts in question are to be deleted within 4 Buisness days which its been over a month so thats a violation of 15 USC 1681c-2 ( a ). Equifax and XXXX are also violating other consumer laws for example 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) and 1681 a-2 ( b ) where neither company looked beyond the information contained or consulted underlying documents to verify the inaccurate information. Neither CRA behaved reasonably nor did they acquire sufficient evidence to support any conclusions of my CFPB complaints. I have never received any documentation from neither company stating how the accounts were verified or results of a thorough investigation. I requested information on how accounts were being verified and received nothing via mail. THESE COMPANIES ARE VIOLATING MY RIGHTS AS A COMSUMER.
Product: Vehicle loan or lease

We have tried for 2 days to file a financial hardship extension due to Covid. We spent several hours both days XXXX XXXX XXXX  XXXX, 2022 trying to file a hardship. Its been exhausting. They kept saying they couldnt file it. We banked our loan with BBVA and they sold it to PNC without our permission. We were always able to deal with BBVA, but now its with PNC online banking we cant get anything done. We have been denied to talk with an executive who can make decisions. Their process to talk with a representative is nonexistent.We are still in a pandemic due to Covid.
Product: Mortgage

In XXXX of XX/XX/XXXXWe filed for chapter XXXX bankruptcy. In XXXX of XXXX we completed 3 trial payments for a loan modification. Loan documents were sent out to be signed. We never received the documents. Because we completed the trial payments I was under the impression that our modification was complete we waited to see what our new payment would be before making any more payments. I call every month to find out What our new payment would be. After nine months, I was told that the documents were sent to my attorneys offices and returned twice. At this point our home went in to foreclosure and a court date was set for us to have to move out and turn over the home. The date was set for XX/XX/XXXX. It was Seterus fault that we did not receive our documents by XX/XX/XXXX. They never contacted me to let me know the status of our modification and what we needed to do. When I called I was never given any information as to where my documents were. Interest in late payment fees were added into the loan and our loan has in creased by over {$100000.00}. When we bought the home in XX/XX/XXXXWe paid XXXX We put down XXXX we got a mortgage for {$340000.00}. In XX/XX/XXXXwhen the loan was transferred to Seterus our mortgage balances was approximately XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies and unauthorized items reflected on my credit report. These items violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable credit laws, which ensure the accuracy, privacy, and security of consumer credit information. Additionally, I believe these errors may be connected to recent data breaches that compromised my personal and financial information, resulting in unfair credit exposure. 
Disputed Items : 1. Negative Items : The following negative entries are incorrect please REMOVE THESE ITEMS FROM MY CREDIT PROFILE XXXX XXXX XXXX XXXX  Account XXXX ( Charged-Off ) XXXX XXXX XXXX  Account XXXX XXXX Charged-Off ) XXXX XXXXXXXX XXXX Account XXXX and Account : XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX Grounds for Dispute : Under Section 605 of the FCRA, credit reporting agencies are obligated to : Ensure all information reported is accurate and verifiable.

Remove or correct outdated or unverifiable information ( older than seven years, except for certain bankruptcies ). 
Protect consumer credit files from unauthorized access. 
I believe these inaccuracies are a direct result of the credit breach that exposed my sensitive information. I have taken steps to secure my identity, including filing reports with law enforcement and placing a fraud alert on my credit file. I have also enclosed the following documentation to support my request : Legal Compliance : As part of your investigation, I request written confirmation of your findings and any actions taken. I expect these disputes to be resolved within the 30-day period stipulated by the FCRA. Please be aware that failure to comply with these requirements may result in additional complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action.

Detailed Investigation Report : Provide a detailed explanation of the outcome for each disputed item, including any supporting documentation used to verify the items. 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute by [ insert preferred communication method : email/phone/mail ]. Should you require additional information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 
I look forward to a timely resolution of these issues. 
Sincerely, XXXX XXXX
Product: Debt collection

In XXXX 2019 I was in a car accident and the other lady 's insurance was supposed to pay my medical costs as well as my daughters yet it is shown as in collections on my credit and I should only have one medical bill on my credit from 3 years ago
Product: Student loan

When I enrolled in XXXX XXXX  XXXX, I was told by my lender ( FedLoan ) that my loans must be placed in " XXXX  '' status even though I was to begin payments. During this time of forbearance, I could have been making payments toward my previous loans toward my PSLF. I was in grad school from XXXX to XX/XX/XXXX which would have accounted for many payments toward forgiveness. I have XXXX  in the XXXX XXXX for 25 years and 10 years during this period of forced XXXX forbearance. I am learning now that this was not required and that I could have had my loans in repayment. I trusted the representatives to give me the correct information concerning my loans which they obviously did not.
Product: Debt collection

I am writing to file a formal complaint regarding the actions of CREDIT MANAGEMENT LP in relation to an alleged debt they claim I owe. Despite numerous requests, CREDIT MANAGEMENT XXXX has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection entry on my consumer report. Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is evident that CREDIT MANAGEMENT LP are violating my consumer rights by employing false, misleading, and deceptive means in their collection practices. The collection agency has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). I dispute owing all debts to CREDIT MANAGEMENT LP and demand that they cease all communication with me via email, text, or phone calls, as I am exercising my rights to revoke these forms of communication under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request that CREDIT MANAGEMENT LP provide : 1. Debt validation, including detailed information regarding the alleged debt, the original creditor, the original account number, and any documentation supporting their claim. 2. The purchase agreement between CREDIT MANAGEMENT LP and XXXX XXXXXXXX XXXX to establish the validity of their claim. Provide a copy of my signature in personal agreement that allows CREDIT MANAGEMENT LP to purchase this account and begin to report the debt to my personal consumer report. As well, I am requesting this contract between XXXX XXXX XXXX and CREDIT MANAGEMENT LP, because it will state CREDIT MANAGEMENT LP purchased this debt with the knowledge of this account not being 100 % accurate or following the XXXX bullet points of compliance that are in place by the XXXX, which threatens the integrity of the bureaus. XXXX. Furnish proof of licensing and bonding to operate as a debt collector. XXXX. A copy of certified mail receipt. I am unaware of this debt ; I did not properly have an opportunity to dispute this information. I did not receive proper communication. If in fact, if CREDIT MANAGEMENT LP believes they have provided proper notification. I am requesting you provide the receipt of certified mail with my name on it as well as my signature stating that I have properly received this information
Product: Student loan

Sloan Servicing from Nelnet This website FREQUENTLY will not allow me to login - the webpage times out, or just becomes a blank screen, or simply tries to load. Or simply never loads. This has been happening for months. It caused me to miss a payment, and by the time the website worked, I was charged a late payment fee. I would have called them, but could not locate a phone number that would take me to a live person.
Product: Credit reporting or other personal consumer reports

credit card from XXXX XXXX doesnt belong to me on my credit report they wont remove it saying its mine dispute 3 times already
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Consumer Loan

I bought car financed by Quality acceptance have been making payments on car since XXXX 2016 received a call from XXXX from Quality telling me I was up 3 months behind in my payments and I needed to pay almost {$1000.00} to her immediately or they would be possessed the car. I have verification that I 've been paying the car note each month which I will send to your company and I 'd like for you to investigate my complaint
Product: Credit reporting

My account status for XXXX XXXX is labeled as transferred when in fact it has been Paid through a collection agency but has never been updated as so. This is affecting my credit because it appears as though there is still a balance owed AND it is being reported on my credit report XXXX with the exact same account numbers. The second page of my attachment has the letter stating this account has been PAID.
Product: Credit reporting, credit repair services, or other personal consumer reports

/I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately Creditor : XXXX XXXX Account number : XXXX XXXX Bal : {$15000.00} Creditor : XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$320.00} Creditor : XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$610.00} Creditor : XXXX Account number : XXXX Opened : XXXX Bal : {$2600.00} Creditor : XXXX XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$17000.00} Creditor : XXXX XXXX Account number : XXXX XXXX Bal : {$250.00} Creditor : XXXX, XXXX  Account number : XXXX Opened : XX/XX/21 Bal : {$260.00}
Product: Money transfers

Ordered paintings, used paypal as payment method. Paintings arrived XXXX month later damaged. Paypal awarded claim XXXX {$.00} XXXX month later paypal decided in sellers favor and took XXXX $ out of account without explanation, when I tried to fight back that paintings arrived damaged and seller already claimed insurance via USPS my claim was denied. Paypal buyers protection policy is a joke.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint today as a follow-up to my last complaint dated XX/XX/XXXXXXXX This is to ensure that the upcoming update I am scheduled to receive within the next 15 days will reflect an updated credit report with a clean slate, free from inaccurate personal information and unauthorized inquiries. I am reattaching my FTC report # XXXX for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I started off with a low interest rate on my Capital One Card. They have now increased the 32.99 % when my balance went up making it impossible to pay my balance off. It's ridiculous they're taking advantage of lower income households during this struggling economy.
Product: Mortgage

I have applied for Loan Modification for my house at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they stated that they can not approve it because I dont have a default payment. Wells Fargo CSR told me not to pay my mortgage payment in order to have a default payment and get approved. However, when I started not to pay my mortgage, they always telling me to wait and faxed them some documents. Every time I called them, they stated that its not approved yet and asked for more documents as they did not receive it since I faxed it inside Wells Fargo Bank. Until I missed paying 8 months, then they told me that they will foreclosure my house on XX/XX/XXXX. 
My sister told me that she knows a Real Estate Agent by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who handle Loan Modification through their Attorney. I negotiated with them and paid them. They wrote a letter to Wells Fargo and they gave me a trial period of three months, paying {$1900.00} to Wells Fargo to avoid the Foreclosure. I started paying WF on XX/XX/XXXX ; however, Wells Fargo returned our payment for XXXX as they told me that the house was foreclosed. My attorney tried to negotiate but he failed. Wells Fargo foreclosed my house on XX/XX/XXXX.