23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My original note was owned by XXXX Bank and I was given a loan modification, at the same time I was offered the Loan Modification my loan was sold To Nation Star Bank and subsequently my loan modification offer was not honored and I was forced to resubmit for a new loan modification. All of the income and documentation was the same and I was turned down for a loan modification. I have resubmitted several times at the request of Nation Star and have been turned down each time.
Product: Money transfer, virtual currency, or money service

My company, XXXX XXXX used loan servicers XXXX XXXX and XXXX XXXX at Residential First CapitalXXXX XXXX XXXX, CA for servicing a debtor. 

We were successfully paid off by the debtor and the money ( {>= $1,000,000} ) was wired to Residential First Capital 's bank account. 

Residential First Capital has refused to wire over XXXX 's cash unless I sign a waiver to release all claims that I may have against them for servicing the loan and I pay XXXX XXXX {$6000.00} in consulting fees. XXXX has no right to deduct any such fees from this money, but the bigger issue is that they are tying the handing over of my cash with this release of claims waiver. They are attempting to blackmail my company and hold it's cash XXXX unless I sign this waiver. They have made their demands via email ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to dispute the following unauthorized credit inquiries on my Equifax credit report. These were done without my permission. 

XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX   XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX I am also requesting the following addresses be removed as they are not associated with me. 

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

I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter as well as filed a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

Fraudulent and unauthorized information persists on my consumer report despite multiple resolution attempts. These inaccurate entries, which I never authorized or consented to, have caused significant stress and anxiety as a victim of identity theft.
Product: Payday loan, title loan, or personal loan

I am an XXXX XXXX XXXX in the XXXX and I was XXXX XXXX XXXX XXXX of 35.948 % or one loan and 34.025 % on another loan for a 24 month time period.
Product: Debt collection

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Product: Credit reporting or other personal consumer reports

There is an INNACURATE reporting on my credit report that is NOT VALID!! A collection account that is listed from Jefferson Capital Systems is now showing on my report. I am not liable for any debt involving this company as no contract was signed between myself and this company. I am not liable for this debt with XXXX XXXX, as shown on my credit report, I do not have a contract with Jefferson Capital Systems, they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED SOME ACCOUNTS THAT I DO NOT OWE TO. I DISPUTED WITH XXXX AND XXXX AND EQUIFAX, I WANT THESE ACCOUNTS DELETED ASAP, I WILL SUE IN FEDERAL COURT, AND I ALSO FILING A XXXX   COMPLIANT, DELETE ALL ACCOUNTS FROM CREDIT REPORT ASAP
Product: Credit card

Date of Transaction : XX/XX/year>2024 Amount request for Balance Transfer : {$13000.00} Balance Transfer Fees : {$520.00} I did a balance transfer on XX/XX/XXXX to this Debit card account ending in XXXX. 
Although Barclays reported that the current amount of {$13000.00} has been transferred to the account I did not receive any funds up until now. I've called customer service to get an update but I was told that it may take a while to post on my XXXX XXXX account. I waited for so long that the status was already showing processed from Barclays and wanting me to pay the XXXX XXXX that is due on XX/XX/XXXX, added to my monthly statement without receiving the funds on my XXXX XXXX account. 

The options from the application are Credit or Loan account but I ended up putting my Debit card number ( Which in fact should go to the bank account number if money were transferred ) which they should have stopped and canceled the transaction but then proceeded with the requested action. I asked if this could be reverted but since the transaction had been posted they couldn't help but investigate.
Product: Credit reporting or other personal consumer reports

Ive contacted the credit agencies in hopes that you would assist me in the verification of items shown on my credit report. I also have reached out to each collection agency that currently services my accounts on the report. Ive repeated requested documents i.e. original contracts and agreements with my signature to ensure information is correct and not fraudulent. Its been several months and Ive not gotten a response.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the ongoing inaccuracies and lack of resolution regarding my XXXX  XXXX XXXX account, number XXXX. Despite numerous attempts to rectify these issues, both directly with XXXX  XXXX XXXX and through previous complaints to the CFPB ( XXXX XXXX XXXX ), the problems persist. 

This issue has persisted for over 195 days, causing significant stress and financial hardship. I implore the CFPB to take immediate action to resolve this matter and hold XXXX  XXXX XXXX accountable for their repeated failures to correct these inaccuracies. 

Specific Issues : Incorrect Account Status : The account is erroneously marked as " Charged Off/Never Late. '' This is contradictory and misleading, and may violate 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ).

Inaccurate Balance Reporting : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. This discrepancy may violate 15 U.S.C. 1681i ( a ) of the FCRA.

Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Impact on Credit Report : These inaccuracies have negatively impacted my credit report, hindering my ability to obtain credit, housing, and other financial services.

Previous Attempts and Lack of Resolution : I have previously contacted XXXX  XXXX XXXX to dispute these issues. Despite assurances from their representatives that they would investigate and resolve the matter, no corrective action has been taken. I have attached copies of emails and correspondence to substantiate these claims. 

I demand that the CFPB take immediate action to resolve this matter within 14 business days. This includes investigating the inaccuracies, ensuring that my credit report is corrected, and holding XXXX  XXXX XXXX accountable for their repeated failures to comply with fair credit reporting practices, specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681e ( b ) of the FCRA.

Thank you for your immediate attention to this urgent matter. 

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

I was told once I complete the XXXX XXXX XXXX Program, my student loans accounts would be out of default, and ALL NEGATIVE information would be removed. Only 3 accounts were removed and 2 remained with ALL NEGATIVE INFORMATION. Please remove these accounts. I were told ALL INFORMATION WOULD BE REMOVED FROM THE DATABASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in  XXXX   2017 , I contacted   XXXX   XXXX   and made a payment of about {$3500.00}, at that time I asked if I was up to date and was told by their employee that I was yet they continue to report me late to the credit bureaus.  XXXX   XXXX ,    2017  I made another payment of about {$3500.00} and according to their records I am up to date yet they continue to report me late for the month of  XXXX . I emailed them today. Also I called the investigation department to get a copy or make an appointment to go over the audio recording from  XXXX  about when their employee said I was up to date but no one responded. Not only that  XXXX   XXXX  continues to report me deceased to the credit bureaus. These errors have caused me thousands of dollars. I cant refinance because they report me late, I cant get a new car or refinance my current car because they report me late. I was denied services such as TV prior because they reported me late. I also filed a complaint a few months ago with the same complaint. What can I do? Who can I contact to file suit against them for the money I am out?
Product: Credit card or prepaid card

Hello, I have a matter concerning deceptive practices that I would like your help with. 

In XXXX of XXXX, I called my existing credit card company and requested to close an account I had with them. The rep that I spoke to said that I would need to speak to a manager to close my account, so after spending 10 minutes with her, going on about why she felt I should not close my account, she transferred me to her manager.

This person tried multiple routes to convince me NOT to close my account. I was very set on closing my account since I was streamlining my finances, and wasn't using this account anymore. The manager explained that since I had had the card for a while, closing the account would 'destroy ' my credit history, and that if I kept it open, he would make a note that I didn't intend to use the account, and flag it if there was ANY activity. He assured me there were no fees, and no downside to keeping it open.

The point he raised around my credit seemed like a good one, and since he said there was 'no downside ', I decided to keep it open. I made sure any billing that was linked to that account was stopped, fully paid down my existing balance of about {$700.00} dollars, destroyed my card, and thought I was covered.

Then, last week, I got a notice from a credit monitoring service I use, saying my credit had dropped over 90 points bc I had a bill in collection, and it was with this credit card. I immediately thought this must be some kind of fraud, so I called the credit card company. 

On XX/XX/XXXX, I called, and a rep there, XXXX, told me that I was past due on my account bc I had an unpaid annual fee. He said that since I hadn't had any charges on the account, but still had an open account, they had assessed a fee to keep the account open. 

I explained the situation from a year back, how the rep told me there was 'no downside ' to keeping the account open and didn't disclose that there was any annual fee. I also explained that no one from the company had tried to contact me - not by mail, email, or phone - despite having all my contact information. I had not even been contacted by collections, but had to call in myself to see what was going on. 

XXXX told me that he couldn't help me, but had submitted my complaint to a manager and I'd hear back within 2 business days with a path to resolving this - 5 business days later, and I still haven't heard anything back from this company. 

When I tried to close this account in XX/XX/XXXX, the company 's rep deceived me in an attempt to get to me to not close my account. The company never contacted me about the past due annual fee to let me resolve this before it went into collections and tanked my credit, and I have attempted to resolve it with them, but no one has responded to my issue. 

Please help me resolve this issue. I would like to purchase a home soon, and losing 90 points on my credit is a very serious situation for me. 

Thank you for your help.
Product: Debt collection

Company contacted distant relative relating information about the debt owed. Told said relative who they were and why they wanted to locate me. Have requested no contact with 3rd parties previously.
Product: Debt collection

I received a call regarding a balance ( {$140.00} ) on a payday loan from First Virginia. I advised I did not take out a loan with First Virginia for that dollar amount and settled the account with a different collections agency. The rep asked me to fax the receipt. I advised I had to find it since it's been well over a year. I called the debt collector ( XXXX ) today and advised I found my receipt but did not have the ability to fax it at this time. I asked if I could email it and was advise that wasn't an acceptable form of transmission. I then proceeded to advise the rep that I am disputing the debt and requested that they send me documentation supporting their claim. The rep advised I had to settle the outstanding amount prior to them sending supporting documentation for the claim. The rep continued to advise they are not required to send me anything showing proof of this transaction and hung up.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported on my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

XXXX  XX/XX/XXXX - Wells Fargo called me - from a Wells Fargo XXXX number. They stated that there was some suspicious activity on my account. They said there was someone in Florida in an apple store trying to make a purchase. I said that is NOT me! They said ok. we will shut that down.. I said " I am not sure how they got my card because my card was hacked on XXXX  and they cancelled my card. '' He said oh .. '' Wells Fargo loaded the new card to your digital wallet. Oh and while we are on this call... they have now tried to make another purchase! '' I said " oh gosh that is definately not me! '' He said " ok we are going to take care of this. Let me transfer you to my co worker '' He did NOT disconnect the call .. he transferred me. Another man got on the phone and said " Hello- I'm XXXX XXXX XXXX Here is my badge number ( I don't remember it ), your report # is XXXX. I am going to get this all stopped and get you going about your day '' He then proceeded to tell me... log into this, put in this code, I will send you a code, enter that. I followed all his directions and then {$190000.00} gone! The number came from WELLS FARGO, the guy sounded so legit. Now... Wells Fargo is not giving my money back. That is ALL our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Equifax They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my most recent Equifax report, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again Im challenging inaccurate Items previously disputed ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ). Dispute reason : remove this account because the Status updated date didn't change/updated, this irrefutable proof that no investigation was done as per FCRA remove for violation However, in the CRA dispute results report they claim the items was verified as accurate and updated but how could this be? when the date of status date didn't change/update after the investigation was done, this proves that no investigation was ever done. Status updated date didn't change/updated even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the Status updated date didn't change/updated to be a current updated date as per FCRA. 
It is to be noted that prior to dispute with the CRA, inaccurate items XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX status updated date was ( XX/XX/XXXX ),  XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX these late payments are completely wrong. I need for you to remove this account because theres no way for you to legally verify XXXX This account can not be legally verified because failure to display and properly identify creditor name, address or phone number as per FCRA- remove violation XXXX This account can not be legally verified because failure to display and properly identify creditor name, address or phone number as per FCRA- remove violation XXXX This account can not be legally verified because failure to display and properly identify creditor name, address or phone number as per FCRA- remove violation After what is known as an investigation that was conducted and completed by the CRA, Equifax report still shows the Status updated date didn't change/updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : Medical ( Original Creditor : ) XXXX Balance : {$39.00} Medical ( Original Creditor : ) XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2700.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working for months to resolve an incorrect late payment on my credit report. Discover says to dispute it with the credit bureaus, they say Discover needs to correctly report the account as never late. As usual the consumer gets XXXX by these negligent companies that make you go through 30 min. of security hoops and hold times every time you try to contact them. 

In XXXXXXXX XXXX an unauthorized {$2.00} charge was made on my mom 's Discover card without her knowledge and went unnoticed. She was subsequently in and out of the hospital and did not check her statement, since the account balance ( as far as she knew ) was XXXX. Discover reported this as 2 late payments, 60 days and 30 days. 

My mom called Discover when she learned of the issue and replaced the card, and added me as an authorized signer to try to help resolve the problem. The 60 day late payment was removed, but not the 30 day late payment, which is still on there damaging my mom 's and my credit score. 

Discover continues, month after month, to claim that they have fixed the issue and are not reporting the late payment any more, and that I should dispute with the credit bureaus it if I want it resolved quickly. The credit bureaus insist that they are accurately reporting it and that Discover is still reporting a late payment. The last time I contacted them, XXXX completely deleted the account altogether then denied any knowledge of it. I was able to get it restored but the late payment is once again on both credit reports. 

This applies to XXXX and XXXX. XXXX stubbornly refuses to list the account at all.