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

My name XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY they are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I need my correct information updated.I have some addresses on my credit file that are not accurate. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft due to the XXXX data breach XXXX XXXX - {$1000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX  - {$830.00} - XX/XX/XXXX ONEMAIN XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX ACCOUNT NAME : TXXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  ) | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX Above said accounts, have violated my rights. 

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

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I booked plane tickets for {$390.00} back in XXXX. XXXX cancelled my purchase. I rebooked for $ XXXX ( I don't have the exact price, but I can get it ) and asked XXXX to honor the price of {$390.00}, when they didn't and I cancelled that purchase. I disputed the charges with Barclay Elite MasterCard, because they farm out their customer service, the rep, who didn't completely understand English, didn't quite understand my dispute and she only credited me with {$290.00} dollars. As of today, I am still have not been refunded the other {$390.00}. The dispute started XX/XX/18. I have called every month. Each time I have called I speak to at least 10 people. I can not speak to a manager 's manager. They refuse. Right now I'm waiting for a callback. In XXXX, they told me that my case is still open, and I today as I'm doing my monthly check, I just got notified that my case has been closed seen XXXX. They have refused to start arbitration as asked countless time. They ask me for paperwork, and I told them that I shouldn't have to do paperwork for their mistake. I just asked for the call logs because they said I haven't called since XXXX.
Product: Checking or savings account

My husband has XXXX accounts with Ally Bank. They are IRA 's. He passed away on XXXX/XXXX/XXXX and I contacted Ally Bank for the first time on XXXX/XXXX/XXXX. I was the sole beneficiary of these accounts. I faxed a copy of the death certificate and my drivers license on XXXX/XXXX/XXXX to the IRA department at Ally Bank. The money from his IRA 's were supposed to be put into a new account under my name. I mailed the new account information on XXXX/XXXX/XXXX. I have repeatedly called Ally Bank since XXXX and have been told something different every time. Every time I ask what is going on I am told that I will receive an email in XXXX to XXXX days with the correct form. The email has never arrived. I called today and asked to speak to a supervisor and was put on hold and no one ever picked up. I have asked to speak to a supervisor several times and have been told that the IRA specialists are too busy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage loan with Wells Fargo. I just completed bankruptcy and it was discharged with no payments due in the spring of XX/XX/XXXX. Wells Fargo reported me delinquent by 120 days. They then sold this mortgage to XXXX XXXX who corrected their erroneous reporting, but Wells Fargo's erroneous reporting is still on my credit reports. This mortgage originated in XX/XX/XXXX and was modified by XXXX in XX/XX/XXXX. No payments were delinquent or late from XX/XX/XXXX to date.I have a second mortgage with Wells Fargo that originated with XXXX XXXX in XX/XX/XXXX. After the bankruptcy was discharged, Wells Fargo deleted that mortgage from my credit reports with the credit reporting bureaus. All payments for the mortgage were made on time during the 5 years of the bankruptcy and the year before when the bankruptcy had not yet been finalized (since XX/XX/XXXX).I sent a request to Wells Fargo three weeks ago to fix the situation. They then requested me to send them the same information I had already sent via the secure website. They then went on to add in their response that they had forwarded the information to the relevant department. The situation has not been resolved. Delaying a response is unacceptable.The reason we were in bankruptcy was that Wells Fargo denied a mortgage modification and then used their delay tactics to run up additional fees, interest, late payments, and attorney's fees.
Product: Credit card or prepaid card

I transferred a balance to Chase Bank Freedom Card at 0 % interest rate if paid off by XX/XX/XXXX. I made payments on that amount so as to pay off balance by XX/XX/XXXX. However, later I transferred another balance at 2.99 % interest rate. The payment terms said they would pay off the lowest interest rate first then the highest rate. I always made more than minimum payment on those two amounts. However Chase is only applying the payment to the 2.99 % interest amount and nothing to the 0 % interest amount. This causes me to not be able to pay off the 0 % amount by the due date of XX/XX/XXXX whereby that interest rate will then go from 0 % to the current rate of 26 %. That rate may cover the entire time I'v had that offered rate. I believe this is FRAUD on their part. I have talked to them several times to no avail. That is their policy they say. 
I want to be able to pay off my 0 % amount by XX/XX/XXXX however since they will not put payment money against that amount, that is impossible. In order to pay off the entire amount by making another payment, I would owe {$7600.00}. by XX/XX/XXXX. I don't have the money to do that. 
I want them to transfer previous paid amounts from the 2.99 % amount to pay off the 0 % amount, or extend the 0 % interest rate to coincide with the 2.99 % rate expiration date of XX/XX/XXXX.
Product: Credit card

on XXXX i was denied credit and my consumer right were violated, and i was discrimination against
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX have been trafficking my information by assembling my consumer report. This information is a violation of my confidentiality as a private natural person. These 3 agencies have a responsibility to keep my information private. My request to have transunion to remove over 25 hard inquiries, XXXX to remove over 13 hard inquiries and XXXX  to remove over 33 hard inquiries. I've made several attempts with all 3 companies. I will follow through if this is not taken care of immediately with adverse action 15 usc 1681 18 usc 1028 with penalties for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX you responded to complaint # XXXX  which was a challenge to a prior complaint : On XX/XX/XXXX I filed a complaint # XXXX against your company for reporting false information. You had 30 days to complete this investigation. You responded on XX/XX/XXXX that the investigation may take up to 30 days. It is now XX/XX/XXXX and the investigation is not complete and you have not provided any verification. You must now delete the accounts in dispute for being falsely reported. Your failure to delete these items due to the fact that your investigation took more than 30 days is a clear and indisputable violation of the FCRA. If they are not deleted immediately, I will be filing a lawsuit in circuit court, not small claims, for defamation.
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The accounts are 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX. These are all reporting false information. You are in violation of 15 U.S. Code 1681i and 15 U.S. Code 1681a.
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You responded that you have verified the information in the complaint, yet you do not provide any written proof to support your claim. The court system does not take your word for it and neither do I. You took more than the allotted time of 30 days to complete an investigation and you went over that. You violated the FCRA and you 're not getting away with it. You leave me no choice other than to take this mater up in court. I have given my attorney the go ahead to file the suit. If in the meantime, you should decide to come to your senses and delete the accounts, I will drop the suit.
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I am publishing all of the complaints on a well known website as well as social media and printed news about the way this matter was handled with XXXX auto responses and by a live human.
Product: Debt collection

For approximately the last year, the law firm of Machol & Johannes , LLC has been repeatedly contacting myself and my parents in an attempt to collect a debt that I do not recognize. Per the office, their client obtained a judgment against me in 2010 ; however, neither myself nor anyone at my place of residence was ever served with any paperwork to notify me that I needed to appear in court. 

Each time the law firm calls, I ask them what the debt is for. On several occasions they have stated it was a credit card for several XXXX dollars. I have never had a credit card with a limit higher than {$1000.00}, if I remember correctly the highest limit I have ever had is {$750.00}. 

I offered to discuss payment options if the firm provided me proof of service and verification of debt. I have requested XXXX these items multiple times and the woman I speak with, XXXX XXXX, refuses to provide me any additional information. She has raised her voice at me, hung up on me during our conversations, and not returned my calls when I request additional information. 

If this is a debt that I do owe I am willing to attempt to make payment arrangements ; however, I am not going to blindly send in money to a law firm without any documentation evidencing where the original debt was originated, details of the dollar amount that I owe, and proof that I was served paperwork and given the opportunity to appear in court as I was never made aware that there was the possibility of a judgment being entered against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX NA Date of inquiry XX/XX/2020
Product: Debt collection

The City of XXXX is billing me {$84.00} on a debt that has already been paid in full since XX/XX/2016.
Product: Checking or savings account

I went to a XXXX in California, and I brought a room online for {$89.00}. I left the XXXX to get {$50.00} dollars off my card for the room fee. When I came back in the motel, I was charged again on my card by a different worker. I tried explaining that I already paid.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a collection notice from BCA Financial Services , Inc. stating I owe {$85.00} to XXXX XXXX XXXX XXXX  ( act # XXXX  ). I never signed anything that reflected that I owe anything to XXXX. My husband is an employee of XXXX which recently acquired XXXX  and our insurance fully covers us. XXXX used doctors that were not part of our health plan without our consent therefore we do not think we are obligated to pay this debt. This is a shady practice by both XXXX as well as the debt collection agency they hired. Last I checked all the valid medical expenses have already been paid by my insurance company.
Product: Mortgage

Me and my husband bought the house in XX/XX/XXXX. We choose Navy Federal Credit Union XXXX  loan to bought the house. We told the bank we will pay XXXX downpayment. But we found when closing disclosure shows up, we didn't see the downpayment on it. So we asked the person who handle our paperwork why don't have downpayment on the document. First time she told us this closing disclosure not the current yet, she just tried to show us how much money we may to pay. Second time she sent us a new closing disclosure ; we find out she didn't put our XXXX downpayment again. so we ask her again what's the reason. She told us the downpayment won't showing on the closing disclosure because we have to tell our realtor and our lawyer on closing day. They will help us handle the downpayment. That's why when she sent us the final closing disclosure we didn't say anything. 
In XX/XX/XXXX closing day. We met our realtor and lawyer, we told them about we want to put XXXX downpayment when we buy the house. They so confuse and told us this is not their job. Bank have to put downpayment for us. So we call the bank immediately to ask her what's going on? She told as she makes mistake, Since we choose XXXX loan, we can't put downpayment on this loan. Even if we want to put XXXX downpayment, our monthly payment wont be change will still be the same {$2100.00} every month. That's why me and my husband sign the contract then closing. 

In XX/XX/XXXX, we just find out XXXX loan accept the downpayment and if we put XXXX down payment, we probably only have to pay around {$1500.00} on our mortgage. Which means the person who handle our case lie us. So we tried to contact with bank and fix their mistake. We ask bank to change our monthly payment and refund us the monthly payment different from XX/XX/XXXX ( about $ XXXX {$700.00} different if they didn't make a mistake ). But the bank only want to refund us the funding fee ( if they put our XXXX downpayment at first, we don't have to pay more then {$6000.00} on funding fee ). 

XXXX XXXX she is the person who handle our case ) told us the only way can change the monthly payment is doing the refinance. She told us the bank won't pay anything for us. 
So we spend more then XXXX for refringence to stop our lose. 

We feel very unfair to us, why the bank lie us and make a mistake then we have to pay for it? We probably lose more then XXXX now
Product: Credit reporting, credit repair services, or other personal consumer reports

Im receiving letters and phone calls of harassment, profane and abusive language, death threats and threats of being sent to jail and prison from XXXX XXXX Representatives in regards to a debt for {$84.00} from XXXX. The debt and account is not my debt or account. The account and debt is due to identity theft. XXXX XXXX  is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Mortgage

US Bank has notified me that i have a escrow storage of {$3000.00}. I called the escrow people on XX/XX/XXXX and was told by the agent that when I filed for Bankruptcy in XX/XX/XXXX, USBank bankruptcy people took {$2400.00} from my escrow account and never returned it. That never told me about this. It may be more than that. 

The bankruptcy was discharged XX/XX/XXXX and i kept my house as i was current on the payments. They withdrew money from my escrow account for some other purpose than covering taxes and insurance. AND they never told me. And never returned it. 

They also did this in XX/XX/XXXXwhen they mistakenly paid for two homeowner insurance policies. I had that fixed and repeatedly asked if my current payment of {$960.00} was the right amount and have letters saying that was correct. 

XXXX XXXX in the bankruptcy was supposed to call me but to date has not. 

I need a full review of payments and withdrawals from XX/XX/XXXX to present. 

No matter what the outcome, USBank must be required to stop withdrawing money from escrow without telling me immediately! And not use escrow for other purposes then taxes and insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It looks like some of the inquires were already removed by some of the companies before i sent the last dispute. Also some accounts were listed incorrectly I have the correct one now. These accounts are fraudulent. Will pursue financial compensation is issue is not resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Name : XXXX Account Name : DEPTEDXXXX Account Name : XXXX Account Name : DEPTEDXXXX  Account Name : XXXX Account Name : DEPTEDXXXX Account Name : XXXX Account Name : DEPTEDXXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had to be quarantine in my home in XXXX Florida and work from my house and my computer and Purse were in my property and acquaintance of my daughter came over and he was able to get my debit card on my Social Security and credit and look on my computer and my passwords and he used my debit card and it was {$7000.00} and Wells Fargo would not communicate with me they wouldnt let me talk to anybody because I found out what happened and I gave them all the reports and everything and they denied my claim and they also gave me are the run around for two weeks I had Evidence and everything but they still wouldnt let me update would it happen it has been a nightmare
Product: Credit reporting, credit repair services, or other personal consumer reports

Each time I call this company I am advised that the issue will be corrected and it never does. I called the company regarding an error in their billing system where I had made a debit card payment and it never was applied to the account. After numerous calls they finally posted payment to the account but in the mean time the account was flagged as lat which is not correct. This company has violated Fair Credit Reporting Act by reporting inaccurate information. I was in the process of purchasing a home was denied due to the erroneous mistake of this company. I filed a complaint with the XXXX. I contacted them on XX/XX/2022 and I requested a manager and a lead name XXXX called me back and stated it was an error because I changed my payment date the system was apply 2 payments to the month of XXXX and it will be corrected and will make the correction on my credit report. Fast forward today all my reports are reporting inaccurate payment history and different payment history. According to the FCRA the creditor must report complete and accurate information to each bureau and therefore this company violated this act by report different payment history to each bureau. Im not making payments for this company to destroy my credit.

Account Number for XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX  XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00} XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX **** Balance Owed : {$2000.00}