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

I was looking into purchasing a house back at the end of XXXX. And somehow a cable bill from XXXX popped up from XXXX. I have never had XXXX in my life, I have disputed it with everyone and they refuse to give me any relief. I have no issues paying my bills but I never had XXXX in my name ever in my life. And I'm uncertain as to why. If it was way back in XXXX it popped up at the end of XXXX anyway.
Product: Credit card or prepaid card

Chase closed my credit card. When I called, the supervisor stated a letter was sent, which o still did not receive. He suggested to look at credit report. 
I looked at XXXX. 
Chase close my card based on how I paid XXXX. My question? Did Chase not issue me a credit card after these incidents? 
XXXX XXXX is reporting information from XXXX that appears as open accounts. I disputed one of the credit lines and the bank and I disagree. I paid XXXX credit cards for both XXXX XXXX and XXXX. 
The second credit line is perplexing. 
Perhaps a different person 's. Explored with Chase and could this belong to me with another last name? 
XXXX continues to report these credit lines XXXX. The credit line was opened in XXXX and closed. Do not have date. 
However what happened to the 7 year rule for things to drop off? 

XXXX is the only bank that does not work with someone if a problem arises. At least, they ate my XXXX out. I can not buy a small condo! 
And my only credit card with a credit line of XXXX paid perfectly for 2 years just shut by Chase because they don't like how I pay wells..in XXXX! 
Why not look from the present and go back before you close a card.. look at dates.. 
I disputed those issues with XXXX and next it will have to be an attorney. I am XXXX and my former husband is responsible for this mess. But, he can work!
Product: Debt collection

We were in Court on XX/XX/2017 between me and The point at XXXX XXXX XXXX. The district Judge dismissed the case against me since it wrong. Now the collection agency ( Fair Collection and Outsourcing ) ignore the judge decision ) and reported me to all 3 major credit report agency to destroy my credit.
Product: Mortgage

I am writing to you regarding my current mortgage with Ditech. My husband was laid off temporarily XX/XX/XXXX - they told us they did not have a program for his situation at the time to help us out. We fell behind and my husband went to work. I had hired a lawyer who had promised me the HAMP loan but after a couple of weeks he said we were not approved for that. He did a loan modification in which I was on a 3 way conversation with ditech rep XXXX and was promised the same rate I hade which was 3.75 % - 2 days later I received paperwork that said it was switched to 4 %. Ditech woull not take my calls until I released my lawyer - I did everything Ditech requested, I sent a certified later that was notarized and til as of date they will not return any of my phone calls I have left message after message to try and resolve my situation and no one will talk to me. I am now in foreclosure which I feel they did intentionally. I have XXXX children and I do not want to lose my house due to a company that intentionally does not answer certified mailings or phone calls. I would like help with this situation if you could please.
Product: Credit card

On XX/XX/2024, I filed a complaint with the Consumer Financial Protection Bureau about Barclay Bank. Complaint # XXXX. 

Barclay responded to complaint # XXXX with a letter about the late payment that I referenced as incorrect. That late payment reporting error was corrected. 

On XX/XX/2024, Barclay again responded via CFPB. They stated my Barclay card was closed on XX/XX/2024. However, I never received the letters in the mail, only via the Consumer Financial Protection Bureau portal ( which I didnt see until today ). That is my mistake. However, it still should have been mailed to me as well. 

Since my Baclay card ending in XXXX was closed, I called Barclay to request that closed letter and my final statement, in which the close date of that statement was XX/XX/2024. However, I have yet to receive that final XX/XX/2024 statement in the mail as of XX/XX/2024. The statement due date is XX/XX/2024, as I verified this via a call to customer service. 

I made repeated requests via Barclay customer service phone number for a copy of my final statement so I can pay the bill immediately. Every Customer Service person I spoke to, including managers, refused to provide me with a copy of that statement and claimed the statement was mailed. 

I called Barclay on XX/XX/2024 requesting my close letter and final statement. They mailed a letter stating I had a balance of {$39.00} as of XX/XX/2024. Barclay sent only a letter stating I had balance on my account as of XX/XX/2024 and sent me a copy of my XX/XX/2024 statement. In addition, I received a duplicate letter stating I had a balance on my account. I did not request my XX/XX/2024 statement, I requested my XX/XX/2024statement so I can pay my final bill. I still have not received my final statement ending XX/XX/2024. 

I have multiple recordings of the calls since XX/XX/2024 where I requested a copy of my final statement and the closed account letter. Barclay sent only a letter stating I had balance on my account as of XX/XX/2024 and sent me a copy of my XX/XX/2024 statement. I did not request my XX/XX/2024 statement, I requested my XX/XX/2024 statement. 

They also refused to allow me to pay over the phone. When they transferred me to collections. My bill isnt due yet. They said they cant discuss anything with me. Why would I have to talk to their collection department if my final credit card bill isnt due yet? My account is not past due. I should not have to talk to collections if my bill is not past due. 

I am requesting my XX/XX/2024 statement to be sent to me via the Consumer Financial Protection Bureau portal since Barclay refuses to mail me the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Checking or savings account

This Complaint is against Wells Fargo Bank, and their very lacking Customer Service. Having been transferred throughout many departments within Wells Fargo, I am very familiar with their Customer Service, and their way of doing business. And 15 months of back and forth with Wells Fargo, thus far, has taught me that the only way to get results with Wells Fargo is to file a complaint. My only goal is to get my {$8800.00} in Fraudulent Transactions allowed by W.Fargo returned to me, after I had everything put in place to prevent this such as accounts deactivated and XXXX. And then we can cease all business. 
This Complaint will focus on this bank continuing to send me attachment upon attachment, in their response and communications with me. Due to my situation, of which they are well aware, I can not download attachments, nor print, therefore when they include attachments, of which they mostly use, I must also receive responses by hard copy/ mail. I have communicated this to all Wells Fargo departments, hundreds of times, yet they purposely continue to do this.!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry details XXXX XXXX XXXXXXXX XXXX Bank ) XXXX XXXX, XXXX SYNCB/XXXX XXXX Bank XXXX XXXX XXXX, XXXXXXXX SYNCB/AMAZON ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX  ( Bank XXXX XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX SYNCHRONY FINANCIAL ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX I did not Authorized of those hard inquiry Please Remove. I Appreciate your time.
Product: Credit reporting or other personal consumer reports

I disputed my personal information with Equifax on XXXX. I also followed up with more requests to correct my personal information. The following credit files are not mine and need to be removed immediately. I've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want the false information removed as soon as possible. This information is spoiling my credit worthiness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Borrowed {$1000.00} from Mountain Summit Financial on XX/XX/2020 Repaid {$250.00} on XX/XX/2020 Repaid {$260.00} on XX/XX/2020 Repaid {$260.00} on XX/XX/2020 I still owe {$930.00} towards principal. 

I checked for my interest rate in the details of the email but I havent been provided any and when I called they didn't disclose my interest rate.
Product: Credit reporting

Trans Union is not responding to my request to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

Complaint Type : Customer Service Issues Description of Complaint : I made a transfer online from discover bank account from my XXXX XXXX account to go into my checking account. XX/XX/2019. The bank claims I got a credit, but then they reversed it out on XX/XX/2019. I spoke with 10 people made over 10 calls about this. In the last week i called three times at least and gave a manager and maybe two or three other people to assist me as well. I took up a lot of my time. The bank now says I owe the money because the XXXX XXXX put the money back in my account. It is beyond the point already when I gave a manager an additional time to help me as I had already spoken to them more than one time. I am now unable to call the bank about this matter and have already told them. I banked with the bank for almost 10 years I am at the point that I do not want to continue banking with them. The managers and bank told me, " It looks like this to me. '' That I didn't get the money because they gave me a credit. I let the bank know I would report them to XXXX and maybe go to small claims court because I had called more than enough times and was not getting assistance on my account. I am saddened to have to report this to XXXX but I feel very dissatisfied with the amount of calls and fully making them aware of the situation more than one time. 

( they reversed it out on XX/XX/2019 ) Had I known that I was not going to get assistance from XXXX XXXX on XXXX XXXX I would have asked for someone else to take the issue. 
As of today the issue is still unresolved so I am going to have to make a complaint somewhere else because I am not able to get the service I need when I have made major efforts to make time and call and communicate with the bank. The bank has accused me of stealing money and saying, " It looks that way to me, and I spent it. ", instead of listening to what I '' m saying and being willing to assist me.
Product: Credit reporting or other personal consumer reports

I AM WRITING THIS PRE-ARBITRATION DEMAND IN CONTINUATION OF MY PREVIOUS NOTICE OF DISPUTE REGARDING THE INACCURATE INFORMATION ON MY CREDIT REPORT ACCOUNT ( XXXX XXXX XXXX ) WHICH IS REPORRING AS A PAID CHARGEOFF BUT NEVER WENT INTO CHARGEOFF STATUS BEFORE BEING PAID IN FULL XXXXDESPITE MY INITIAL COMMUNICATION AND YOUR ACKNOWLEDGMENT OF THE DISPUTE, THE DISPUTED ITEMS HAVE NOT BEEN ADEQUATELY RESOLVED. THEREFORE, I AM COMPELLED TO ESCALATE THE MATTER AND REQUEST A RESOLUTION THROUGH ARBITRATION, AS PROVIDED FOR IN EQUIFAX 'S ARBITRATION AGREEMENT. 
I AM AWARE THAT UNDER EQUIFAX ARBITRATION AGREEMENT, EQUIFAX IS RESPONSIBLE FOR PAYING HALF OF THE ARBITRATION FEE. HOWEVER, CONSIDERING THE SUBSTANTIAL COSTS ASSOCIATED WITH THE ARBITRATION PROCESS, I AM PROVIDING XXXX WITH AN OPPORTUNITY TO AVOID THESE EXPENSES ALTOGETHER. 
IN ADDITION TO THE REQUEST FOR A COMPREHENSIVE INVESTIGATION AND RESOLUTION OF THE DISPUTED ITEMS, I PROPOSE THE FOLLOWING SETTLEMENT OFFER : 1. PAY ME THE FULL ARBITRATION INITIATION FEE : THE INITIATION FEE FOR ARBITRATION ( FOR THE CORPORATION ), AS OUTLINED BY THE AMERICAN ARBITRATION ASSOCIATION ( AAA ) GUIDELINES, TYPICALLY EXCEEDS {$3000.00}. TO SETTLE THIS MATTER EXPEDITIOUSLY AND AVOID THE SIGNIFICANT COSTS AND TIME INVOLVED IN FORMAL ARBITRATION PROCEEDINGS, I REQUEST THAT EQUIFAX PAY ME THE FULL AMOUNT OF THE ARBITRATION INITIATION FEE. 
I BELIEVE THAT THIS SETTLEMENT OFFER REFLECTS A FAIR AND REASONABLE RESOLUTION, TAKING INTO ACCOUNT THE COSTS EQUIFAX WOULD OTHERWISE INCUR DURING THE ARBITRATION PROCESS. ACCEPTING THIS OFFER WOULD SPARE BOTH PARTIES THE FINANCIAL BURDEN AND EXTENSIVE TIME COMMITMENT ASSOCIATED WITH FORMAL ARBITRATION. 
FURTHERMORE, IT IS IMPORTANT TO NOTE THAT SHOULD XXXX DECLINE THIS SETTLEMENT OFFER, I WILL PURSUE THE ARBITRATION PROCESS AS PROVIDED FOR IN EQUIFAXARBITRATION AGREEMENT. IN THAT EVENT, I WILL SEEK APPROPRIATE REMEDIES, INCLUDING BUT NOT LIMITED TO COMPENSATORY DAMAGES FOR FINANCIAL HARDSHIP, EMOTIONAL DISTRESS, AND ANY OTHER DAMAGES RESULTING FROM THE INACCURACIES ON MY CREDIT REPORT. 
I KINDLY REQUEST THAT YOU PROVIDE A WRITTEN RESPONSE WITHIN 15 DAYS OF RECEIVING THIS PRE-ARBITRATION DEMAND AND MONETARY SETTLEMENT OFFER. YOUR RESPONSE SHOULD INCLUDE YOUR ACCEPTANCE OF THE SETTLEMENT OFFER, ALONG WITH THE ACTIONS TAKEN TO INVESTIGATE AND RESOLVE THE DISPUTED ITEMS. FAILURE TO RESPOND OR DECLINE THIS OFFER WITHIN THE SPECIFIED TIMEFRAME WILL INDICATE YOUR UNWILLINGNESS TO RESOLVE THE MATTER AMICABLY, AND I WILL PROCEED ACCORDINGLY. 
PLEASE ACKNOWLEDGE RECEIPT OF THIS LETTER WITHIN 10 DAYS. 
THANK YOU FOR YOUR ATTENTION TO THIS MATTER. I HOPE THAT WE CAN REACH A FAIR AND MUTUALLY AGREEABLE RESOLUTION WITHOUT RESORTING TO FORMAL ARBITRATION OR FURTHER LEGAL ACTION. YOUR PROMPT RESPONSE AND WILLINGNESS TO RESOLVE THIS MATTER IN A TIMELY MANNER WILL BE GREATLY APPRECIATED.
Product: Credit reporting or other personal consumer reports

Dear Experian, I'm responding to the confirmed no change letter I received about the charge-off account mentioned on my credit report. 

Creditor : XXXX XXXX Account : XXXX I adhered to your guidance by reaching out to the organization accountable for the incorrect charge-off account listed on my credit report. Nevertheless, despite my endeavors, the entity providing the information failed to reply to my questions. 

This account 's charge-off status clearly seems incorrect since the creditor has not presented valid evidence to support its legitimacy. Under the Fair Credit Reporting Act ( FCRA ), creditors must be able to prove the accuracy of an account before reporting it to the credit bureaus, and in this case, they have failed to do so. Experian is also reporting this account CO CO Charge off every month which is updating the Statue of Limitations and reaging my account which is illegal Could you please ensure the timely removal of this item from my credit report? Not doing so would breach the FCRA regulations. 

I appreciate your focus on this issue. 

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

MY BALANCE INFORMATION IS INCORRECT ON MY XXXX  XXXX ACCOUNT ENDING IN XXXX AND XXXX XXXX  ACCOUNT ENDING IN XXXX. THIS ACCOUNT INFORMATION IS UNTIMELY AND INACCURATE. PLEASE UPDATE BOTH ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with Everbank. I got a email reply from the banker.
" I did hear back regarding the credit card and was told it was declined at this time. There is limited info that is shard with me, but he did say it wasnt the credit score and had more to do with public records. Most of the time that has to do with either collections or a charge off. Some items like that, even when paid off, will continue to show until you ask the company to remove it. They will send a letter that will explain the exact reason. '' I researched my public records and found nothing. I feel like I am being discriminated against.
Product: Credit reporting or other personal consumer reports

I am writing regarding the fraudulent accounts and transactions that have appeared on my credit report due to identity theft. This unauthorized activity was committed without my knowledge or consent, and it is causing me significant distress, financial harm, and reputational damage. I have already reported this crime, and I now urgently request your full cooperation in swiftly removing all fraudulent information from my credit file and conducting a thorough investigation.

Resolving this issue promptly is of utmost importance, as the fallout from identity theft has already been highly detrimental to my financial well-being and personal standing. I am prepared to provide any evidence needed, and I will not hesitate to pursue all legal avenues to uphold my rights and seek appropriate recourse if necessary.

Your immediate attention to correcting my credit report and examining this fraudulent activity is greatly appreciated. I trust you understand the seriousness of this matter and my need for an expedited resolution. Thank you in advance for your urgency in rectifying this deeply concerning situation.
Product: Credit reporting

I have tried multiple times to have this dispute resolved. I have disputed the Bankruptcy that is showing on my report and the Bankruptcy still remains. I would like for Credit Reporting Agency to provide their method of verification on this. I have already spoken with the court that is listed on the Credit Report and they deny supplying information to the Credit Reporting Agency as it relates to Bankruptcy. The Credit Reporting company claims to have received its information in speaking with someone at the Bankruptcy Court, but the letter attached proves this to be untrue. I have tried several times through this method and others to have the CRA provide me with their method of verification and they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter on accounts reporting incorrectly to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX Do you ( Equifax ) abide by the FCRA, FDCPA & CFPB rules and regulations in accordance with 15 USC 1681e Compliance procedures. If so, how are you ( Equifax ) still reporting inaccurate/ unverified information on my report? Do you not need my written consent to publish such items, which I have not given. Is this not a violation of 15 USC 1681b Permissible purposes of consumer reports ( 12 CFR PART 1022.3 ( h ) REGULATION V ).

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Equifax ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights ( 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ).
Product: Credit reporting

XXXX XXXX XXXX AND 2 CREDIT BUREAUS, XXXX AND TRANSUNION KEEP REPORTING OUTDATED NEGATIVE INFORMATION ON MY CREDIT REPORTS. I TALKED TO XXXX XXXX XXXX AND THEY TOLD ME THAT THE CREDIT BUREAUS ARE RESPONSIBLE FOR REMOVING THIS INCORRECT INFORMATION. 
THE CREDIT BUREAUS TOLD ME THAT THE BANK IS RESPONSIBLE FOR REMOVING THE OUTDATED INFORMATION.? WHO IS CORRECT?? PLEASE HELP ME RESOLVE THIS MATTER. THE ACCOUNT IS OVER 7 YEARS OLD!! 
.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request XXXX Dear XXXX XXXX I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, to formally request validation of the alleged debt referenced above. Please note that this is not a refusal to pay but a request that your office provides the following information to ensure the validity of this claim : XXXX. Proof of XXXX and XXXX XXXX : The exact amount of the alleged debt, including a detailed breakdown of interest, fees, and any other charges applied. 



XXXX. XXXX XXXX : The name and address of the original creditor. 

A full itemized statement from the original creditor showing the history of the debt. 



XXXX. Chain of Assignment : Documentation showing the complete chain of assignment from the original creditor to your agency. This must include : A copy of the original signed agreement or contract between me and the original creditor. 

A contract, bill of sale, or other legal transfer of the debt showing that your agency has the legal right to collect. 

The names and addresses of all parties involved in the chain of assignment. 




XXXX. XXXX of Limitations : XXXX that the alleged debt is still within the applicable statute of limitations. 



XXXX. Authorization to Collect : Proof that your agency is authorized to collect on this debt in my state. 




Please be advised that if you can not provide the requested documentation within XXXX  days of receipt of this letter, I request that the account be removed from my credit report and that you cease any further collection efforts. Reporting unverifiable information to credit reporting agencies may constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, if the debt can not be validated, I request that any negative entries related to this account be deleted from my credit report immediately. 

I request that all future communications regarding this matter be made in writing. 

Thank you for your attention to this matter. I look forward to your prompt and complete response. 

Sincerely, XXXX XXXX