23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Repeated calls from Midwest Recovery using different phone ID information and numbers. Trying to collect a debt from someone I do not even know. Have nicely asked four different times to do not call this number because the person they are looking for I do not know. I was assured the number would be removed. They called the other day and my Pastor was visiting and they started out on the answering machine they were a debt recovery company. VERY EMBARRASSING! I am retired and do not owe anybody anything. They called again today same thing. I called back and I lost it. I was not very nice to the person I got, but I did not cuss but was firm. Your company needs to a better job of getting the phone numbers for the correct people they need to contact. I'll be dad gum if they did not call back again within 1 hour this time caller ID showed a pay phone. This is harassment!!!!!!!!!!!
Product: Mortgage

I just called CFPB via telephone ( XX/XX/XXXX approx. XXXXXXXX XXXX XXXX and spoke with a representative, who advised me to just pick any topic and then proceed with my complaint. None of the choices applied to my present concern ( s ). This complaint is in reference to the recent Wells Fargo {$3.00} XXXX settlement for various wrongdoings against their customers. Well, I was, unfortunately, a customer of theirs during the time period in question from XXXX through XXXX. I even filed a complaint with you against them back [ Visa account ] in XXXX ( case # XXXX ) for placing an unwarranted " LATE PAYMENT '' blemish on my credit report for 7 years, causing me all sorts of problems obtaining credit during that time span. And I also had a conventional mortgage with them as well ; both credit card and mortgage accounts fall under the eligibility mentioned in said settlement ramifications. 

But my concern is that I don't reside at any of the addresses that they last have for me ; and it's noted that some customers were notified and awarded monies per this settlement, yet I haven't received any form of contact as of yet.
Product: Credit reporting or other personal consumer reports

I want to inform the EXPERIAN Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. 
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: Checking or savings account

Hello, I have been with Bright Money for a few months now and I have no had an issue until this month. This XXXX, I've noticed that I've gotten returned checking fee at an alarming rate. At first, I didn't think nothing of it. Until it started to stack up and suddenly I'm getting hit with XXXX, then XXXX and now almost XXXX in overdraft fees. I've talked with my bank and putt in a stop pay on them and they still managed to charge it through. I've talked with one of their reps and they assumed me that I wouldn't be charged any more on XX/XX/XXXX. It's currently Saturday, XX/XX/2023 and it's frustrating because I feel like my whole checks are going to be eaten up. All this month, I've had Bright Money charged my account to proc an returned check fee without my knowledge. 

The returned checking fees started on XX/XX/XXXX. Then it charged me again on XX/XX/XXXX, XXXX, and XXXX. 

My bank statement for XXXX is not ready as of the moment, but I am willing to provide the statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to clear up the errors made by XXXX XXXX XXXX on my credit report from the ( 3 ) bureaus ; XXXX, XXXX  and Transunion. I was notified by XXXX  XXXX XXXX back in XX/XX/XXXX ; that they agreed to clear the late payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I again, notified XXXX XXXX XXXX, that the late payments are still open as >30 days and as agreed was not removed from the ( 3 ) Bureaus. I was then advised by XXXX XXXX XXXX on XX/XX/XXXX that, it is up to the Bureaus to correct and I should file a dispute with them individually. I have followed the guidelines and have followed up with the agencies with no resolve.
Product: Mortgage

My XXXX payment was showing 60 days late and my XXXX payment was showing 30 days late even though I enrolled in Autopay when I signed all my mortgage documents. It took several phone calls with UWM to find out they had the wrong routing number for my bank account.. ( this was provided to UWM by XXXXXXXX XXXX who sold my loan to them ). After we found out what happened and realized the late payments were not my fault they fixed my XXXX payment reporting. I requested they also fix my XXXX payment because it was showing late for the same exact reason.. They fixed my XXXX payment but not my XXXX payment even though we had discovered what happened and fixed whatever issue was going on with my account info they received. When paying the total amount overdue to make my account current they made me pay late fees. I have never missed a payment on anything and am deeply concerned with the gross negligence and mishandling of customer information between these two mortgage companies. This has ruined my credit score and I am having issues getting this fixed with UWM.
Product: Debt collection

They wont stop reporting to experience XXXX  and XXXX  already took off. It has been 9 years since the card was charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Kindly assist me in correcting this account : XXXX XXXX XXXX XXXX Balance : {$10000.00}.
Product: Credit card

I have a JC Penny Charge Card and have had it for more than 30 years. For many years I have kept this card at a zero balance. I used the card only to keep it active and did some minor charges in XXXX 2015. For the record, on XXXX XXXX, 2015, I thought about my account and realized that I did not receive a statement from JC Penney. So I went on line, and checked. Much to my amazement I had a payment due on XXXX/XXXX/2015. I called JC Penny on Friday XXXX/XXXX/2015 and told them that I did not appreciate their deceptive tactics which is not sending me a statement at all and then popping me with an {$18.00} late fee. I told them that the only reason I was contacting them was to inform them that I am reporting them to the FTC for deceptive credit practices. The late fee is really a non-issue, the issue is JC Penney Credit is conducting deceptive credit practices, I am reporting it, and I expect the FTC to take note and take appropriate actions to protect other consumers. 
Also for the record, my XX/XX/XXXX JC Penney statement arrived a few weeks ago as it should and I paid on time as I should. It really helps out consumers a lot when we are mailed our statements and are informed of the due date. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan

Re : Your Application for LendUp 's Credit ServicesWe 're sorry. We can not approve you for credit services at this time. Please understand that asa XXXX Business XXXX XXXX XXXX, we provide as part of our credit services a guaranty on behalfof consumers for whom we arrange loans with third-party lenders. We therefore assess yourability to repay the loan you desire in determining whether to provide our credit services. 
While we are working hard to find a solution for every consumer, we regret to inform you thatwe are unable to offer you credit services at this time. 
Your application was processed by a credit scoring system that assigns a numerical value tothe various items of information we consider in evaluating an application. These numericalvalues are based upon the results of analyses of repayment histories of large numbers ofcustomers. 
The information you provided in your application did not score a sufficient number of points forapproval of the application. The reasons you did not score well compared with other applicantsmight include : Unable to verify the supplied bank account information
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to Equifax via certified mail, disputing information that I did not recognize and or find to be accurate on my credit report. The letters I wrote to them were left with an agent of the company per XXXX tracking. Afterwards, more than 60 days later, did not receive any indication from Equifax that the disputed information was under investigation, nor did I receive any investigation results. I gave them plenty of time to get back to me. I do not believe a proper investigation took place for the following items : 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 Also, I am concerned that my right to privacy is being violated. I have no idea how these companies obtained my personal and nonpublic information such as my social security number to be able to furnish the information that they are reporting. I have requested documents from the companies above, and to this day, I have never witnessed any physical documentation baring my signature, nor did I receive any clear and conspicuous disclosures that were allegedly signed by me consenting to opt into reporting, which I have requested. I just want to make sure everyone is following the law and that you, the supervising body of the XXXX XXXX XXXX, are helping to ensure that my right to privacy is being respected, as well my right to fairness and accuracy. I am requesting that the accounts be deleted due to these matters. I do not consent to E-Oscar.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I logged onto my Chase App on my cell phone and saw 2 transactions that I was not responsible for. I browse to see where I can report that I didn't make those purchases when I click on a tab a message stated that I can call customer service and the XXXX # was listed and it also stated that someone will call me. So later that day I received a call from a XXXX number the person stated that they were a Customer Specialist working for chase and they see the inquiry that I put in and that they also see a fraud with XXXX on my account. The man stated to me that he needs to complete a reversal on my account. He also sent my cell a text, the text stated Chase on it which really had me thinking that I was speaking to a Chase Bank Employer. He instructed me to take the funds from my Savings account and input it into my checking account then transfer the funds into another account. Which I had no idea I was throwing away my hard earning life savings of {$9500.00}. Apparently my funds was deposited to a XXXX  XXXX XXXX Account. 
After speaking to a family member who thought that it didn't sound right which I was still confident that I was being helped. I called Chase to see if I did in fact received a call from them they told me no and that is when I placed the complaint and ran to the nearest branch. No one spoke to me on the matter at the Branch they just put me on the phone with Chase Claim Department. Instantly I placed the claim on the same day as the transaction ( XX/XX/XXXX ). This evening on XX/XX/XXXX I called to find out what is the status of the claim and I was told that I will not get my funds returned to me and it was not found to be fraudulent because I completed the transaction. I'm confuse It didn't matter that this occurred because I prompted the Chase App. How is it possible that I reported a fraudulent transaction through the App and received a fraudulent call? That is what alarms me the most.
Product: Credit card or prepaid card

I made a payment on the closed credit card account with XXXX XXXX/comenity bank. the post office confirmed the payment of {$150.00} was delivered on XX/XX/2020 but no payment has been updated to reflect the correct lowered balance. They have received my money and have not posted to the account.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible. 
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: Debt collection

On XX/XX/22 received a letter stating I owe a certain amount to a creditor, however, does not contain debt validation. They state I owe {$2000.00}. I have no intention on paying this debt as it does not belong to me nor is there a contract that I signed with creditor. They did not provide a copy of original creditor having my signature on that contract
Product: Credit card or prepaid card

I have been going back and forth with Chase bank about a dispute of {$1800.00} I was on vacation in XXXX XXXX. The first day I was there I went to exchange USD for XXXX  currency. I used my chase card entered my debit pin at a foreign bank trying to withdraw {$100.00} the teller told me my card was not working they swiped and used chip multiple times. My phone was buzzing showing the withdraw had taken place. I showed them my phone saying it took the money from my account please give me my money they would not give me my money because they said it was declined. I started getting mad. My first day here and they pretty much wiped me out I was arguing back and forth with them they surrounded me with guards and guns. At that point I said even though I have no money left I was at a all inclusive resort so I had to wing it.I will have to XXXX it up shut my mouth and walk out. I did not want to be locked up abroad so I waited to dispute my transaction with chase when I got home because they also took down my hotel room number. Chase refunded the money 2-3 times and took it back in and out of my account over a few month period causing me to go major negative. I fought and fought with them I provided everything showing them I did not withdraw that amount. The merchant forged my signature and sent that as proof to chase the signature is a scribbled line not even close to my signature. They said back office is closing my claim and there is nothing I can do I totally got XXXX!
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. It is the result of identity theft. Please delete and block the accounts listed for XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of this account for me to review the exact date on which the late payments and collection were posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX  XXXX XXXX  showing a 30 day late on transunion. The creditor requested that they remove it and ALSO gave me a letter stating the same. I provided this letter to transunion and they are refusing to remove the delinquency.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/year>
Product: Credit card

I needed to book a flight on XXXX XXXX on XX/XX/24 and was in the process of doing so when an advertisement from Citibank came up offering {$400.00} in credit and XXXX bonus miles for signing up, getting approval, and booking the flight with their XXXX XXXX XXXX XXXX. The advertisement even went as far as to show the cost of this trip inclusive of the {$400.00} credit. I applied, received immediate approval and was given a hyperlink to click on to access my credit card information, Clicking on the hyperlink resulted in a XXXX error code, " file not found. '' I was therefore not able to access the credit card information needed to book the flight. I called customer service, Concierge services, application services, and finally Executive Response Unit only to be told by all services that they had no way of either sending me a new link or giving me my new credit card information. I was and am therefore not able to utilize this advertised offer to book the flight in question. This is fraudulent advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the account XXXX XXXX XXXX  XXXX , I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am submitting this CFPB complaint to you today to request the correction of the following disputed accounts and information from my Credit report. I have read that the Credit Reporting Agencies are required to provide copies of proof of documents or verification bearing my signature. 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 : CALIFORNIA DEPARTMENT OF CHILD SUPPORT SERVICES UNKNOWN XXXX Balance {$9600.00} Date opened XX/XX/2018 CALIFORNIA DEPARTMENT OF CHILD SUPPORT SERVICES UNKNOWN XXXX Balance {$4300.00} Date opened XX/XX/2018 XX/XX/2018
Product: Credit reporting or other personal consumer reports

LENDMARK FINANCIAL SERVICES reported an inquiry on my consumer report without fully disclosing to me upon our initial contact that such information was subject to being reported to third parties. They also failed to provide me with an option to opt out of sharing my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote a letter addressed to the Bureaus to have these accounts removed from my credit because they are fraudulent. Ive made several phone calls and they still have not removed the accounts from my report. Please assist me with removing these fraudulent accounts from my report. I have already submitted to them that I was a victim of identity theft and i provide the identity theft report and these items are still on my report. Please assist me.