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

Haven't got any response from Experian. They have a derogatory remark on my credit report as Bankruptcy and they haven't verified the item. Got a letter from the court stating that they are not reporting to credit bureaus and have my information freeze.
Product: Credit reporting or other personal consumer reports

My problem is with XXXX, but I could not figure out how to describe it given the choices. XXXX and XXXX XXXX XXXX. both sent me letters indicating that my loans were forgiven under XXXX  and that my balance is XXXX as of XX/XX/year>. I noticed the loans still appeared on my Experian credit report. I then disputed the student loan debts ( these were diXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with all three credit reporting bureaus on or about XX/XX/year>. Experian and XXXX wrote me back that they inquired with XXXX, and XXXX indicated my student loan debt was not a XXXX balance but rather the full amount prior to forgiveness. I have not yet heard from XXXX. 

I am afraid XXXX will bide its time and reinstitute the debt once the XXXX administration takes over. XXXX needs to inform the credit bureaus of the XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting a collection/charge off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. This account was sold to XXXX XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

At first xoom by XXXX had exciting prospects for me. I needed to transfer money to myself internationally. Once I made my first transaction I was contacted by xoom stating they needed my ID and a bank statement from my source account in order to complete the transaction. After providing my California ID I provided screen shots of my online bank account and affidavit. I was told that id was verified. however the affidavit and screenshots of my source bank account was not. Despite most financial institutions finding the supporting documentation sufficient, I was told a pdf file of my bank statement was need. As such a statement was not available for the current source bank account, I asked if it were possible to provide a new source bank account in which such a statement I could provide. The representative said that was absolutely fine.all I would need to do is make a new transaction using the new source bank account and provide that new source bank account '' s statement. As such, I did just that. I followed up and was told that the information can not be verified. This makes no sense as I submitted and official ID and bank account statement. All that was required for verification. When speaking with customer service no one seems to know what is going on. They claim they are not allowed to be transparent. 

My concern is that I provided my private information for the intended purpose o the transfer. After providing the two private documents necessary for verification, the company collected my private personal information and still did not allow me to proceed with the service such private information was intended for. Instead the company sends me messages and advertisements and fails to give proper reason why after providing such personal private documentation and information, i remain without access to service. I feel the private information collected was not used for its intended purpose and the company xoom has given to reason nor course for resolution
Product: Payday loan, title loan, or personal loan

I recently borrowed {$800.00} for XXXX XXXX. I have already repaid {$1000.00} back to them! They say I still owe them {$2000.00}!! I cant believe this is legal? I would have never agreed to borrow {$800.00} for {$3000.00}!! I was in a financial situation, yes! However, I wouldnt have accepted this loan!! This is crazy!! What is 919.3012 % Annual Percentage Rate? This cant be legal? This company takes advantage of the disadvantage!! Under any terms, Its unfair!!
Product: Mortgage

My complaint with SPS is the lack of communication with the HAF Program regarding our approval. I spoke with XXXX from HAF in XXXX of XXXX to inform us that we were awarded the grant and loan totaling $ XXXX. In order for the process to begin I had to provide a statement in their message portal to agree to the terms. XXXX informed me that a request of documents was sent to SPS to complete and send back. I received a call from XXXX, a Rep from XXXX, a home counseling agency, checking on the status and I informed her. I just so happened to review the message board of HAF and saw that we had been denied because the funds had been exhausted due to the no response from SPS. I immediately called HAF and SPS only to get nowhere. I spoke with XXXX from SPS Ombudsman Department, and she informed me that she is aware that HAF has had technical issues sending request thru the portal and this could have happened again but this was early in the year. She has escalated my issue to management to see a better outcome. I am left feeling perplexed because I was told everything is fine just waiting on the documents from SPS. I spoke with XXXX from SPS Ombudsman office today and sent an urgent request to the investor to see about a workout plan due to this mishap. I had a sale date of XX/XX/XXXX and feeling very uneasy and filled with anxiety due to the unknown. As I ponder on this entire situation, I feel like I was not put into the best situation. After initially filing for bankruptcy, in XXXX, they did not accept our payment. That is when our attorney told us about the HAF program. All this time the payments are building up. This XXXX of XXXX, the HAF program tried to contact the servicer and waited on documents i know for over 10 weeks. Only for me to start the process all over again. This is when we got the approval for both the grant and loan. All of my coversations with each Rep was recorded by the service and XXXX. I received the most insensitive rude and not willing to do his job employee ever from the Servicer. So much so, my Rep from XXXX got into it with him. I was so great that it was captured and I had a witness. As a matter of fact, I was encouraged to seek counsel regarding this issue from several professionals.
Product: Debt collection

I have had an active account and service with XXXX at my home for over five years. I have never been past due and my account has never been closed for any reason, including nonpayment. I am attaching my most current billing from XXXX showing my account has an active status and is indeed current. XXXX would not allow me to have an account if I had not paid. I am supposed to close on my family 's new house in the next couple of weeks. When this erroneous collection was posted to my credit, it made my score drop from XXXX to XXXX. Please remove this from my credit report ASAP as the amount is not owed by me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report.

The following late payments are reporting inaccurate and therefore need to be reinvestigated.

Inaccurate late payments and incorrect and incomplete information 1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEFINE XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed hard inquires which I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago my wife and I purchased a vehicle and paid cash. As part of the transaction a credit check was done, although unnecessary since we were paying cash. But the score came back far less than what we expected. Experian, a well know reporting agency, offered a look into our report for negative things that might be impacting our credit score so we opted to sign-up to have a look. 
We were instantly bombarded with emails from Experian, advertising on things from how to boost our score or protect our credit. So much so that after a couple of weeks I decided to withdraw my " membership '' and asked to cancel any further communication. But they were relentless. Even though they sent me acknowledgements of my opting out the emails continued and my responses became more demanding. In XXXX I was totally exasperated and sent the following in an email, " STOP, REMOVE, CEASE, DESIST and QUIT sending me anything UNSUBSCRIBE me from all. If this message doesnt get through to you and work this time I will start filing complaints at the state and federal level '' ( sent XX/XX/XXXX ) Their acknowledgement was, " You're now unsubscribed, XXXX If you change your mind, tap here to customize your preferences so you only receive emails about the stuff youre interested in. 
Just a note that youll still get notifications any time your credit or identity info changes, since automatic updates are a part of your membership benefits. 
Still have questions? Please visit the Experian help center for additional questions. '' ( received XX/XX/XXXX ) However the emails just kept coming, despite my warnings that I would report this. I can not get this company to remove me from their database and this is now beyond harassment. My latest response to their email advertising on XX/XX/XXXX was, " On XX/XX/XXXX you assured me I was unsubscribed in an email, now this email, more than a week later. Are you people just idiots or what? Next thing will be a litigation against you to compel you to stop. THIS IS HARRASSMENT! " ( sent XX/XX/XXXX ) When an agency such as this disregards the law and continues to send countless emails what other protections are available besides litigation and complaints? Their reckless disregard for privacy is apparent. 
I have quite a number of emails that I would be willing to share, which clearly show a pattern of abuse by this company.
Product: Credit reporting or other personal consumer reports

I recently check my credit report and saw accounts reporting that I do recognize
Product: Debt collection

I am having trouble getting an account off my credit report that I am currently paying on. I am making monthly payment every month. I have reached out three times about the same issue. I need this to be removed off my credit soon as possible because I still have the vehicle in my possession. They will not talk to me and want remove this possession off of my credit report. Which is not right they are reporting as a charge off / collection. It should be listed as a current account. I am trying to purchase a home. I am trying to get to the bottom of this situation because it is causing a hold up on my home buying process. How can an account be a charge off / collection if I am currently making payments? I ask that you all investigate my situation in Dept. because I will not stop until I get answers.
Product: Credit reporting or other personal consumer reports

I am writing to address the unresolved issue regarding my previous complaint against XXXX XXXX XXXX ( CFPB Report # XXXX ). Despite their response dated XX/XX/year>, in which XXXX XXXX XXXX stated, " XXXX XXXX has made a business decision to close your account and will submit a request to the three major credit bureaus to which we furnish information to update the account status as closed, '' they have not fulfilled this commitment.

Since their response, I have disputed the account with the three major credit bureausExperian, XXXX, and XXXX. However, in the most recent response from Experian on XX/XX/year>, they reported that XXXX XXXX XXXX verified the account as accurate, continuing to reflect the account as open. This inconsistency demonstrates negligence on XXXX XXXX XXXX part, as they have failed to take the corrective action they promised. 

The Fair Credit Reporting Act ( FCRA ) mandates that information reported to credit bureaus must be fair and accurate. Specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits the furnishing of information to consumer reporting agencies if the furnisher knows or has reasonable cause to believe the information is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Requires furnishers to investigate disputes forwarded by credit reporting agencies and to correct or delete inaccurate information after completing their investigation. 
XXXX XXXX XXXX failure to update my account status as closed, despite their explicit promise, and the subsequent verification of inaccurate information with the credit bureaus is a direct violation of these provisions. Additionally, this negligence undermines consumer trust and highlights a disregard for fulfilling commitments made to resolve disputes.
Product: Credit card or prepaid card

I have been charged a late fee of {$39.00} every month for the year despite making payments. This is in addition to 24 % interest charge as well as annual fee. Also, the institution is reporting me to the credit bureau affecting my credit in disfavor lowering my rating. I was making payments of $ XXXX monthly while I was on travel which was communicated to a representative before my trip of a destination with no internet access.
Product: Credit reporting or other personal consumer reports

From XX/XX/24 to XX/XX/24 I have 7 inquiries on my credit report not made by me. They are with the companies XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, TD Bank, and XXXX Card. None of these were made by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX did two unauthorized credit inquiries with Equifax, XXXX, and XXXX back on XX/XX/XXXX and XX/XX/XXXX on my credit report. I have did not authorize this and have not applied for a credit card their company. I mailed letter to them with my Driver License and XXXX. XXXX XXXX XXXX ID showing my identify. My SSN and identify has been compromised in the past. I had to do a police report back in XXXX of XXXX. XXXX XXXX has failed to respond to any other my letter even the certify letter. XXXX XXXX should removed the credit inquires for the dates above with all three credit bureaus describe above. I don't what other actions to take and have come to the Consumer Financial Protection Bureau for help with XXXX XXXX. They won't respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspended that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$0.00} XXXX XXXX/XXXX  XXXX {$490.00} XXXX XXXX   XXXX/XXXX  XXXX {$490.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$500.00} XXXX XXXX   XXXX {$1100.00} XXXX/XXXX XXXX   XXXX {$150.00} XXXX   XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER-DISCHARGED XXXX
Product: Money transfer, virtual currency, or money service

balance changed on cash app and no explanation why
Product: Debt collection

Requested information from the collection company regarding a copy of signed agreement with there company that I agree for them to buy this collection, also charged off account can't be sold after disclose on a 1099C by the XXXX. LVNV Funding LLC. XXXX # XXXX Reporting Agency XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed XXXX XXXX a letter requesting records that were sent to all three credit bureaus be sent to me. So that I can review what was being sent. I received those documents XX/XX/XXXX three letters each addressed to all three major credit bureaus. With just XXXX small sentences. Saying my account was charged off and sold. I cant do nothing about. Yet on that letter it states per internal documents the information provided is accurate and true. So everytime I dispute this. I am not being given accurate information. In XX/XX/XXXX I filed bankruptcy in XX/XX/XXXX it was discharged and revvi was included in that bankruptcy. Regardless if they sold the account to a collection agency as the original creditor they have an obligation to update the reporting. They have failed to. I have attempted 8 times with Experian XXXX and XXXX and cfpb and no one has done anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and verification of this record from the court, or delete this public record.
Product: Credit reporting or other personal consumer reports

I have paid this account and it should be reflected as closed, instead the account is still reporting negative and I would like this addressed immediately as it is affecting my ability to obtain new credit.
Product: Credit card or prepaid card

In XX/XX/XXXX I contacted Home Depot/Citi card and advised them of fraudulent charges totaling {$390.00} on my account the days leading up to XXXX. I was held to be liable for the purchases. In XX/XX/XXXX I  disputed these charges, provided evidence of my whereabouts at the time of the fraudulent purchases ( work etc ) and requested they review the purchases ( signature used and in-store camera footage ). XX/XX/XXXX I received a letter from Citibank stating the charges still stand and I was provided a copy of the receipts? This is useless, the receipts do not prove anything other than SOMEONE made purchases. That someone was not myself and my credit file is being affected.
Product: Checking or savings account

I am a protected citizen with a XXXX XXXX I am XXXX. Wells Fargo was asked by me to add a POA to my checking account for in case of an emergency only and with only written consent to authorize a transaction for y XXXX children. Instead the wells Fargo employee decided I should add a joint owner to my account i clearly stated that at no point am I authorizing any use of the account as she would require written consent from e in the case of an emergency and I was hospitalized and needed a transaction are to help my children to this day I have still never authorized any transaction. 
I do not check my account because I have direct deposit of my XXXX check and my work paycheck and I barely utilize my account and so I have just been trying to save enough money to buy a home. On XX/XX/XXXX I called customer service at Wells Fargo and was told my balance my account was almost {$50000.00} less than what it was supposed to be. They informed me that the person that they added to the account had made transactions since XX/XX/XXXX all of which I did not authorize because there has been no emergency. I disputed over 300 transactions and had to file 4 seperate case numbers for each type of transaction and a police report and a claim dispute on the wrongful doing of them adding her as a joint owner instead of a poa which is what I requested to begin with and them doing so without me having legal representation present due to my XXXX which is required putting me at risk. I then filed a police report. Wells Fargo came back and told me that because she was a joint owner on the account they would not reimburse me for any of the disputed charges. I contacted an attorney who informed me that due to Oregon State law wells fargo legally had to have a legal representative present with me to ever add anyone to my account due to my XXXX status and the risk of me being financially exploited and abused financially which is in fact exactly what happened. And the attorney said that they have to reimburse all of the funds to me because I am the one with direct deposit to the account and so that is my money and it is government XXXX money at that which is not for anyone else 's use but my very own regardless if they are on the account as a joint owner. The attorney also stated that due to my XXXX  XXXX they are mandated to protect me from financial exploitation and fully reimburse me and then go after her for the full amount due and criminally prosecute her.