23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have reviewed my report and identified inquiries that I did not authorize, and I request an investigation into their legitimacy. If the inquiries can not be verified with evidence of my consent, I request that they be removed immediately. 
Below are the details of the inquiries in question : Company Name : Designed Receivable Solutions Date of Inquiry : XX/XX/year> Amount : {$900.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. If these inquiries can not be verified as authorized by me, I request their removal. 

Thank you for your time and attention to this matter. I look forward to your response and resolution within the 30-day period required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My wife and I have sent 2 letters already disputing some items on my credit report and I have not gotten any response or results in the mail. Why is that?? I am working towards buying a home and need these items resolved. I sent a letter on XXXX and also XX/XX/XXXX by us mail. I just faxed one as well this week hoping to get a response. 

Here are the things I am questioning : 1. XXXX XXXX - XXXX - XXXX, XX/XX/XXXX and XX/XX/XXXX late payments don't match across the bureaus. Please confirm the payment history is correct. Please remove this. 
2. XXXX - XXXX - Late payment listed in XXXX XXXX. I don't think that's accurate. I was never late. I believe this is an accounting error. Please remove. 
3. XXXX - XXXX - I do not know who this company is. Please delete. 
4. XXXX XXXX - XXXX - High balance, balance owed & past due does not match on all credit bureaus. Investigate payment history and delete from my record. 
5. XXXX - XXXX - Why is there a high balance listed on this? Cause there shouldn't be. Please delete. 
6. XXXX XXXX XXXX - XXXX - this is the first time i am seeing this. delete this from my report! I never received a notification of this before this ended up on my credit report! 
7. XXXX XXXX XXXX, XXXX XXXX, TX XXXX - I don't live here. Incorrect address. Please delete. 
8. XXXX  - I don't work here. Please remove this. 
9. XXXX XXXX - Please remove this. This is not my employer.
Product: Student loan

I applied and received a student loan from XXXXAES. My husband was the cosigner and the only one with income. He was receiving Military retirement and XXXX. He passed away on XX/XX/XXXX. I am unemployed and have been since XX/XX/XXXX. I have spent the last 10 years taking care of my husband. At the present time, I have limited income and not able to make payments. Since I have been out of work for so long I am having a hard time finding employment. I contacted AES they were going to send me a form to complete and return to them for forbearance. I never received the form. I would appreciated any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX through XX/XX/XXXX I have been attempting to contact Equifax and XXXX to place a freeze and fraud alert on my credit report. Their websites continually do no load and/or process the request. Contacting via phone is always automated and at the end states " system is not available ''. When trying to contact an agent I receive a " busy '' signal. The automated prompts then indicated there is a freeze on my credit report, however failed to provide a pin to release it. 

There has been an egregious violation of protection of NPPI by these entities and an apparent deliberate attempt to taper or slow down volumes given their business model. Given the type of information they use, sell and profit from, they must have controls in place to effectively mitigate these types of risks. They clearly do not. Not only is this the fault of the company, regulators have failed the public as well given the lack of oversight of this industry.
Product: Checking or savings account

Wells Fargo has been mailing several mediation request forms to my address, two were received so far, both closed out as duplicate due to prior mediation from several years ago.. Claim ID XXXX closed out by XXXX XXXX, mediation claims manager, another case ID closed out as well which I do not have number of. Wells Fargo sent these forms due to unresolved damages from accounts opened by Wells Fargo reps which I did not request, did not want, under the premise to used for bill pay when only one account is needed for such service.. At the time, I already had a Wells Fargo checking account open, did not need another. Damages from these unauthorized accounts sustained to this day, was offered a remedy payment amount of {$3700.00} in XXXX of XXXX by XXXX XXXX, nothing received to date. The total amount including IRS taxes is XXXX It appears payment was sent to my old address, which was not verified, after I moved in XXXX of XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. Payment was sent via XXXX with no signature to address in XXXX after moving... Please note, this information was explained in numerous prior CFPB complaint regarding missing payment, Wells Fargo reps insist they're replied in, in which case their replies refer to check as cashed which was fraudulently and also explained in prior CFPB complaints.. Needless to say, this issue was not address due to fraudulent check cashing... Further note, the estimated number of complaints filed since XXXX of XXXX is around seventy or more... It appears Wells Fargo has reverted back to sending mediation request forms which are now being closed out as duplicate, despite no payments received to date.
Product: Credit card

Between XXXX and XXXX I had 28 fraudulent charges ( totaling {$160.00} ) on my card ... ... ..all with the same merchant name. I talked to XXXX and used their online tool to check for charges to my card number and they did not show any charges. I reported this activity within days of the charges showing up. AMEX has always been responsive on the phone, issued replacement cards and for the first few charges they were prompt in communications and provisional credit. To date, they have refunded 20 charges for {$77.00}. With the remaining 8 charges ( totaling {$84.00} ) AMEX has been much more difficult. I have reported these charges no less than four times and each time the phone staff are very responsive, but the credits never get issued. It has now been almost two months since I first reported the most recent fraudulent activity. I have one confirmation dated XXXX ( several weeks after reporting the charges ) stating they would credit my account for {$52.00}. This credit has never occurred. After multiple additional attempts ( and contacting the Office of the President ) to get provisional credit, I received another letter on XXXX stating they have issued provisional credit for {$31.00}. This credit has not occurred to date. The resolution date is XXXX which is over XXXX months from the time I first reported the activity. 

Finally, after 3-4 calls to the Fraud department and a letter and 3 calls to the Office of the President they did provide the remaining credit that they had been promising for over a month. This credit was provided without any letters, emails of verbal communication from the company ... ... .just a credit that i happened to notice on my account.
Product: Money transfer, virtual currency, or money service

I don't have any kids so I would like my cash back please
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$530.00}
Product: Money transfer, virtual currency, or money service

I was job scammed over the course of a week by people claiming to be who they were not on XXXX I was offered a job interview on Monday XX/XX/XXXX as an XXXX XXXX in the video game industry. Over the week we had a legitimate and industry specific phone interview with multiple people. I was offered a job and filled out company pdf 's including my direct deposit info and home address. I was ultimately scammed out of {$1000.00} via XXXX on XX/XX/XXXX to a fake XXXX for a job required XXXX. I was told the company would expense XXXX transfer after being given an invoice from a real vendor, but I didn't know the recipient address for the payment was a scammer 's account " XXXX XXXX ''. I was then harassed a little after I asked the imposters to do a video call, and ultimately blocked by them. 


Wells Fargo Bank told me they could not reverse this transfer despite me opening up 2 claims with them and explaining in great detail the scam/fraud. I had also called immediately after the scam to report it as to not waste any time.
Product: Debt collection

TSI is attempting to collect on a debt that is not owed by me nor authorized by an original agreement between the original creditor and I. If TSI feels that this statement is incorrect than I invite them to provide me with a copy of the original contact between the original creditor and I, failure to do so with result in additional liability under the FDCPA/RFDCPA. Additionally, if they provide me with monthly statements and fail to provide the original contract this will establish the existence of an original contact and lack of possession of the contract in their file. The original contract must be provided within 30 days. Failure to do so will result in a lawsuit pursuant the FDCPA/RFDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction
Product: Credit reporting or other personal consumer reports

I have a XXXX  card on my account that Im not aware of account number is # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The Experian and XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX - ACCOUNT # : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. Thank you
Product: Debt collection

I am not sure to say if it was paid or not mine. AT the time of this service i went to location and was required to pay for the visit because I had no insurance. I was seen and at check out payment was collected. This is their policy since i was un-insured. I have asked numerous times for an agreement signed by me where more money was invoiced. Everything done that day was required to be paid .... They continue to try and collect this debt even though it should not have been billed. Please send proof of visit and charges, as I have asked many times.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

TDXXXX opened a retail account without my consent and approval. I contacted the company on XX/XX/XXXX and they are doing nothing to fix the issue. This account needs to be closed ASAP
Product: Checking or savings account

Wells Fargo Asset Management ( WFAM ) recently changed their login procedure to add additional security ; in doing so they have created a problem for the actual owner of the account. I spent an hour on the phone with a customer service representative changing my password and user ID and we could not get me access to my investment account. I requested to be transferred to a technical support tech but was told she had to put in a trouble ticket and someone would call me. I have not received a call from WFAM to resolve this issue. I have tried to two different browsers ( XXXX, XXXX  ) and nothing works. Everything I try to login I get an error message that says the system is not available at this time and we are sorry for the inconvenience. This is the third day with this issue. I have investments with XXXX, XXXX, and XXXX and their three step login process works fine.I want access to my funds so I can move them to another brokerage because of this unresolved issue. No notice was given to clients in writing or email that they were changing how we login.
Product: Money transfer, virtual currency, or money service

Cashapp has been useless since XXXX I have tried contacting their customer support for help with charge backs from a gambling sight that i wasn't made aware was illegal and per my states law I can legally get that money back. XXXX was sued by the state of Kentucky and was supposed to notify me of this as well as update their platform. Finally in XXXX XXXX  MONTHS AFTER STRUGGLING TO INDIVIDUALLY DO A DISPUTE FOR OVER 500 TRANSACTIONS AFTER BEIN TOLD BY XXXX XXXX they can't do it a lovely agent helped and filed all 500+ disputes. Cashapp denied XXXX of them because " 60 days had passed '' I have been trying to dispute these charges for over 3 months! They are constantly allowing merchants to double hit my account, even after I've blocked them. I want my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX  This is fraud on my credit report. 
This company has nothing in writing showing my obligation.
Product: Mortgage

IT WAS XX/XX/XXXX. XX/XX/2020. XXXX HAD OUR MORTGAGE THEN XX/XX/XXXX SOLD TO SELECT PORTOFOLIO COMPANY. WE WERE NOT AWARE OF SUCH BALLOON PAYMENT UNTIL XX/XX/2020 WE RECEIVED A CERTIFIED LETTER STATING THAT XXXX WAS NO LONGER TAKING OUR PAYMENTS THAT SELECT PORTOFOLIO WAS TAKING OVER THE BALLOON AMOUNT. WE CALLED XXXX NEVER ANSWERED OUR CALLS. THEN WE CALLED SELECT PORTOFOLIO. THEY EXPLAINED THE SITUATION TO US THEY EXPLAINED ABOUT THE BALLOON AMOUNT WAS TO BE PAID IN FULL ON THE MATURITY DATE OF XXXX XXXX. WE SUBMITTED A NEW MODIFICATION XX/XX/2020 MODIFICATION WAS DECLINED DUE TO CURRENT PAYMENTS. THEN WE SUBMITTED A REFINANCE. CREDIT SCORE WAS A BIT BELOW AVERAGE. WE SUBMITTED ANOTHER REFINANCE THEY SAID MORTGAGE WAS LATE. DUE TO MATURITY DATE. SELECT PORTOFOLIO WAS NOT TAKING ANY MORE MONTHLY INSTALLMENTS OUR REFINANCE THEN WAS UNABLE TO GO THROUGH WE HAD ALREADY PAID THE APPRAISEL FEE. WE DID A CONFERENCE CALL WITH REFINANCE BANK AND SELECT PORTOFOLIO. THE REFINANCE COMPANY SEEMED VERY CLUELESS.
Product: Debt collection

My recent credit report is showing unverified, and unauthorized collections that I never had a chance to dispute. The collections are from Portfolio Recovery XXXX. By law I am owed proper credit reporting according to the FCRA. 
I am requesting debt validation for the collection because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on this account, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of title to collect on this debt, also asking to see if there had been insurance claims filed on this account. With out providing proof, this account should be removed from XXXX, XXXX, and XXXX immediately.
Product: Student loan

So in XXXX while I was going through XXXX I called to concern about my loans since I'm already in court with XXXX XXXX XXXX due to the circumstance by which my loans were handed out to me and the amount. 


I called Navient asking them for the document of my last phone which the representative told me didn't exist but, that I have now. 


I also inquired with her about my loans and what I could pay.. She stated I would have to pay XXXX or XXXX and that it was the only program I qualified for. Now they approached me after 4 month with a program that I can afford but they hit my credit score each time and never offered it to me prior as if its a tactic to force the customer to pay a fee they don't have. The program I am in is fine now but. I want the full policy on the program and when the program was created and when should it be offered to me. 
They waited to basically financially destroy me ... not realizing that a credit score is required for a decent job and if i don't have a decent job ; then guess what? It puts me at risk of not being able to pay. 

The program I am in now is fine but, they stated that no late fees or interest accrued since i was offered but XX/XX/XXXX I was sent a delinquency notice. When I wrote in during XXXX using this website was the only time they started considering me for the program that fits my financial need and sent me the document for XXXX before that NO one would help so I want to thank the XXXX but, I also want Navient to provide me with the documents of the program and when it was created not just a half of a page explaining the program. Im aware i have a debt but, XXXX XXXX is fully aware of what they did to me my senior year of school causing me not to graduate and having to start from scratch. I built my credit up for Navient to give me no options and choose to destroy it within 4 month only after my credit was destroyed and I wrote in did they choose to actually help me. WHY IS THAT? 

Im happy with my new program but, the treatment, the inaccurate information, and the manipulation is wrong. 

O an then hit my credit score twice for each student loan back to back in XXXX. 
Meaning 6 TIMES in one month. I have 3 loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

They charged off my account and added on my report a charge off remark. By law, an account can only be charged off after 180 days of deliquency. I asked them to show me how I missed 180 days of minimum payment they kept forwarding my calls and are always unable to answer me since my last payment was just a month ago. I filed a complain with the credit bereau but the credit card company is still refusing to remove the wrong data off my report. I'm asking that they delete those wrong information from my report. I even have already paid off the full balance now.
Product: Credit reporting or other personal consumer reports

Experian plays cruel role in reporting nothing, " But negative items to trap you with bad credit an have others lenders look at you an decline you because of the reason. As you can see they report 53 % credit usage to drop my credit " than* to remove the negative items '' that are in fact INACCURATE information 's to trap you into paying high APR % with companies, THAT they sell my data to, an which i have to pay a HIGH APR. 15 U.S. Code 1681- Congressional findings and statement of purpose!!! ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon Fair and " ACCURATE CREDIT REPORTING ''. Inaccurate credit reports directly " '' '' '' Impair the efficiency of the banking system '' '' '' '', and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ITS LAW!!!!!!!! OR ima get my lawyers in this matter. " " '' XXXX XXXX XXXX '' '' '' '' WHERES MY PAYMENTS " '' history from 2020?!?!?! '' '' ACCOUNT OPEN IN XXXX  THEY JUST KEEP TAKING MY ONTIME PAYMENTS AWAY PLEASE FIX IT!!!!
Product: Credit reporting or other personal consumer reports

My XXXX XXXX car loan payments are never reported to my credit report, There are sometimes as long as XXXX  months of payments missing from my credit report. I have to contact the company to ask them to update my info. They update my payments and all future payments aren't reported for another XXXX  months so I have to contact them again. It keeps going around like cat and mouse. I need consistent reporting every month.