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

My XXXX XXXX account ending in XXXX is showing closed and I reopened the account a couple days after closing it. I closed it in error in XX/XX/XXXX and reopened it in XX/XX/XXXX. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But the balance on my statements and being reported to all the bureaus is the balance from when I closed the account in error - {$900.00}. The balance of the account as of today XX/XX/XXXX is {$620.00}. I have made payments each month and the payments and balance is not being reported. Also the account is still being reported as closed. I received a letter from XXXX XXXX giving my balance on XX/XX/XXXX of {$720.00} ( I have made another payment since then ). But that amount is not being reported or my new payment or that the account is open. I received a call from XXXX XXXX stating that they are reporting the proper information to all 3 credit bureaus and that they corrected any errors. But my reports still show the same information. Account closed and balance of {$900.00}
Product: Checking or savings account

I am contacting you about XXXX and Citibank which I contacted today XX/XX/22 and I contacted XXXX XXXX  daily for the past 10 days. Both banks, and indeed many banks today can not deal with some one who does not have a mobile phone. They have one way to verify me and that is through a mobile or cell phone number. I feel this is discriminatory towards people without cell phones for whatever reason. I have no interest in having a cell phone but many older people do not have any idea how to use a cell phone for more than a call even if they do have one. In addition in states other than my own which gives free cell phones out to lower income people, there are many who can not afford a cell phone. 
I have been barred from my online account at XXXX over and over and have a limit of {$500.00} per day for 10 days now to use my account. Citibank will not issue me a debit card as they can not verify me. 
I think that all businesses should have more than one way to verify someone. I have spent at least 30 hours on the phone with this issue in the past XXXX weeks. I am required to walk into the bank in person. I am not a shady person but I am trying to have all the rights of a person with a cell phone. I think there should be a second way to verify customers. I also would like to complain about another issue and that is that one can not have a debit card and separate ATM card any longer. I have been told it is for security reasons but this decision is anti security. A debit card is not at all secure. Anyone can take my debit card into any number of retail places where you can use it for up to {$100.00} with no one asking for a pin or looking at the back of your card to verify you. An ATM card is very secure as someone needs to know my pin to use it. Therefor e I feel secure carrying around an ATM card at all times in case of need but I do not feel secure carrying around a combo card that has an insecure debit card attached to it. Why did someone make that decision that these two should be combined thereby decreasing the security of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing this account according to the FCRA for reporting incorrectly. I have asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original Ink signature. I am requesting the reporting agencies to correct this account to report paid as agreed with no late payments and/or remove it. I've sent the original dispute 6 months ago with no response. Yesterday XX/XX/22 I sent a certified letter as proof they are getting the mail and request.
Product: Checking or savings account

I did receive a call response from agent exclaimed only as " XXXX '', applies to be therefore answer to recent theirs received of mine at of CFPB complaint, at agent of Wells Fargo Bank. 

Unfortunately, although, XXXX did phone call me from XXXX ( XXXX ) XXXX, that phone address I do recognize as for belonging to Wells Fargo Bank, a origin, way before decent to normal banking business hours, XXXX XXXX 

This was an apparent not only to be rude, attends mine CFPB complaint, but was too, an apparent " detour tactic '', used by Wells Fargo Bank agent XXXX, in order to possibly detour further to a " decent normal '' of complainant 's to do response, since the CFPB complainant 's phone voice-mail, would only be at attentions therefore, that too early of a time, expect a professional business phone call, and to answer. I did sustain by this, mention, and the subsequent information received by this XXXX, agent to Wells Fargo, an injury result, attends an upset mine XXXX XXXXXXXX diagnosed XXXX XXXX XXXX compel me use mine XXXX XXXX prescribed medicine, XXXX 
" I did formally, in writing request to an injury claim be delivered me by Wells Fargo, attends this rude acts, cause me further serious application to injury and inconvenience, and as of yet, have I received decent response ''.
Product: Credit card

I purchased items totaling {$2500.00} from XXXXXXXX XXXX in XX/XX/XXXX, believing I had a XXXX interest-free period based on the seller 's assurance. However, it was actually an XXXX period. Despite making consistent payments to Synchrony Financial/Bank , I discovered in XX/XX/XXXX that I was charged over {$870.00} in interest on a balance of less than {$250.00}. This was without any prior notification or explanation. When I inquired, I was informed that since I hadn't paid in full by 18 months, I was being charged interest on the entire amount, not just the remaining balance. 

Neither the sales representative nor Synchrony adequately communicated this condition. Despite my attempts to resolve the issue, including speaking with a supervisor named XXXX XXXX, I encountered unhelpful and misleading responses. Requests for documentation were denied, and it seems the company is not transparent about its practices. This lack of clarity amounts to consumer fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recall this account and it's reporting CAPITAL ONE BANK USA N # XXXX in accurate information. On XX/XX/XXXX report " Legally Paid '' with inaccurate history ; XX/XX/XXXX reporting Charge-off with Paid On-Time for all 2020 ; XXXX  has No Payment History ... 

Please remove this account Fair Credit Act 611 this information and inaccurate. Please see attachements.
Product: Debt collection

In XXXX of 2020, I had paid off an XXXX XXXX which I was previously paying installments on through XXXX. I specifically remember chatting with a XXXX Customer Service Agent via online chat, and then I even spoke on the phone with the same agent toward the end of the transaction as I wanted to make absolutely sure that I was being assisted in paying ANY/ALL payments required in order to be relieved of my contract with XXXX, which I made very clear to the XXXX agent XXXX He instructed me of the total amount due, and even ended up assisting me with getting the cell phone set up on a cheaper, prepaid service plan after the phone was deemed unlocked. I happened to save the chat transcripts between the agent and I on that specific evening, in preparation of an event like what I have been experiencing for the past year & a half. 
For some reason, these debt collection agencies have been contacting me claiming that I owe XXXX near {$300.00} which is simply false and not possible. This is very frustrating because it has definitely impacted my credit score, as well as the fact that this is not even something which i should be having to spend any more of my time on.
Product: Mortgage

Mortgage problem with escrow department. Land home financial services Shortage is whom our mortgage is through Escrow department is saying we have a shortage for XXXX because of not filing Homestead and County Property tax increase Home Stead was filled XX/XX/XXXX for XXXX Proof of County tax with no increase was submitted Documents given to escrow account XXXX XXXX and XX/XX/XXXX. Talked with escrow numerous times. Finally agreed and apologised after numerous call. 
They did confirm receiving documents but neglected to update and impute it in the system. Manger and operator had found documents and said they would put new information This was first week of XXXX and That our payment will remain the same. XXXX They never sent a updated statement we are now showing delinquent We we paid our last month payment for XXXX. Normal payment and they are saying our payment is XXXX And we now owe XXXX. 
Please resolve this matter the escrow dept is not doing their job to Correct this My husband concerned about his credit and its a big scary mess. 
XXXX
Product: Money transfer, virtual currency, or money service

I had got scammed by a man who wanted me to pay rent in his room for rent but he never sent the keys and I lost {$1000.00} on the XXXX dollars on Cashapp. The company did not return the money as they said it was already gone.
Product: Credit reporting or other personal consumer reports

15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft. 
15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681b : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose. 
I have not at any time GIVEN WRITTEN CONSENT to publish late payments, so therefore I can only assume that the credit reporting agency has allegedly stolen my identity. I have enclosed a filed affidavit with the FTC. I want these late payments removed, deleted, or changed to reflect paid as agreed on time, XXXX immediately or pay a {$1000.00} fine per violation. 
XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. The following item shave inaccurate information. The last payment date is incorrect. Please remove this account for inaccuracy. Do not update the information, please delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/00 Balance : {$86000.00}
Product: Debt collection

They are calling for the previous owner of the phone number. I do not know who he is and the debit is not mine. I've been asking them to stop calling for TWO YEARS and they robocall me EVERY SINGLE day M-F. This number now belongs to a business, not a person. 

Transworld Systems Incorporated calling from : XXXX XXXX XXXX XXXX asking for a return call to XXXX with a reference number of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card company close one of my credit cards because there was a security alert on my identity and they wanted me to send in my identification. This is in 2020 when the covid was fully just started and the only option they would give for me to send them my identification was to mail it through the post office I had just went on for a little at work, and I didn't want to go out and have to go stand in line at the post office. So they didn't give me any other option to send my identification and so therefore they close my account. It ruined my credit. And after a month I kept on complaining and trying to send them my identification finally they let me email it to them and everything was fine. Then they kept on sending letters and calling me and asking me to reopen my account but they already ruined my credit. So finally I let them open XXXX of my accounts because I had XXXX. So I let them open the one with the lowest credit limit which was a {$300.00} limit. They send me my new card and we're doing just fine I go to check my credit report and they're reporting the wrong credit card with the wrong account on there and the credit limit is a {$900.00} limit I complain about it and they do nothing about it I log on to my account online. and it's the right account online they're sending me the bill I'm paying the bill every month they're sending me the right bill but they're reporting the wrong account to the reporting agency. And continuing to ruin my credit saying I'm delinquent payment every month. and my problem is transunions does not require creditors to show proof that it's my account, because if they did it would have been taken off. They've been reporting it for 3 years. I have proof that they're reporting the wrong card I have a email from XX/XX/2020 saying I paid a {$250.00} payment and if you look on my transunion credit report it says that month XX/XX/2020 that I was delinquent 90 days I wasn't it's the wrong account they're reporting so can you guys help me. The document I'm uploading is ( XXXX ) has the right account number and it's showing that I paid {$250.00} XXXX was my balance on {$300.00} limit not like the {$700.00} limit they've been reporting delinquent every month for over 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete Bankruptcy : Discharged CH-XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXL XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

Late last year, I discovered I am a victim of identity theft. I contacted each financial institution to report the fraud. Beginning XX/XX/2021, I submitted multiple requests to Equifax and XXXX to have the fraudulent inquiries deleted from my credit profile. To date, this request has still not been fulfilled. My last submission included a copy of my identity theft report, my photo ID, and a list of the inquiries using the template provided by the Federal Trade Commission for just such a request. 

Please assist me with getting this request fulfilled. If more information is needed, please contact me via phone/email/mail and I will gladly provide the additional information. 

My review inquiries have been pending since XX/XX/2021, which is now XXXX XXXX months ago.
Product: Credit card

I have a Wells Fargo Credit Card. I have made small payments the past couple months due to some other financial obligations. I do pay well before my due date..which is the XXXX of XXXX. I paid for the month of XXXX on XXXX/XXXX/15. Wells Fargo requests a minimum amount due, which did n't meet. I received a letter from Wells Fargo last week and called the number on the letter the following day. I explained to the agent I had every intention of making larger payments and paying this card off asap and that I had always paid on time. 
The agent was not only aggressive and hostile towards me, but he was relentless. I finally hung up after attempting to assure them I was making regular payments that were on time. 
I have also paid off {$6000.00} of this card over the past 8 months or so ... which is clear evidence of my good faith in making payments to get the balance down. Then today, the Human Resources department where I work brought me a message they had called them. This is completely unacceptable that they are calling my workplace. I am the XXXX to the XXXX XXXX XXXX where I work. The tactics Wells Fargo is employing constitute harassment. Today I called XXXX again and explained my payment history, my timely payments, and good faith intentions to begin paying between {$500.00} and $ 1000 monthly on this card in XXXX. Yet they continue to be aggressive and relentless towards me. I will no longer tolerate this. I will no longer be accepting any phone calls -they need to stop contacting my employer -- and all further communications need to occur via the mail. 
They need to CEASE AND DESIST from this harassment. I am making timely and regular payments ... and demonstrate every good intention of paying down my balance.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment with your handling of my previous disputes regarding a fraudulent account on my credit report. Despite my repeated efforts to have this issue resolved, the fraudulent account continues to persist, and I am left to bear the consequences of your inaction. 
XXXX XXXX XXXX XXXX  FRAUD, PLEASE DELETE!!! 
I demand immediate action to rectify this ongoing issue. You have had ample time to investigate and remove the fraudulent account, yet it persists on my credit report, damaging my creditworthiness and causing me undue financial harm. This continued negligence on your part is not only a violation of the Fair Credit Reporting Act but also a blatant disregard for the rights and well-being of consumers.
Product: Mortgage

When I signed my loan docs with Amerisave Mortgage the contracts said : " You have the right to request that the PMI be canceled, at your option, on either of the following dates ( " the cancellation date '' ) : ( XXXX ) The date the principal balance of your loan actually reaches 80 % of the original value of the property, based solely on your actual loan payments. '' I contacted them inquiring about paying down my loan so I could attain XXXX % equity and now they sent me a letter saying I must have approx. XXXX % equity before I am allowed to cancel the $ XXXX/month PMI payment. I have called multiple times to address this and they will not comply with my loan contract.
Product: Credit reporting or other personal consumer reports

Im a foreign national and my identity stolen. My consulate told me to go FTC website. I dont know much XXXX but here is info please help. Can you help me. These accounts are not me. Someone use my info. Can you have remove? Here are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My grandfather used to Bank with XXXX XXXX XXXXXXXX as well as chase bank also known as Washington mutual. he had some IRAs there a XXXX XXXX XXXXXXXX and some stuff in XXXX XXXX I just now found out that XXXX XXXX had an account I couldnt access. my family refused to tell me about my stocks and bonds, negligence of fraudulent behavior.now XXXX finding out about all of these. about how much can be in there and out there and just been trying to straighten all this out. I want to live. Please contact My number at ( XXXX ) XXXX. Id like to be able to get money out, if you will let me, I can manage money, I cant manage liars. I need. XXXX XXXX XXXX is one of the ones I want to withdrawal XXXX $ for a house, or XXXX $
Product: Checking or savings account

I tried to access my bank account and it tells me that my name has changed. I never changed my name for my bank accounts even my whole credit report is under this new name XXXX XXXX that I never created, please change my name back to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX last year, XXXX XXXX  transferred our Loan Servicing to XXXX XXXX XXXX XXXX and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report. 

We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current. 

Our loan is not being reported correctly as stated in the letter issued by XXXX XXXX on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in XXXX.
Product: Debt collection

They keep calling for my husband who is battling XXXX. I have told them at least XXXX times to please stop calling and his condition. What is so wrong with this is they are not the primary debt holder. They purchase old or written off debts and reactivate them and then call the credit bureaus like they are new. Please stop these people so my husband can see some peace.
Product: Payday loan, title loan, personal loan, or advance loan

Back in 2021, I " leased '' furniture with Acima under the assumption that this was a lease. I fell behind on a few payments and was told that i could not return the furniture and was hit unexpectedly with a large payment. For what was originally an ~ {$700.00} set I paid a total of {$1400.00}. at the end of 90 days. 

I also took out another " lease '' and completed the payment of {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following disputes have been outstanding for longer than 30 days. Please see attached. According to the FCRA disputes should be completed within 30 days. Anything past 30 days is considered unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Experian a certified mail letter demanding they delete the XXXX XXXX  off my consumer report I've sent letter after letter complaining about this situation providing proof from the Creditors stating that they are not collecting on the DEBT Experian have violated my federally protected consumer rights and I need answers