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

I started working with a credit repair XXXX by the name of XXXX XXXX in XXXX of XXXX. I allowed them to access my personal information and attempt to correct credit errors and repair on my behalf. It was a paid service, so I was expecting a successful outcome. The named did not only place a freeze on my report, but ran my credit through several different companies and opened up phones in my name. I have tried to contact this person, but they have XXXX any contact info I had and is M.I.A. Now I am finally trying to buy a car in my name and my credit is terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed account down below has violated my federal, consumer rights to privacy and confidentiality under 15 USC 1681. 
*XXXX XXXX Account # XXXX- Has violated my federal, consumer rights. 
1 ) 15 USC 1681 Section 602A- I have the right to Privacy 2 ) 15 USC 1681 Section 604A- A consumer reporting agency can not furnish a account without my instructions.

3 ) 15 USC 1681c. ( A ) ( 5 ) Section- No consumer reporting agency may make any consumer reports- containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes with antedates the report by more than seven years.

4 ) 15 USC 1681S-2 ( A ) ( 1 ) - A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX # XXXX has violated my rights. 

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
Product: Debt collection

The first dispute occurred while I was on XXXX XXXX for the Military in XXXX and XXXX of XXXX. I was not allowed to use a computer or able to access my mail to pay my XXXX card bill during this time. I made a dispute with all 3 credit Bureau and XXXX XXXX and they refuse to help or remove the error based on the circumstance. My account has been paid and in good standing since then and shouldn't be on my credit report due to the fact that I was not aloud to use a computer per orders from the XXXX XXXX at the time. I have uploaded my orders to this file. 

The second dispute I have is with a company called FIRST FINANCIAL ASSET Account XXXX which was just placed on my credit report as of XX/XX/XXXX. The debt is from a company called XXXX XXXX. They say that I owe them {$1100.00} for a normal physical I had got last year XXXX. A physical that my XXXX insurance should have paid for. Even XXXX shows I had active and valid insurance during this time. XXXX had sent me a bill for this physical for {$260.00}. I made a complaint with them about this because was and issue with my XXXX insurance not being active at the time because I had just got off XXXX XXXX orders in XXXX of XXXX. I ended up paying the out of pocket cost of {$260.00} back in XXXX of XXXX. I uploaded and provided a screen shot of the paid bill and a XXXX balance on my XXXX account per their app. Which is the same cost for the physical that I had one month ago.
Product: Credit card

On XX/XX/XXXX I filed a dispute with current banking for {$180.00} I ordered shoes from XXXX XXXX XX/XX/XXXX and the shoes was never received sent screenshots from me and merchant to current banking and sent in screenshots of the shipping number XXXX XXXX gave me which it shows iteams where never received yet current banking on XX/XX/XXXX denied my dispute for no reason and when I ask why they just say the choice was on they dispute department ( other words they dont know ) and I need my money this was my birthday money
Product: Credit reporting or other personal consumer reports

reporting 30 days mortgage payment late which it was not late it was on time
Product: Debt collection

I had a vehicle repossessed that was originally financed with XXXX XXXX XXXX XXXX. The vehicle deficiency debt was purchased by Cavalry Portfolio Services. This past Wednesday I had a consultation with a consumer protection attorney and provided all information and paperwork regarding the repossession and was informed that XXXX XXXX XXXX XXXX did not follow Texas state statutes regarding my due process. At the time of the repossession my residence was in Texas but I was XXXX. Therefore the debt should not be on my credit files.
Product: Credit reporting or other personal consumer reports

Inquiry on transunion from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on transunion from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on transunion from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX XXXXXXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting an inaccurate bankruptcy to the credit bureau
Product: Mortgage

I had a mortgage with wells fargo during pandemic. Over a period of several months or more my home was scheduled for foreclosure and then would be removed prior to scheduled auction date. I made many attempts to negotiate with bank never resulting in successful agreements. Because of the pandemic and wells fargo refusal to work out any agreement with me my home was sold at auction on XX/XX/2022 for a mere {$190000.00}. The person who purchased it intended to flip it and sell for at least {$450000.00}. I was stripped of my home ownership status and was actually improperly evicted from home after purchase. Nobody would help me and nobody ever directed me to any resources available that would have aided me in retaining ownership of my home. 

I only just learned of lawsuit against Wells Fargo and was advised that said suit may relate to homeowners with mortgages financed by Wells Fargo. If I meet the criteria or can be added to any potential suit please someone provide me with any available information and I will pursue any potential rights I may still have. 

Thank you,
Product: Vehicle loan or lease

This company claimed i signed paperwork as a joint acct.. and i didn't..they took my signature and ran me as the primary because my income was greater,, i was told they would only use my income to help applicant get loan and my info would only be used for identification purposes for income and in would no way be on the loan.. When loan was finalized they had use my signature as the primary applicant and would n't remove me, ,would n't send me a contract of where i signed as a primary and now have my in credit bureau for a repo .... If you look at paperwork you will see i never signed the primary or joint applicant part of the loan .... 

Creditor Information VW CREDIT XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with XXXX to take payments for vending art and merchandise at local events. It started out great, and i made many sales! But then i went to verify my bank account, and they deactivated my account. I tried their text chat, and they refused to help me stating it could only be done over phone. I called, and they refused to talk to me or tell me what was wrong and they stated I could only contest the deactivation through the email they had sent me. i emailed, and it stated I had waited too long to respond so my reply was denied. I was notified I'd have my money in XXXX months, but I don't understand why they took my money for XXXX whole months, refused to tell me anything, and my account is gone. 

I'm not a scammer or anything, I don't understand this. I just wanted customer service, to fix whatever the issue was, and to get my money and use them for future events. 

I have since made a fully functional account with XXXX XXXX. But I still do not have my money from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

the bureaus stated my account was properly investigated but that has proved to be inaccurate seeing as i have accounts reporting on one of my reports and not others and also have incorrect dates and loan amounts as well as inaccurate information regarding funds i recieved and or illegal obtainment of private information also threats of legal action like imprisonment 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 consent 15 U.S.C 1681n civil liability for willful noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple incorrect addresses on my report. 

Four addresses related to Post Office Boxes that have never belonged to me. 

Incorrect employment record : I did not work for either XXXX and XXXX or XXXX and XXXX in 2004 Finally, this is the only credit bureau that has seen fit to invade my privacy and report 7 phone numbers!! Most of these are not even mine and I want ALL OF THEM REMOVED!
Product: Credit reporting

Tranunion reported me 30 days late after showing proof of paying my never late auto on time
Product: Debt collection

Midland Credit Management Inc has filed a second law suit threatening to garnish my wages in an account Im already paying them on. Upon an agreement through the XXXX XXXX XXXX court I pay a specified amount monthly. They have been taking money out of my account until XX/XX/2022 stating that they can not access my account now. I have mailed in payments via money orders priority mail to keep my agreement. I am constantly being told the IT department is working on the problem yet the issue is still not resolved to date ( XXXX ). Now they are suing me for the same account Im paying on which I have proof of payments to the company. No one is trying to fix the problem. It shouldnt take this long to fix an alleged IT issue which is damaging my credit even further. This is very stressful to say the least. This problem is affecting my financial situation with receiving my XXXX XXXX  loan because they refuse to fix the issue and grant me the documentation needed to obtain my XXXX school loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account belongs to a Company it is a Corporate account. It has been open for three years now it was never reported to my personal credit. Now out of spite because the account was 30 days late the bank has reported onto my personal credit.
Product: Mortgage

My husband applied for Social Security XXXX ( XXXX  ) benefits in XXXX due to XXXX  XXXX  issues. Despite submitting extensive XXXX  documentation, we never received a denial letter. Instead, we were told we could appeal, which we did. However, the appeal was denied, and we were informed that the only option was to go before a judge. 

In XXXX, we received a call from the Social Security Administration ( SSA ) stating that they could give us another review. They quoted an amount and requested my husband 's bank account information. However, instead of processing the application, they deleted all his information from XXXX and started a brand-new application. 

Mortgage and Foreclosure Issues We fell behind on our mortgage payments due to the delayed processing of my husband 's XXXX  application. Our loan company, XXXX XXXX XXXX 's XXXX ], put our house in foreclosure, with a sale date set for XX/XX/XXXX. However, we recently discovered that the loan company had filed a partial claim on our mortgage without our knowledge or consent. This has further complicated our situation and limited our options for resolving the foreclosure. 

Current Efforts We are currently working with the U.S. Department of Housing and Urban Development ( HUD ) to obtain the partial claim on our mortgage. We hope that this will help us avoid foreclosure and stay in our home. 

Timeline 1. XXXX : My husband applied for XXXX  benefits. 
XXXX. XXXX : We received a call from the SSA offering another review. 
XXXX. XXXX : The SSA deleted my husband 's information from XXXX and started a new application. 
XXXX. XXXX : Our loan company put our house in foreclosure without disclosing the partial claim on our mortgage. 

Actions Taken 1. We submitted extensive medical documentation with the initial SSD application.

2. We appealed the denial of benefits.

3. We provided bank account information for the promised SSA review.

4. We contacted our loan company to discuss foreclosure alternatives, but they did not disclose the partial claim on our mortgage.

5. We reached out to HUD for assistance with obtaining the partial claim. 

Current Situation We are facing financial hardship due to the delayed processing of my husband 's XXXX  application and the loan company 's actions. We are seeking urgent assistance to resolve this situation, save our home, and obtain the XXXX  benefits my husband deserves.
Product: Credit card or prepaid card

PayPal credit was opened on XX/XX/XXXX in amount of {$1600.00}. the address that was used for this, I had not lived there in XXXX  years. I did not know about this until XX/XX/XXXX and contacted PayPal and synchrony bank and disputed the charge. Neither company could tell me what the charge was used for either.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the recent actions taken by XXXX XXXX XXXX, XXXX XXXX, and XXXX in connection with my credit file and credit reporting under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681o. I believe these entities have failed to comply with their legal obligations, resulting in potential civil liability for negligence. 
According to the FCRA, entities such as yours are required to ensure that any information provided to credit reporting agencies is accurate, complete, and updated. Specifically, you are required to investigate disputes in a timely and thorough manner and correct any inaccuracies promptly. Please be advised that under 15 U.S. Code 1681o, if it is determined that there was negligence in your handling of my dispute or failure to comply with the FCRA, you may be liable for damages, including actual damages, statutory damages, and attorneys fees. If this issue is not resolved promptly and to my satisfaction, I will not hesitate to pursue further legal action as necessary. 
I expect a response to this dispute within the timeframe prescribed by law ( typically 30 days from the receipt of this letter ). Please consider this letter a formal request for investigation and resolution. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

President Biden approved my student loans to be forgiven XXXX sent me a letter stating two of my three loans have been forgiven. They then reported late payments to the credit bureaus but the information isnt accurate. Ive been in forbearance for a very long time. I have no late payments.

They also issued a letter stating these two forgiven loans would be removed from my credit report within 30 days and that hasnt happened yet.

I need them to remove the late payments that they added which arent correct. I also need them to remove the two forgiven loans from my credit report
Product: Mortgage

I paid for a home appraisal with Intelliloan and it was done. I had another mortgage company ( XXXX XXXX ) come in with a lower interest rate. I then I asked Intelliloan to transfer the appraisal to XXXX XXXX. They refused to do this saying that their company policy was that they only transfer FHA or VA appraisals. I think this is outrageous because I paid XXXX dollars for the appraisal. It is mine, I paid for it! Since they wont match the offer, there is no reason why they should not transfer my appraisal.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage lender Wells Fargo is denying me access to government programs that I qualify for and as a result I am facing a foreclosure sale date. I went through a temporary hardship and am financially sound again. I have tried for months to get Wells Fargo to work with me on my USDA loan and to consider me for a modification, forbearance or even a repayment plan but I can't get any traction. They are constantly changing account managers, losing my paperwork and not even taking notes of my multiple interactions with them. Instead of working to help me their collections department is hammering me with calls demanding I pay up all day and night at all hours. I became so frustrated that I asked for a reinstatement amount so I could try and wipe this out but they could not even provide this for me. I believe their obstruction has been intentional. My USDA loan is backed by a government agency and there are multiple programs available to help people in my situation. Why is Wells Fargo treating me this way? 

I worked hard to buy my home. I have been a XXXX for 17 years ( I XXXX XXXX, XXXX   and XXXX ). In 2016 I was involved in a custody battle for my daughter which took considerable financial resources from me. At the same time I switched jobs and this led to a lower salary. In the past I had supplemented my income by working as a XXXX and receiving a stipend, but due to my son 's XXXX I was unable to continue doing this. All of these events coincided into a perfect storm and led me to default a little over a year ago. I immediately began trying to contact the bank agents to work something out and was assigned an account manager. I submitted all of my paperwork, but when I tried to follow up the account manager had changed. This happened on several occasions -- no one knew what was going on with my application, I would call a couple of days after having spoken to someone and there would be no notes regarding the previous conversation. It was completely unorganized and I was not able to make any progress. 

I don't know what else to do, I have submitted my paperwork several times and when I try to follow up I have a new account manager who says they don't have my paperwork and tries to make me start over. Out of frustration I have requested a reinstatement amount so that I can try and end this nightmare but I am not even able to get this information out of Wells Fargo. Instead I have been pushed into an avoidable foreclosure as they scheduled a sale date earlier this month. 

My hardship was temporary, I am in a better place financially and have more financial resources. I deserve the chance to be considered for these programs and want to save my home. Please look into the way that Wells Fargo has handled the servicing of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.
Product: Credit card

I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than XXXX business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in XXXXIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account number XXXX, a collector for XXXX XXXX XXXX is trying to collect a debt I do not owe and is wrongfully appearing on my XXXX  credit file. 
At the time of service I had XXXX, XXXX XXXX XXXX XXXX, A GOVERNMENT INSURANCE that I have had most of my adult life and that was in full force and effect. 
The treatment was for XXXX XXXX XXXX XXXX that was completely covered by insurance.The insurance person at the hospital came to me after doing the paperwork and said regarding the insurance '' ok, everything is fine. ''
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681 which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceedings. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensureTransunion complies with federal law and provides consumers with the necessary proof of investigation. I have made several request for the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX