23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were engaged by senior specialists of Wells Fargo / ASC and presented with a mortgage modification near the end of XXXX. The opffer was incredible in that it was reducing our interest rate substantially. Our only hesitancy of doing it was regarding any credit reporting issues during the process which was going to alter the terms of the existing mortgage. We were assured in no uncertain terms there would be no negativity reported. We agreed and the process went forward. Much to our chagrin, what we were told and what took place to this day of complaint is just the opposite. ASC had & continues to report derogatory payment history, false & inflammatory on my wife 's credit history which has diametrically damaged her rating & reputations. We tried every which way to communicate to Wells Fargo executive to no avail - we were stonewalled. We have a complete file including voice recordings of the calls and documents & PDF files to support our attempts - all to no avail. We pulled a free report this date from XXXX & XXXX! There was the negativity rating my wife in the " poor '' category reporting to XXXX XXXX, XXXX & XXXX, who all refuse to do anything about it citing it is Wells Fargo / ASC 's responsibility to do so. The following is only XXXX letter / FAX sent to ASC personnel to get this cleared up to no avail! I produced a XXXX report this date for the past 4 years - not XXXX missing payment - ever! Yet my wife 's credit is assaulted and her being defiled by Wells Fargo & ASC 's actions. 

TO : XXXX XXXX ; XXXX XXXXFROM : XXXX XXXX XXXXFax # : XXXXXXXXDate : XXXX/XXXX/XXXXSubject : Negative Credit ReportingDear XXXX & XXXX ; I need your help! Please find enclosed copies of the XXXX & XXXX reports reflecting negative credit reporting under my name by ASC. As you are aware & it should be well documented in the ASC files, this was the subject of major concern by me & my husband prior to my entering into the modification program. We were absolutely assured by you, XXXX XXXX XXXX & XXXX XXXX that absolutely no negative reporting was going to be made & yet here it is. 
I attempted to communicate through the email portal on your website. What I received was a response back regarding someone else 's account information & name. It appears that someone never advised the " system '' of the agreements & goings on with the modification. I am very concerned over the period of XXXX & end of XXXX. Some of the XXXX negativity will come off this year. It is the current year reporting along with incorrect figures & balances owing to these reporting agencies that has me very, very upset. I was told along with my husband that nothing of the sport would take place & yet it did. I did everything I was told to do by ASC and yet this has still occurred. 
Please review this & contact me at either XXXX or Cellular XXXX to discuss this and how quickly this oversight can be corrected to all three reporting bureaus. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I just recently started monitoring my credit when I noticed that  Portfolio Recovery is   on my report several times. I had no knowledge of any of these debts, nor did I receive anything from them in writing until after I disputed with the credit bureaus and asked them to send me the documentation that validates this debt. Neither the bureaus or the collection agency have validated these amounts ; however, they refused to remove them. They have  XXXX  different accounts on my report that they have failed to validate.
Product: Credit reporting or other personal consumer reports

I sent a complaint to the credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

This does not conform to your restrictive guidelines, so I'm not sure this is the right category. In early XXXX I called Citibank to close a checking account routing # XXXX - acct # XXXX. The agent told me if I keep the acct open and make 3 purchases of $ XXXX within 30 days on my credit card ( XXXX XXXX XXXX  XXXX ), their offer was a {$200.00} bonus. I made the 3 purchases and yesterday I called Citi to verify my charges were " qualifying '' purchases. The agent I spoke with said " no, charges needed to be on my debit card ''. I don't even have a debit card for that checking acct. This agent said no, your purchases don't qualify. The initial agent told me purchases with my credit card would qualify. Unfortunately, I did not get the name of the initial agent.
Product: Payday loan

Checked my Checking account and noticed I had a credit for {$250.00} on the XX/XX/2017 and and a debit for {$290.00} on XX/XX/2017 from Cash Central LLC. I have never authorized any loan or was ever notified of authorization from either my bank or the lender. I contacted my bank and alerted them of the fraudulent activity as well as the XXXX major credit reporting agencies.
Product: Debt collection

Johnson Mark XXXX is attempting to collect a debt which was outside of the statute of limitations. There was so attempt to contact me with updated contact information. The Law office claimed to have served me or a person at another residence and filed a lawsuit against me even though I was personally not contacted. The law office started to garnish my wages11 years after the account was closed. No additional attempts were made to contact me at my residence. There had not been any garnishment attempts made prior to this. Mark Johnson LLC has not provided me with written documentation of verification of debt, name, address of original creditor, statements, previous payments, or account information.
Product: Debt collection

This company has attempted to collect this debt numerous times. I have advised this company especially XXXX XXXX that I would be willing to pay this debt if she is willing to send me a letter advising, they'll remove this off of my credit report as negative reporting like she claims they can do. I have been told on more than one occasion by XXXX that they will do this once they get the funds However, they have stated they will not send a letter to me advising this is the course of action they will do and has repeatedly lied about removing our off my credit report. Since I have no way or reason to believe she or the company will remove this off my credit repoty I have not and all not py this debt. I believe this company is using illegal tactics to get me to pay this debt by XXXX. Again, I'm willing to SETTLE this debt if they are willing to remove this off my credit report as they keep claiming they will do If they SEND ME a letter stating that they will remove it. I have no reason to pay this debt at this time. Because in 6 months this will fall off My credit report.
Product: Mortgage

Money was collected for Taxes and Insurance but I have NO idea if any of it was paid.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 ( a ) ( 1 ) : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. With this in mind, I have some concerns of codes being broken by Equifax, XXXX. Equifax and XXXX are reporting my transactional history of my credit card accounts with XXXX, XXXX XXXX, and XXXX XXXX. 15 USC 1681a ( d ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. A consumer report Does NOT contain information based solely as to transactions or experiences. My credit utilization and balances are 100 % transactional history and need to be removed from my consumer reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

I was not made aware that my debt had been sold. After finding out that it had been sold, I then asked and requested that Portfolio Recovery LLC, needed to provide some type of validation that I agreed to now pay them, after several months of back and forth they failed to provide any documentation with my signature as per FDCA. As a result my credit has been damaged because of these actions. I would like that, it be removed from my credit report immediately, or i 'll be forced to take this to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on my report that are listed are not my accounts
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX while using XXXX I started getting ads about XXXX XXXX about high profit-making investments, the scammers started urging me to join a class via XXXX, register with my government id, and gain financial freedom, this was done by way of trickery, and/or manipulation using advanced technological systems. I never suspected that these groups were fraudsters because their presentations appeared genuine. They requested payments in cryptocurrency to be paid into the account of the company, I used XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts to wire money to Coinbase for XXXX transactions. After payments were made, they ran trades that would yield very high profits and one could see their currency value increasing, plus a lot of people in the XXXX class gave testimonies on how they were making huge profits and thanked the leaders of the group for what they were doing, but soon strange losses in transactions begin to happen and the total capital and profit invested are lost completely, they use their manipulation to explain why the money was lost and promise to help in recovering total loss plus make much more profit. They still encourage one to invest a good amount to recover the lost funds faster, I never knew I was being scammed and I kept losing money, I lost a total of {$200000.00} which includes some borrowed money. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, the more I reinvested following their manipulations to recover my lost funds, The more I continued to find myself in a worse position until my eyes were opened by a family member with whom I narrated my ordeal in XX/XX/XXXX and that was the time I stopped dealing with the scammers.I later got a company that claimed to recover lost XXXXXXXX XXXX XXXX XXXX XXXX XXXX but they only took advantage of my situation, after completing the installments to help trace my lost funds, they disappeared, and I could no longer reach them via phone or email. I have been able to work with another company ( Payback ) to trace where the funds have been channeled to and have tried to reach out to Chase to recall the funds but this has been abortive as Chase says the funds are no longer available. I am bringing this case here because it has become unbearable to suffer this loss without any form of help from the institutions where these funds were made available to scammers. 



Below are the dates and amounts of transactions made between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax to let them know these accounts should not be showing open. They were closed in my bankruptcy years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive got a Bankruptcy on my Credit Report and I inquired to all Three Bureaus.. All which have stated that its accurate, how the XXXX they come up with this?, if The courts dont provide the information?.. Im tired of this XXXX, if there are inaccuracies on my report!.. They should be removed immediately!.. Whats so hard about that?. More importantly!. What was the method of verification?.. Especially, since the courts didnt give it to the Bureaus..
Product: Credit card or prepaid card

Chime closed my XXXX XXXX account when I had reached out to ask why they had reported a balance on my credit card of {$3000.00} to the credit bureaus. 

No answer was received. I have called and emailed over 30 times. All of my responses were automated. Chime supervisors hang up the phone everytime I ask what happened. 

They said I requested to close my account, which I repeatedly stated that I did not. 

They will not allow me to access my XXXX XXXX account, took my money and said they are only refunding {$30.00}. 

My credit card could only be used if I had funded it, so why are they now saying they took my money to cover a balance?
Product: Credit reporting, credit repair services, or other personal consumer reports

i have not used credit and the 3 agencies give me no score when an iquiry comes in discriminatingly against me rating me out of the normal rating range of 300 to 850 when they have a file on me and rating in the past i am a social security card holder and XXXX  years of age
Product: Debt collection

I owed XXXX XXXX {$290.00}. I paid XXXX directly but the collection agency is on my credit report. I currently have a new policy with XXXX so any past due debt that is owed to them has been paid.
Product: Debt collection

The reason for this email is in regards to a dispute that I have with XXXX XXXX XXXX XXXX in XXXX, XXXX. I moved in on XXXX XXXX of 2016 and occupied XXXX. I had the best signing experience I think any renter could possibly have and even though I do have a rather unsatisfatory pending issue, I can say that XXXX in the Leasing Office was beyond amazing. I believe in giving credit where it is due. I enjoyed 7 months in my apartment and had minimal issues while residing there. Unfortunately, my employer decided to relocate me to XXXX, XXXX and i have been here since. I submitted the requested paperwork to prove I was being relocated because my job was being moved ( eliminated if I stayed in XXXX ), and I was in correspondence with the property manager the entire time, making sure to update them on dates, issues, or even payment options for the month of XX/XX/XXXX. I moved out on XX/XX/XXXX, and turned in my key that day. I checked in with the property manager to see if there were any loose ends to be tied up before my drive to XXXX. She told me she would submit the required paperwork ( The letter from my Human Resources Department reflecting my relocation date and initiated job relocation ) to corporate and I was fine. She even told me not to pay for the month of XX/XX/XXXXonline ( like all my previous payments ) as she did not want me to overpay because I was moving out before the month began. Since then I had not heard from the property manager or  XXXX. Nearly 8 months after my departure and closure with XXXX I get blindsided with a bill from a credit collection. I asked the rep what the bill was for and she stated a fee because I left without notice. I was completely blindsided and a little set back. I had requested all information regarding the order be sent to my forwarding address had given XXXX and have yet to receive said bill, however the collection account has shown on my credit report. Im completely dissatisfied with the way this whole matter has been dealt with. The property manager, assistant property manager and XXXX all had access to my email/phone number and forwarding  address. Im not sure how or why no bill was sent to me before handing this matter to another 3rd party. I would like some type of answer or resolution to the matter as if I was given notice beforehand I would have made accommodations to reflect the balance. I even emailed the property manager the day  before my departure and day after to ask if there were anything I needed to resolve before I left and both times I received not word.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated on numerous times to Equifax, XXXX  and XXXX  in regards to the incorrect reporting of information on my consumer reports!!!! It has been well over 30 days and nothing has changed! My most recent attempt was submitted on XX/XX/2021 and there has been no response, and there has been no changes made to my consumer reports! XXXX, Equifax, and XXXX refuse to make the necessary changes to my reports, which is unlawful. Ive made several calls and submitted various disputes throughout the past year and my most recent dispute letter has yielded the same results!!!

According to 15 U.S Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer with whom it relates. This makes everything that they are reporting unlawful and these inaccuracies should have never been reported without my written consent in the first place!!!!!
Product: Credit reporting or other personal consumer reports

My Identity was stolen about two months ago, I am not aware of the suspect at this time that is responsible for the damages that has happened to my credit. I am asking that these Items that is reporting on my credit gets completely removed. These items are affecting me in such horrible way. I never gave any permission to anyone to open accounts. Please feel free to reach out to me soon as possible. Below I have provided to you My identity and my report showing proof of stolen identity.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding overdraft fees I have incurred. Despite having sufficient funds when transactions have been authorized. I was charged fees due to lagged postings of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair request an investigation into my account transactions.
Product: Credit card or prepaid card

I received a promotional offer for a zero interest balance transfer. I think that some how inadvertently and not intentionally the check was written to the same company that issued it. When this was realized the company was contacted. The explained that this happens a lot and yes they do make a profit off of it and they would not correct it. In the process of doing this .... one of the supervisors ( XXXX Employee id XXXX ) state he was the highest supervisor and that you would have to write a letter to Bank of America to get any higher than him. This is fact was a violation of their own company protocol and again the company stands to profit off of this with a complete refusal to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies has violated my rights : XXXX XXXX XXXX Acct # XXXX has violated my rights by reporting 30 days and 60 days late. 

XXXX Acct # XXXX, XXXX, XXXX has violated my rights for continuing to report a closed/settled account. 

USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, LVNV FUNDING LLC XXXX Opened XX/XX/XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.
Product: Credit card or prepaid card

Regarding my business XXXX, Merchant ID : XXXX. In early XX/XX/2022, I signed up with XXXX to accept credit card payments for my business. On XX/XX/2022 I was contacted by the business via email ( XXXX ) regarding a recent transaction. After submitting the requested documentation via email, Fiserv Risk Department decided to close my merchant account on XX/XX/2022. I also finally received a letter in the mail from a " XXXX '' at First Data ( a subsidiary and/or same company as Fiserv ) informing me of the same, with a non-working call back number of XXXX. Since then, I've been trying to contact the company via email and another phone number I found on my own ( XXXX ). My emails are ignored, and if I call the number I'm told I'll receive a call back within 24 hours yet I've been waiting over a week. According to my records, they are holding over XXXX of my dollars in the merchant account which should have been deposited into my bank account by now.