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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

This account is too old to be reported on my credit reports. ACCOUNT SHOULD BE REMOVED 3 YEARS FROM THE DATE OF THE LAST TRANSACTION per the FCRA and the debt collection statutes in the state of XXXX the debt should be removed 3 years from date of last payment which is XX/XX/XXXX. The longest amount of time allowed for a lender to display an old account is 6 years from the date of the last payment and that is for mortgages only, but even using that date this item should have been removed in XXXX XXXX XXXX. I have requested proof of the debt, proof of ownership of the debt, a signed contract or agreement between myself and the lender, any other documentation showing this debt is mine, the dates of the debt, and the lender has failed to respond at all. They have not provided any proof of ownership of debt and they have not removed the item due to the date of the last reported transaction on the account being more than 6 years ago.
Product: Mortgage

on 2nd week of XXXX I was contacted by a rep XXXX XXXX that had been designed to help me do a Loan Modification the 1st modification was completed but told by this rep that I had been denied but that I was approved for the Obama program with lower payments and lower rate. but that I had to start another trial payment to which I disagree bcs I thought it was not fair and I never asked why I was denied. I started the 2nd LOAN MODIFICATION and assure that as soon as my first trial payment was done I will received the doc which were never received & these payment were process thru XXXX and send to various rep, stated they were DITECH attorney & also asked to buy XXXX  gift card to complete my first XX/XX/XXXX payment. On XX/XX/XXXX I reachout to DITECH and reported what had happed to XXXX XXXX XXXX XXXX I was transfer to speak to a supervision named XXXX she stated that I needed to make a police report which and did and was told that I was going to be contact by one of her staffs or I will receive papers by mail and she also stated that my doc were denied because they were late which is was not true but I have done is follow up with no success. Yesterday I received a call from a rep XXXX XXXX stating that I need to make a payment for the escrow for {$730.00} but since my acct is not active I need to purchase and XXXX gift card and and he also told me that my account w/b transfer to XXXX XXXX XXXX bcs DITECH has file for bankruptcy as of this Monday. I stated that I did have faith in what was going on an I took his contact # but told him I call will him. Then I received a call yesterday from also a rep that initially when I called to confirmed if XXXX XXXX was a rep with DITECH he transfer me to him when I called in early XXXX to make sure it was not a scam. Yesterday he told me that if I was looking for XXXX XXXX that he had information about him and I stated I was not looking for no one, e called but he stated what would be his benefit if he gave me information about him & I stated nothing but he called me I did not called him and hand up. ( payment proof w/b provided upon request ).
Product: Credit card or prepaid card

XXXX Called customer service regarding {$59.00} annual fee. Requested that the fee be credited back to my account. 
The woman I spoke to claimed to be a manager and told me that she was unable to help but if I wanted to close my account, she would be happy to close it for me. She said that is something she would be happy to do - PULL THE AUDIO!!! i XXXX am Eastern time zone on XXXX. 
I have been a GREAT customer for years! Probably alot longer than this rude woman has been employed there. There is no way to submit a complaint thru Capital One so I decided to contact cfpb. Capital One should know that this manager is rude and driving their customers away and challenging customers to cancel their Capital One credit cards.
Product: Bank account or service

Wells Fargo Bank partially locked access to my online business checking account. No reason stated. No reason it would be partially locked. If I wanted full access I was told to call them. In order to verify my ownership of the account they began asking me a series of questions regarding myself. Multiple choice questions about my previous addresses, personal partners, non existent XXXX bills ... basically an information fishing expedition gathering big data that has nothing to do with my account. Information that I would have never needed to divulge to set up the account. When I complained about the fishing expedition, my account was instantly unlocked even though I answered none of the questions in the array of data collection. I think this activity should be investigated, find out why they are collecting the information, what are the storage procedures, if they have a policy regarding the selling or swapping the information with third parties.
Product: Credit reporting or other personal consumer reports

Within seconds experian closed XXXX complaints with XXXX different explanations for the same problem, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase is purposely not posting transactions done at the same time on the same day to charge more overdraft fees. I would have two transactions on the XXXX done within the same hour during business hours and they will post one the same day if the can charge an overdraft and the other transaction on another if the number of transactions done exceeds what their policy will enable them to charge. They have a policy where they only will charge consumers the overdraft fee no more than 3 per day regardless of transactions. They are purposely delaying these systems to take advantage of users as I have several transactions from the XXXX that posted across several different days all done within 2 hours of one another.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

In review of my Equifax Credit report I discovered XXXX bankruptcies and XXXX judgments. There XXXX items and dates of these filings are unknown and may have been filed by and against someone with a similar name.
Product: Mortgage

I have a thirty year fixed mortgage with Shellpoint. XX/XX/2015, mortgage payment increased from XXXX to XXXX. Payment was increased due to increase in escrow amount. When I refinanced the loan I was given the option of palcing any increased escrow amount to the back end of the loan.That is how I wanted the icrease in escrow to be addressed.They are also charging a XXXX service fee for processing my payment through XXXX XXXX XXXX.
Product: Debt collection

This is to dispute Transworld Systems Inc. reporting to XXXX that I currently own them {$2400.00}. I actually only owe {$110.00}, which I would gladly pay to them if they would merely communicate with me, which they have thus far refused to do. In fact, I was unaware that this matter was pending until I reviewed my XXXX credit report to discover why my credit report score had decreased dramatically. On XX/XX/XXXX, I wrote them a detailed letter with attached exhibits proving that I do not owe a lease contract buy-out fee in the amount of {$2300.00}, as they allege. However, after not hearing back from them for over one month, I sent them a second dispute letter, but this time in a manner with the United States Postal Service ( USPS ) that would require them to physically sign for it. As you can see on the attached USPS receipt ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ), I sent it to them on XX/XX/XXXX. If you run this tracking number, you will see that it arrived in their local post office on Monday, XX/XX/XXXX. As of the date/time of this complaint ( XX/XX/XXXX, at XXXXXXXX XXXX ), they have still refused to sign for my second dispute letter to them. My complaint is that Transworld Systems Inc. has never made an attempt to reach me. When I moved out of the XXXX XXXX XXXX XXXX apartment complex on XX/XX/XXXX, I left them my accurate and still current forwarding address at XXXX XXXX XXXX, XXXX, MO XXXX, which means that Transworld Systems Inc. should have had it also. My complaint is also that Transworld Systems Inc. ignored my first dispute and is currently ignoring my second dispute by refusing to pick it up at their local post office. I find it highly unethical and just wrong to report the blatantly and demonstrably false information on my credit report, even after my mailing them proof positive that I do not owe this fee. A simple reading of my dispute with attached exhibits proves beyond all doubt that I do not owe the lease contract buy-out fee of {$2300.00} that they reported. They merely refuse to address this matter with me and refuse to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several billing errors in the Truth-in-Lending disclosures section of the " XXXX XXXX XXXX and XXXX XXXX '. The Number of payments as well as the amount of payments seems to be inaccurate on the Payment Schedule, 16 CFR 433,1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : " A cash advance which is received in return for a " finance charge '' within the meaning of the truth in lending act and regulation 2, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. '' Under regulation Z also known as truth-in lending the itemization of payments should mirror the finance charge amount as it is " the dollar amount the credit will cost me. '' The next billing error is the " down payment on the itemization of amount financed. The XXXX cash payment placed as Down Payment Is in violation ot 7 CFR 1436,10 ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalt. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer, I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principals ( GAAP ). 
These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e.

All debt obligations and securities are owed to the United States 18 U.S.C 8. 

I was also told that the lender approved me but they refused to work or give an appropriate lender based on my approval. They denied my bank statements by any FDIC banking institution XXXX. They refused to give me a car based on and age and XXXX. 
They tried to hide the contract requesting the down payment.
Product: Vehicle loan or lease

Universal has my account listed as closed instead of paid. It is impacting credit score
Product: Credit reporting or other personal consumer reports

In the XXXX data brench all my information was stolen and used. With this being said I just want my cumsumer report corrected. 
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
Product: Credit reporting or other personal consumer reports

Hello for my Transunion account was exposed in a data breach as well as the negative accounts for mutiple violations they have refused to provide the date of first deliquency for each of the collection accounts that are reporting as well changing the date of last activity and reaging the collection accounts.
Product: Credit reporting or other personal consumer reports

I have requested complete documentation from both the original creditor ( XXXX XXXX XXXX  ), as well as each bureau for over XXXX years. I have requested information such as : when was the repossessed vehicle sold at auction? What was the remaining balance on the account after being sold? When will this account stop accruing interest, as it continues to accrue interest each month which significantly and negatively affects my credit score. When was this account originally opened and when did it go delinquent? What verification process was used to conduct an investigation? I have never received anything from either the bank nor the bureaus except for documents that just say account has been verified. I have been looking to get this information for several years. Since each entity that I requested this information from has failed to send me the requested documentation, it is my understanding that this account should have been removed for incorrect reporting long ago ( which I have requested for the last XXXX  years ).
Product: Credit reporting or other personal consumer reports

I dispute few accounts of my credit report and equifax keeps denying it over and over and playing games with me i want to dispute the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTED AS IDENTITY THEFT FRAUD EQUIFAX DENYING IT ON PURPOSE AND REFUSE TO REMOVE THESE ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my credit profile that wasn't open and used by me. My credit identity was stolen and used. I need these accounts deleted from my credit profile.
Product: Credit reporting or other personal consumer reports

I request your assistance with the wrong account thats currently on my credit report. This has caused significant harm to my reputation, and I urgently need your help. The incorrect reporting due to your mismanagement has left me in a vulnerable position, and my reputation has been ruined. You need to fix these issues so I can regain stability with my family.
Product: Credit reporting or other personal consumer reports

I was informed on XX/XX/XXXX on a recorded line, that my 60 day extension was approved and my next payment would not be due until XX/XX/XXXX. Recently Ive received a 30 day late notice on my credit report, dripping my score approx 50 points! I asked them to fixed the error. I spoke with XXXX with XXXX XXXX XXXX XXXX in XXXX Fl today ( XX/XX/XXXX ) and he informed that they can not change my credit, he listened to the call and it was never told that my extension was in effect and I needed to make three payments before this happened. I asked to review the call and he told me no it would need to be subpoena with the court. I asked for the extension guidelines in writing and he also said no. He stated the legal team would need to provide this. I truly feel like my consumer right are not being upheld. Please help me advocate for myself on this issue.
Product: Debt collection

The collection agency sent a letter for collection with interest. The debt is not mine. I tried speaking to the collection agency however they were not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote and sent a letter ( next day air on XX/XX/2020 ) to the Compliance Officer or credit reporting division, to request A Deletion Letter or affirmation stating that the account with CREDIT SYSTEMS INC would be removed with the credit reporting agencies. I called XX/XX/2020 to see if a decision was made and very rudely I was told " NO, that they could not accommodate this request '' ... Even though it shows " paid in full with a XXXX  Balance '', this is still affecting my credit scores among all 3 agencies. They also said " a paid in full letter was already sent out '' ..., but that was from a XXXX correspondence back from XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Checking or savings account

The bank has refused to refund my funds after merchant has failed to take the payment, its been more than a month and i had to file a complaint as my funds have not been refunded to my account the merchant has said it is not received on their end and i should speak with the bank. i have attached all supporting documents to show the funds have been taken from my account and the merchant haven't received it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the same error on my XXXX credit report, and my XXXX   credit report. Equifax won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong. 

This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names. 

The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. XXXX  and XXXX state that this account has been opened on XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card shows minimum payment due payment of $ XXXX monthly paid. The card total balance due is automatically paid off every month. Averaging {$1200.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 10 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Payday loan, title loan, or personal loan

Hi, my name is XXXX XXXX. I am a current customer of td bank. And I applied for a td fit loan on XX/XX/2022. As a result, after I provided information for the loan. XXXX of the agents demanded more information need to be submitted as this is not the first time I received a td fit loan but this is the first time I was treated with disrespect and discrimination regarding what needs to be submitted So I stated that I am not home at the time she wanted me to submit the required information I will do so when I return home. As I got home and logged into my application and it was an automatic denial stated something in my credit report which was untrue. So I called the td fit loan department and they stated they couldnt verify my identification which was also false. This is disgusting how your employees represent your company in this type of manner and it is unacceptable.
Product: Mortgage

TO WHOM IT MAY CONCERN. As you requested that your office be updated on this case. As of now the sale date XXXX of XXXX. Mr Cooper requested all information to do a modification. All the information reqtired for the modification has been sent mr cooper. The problem is that Mr copper has not requested for the court to extend the sales date. To allow the needed time to finish the modification. We are writing to you to help us request an retention date., .We are still working with XXXX XXXX XXXX We need time to complete with that. To enable us to save our home. The court appointed a mediator. The court mediator did everything to have a work out. The bank will not corporate. The bank came up with a monthly payment of over $ 7000 monthly. Knowing very well that is not practicable. The court mediator approve for us to go to the XXXX XXXX We are now working with XXXX XXXX. They said that they will need 60 days to finish the process. Please see some of the correspondence with the XXXX XXXX. The bank now have refuse to give us the time to finish the process. They have refuse to change the sale date. The XXXX of XX/XX/2022. Please see the court information. We are appealing to your office to help us to appeal to the bank to allow the process with the XXXX XXXX And the bank recent request for all our documents to do a modification. We just forwarded all the bank requested information to the bank. The bank need to extend the sale date to allow all this process. Our situation is urgent. We appeal for your office to help us. The bank has one goal in mind., That is to write off XXXX XXXX XXXX in there tax return. They have compounded interest and other charges in the principal of the original loan amount. In hope that you will came to our rescue. Thanks in anticipation. XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Connecticut, XXXX. 
XXXX XXXX XXXX and XXXX XXXX