23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, I have the right to challenge any information on my credit report that Ibelieve to be incorrect. It's important to me that my credit report is accurate, and I take this matter seriously. While I dispute the claims of delinquency and derogatory information on my account, I request that you provide me with evidence to support your position. Specifically, I would like to see proof that the inquiries and accounts in question have a permissible purpose. I'm reaching out to you today because I'm concerned that this matter has not been handled properly. However, I believe that we can resolve this issue promptly and without any escalation. 
Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Additionally, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE! 
XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting DELETE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Account number XXXX I have been trying to contact the credit agencies and furnisher of this account, as after reviewing my credit report I noticed this charged off account that showing negatively on my reports. I am demanding CFPB to enforce federal consumer financial laws and Fair Collection Practices Act. I am demanding this account be removed from all reporting agencies asap. 

remove from all reporting agencies and mail me an updated report from all reporting agencies once updated.
Product: Debt collection

I was contacted with a voicemail informing me that I was going to be served papers between 3 and 5 the next day, that I needed to have photo ID and my supervisor would need to be present. This call came from a private number and a caller identifying herself as XXXX XXXX ( I have the voicemail recorded ). 

She gave me the number of XXXX XXXX, at XXXX. I contacted him and was told they were trying to collect a debt from 2007 ( 11 years ago ) from USBank.  Unfortunately, I fell for the tactic, gave my debit card and they immediately charged {$650.00}, and had a payment plan for 13 charges of {$120.00} for a total of {$2300.00}. 

During the call, I asked if I could speak to counsel and call them back. XXXX indicated that I had signed a contract with USBank that I had a single attempt at resolution. If I disconnected the call, they would send my information " back to the county '' and heavily implied that I would be asked to appear in court before a judge, and that the client would seek triple the amount ( {$6900.00} ). 

I have a copy of the PDF they sent acknowledging my payment plan, coming from an email address XXXX. 

I made a second call to XXXX, and indicated that I suspected they were guilty of fraudulent activity. This prompted XXXX to put on his " Director of Operations ''  whose name I can not recall. This resulted in him vaguely insulting me, asking personal questions about my work and whether I created websites for scam companies. He also claimed I sounded just like the " IT guy [ he ] just fired. '' Eventually, I terminated the call after he said he would reverse the charges, and send my information " back to the county '' (  when I asked he said XXXX, and when I said the neither the account I had with USBank nor USBank reside in XXXX county, he said he could send it to any county ) and that I could continue my case before a judge, being very careful this time not to imply that it would be someone suing me, which had been the case before. 

I have attached the voicemail and PDF
Product: Mortgage

This file has been under review for a short sale for 228 days, I have documentation and proof to back this up. 

The file was WRONGFULLY closed XX/XX/XXXX as I called on XX/XX/XXXX to confirm there was nothing else needed and I was told we were to expect approval any day. 

I call on XX/XX/XXXX and was told the file was closed out. I had to RESUBMIT the entire packet again. 

I called at least once a week to check on the file and was told to send one correct which it would do immediately because I already submitted the document. I would call the next day to confirm receipt and was told to resend something else. 

I spent over an hour on the phone with XXXX in the short sale department on XX/XX/XXXX to confirm the documents he needed. On XX/XX/XXXX, I confirmed a complete packet. He also confirmed our offer is HIGHER than the BPO value. 

There is a foreclosure date set for XXXX and it NEEDS to be postponed. This file was wrongfully closed TWICE now. We are on our SIXTH approval extension with the XXXX lien. There is no excuse for this file to be handled this way. 

XXXX XXXX XXXX P : XXXX F : XXXX
Product: Credit card or prepaid card

I tried to make a purchase using a {$25.00} AmEx gift card at XXXX XXXX 's website. The order was cancelled so I attempted to put the balance on my XXXX XXXX account. After several attempts without success, I contacted AmEx customer service. They told me to wait until a specific date ( XX/XX/22 ) for XXXX XXXX put the money back to the gift card. I waited and tried again without success to put the card on XXXX XXXX so I contacted customer service again. They told me that the card was locked after too many attempts but that I should try again the next day. I waited several days and tried again with no success, so I contacted customer service once again. They said a supervisor would contact me but I received no such call. I tried a second time on XX/XX/22 and was told a supervisor would call me within XXXX hours. No call ever came so I tried to buy a XXXX XXXX gift card today but the card was declined. I tried calling customer service again today but was disconnected after XXXX minutes. I have now spent more than XXXX hours trying to use a card that can not be used and the company will not either send a physical card or cancel the current card and offer a new card. I am now out of the {$25.00} value unless this Bureau will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports as I have been incarcerated since XX/XX/XXXX and was just released on XX/XX/XXXX. There are several inaccurate items listed on my reports that should not be there. I have both soft and hard inquiries on my report that I did not do or authorize such as XXXX XXXX, XXXX XXXX, american express, & XXXX
Product: Credit card

I filed XXXX/XXXX/2016 complaint # XXXX and i want to place the second false/fraud/lies on what took place by wellsfargo bank personnel claims/fraud dept. and will attach proof of statements. XXXX thing must be clear wellsfargo deleted all of these item but thank XXXX i was able to print some of them. 
1- XXXX XXXX transfer on account XXXX that was closed on XXXX/XXXX/2016 you have proof from the letter dated XXXX/XXXX/2016 by credit card XXXX that I attached yesterday. 
2-I was able to print on XXXX/XXXX/XXXX statement that showed the over the limit amount created by wells fargo bank as cash advanced of {$4900.00} and XXXX on an account ending on XXXX that was closed on XXXX/XXXX/2016 that created additional cash advance fee 's as well. 
now if you look at the statement how do they allowed this to take place when the statement shows a total credit limit of {$18000.00} and last statement balance XXXX/XXXX/2016 of XXXX and sixty days ahead I was glad I was able to print at least the front page on XXXX/XXXX/2016 and when I whent to get more paper to print the rest of the XXXX pages and came back and wells fargo had deleted all of the rest of the pages. 
3- on XXXX/XXXX/2016 I was able to print another front page on the ending account XXXX and in it the charges and cash advances increase outstanding balance to {$22000.00} and over the limit due of {$3400.00} last statement date XX/XX/XXXX2016.and I tried to print the XXXX pages and it would not allow me I called the bank to check and wellsfargo again deleted all the pages and they were not able to pull them up. 
XXXX On XXXX/XXXX/2016 I look again and I found XXXX pages on account XXXX that was created without my authorization or request and it shows a credit limit of {$18000.00} and a outstanding balance of {$6200.00} I again tried to print the XXXX pages and again wellsfargo had deleted all pages but was able to at least print the front page and on that XXXX there were XXXX cash advances and fee 's look at the dates of these transactions XXXX see original message there was stolen/false/fraud from XXXX and it still being investigated to date nothing has happen. they even suggested to contact XXXX executive office. 
1- XXXX XXXX XXXX XXXX 2- XXXX XXXX XXXX XXXX XXXX 3- XXXX XXXX -vice president XXXX XXXX ALL HAVE BEEN CONTACTED INCLUDING XXXX XXXX YOU HAVE ALL THE OTHER COPIES I HAVE ATTACH ON PREVIOUS COMPLAINT AS YOU CAN SEE ALL THE WELLSFARGO BANK SCAM AND LIES AND PROOF. I HAVE FAXED OVER TO XXXX credit exec office OVER XXXX PAGES AND TO XXXX OVER XXXX PAGES IN ADDITION I HAVE CONTACTED OVER XXXX PERSONS. AS WELL AND THE TOOK THE ACCOUNT AND TRANSFERE IT BACK TO XXXX AND HE WAS THE XXXX THAT STATED THAT I CAN CONTINUE TO MAKE PAYMENTS AND WILL GET THEM BACK AND SHOULD NOT AFFECT MY CREDIT AND IT HAS AFFECTED MY CREDIT. IT HAS BEEN 75 DAYS AND WELLS FARGO NO ONE HAS DONE NOTHING SPECIALLY XXXX XXXX XXXX SR.VICE PRESIDEN OF CREDIT CARD FRAUD CLAIMS DEPT. I HAVE ATTACHED THENAMES AND PHONE # S OF OVER XXXX PERSONS i HAVE TALKED TO ONES THAT I HAD FAXED OVER XXXX PAGES.
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 transaction ( s ) that I have made. 

XXXX XXXX XXXX It is the result of identity theft. 

Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

I made Equifax aware of this dispute and they have not took the appropriate steps to resolve this dispute. I ask them to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. They still have not took any action to resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX. I sent in a dispute in regards to a Credit Card : XXXX XXXX reporting in the amount of {$5000.00} ( Charge off ). I also reported the inquiries and several unknown addresses reported onto my credit report along with different variations of my name. The credit bureaus : XXXX, XXXX, and Tran union. responded with this information that is reported is accurate. I provided pertinent documentation proving my innocence on this account along with second Account they are reporting on my report which is fraudulent. XXXX XXXX. They refused to reinvestigate the matter. I again in XX/XX/XXXX presented pertinent evidence that non of the inquiries and/or XXXX fraudulent account belonged to me : XXXX XXXX and XXXX XXXX. In XX/XX/XXXX, they ( credit bureaus ) stated they will not remove any of the information as it is verified. I provided again in XX/XX/XXXX a police report stating the facts. The XXXX accounts along with inquiries and variations of name, and fraudulent addresses. The credit reporting agencies yet again stated they will not remove this information. This is causing a major hardship for me and my family. I have contacted on number of occasions via phone and mail to all parties involved and wish for this matter to be resolved as soon as possible.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with XXXX with the account number XXXX but I was never late on making my payment. However, the 30 days late which was tagged in the month on XX/XX/2021 was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.
Product: Credit card or prepaid card

2019 Synchrony Bank came up with bogus reasons to cancel ALL of my Synchrony credit cards 1. Old Navy {$500.00} 2. XXXX XXXX {$7000.00} XXXX. XXXX XXXX {$1000.00} 4. TJ Maxx {$1500.00} When almost {$10000.00} in credit is taken away and the consumer 's credit to debt ratio is seriously impacted, we seem to have no rights to reverse these decisions. Believe me, I tried. I just got more letters saying " refer to the terms and conditions of your cards ''. We are able to do this and we don't need to let you know the reasons. Really? That is not fair and the consumer is out of luck altogether.
Product: Debt collection

Company is calling my client and threatening to serve her with a non-existent lawsuit. Gave a fake " case no. '' to imply litigation was filed when it was not. Will not disclose loan details or provide verification of the debt pursuant to the FDCPA and is making illegal third party contacts by calling and harassing friends and family. Is threatening and rude and engages in deceptive practices. Pretends to be lawyers or a law firm - they are not.
Product: Mortgage

Hello, We closed on our property on XX/XX/XXXX. Our loan was transferred to Fay Servicing soon after. Somehow, we did not receive a tax bill for the year. Upon visiting our county website, we found that Fay had covered our property tax bill of {$7000.00}. We contacted Fay Servicing and were provided the option to pay the bill online. 

On XX/XX/XXXX, on the Fay website, we selected to make a payment to escrow to cover our property taxes bill which Fay paid. On the Fay servicing website, we selected the option to apply the payment of {$7000.00} to our escrow account in order to repay the tax bill. There was an option to apply the payment to principal - WE DID NOT SELECT THIS OPTION. My husband and I are tech-savvy and were careful not to make that selection. 

In early XXXX, We received notification from Fay that our mortgage payment was going to be increased due to now having been placed in escrow. Given we made a payment to avoid this, we contacted Fay. We were then informed that the payment we made to escrow was applied to the principal, not the escrow as we selected. In addition, they are now going to add an escrow account and increase our mortgage payment from {$5400.00} to {$7000.00}. We did not sign off on this. We asked Fay to reverse the principal payment as that was not our error or what it was intended for. The team informed us they were unable to reverse the principal application because the funds had already been disbursed to investors. Theres been an error in how Fay Servicing applied our payment. We have contacted Fay Servicing several times in the past few weeks to resolve this issue to no avail. We called and were asked to call back on XX/XX/XXXX, then when we call to follow-up, were asked to call back on XX/XX/XXXX, then we followed-up and were asked to call back on XX/XX/XXXX. Again on XX/XX/XXXX and was told they had put in a request and to call back on XX/XX/XXXX. It seems they have no intention of resolving this issue and instead are attempting to force us into escrow. 

We have informed Fay of a Notice of Error and have asked Fay to have the payment we made ( {$7000.00} ) applied to the initial tax payment as intended and have the escrow removed. We would appreciate your attention on this issue, thank you.
Product: Debt collection

In XXXX of this year, my wife of XXXX years of a happy marriage passed-away from a long, lingering illness. As is the case with such long marriages, we had divided our household responsibilities and assumed the care of various elements individually. 
In this case, my wife took complete care of all our finances, including banking, installment loans, credit accounts, utility bills and the like. I had no input or knowledge of such activities during our long marriage, except to say that I trusted my wifes judgment in such matters completely. 

Upon her passing, I had to take over the responsibility for such matters myself. Although she left me good records, I was not privy to her decision-making process, and so I did not know the particulars of any such matters. This is not to be construed as a criticism of my wife, it is only a statement of how we conducted our affairs as a couple. 

Upon researching our banking and credit matters, I discovered that my personal credit rating was rather low, and I found that I was being associated with an unpaid debt, XXXX which I found no mention of in my wifes financial accountings. 

It is about this alleged debt that I write to you today. Midland Funding has a claim against me on my credit report. I have asked them, in writing, to substantiate that claim, but they have never done so. By that, I mean I have asked them to send me any evidence that I personally participated in this alleged account. 

I have asked for anything that evidenced a signature, a contract, anything that I might have personally done to incur this indebtedness, but they have not provided that to me. They send fragments of computer records, but those are so susceptible to fraud as to be unreliable indicators. 

I have disputed this alleged claim against me several times, using the credit reporting agency dispute process, but Midland simply says that their records are correct. Their continued reporting of this alleged debt against me, without proof of my involvement, continues to defame me and reduces my creditworthiness. 

Therefore, I have taken this extreme measure to ask that the people to whom I have addressed this letter require Midland to either produce concrete evidence of my personal involvement or remove the claim from my credit report. 

With respect, I sincerely request that the claim against my reputation be removed if Midland can not substantiate it against me personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I get a call, ignored it. They left a voicemail. Didn't call back because I could tell it was a scam. Next day I get a email notification of new activity on credit report. XXXX XXXX XXXX put a fraudulent collection on my report. Claiming I had a magazine subscription back in XXXX, paid for 3 months at XXXX or XXXX month and then quit paying. That I now owe them {$910.00}!!! Mind you it is now XXXX, 5 years later.. I never subscribed to any magazines whatsoever! So I asked him who the original creditor, very hurriedly he said the name so that I couldn't understand him 2 times. 3rd time I asked him to slowly say it.. He proceeds to tell me it was XXXX XXXX XXXX XXXX. My credit report had it as ( 01 XXXX  ). So I googled XXXX XXXX XXXX XXXX and nothing came up. I googled XXXX.. Also nothing came up related to publisher center incorporated. Scam scam scam! I googled XXXX XXXX XXXX.. Right underneath them is a XXXX post with many people having the same story and description as I have with similar money amount ( always under {$1000.00} ) with the 5 year difference and with similar and different fake 3 letter companies such as ( XXXX  ) as well as on the XXXX  site. I disputed the reports and just like other people the credit agencies don't do anything!! So next step is to file for identity theft and I got a police report and I'm sending that in now to get these scammers ( XXXX XXXX XXXX ) blocked and removed from my credit report. They need to be stopped and arrested, based off the other people this has been going on for 2-3years now!!
Product: Credit reporting or other personal consumer reports

After looking through my credit report I saw inquiries that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

This will make my third time having to file a complaint on all three bureaus they report back to the CFPB that its being worked on and its not actually being worked on a follow up with phone calls I keep getting people from overseas dont understand XXXX and then when I do get a hold of them then they take me through like Im not the one here being exiled for someone using my identity, So as I have spoken with a supervisor at all three credit bureaus XXXX XXXX XXXX XXXX Experian and they all have ask that the FTC affidavit be attached with the email from the police report saying that it was approved as well as my drivers license and my social and proof of residence I have attach these items to this after sending it in for the third time I hope this is what youre looking for. Most of the items of The items have been removed XXXX XXXX  closed account is on a police report it needs to be removed immediately as well as a XXXX collection for {$1100.00} that is to be removed immediately this is what was discussed it all three are documented in my account but this is all that they were waiting on to have these items removed blocked delete it thank you for your time. I have attached all of the items that were sent to each individual credit bureau three days ago will sign confirmation cards that they have been delivered.