23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX, XXXX XXXX/XXXX/XXXX I called Wells Fargo for a status of mod they stated that they rcvd the XXXX, rep was unsure of status and stated some updated docs may be needed. Explained to the rep my conversation with supervisor, XXXX. She stated that he would give me call to go over the file with me. I never received a call back. On XXXX XXXX, XXXX I called Wells Fargo and requested a supervisor, I was told a supervisor was not available they will have someone reach out to me. On XXXX. XXXX, XXXX I spoke with XXXX XXXX and he provided me a number to the XXXX XXXX XXXX XXXX XXXX. Which should be able to help me with my concerns of the file not moving out of the reentry department because it will 24-48 hours for a supervisor to call me back. I have just spent 1 hour and 17 minutes on the phone with XXXX ex : XXXX in the XXXX the complaint will be addressed within 24-48 hours and she then transferred me back to the reentry department who advised that update P & L and bank statements and XXXX with the year XXXX is being requested. I then received a call from XXXX team who stated that the loan is not eligible for review because the sale is 7 days away. I stated that I just spoke with the reentry dept. for 2 hours yesterday and they requested me to submit a full package. The rep stated did she did not see notes in the file. On XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX called me back and stated that they would be closing out the file because the documents that were requested on the XXXX of XXXX were not received. I spoke with XXXX prior and he had confirmed that XXXX of the XXXX documents has been received. I proceeded to ask her if the phone calls are recorded she stated that they were and that her supervisor would listen to the phone conversation and call me back tomorrow. I have not received a call back.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and credit health.
Product: Credit card

I am submitting a complaint and ask that you communicate with me directly within 15 days. I am a victim of predatorily lending practices regarding Citibank and Best Buy credit card. I am also being taken advantage of as a XXXX XXXX XXXX man. My wife and I submitted the attached letter and did hear back from a woman named XXXX from Best Buy corporate office on XX/XX/XXXXXXXX  ( message attached ) and have called her back 3 times without speaking to her. I left detailed messages each time describing the fact that I would appreciate a call back as I would like to clear this matter as soon as possible. I have yet to hear back from her per phone call or email message that she said she'd send. 

XXXX XXXX/BEST BUY - Dispute letter XXXX  Respecfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have attached the dates ( screenshots ). 
There is issues with all 3 reports. XXXX is the closest to correct but there are issues on their report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX A I ) XXXX Balance : {$77.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like TransUnion to have a copy of my identity theft report along with my ID and Social Security number and I would also like an extended fraud alert place on my credit file for the next seven years. I would like TransUnion to remove a collection account ( XXXX XXXX XXXX ) that I have included in my identity theft report that is fraud. 

Thank you for Transunion time out to look into my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Experian to verify collections as they are not mine and I am not aware of these bills. They did not send me any verification on how they verified this debt. These are not my collections and they failed to remove them off my account. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX
Product: Checking or savings account

Company denied applicant credit without basis, merit, and/or made decisions based on falsely reported credit information, law, or the lack thereof.

TAKE JUDICIAL NOTICE that It is unlawful to be denied credit and/or to discriminate against any applicant as it is causes an adverse action pursuant to : Title 15 USC 1691 providing the scope of prohibition ; Title 15 USC 1681 providing Congressional findings and statement of purpose 12 CFR 1002.4 providing current regulation against discrimination, discouragement, and denials of credit 15 USC 1611 CHAPTER 41 providing for the Criminal liability for willfully and knowingly violating any portions of these codes. 

Applicant demands immediate reconsideration and/or opportunity to create and/or build a credit and/or banking relationship as the willingness and ability to lawfully maintain a commercial relationship is available.
Product: Credit reporting or other personal consumer reports

Between XX/XX/year> and current, Ive been submitting letters for accurate reporting to XXXX. To date, the company allows things to be placed on my credit report without validating the information.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items ( to include unknown addresses disputed by phone ) despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer. 
As outlined in Section 611 of the FCRA ( 15 U.S.C. 1681i ), if the information can not be verified or if the creditor fails to respond within the required time frame, the disputed information must be removed or corrected. The incomplete investigation into my dispute has resulted in inaccurate information remaining on my credit report, which is adversely affecting my credit score and financial standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Although I had available line of credit {$3700.00} I attempted to make a purchase in the amount of {$840.00}, from XXXX and the purchase was declined. According to XXXX Bank of America ( BOA ) denied the purchase. I immediately contact BOA and asked why the purchase was cancelled or declined according to BOA they had no knowledge of the declined although I had a copy of the cancelled purchase order. BOA referred me back to XXXX. After going around in circles I immediately cancelled all purchased with XXXX and again reached out to BOA and explained the problem. BOA then placed an hold on my account in the amount of {$840.00}, and refused to removed said hold denied use of my full line of credit. BOA claimed the hold would drop off within 48 hrs. The hold was still on my card a week later, I again reached out to BOA explained I did not make the purchase, I wanted to use my entire line of credit and asked BOA to remove hold which they refused. 
The BOA placed the actual charge on my card and charged interest for the purchase and still refused to remove said charge with full knowledge I did not place the order, the order was declined and no merchandise was delivered.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX several times keep violating my consumer rights I never received goods or services from this company. I have told both XXXX and Experian several times that this has to do with identity theft. They have lied several times telling me they have never received my driver 's license or any of my supporting documents. Attached are my driver 's license, social security number, FTC Identity theft report, and as well as police report. This is considered willful noncompliance, discrimination, and false information because, both XXXX and Experian state that they have never received documentation from XXXX, XXXX Please refer to the attached documents and remove the following account from the credit report because this account can not be validated. The reason it can not be validated is that it was a result of identity theft my information was stolen and not used for the benefit of the owner. So, how can this information be valid if, it was stolen and misused for illegal purposes? Also, this account was opened in another state XXXX, FL and I do not have a record of living in this state my driver 's license is from Colorado, not FL ..... 


This is proof that both company 's credit bureau and the financial institution received all documents as requested. They are both required by law and respect my consumer rights these are the damages below that both companies are doing are stated such as : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again an affidavit identity report isnt needed in the process for identity theft block and removal.

7 ) violation of 15 U.S.C. 1692g Validation of debts
Product: Mortgage

A Merged Infile Credit Report has continued since XXXX 2010 to show that the Bank of America reports late payments of 30 days on a loan that was paid to them in full in XXXX 2010 and has has not existed since. There is no late payment, and the loan was paid in full. As a result of this, in spite of excellent credit, we have been unable to finance our home at the prevailing low interest rates.
Product: Credit reporting or other personal consumer reports

My Credit profile has been breached by some unknown entity, I discovered that some inquiries that I did not know about were placed on my credit report, I am requesting the following inquiries to be removed from my credit report because i do not know anything about it and this violated my consumer rights. 

XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX ( BANK ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit card

On XX/XX/2023, I applied for the American Express XXXXXXXX XXXX  card. During the application process, I did not receive any pop-up window or notification indicating that I did not qualify for the XXXX welcome bonus points. 

However, when I contacted American Express customer support on XX/XX/2023, I was informed that I am not eligible for the XXXX welcome bonus points. This discrepancy between the initial application process and the information provided by customer support has left me feeling misled and frustrated. 

I believe I meet the eligibility criteria for the XXXX welcome bonus points, as outlined in the terms and conditions for the American Express XXXX credit card. I have maintained a good credit history, met the spending requirements, and fulfilled all other stated conditions.
Product: Debt collection

XXXX*THIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE*** This complaint is in regard to complaint ID # XXXX. The company stated that they would respond within 45 days however that has not happened. My reputation is still being damage by this alleged debt and my rights are continuing to be violated. I am aware I have rights which are federal protected against fraudulent debt collectors like CITIZENS BANK and I allege that CITIZENS BANK has failed to follow the law and has become a device and mechanism for deceptive and misleading practices becoming damages and injury to my reputation and defamation of my name. 
XXXXTHIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE***
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report and noticed some fraudulent accounts. Please removes these accounts because it is affecting my credit.
Product: Credit card

I am writing to file a complaint against American Express for the unexplained closure of my credit card account, which had a limit of {$1000.00}. At the time of closure, I had recently purchased {$430.00}, and the account had always been paid in full on time, even during financial hardships.

Despite numerous attempts to obtain an explanation from American Express, I was repeatedly denied the opportunity to speak with the underwriter responsible for this decision. The account was closed and sent to collections without any justification provided to me. Furthermore, the debt balance increased to over {$1000.00} post-closure, which had nothing to do with my card usage.
Product: Debt collection

Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Equifax, There is information that is on my consumer report as a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made one the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are requred to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice.I look forward to your response. 

Thank You
Product: Credit reporting

To whom this may concern, This is a follow up to my previous letter sent on XXXX XXXX, 2016 that has not received a response. 

I have become suspicious that there is incorrect and outdating information on my Chex Systems file as a result of identity theft. 

Please provide me with digital copies of my report and further be advised that I have been living outside the country for the past 3 years and have not used a XXXX bank account. I believe my identity may have been stolen by an opportunistic individual with access to my information and knowledge that I am outside of the US. Therefore, I also submit a formal dispute to delete all records submitted to my file within the past 3 years as they are most certainly the result of identity theft. 

I have attached the necessary information to verify my identity. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Debt collection

NELSON AND KENNARD ON BEHALF OF XXXX XXXX XXXX HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
XX/XX/XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED XXXX XXXX XXXX TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN XXXX XXXX XXXX CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XX/XX/XXXX XXXX COLLECTIONS HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF XXXX XXXX XXXX ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XX/XX/XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY NELSON AND KENNARD ( LETTERS ATTACHED ). NOW ON XX/XX/XXXX I WAS SERVED WITH THE SUPPENAT FROM NELSON AND KENNARD REPRESENTING XXXX XXXX XXXX FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT XXXX XXXX XXXX TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. NELSON AND KENNARD IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP
Product: Credit reporting or other personal consumer reports

I submitted a dispute by mail to verify somethings on my credit report, transunion sent me a letter saying it appeared the letter didnt come from me, I called to verify I sent the dispute letter in and I was transferred to different departments over an hour till I got a supervisor who gave me the run around and still wouldnt take my dispute letter but wanted me to start a new dispute.
Product: Money transfer, virtual currency, or money service

I was at work, I got a call saying it was the utility company and that there would be a disruption in my service because of a delinquent account. They knew all kinds of information about a deposit I had made with the city and everything. Then they wanted me to go pay it in cash to the city or pay with XXXX. I was at work and could not get there. So I sent with XXXX and then they vanished. I was fraudulently coerced to pay this money. I panicked because my kids were home alone while I was at work and I dont ever have delinquent accounts. It is to my understanding that under ; The Electronic Fund Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ) of 1978 is intended to protect individual consumers engaging in electronic fund transfers ( EFTs ). That " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. '' My bank is saying that they will request the criminal to send the money back. Theyre scammers and frauds they will not send the money back. I can not afford to lose {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report it says that i opened 2 credit cards in XX/XX/XXXXand never paid them, also in XX/XX/XXXX that i recieved a home loan and a car loan that i also never paid on. At each time i was XXXX  in the XXXX XXXX XXXX XXXXXXXX, which is a matter of public record, obvious fraud. I've disputed these accounts with XXXX, XXXX XXXX, and several times with experian in order to have them removed completely from my credit report ; not just closed, because its obviously fraud. experian has just flat out refused to do this. im trying to put my life together and have been very successful so far. due to experian 's reporting these fraudulent charges, i have not been able to get approval for credit or a car loan. i dont know what else to do, they even at one tried to charge to have them removed from my record which i understand is racketeering by definition.
Product: Payday loan, title loan, or personal loan

They keep calling even after payment arrangements have been made and they demand more money than what has been agreed. The excessive calls and harrasment gets on my nerves because Im working and they keep calling day and night