23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a message last on XX/XX/XXXX or XXXX XXXX 2017 and could not understand what the woman was saying, but it sounded very serious, so I did what I could to call back. I finally got through after five repeated tries, without being able to leave a message and spoke with a woman named XXXX XXXX XXXX. She explained to me that her law firm was going to sue me if I did n't pay almost 800 dollars from over 10 years ago. I explained to her that it 's been way too long, and that there 's no way I owe that much. It was from when I was XXXX and opened up a XXXX XXXX checking account. I got hit with some overdraft fees that I could n't pay, so the account closed and went to collections. Scared that I was going to be sued, before reading about the NFCPA and all my rights, I reluctantly agreed over the phone to set up a payment plan that was completely unreasonable at XXXX dollars every two weeks. She urged me to sign the documents they emailed right away, which I did not. I tried to call back but could n't get through until the following Monday when I realized they went ahead and charged my bank the first XXXX dollars even though I never signed and planned to arrange another way of dealing with this. The company is Consumer Recovery Solutions and I was billed through XXXX XXXX.
Product: Credit card or prepaid card

I was a with THE HOME DEPOT/CBNA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit card or prepaid card

On XX/XX/21, I learned that a company that I had made a purchase with called XXXX was a fraudulent company and when I contacted the company they refused to provide a refund for items that I never received. I advised that I would reach out to my card company American Express to dispute directly. I spoke with an unprofessional representative, XXXX who had no sympathy and refused to complete the dispute because the company did not have a cancelation policy. I was in disbelief that she would not proceed with the dispute after I clearly explained to her that I was scammed out of $ XXXXI am in disbelief at how this was handled.
Product: Credit card

Wells Fargo will not remove my name from account that was opened during my marriage to my now ex husband. I gave my ex husband {$4500.00} to zero out the balance in XX/XX/2019. My ex husband didnt close the account and has subsequently continued to charge on the account which now shows up on my credit report. We asked Wells Fargo to remove my name from the account and they will not. We even asked them to close the account then open another one in my ex husbands name but they refused. I fully diss agree with this outcome. Why should I be responsible for debt that is not mine?
Product: Payday loan, title loan, personal loan, or advance loan

Got a loan for {$5300.00} they only deposit {$4700.00} into my account which I did not know they was going to take {$600.00} from me they only suppose to been paid the car off which at the moment I only owed XXXX XXXX {$400.00} I wasn't aware of that then the internet rate my ending balance was {$9800.00} almost {$10000.00} that's a lot compared to me only oweing XXXX XXXX I only wanted a certain amount which they said I couldn't do what I wanted which was a {$1000.00} they said I had to take the {$4000.00} or more to get the loan
Product: Credit reporting or other personal consumer reports

I noticed 3 unauthorized inquires on my credit and I would like them removed as soon as possible. I have never tried to open a credit card account with neither of these companies. I will provide my ID in the documents to verify my name and birthday. Over all identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 disputes have been getting submitted and I have been unsuccessful with them disputing this information. I know that it is not being disputed based on the fact that the last reported date is not updating. These accounts, personal information and inquiries being disputed are not accurate and showing several errors and discrepancies. For them to ignore my disputes is disregarding my issues as a consumer. The burden of proof is on the Bureaus and they are not providing any documentation of showing if they are even trying to investigate the issue. I know that XXXX  will try and say that the representative is unrecognized because they have it bad with trying to stall and not investigate consumers disputes. Therefore I have attached my Driver 's License of proof of my identity.
Product: Credit reporting or other personal consumer reports

XXXX sent me a letter stating that XXXX XXXX obtained credit report in what was deemed a fraudulent application. XXXX deleted the inquiry from my report. Experian sais i had to calld XXXX XXXX about removing the iquiry from my credit report. XXXX XXXX said they dont do that and that i must do it directly with the credit report company Experian XXXX I called back Experian and they said i have to make a report at FTC.Gov
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 XXXX 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

Received an alert from XXXX XXXX that shows a delinquent collections had been placed on my account XX/XX/21. It's a company called Sequium Asset Solutions in XXXX GA. The only information listed shows XXXX XXXX.. so I had to XXXX to find that supposedly XXXX XXXX XXXX had a breach of data and are aware of fraudulent behavior from this company. We had closed our account on XX/XX/21 and actually have an {$18.00}. credit ( good standing always ). The amount XXXX shows owing is {$2800.00} and doesn't have any of our information attached, states it was from XXXX for 1 mth and due in 1 month?? Also states turned over to collections. We've never received anything from this company but yet they place this on our credit report. I attempted multiple times to contact this company to no avail. We contacted XXXX XXXX XXXX and was transferred 4 different times, all in an attempt to speak directly with their fraud dept. But finally was told they are not taking calls due to this major fraud taking over the phone lines. So we placed fraud alerts on our accounts in hopes that this company or person will not be able to do any more damage to our credit. Thank you. XXXX
Product: Mortgage

XXXX Mortgage made an error back in XX/XX/XXXX when it paid taxes to XXXX XXXX using applicant 's Escrow Funds. Taxes should have been paid to XXXX XXXX XXXX where property address is located XXXX XXXX TX XXXX ). 
Taxes were incorrectly paid to property address : XXXX TX XXXX by XXXX Mortgage using applicant 's escrow funds. This property address belonged to applicant but that was sold back in XX/XX/XXXX. This property was purchased/owned under the maiden name. 
XXXX XXXX XXXX XXXX confirmed that a payment was made by XXXX Mortgage. XXXX XXXX XXXX XXXX XXXX confirmed that overage payment was made by XXXX Mortgage. The new property owners also paid tax payments on that property XXXX XXXX TX XXXX ). There is now overage in payment to property XXXX TX XXXX. 

Please see Deposit No : XXXX ( Freedom Mortgage ) for the XXXX XXXX Tax Receipt. Attached are both receipts that confirm there was payment made to wrong property address that is not owned by applicant. This property address belonged to applicant and was sold on XX/XX/XXXX. Both parties XXXX Tax offices XXXX informed applicant that XXXX Mortgage would have to apply for refund of this incorrect payment, as they are not able to refund to the applicant since she did not make disbursement. 
Please see account XXXX : XXXX that was associated with applicant 's for the property of XXXX TX XXXX. This is currently affecting her Escrow analysis and has placed applicant 's in an overwhelming debilitating financial situation that may foreclouse her home when she can not meet new mortgage payment. 
Please see attached receipts ( Spring Branch XXXX XXXX XXXX - {$4700.00} and XXXX XXXX XXXX XXXX XXXX XXXX Assessor {$4400.00} ). For a total of {$9200.00} multiple phone calls and converstations with Tellers from XXXX Mortgage have been made : Faxes producing Deliquent Bills from XXXX XXXX were sent to XXXX Mortgage on XX/XX/XXXX and XX/XX/XXXX. 
Letters with Tax receipts from address XXXX TX XXXX were faxed to XXXX Mortgage on XX/XX/XXXX. 
XXXX XXXX ID XXXX Geovana Teller ID XXXX XXXX XXXX supervisor ) Teller ID XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had some fraud happen on my Wells Fargo checking totally XXXX for XXXX. This is a lot of money and Wells Fargo basically been telling me to XXXX XXXX The person that handled my case gave me his number but for the past 3 days it just been leaving me to voice mail. And when I try to call the regular Wells Fargo number they keep transferring me back and and fourth just to hang up on me. Then this other lady told me the other investigator said it will take 120 days and they still havent gave me provisional credit! Under the fdic and laws they need to give me provisional credit. I would like the cfpb to retrieve my money back! I also am gon na go to the biggest news outlets and post this all over social media! This bank is a total scam! And they arent following any fdic impose rules!
Product: Credit reporting or other personal consumer reports

Mon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SSN : XXXX | DOB : XX/XX/year> Transunion, XXXX, XXXX To Whom It May Concern : 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 This letter is a follow up to my earlier communication about the following item ( s ) being reported on the credit file listed under my name and Social Security Number : This account is listed as being 30 days late. I have never been late on this account. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 

I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to the company for over a year to correct inaccuracies. I also provided proof and it was over looked I had to call in month after month to have them resubmit it still to be ignored although I provided the poof. They had no information from the company that proved it was right. Also they did not followed FCRA laws as far as late payments are concerned. Also this is for Transunion and XXXX. XXXX also sent an invalid XXXX XXXX to lender. I have a copy of what the company was sent. And also a copy of what XXXX gave me on a paid membership daily. Which was totally different and affected my approval.
Product: Money transfer, virtual currency, or money service

Didnt nothing happen they responed that it was late and someone was going get back at me..They never got back at me. It was a tatal of XXXX. ( XXXX XXXX XXXX  dollars ) {$550.00}
Product: Debt collection

I was a resident of XXXX XXXX XXXX managed by XXXX XXXX, after losing income I decided to turn in my unit as I was no longer able to keep up instead of being evicted. Not only did XXXX accept my move out request and I agreed to be responsible for lease termination and month of XXXX rent that was not paid. At end of day on XX/XX/XXXX I fully vacated my unit and took pictures to support taking everything out my unit and left how I received the unit. There was additional fees added on and no real explanation, there was a charge particular for furniture removal which was false because I left unit clear. The company did provide a report that was date and time stamped showing that my unit was accessed without my consent or knowledge by maintenance staff for said pictures provided. I did provide UDR and GENESIS with this information as well alongside support photos to XXXX, GENESIS denied to accept said pictures and it was denied being reviewed due to me telling the collection rep that I do not have the ability to pay the balance in full at this very moment. I did ask for a payment arrangement in which I have emails from company directly offering a inhouse payment plan then the next week it was placed in collections. The door locks are electronic and should be time stamped and each and every entry, When asked to provide this information, I was again denied access and DEMANDED to pay balance in full before threating that if I do not pay he will have acct placed on my credit. They also do not have my legal name correctly but from the reviews I see this is there common practice for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to get 2 negative child support cases from reflecting from my credit report for years according to the new credit law established XX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a letter to Source Receivables Management disputing the validity of a debt that has been attributed to me. This debt, which is linked to an account with XXXX under the name XXXX, does not belong to me, and I have never authorized any transactions related to this account. 

In my correspondence, I requested the following actions : Verification of Debt : I requested that Source Receivables Management provide documentation verifying the debt, including the original signed contract or agreement. Despite their claim of updating the account as disputed, the debt remains inaccurately attributed to me. 
Dispute and Removal : I demanded that the inaccurate information be removed from my credit report if sufficient evidence could not be provided to substantiate the debt as mine. The continued reporting of this incorrect information is causing significant harm to my credit score and financial standing.

Breakdown of Charges : I asked for a detailed breakdown and supporting documentation for each charge associated with the account, including service charges, late fees, XXXX charges, equipment charges, and collection fees. Without proper documentation, these charges can not be considered valid.

Misreporting and Legal Obligations : I requested confirmation that the dispute status of this account has been communicated to all three major credit bureaus ( XXXX, XXXX, and XXXX ). I also requested copies of the communications sent to the credit bureaus confirming the dispute status. 
Despite my clear requests, I have not received adequate responses or the necessary documentation from Source Receivables Management to validate this debt. This lack of response and the continued reporting of inaccurate information is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to log into TransUnion to dispute personal information as well as old creditors And I can't log on to the website. So after entering my personal information on the phone with " XXXX  '', I was transferred to a " Live '' " person '' ( who couldn't speak American English too well ), and after giving my personal information " again '' a second time, the representative told me she sent me and email to my email address with a temporary password to get into the account. She said it could take up to ten minutes to receive the email password, but I never did receive the email. I even " tried '' to " create a new account '', but when I entered all the information as before except with a new email address, I got a notice saying an account already existed with that ( But how? I didn't create it ), ( But I still can't get into it ). So I called back and went through the same process again for verification, and spoke with another person ( who could not speak English too well ), and when I ask to speak to someone I could understand better about my credit report locked out, the representative hung up on me. as of todays date, I still have not been able to get into the account ( and haven't for quite a few years now ), and I have a " Right '' to get into the account to update incorrect information that is hurting my credit portfolio. I am a victim of credit fraud and identity theft since 2016 or so and I need to get into the account to change some inaccurate information. I had no problems changing it with XXXX or XXXX. I have been waiting for the email containing the temp password to no avail. HOw am I suppose to speak to someone about my credit report, logging in to transUnion online Service Center when none can speak English and they hand up on you when you ask to speak to a supervisor? Also, I Never received an authentication code to reset my password, never received email, nothing ... ... ( See attachments ). IT is very frustrating to say the least ... .It 's like they are deliberately lying to me ( for whatever reason ( s ) and trying to prevent me ( an American citizen ) from trying to exercise my right to update/correct incorrect information in my credit report that I have a right to do under the FCRA. I am prepared to file a cause of action against TRansUnion in XXXX XXXX XXXX XXXX in the " Near '' future ( within XXXX ) if the problem isn't addressed and resolved. I have contacted my attorneys to ( XXXX XXXX XXXX XXXX XXXX to wit ). I will be filing a cause of action against " ALL '' involved, who are responsible, in their official capacities " and '' individual capacities for right violations and for other causes as well that is appropriate under the circumstances. They have both my emails on file with the account, XXXX and XXXX XXXX
Product: Credit card or prepaid card

I have a cashback credit card with this bank and have been collecting cashback for over a year. Abruptly on XX/XX/XXXX I noticed that I was unable to charge my card so I contacted the bank. They told me that they had cancelled my card and forfeited my cashback which was over {$4000.00} by then. I asked for a reason for this and they were not able to give me a valid reason. I know I have never had a missed or even late payment on the card and actually had a credit balance on the card which they acknowledged. My suspicion is that the only reason for doing this is that by cancelling the card abruptly without fair warning I would have no opportunity to draw my cashback and they would be able to forfeit the money they would otherwise have to pay me. I would like them to reinstate the card or failing that provide me with an opportunity to draw my cashback. I feel this is an insidious and unfair behavior by the bank targetting a customer for no fault. I hope the regulators can step in and protect the rights of a consumer. Thank you
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

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