23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my personal statement that the inquiries that I have listed are fraudulent and need to be deleted within four business days of your receipt of this report pursuant to 15 USC 1681c-2. Also, pursuant to 15 USC 1681e ( b ), my personal information must be kept 100 % accurate within my credit file. 

See Attached Identity theft report.
Product: Debt collection

On XX/XX/XXXX I received a letter in the mail about a {$50.00} debt due to The XXXX XXXX in XXXX, TX that had been sent to collections with Pro Collect. I paid Pro Collect in full in XX/XX/XXXX, I did not receive any kind of payment confirmation. Went to look at the account today and they are stating I sill owed money, paid another {$15.00} today XX/XX/XXXX. I just want them to stop adding money that is owed that is not real.
Product: Debt collection

I received negative past due/collection notice on a XXXX  account that is not mine. Identity theft. This is not my account and I have not ever had an account with XXXX. No one will return my calls and I have disputed this account through XXXX and filled a police report
Product: Credit reporting or other personal consumer reports

Since XXXX of this year, I have tried to solve a problem with the XXXX XXXXXXXX XXXX account, where since XXXX I had a vehicle loan with this entity. account that ends in XXXX. 

On multiple occasions I contacted the credit agencies which the information they share is incomplete, and incorrect and even without any registration and likewise report the account as verified, completely violating the regulations of the FTC. 

I have been communicating since XXXX of this year with the company where I have XXXX afternoon payments of an account that were presented in XXXX and which the payments were made on time without any problem but then I suffered bank theft and my accounts were closed for security, and the payments were returned but it was immediately resolved and the loan was paid in full without having any difficulty with this account. 

Unfortunately, this company sent him letters explaining the situation so that this information was corrected and their response was that the account was archived because it is already closed and they could not change anything that talked to the credit agencies. 

So I am writing by this means so that the necessary measures are taken so that this information is corrected or removed from my credit report since as established by the FTC, it was due to an identity theft issue and my credit and my person were negatively affected.
Product: Debt collection

Medical revenue service called around XXXX today XX/XX/2021 I was told I work and my wife needs to learn to pay bills because she is a debt collector as well. I ended the call with the person on phone as I felt threatening by this person who is calling me from Florida did not I'd who they are did not give mini Miranda nothing. I called my wife she called them they got angry with her she told them do not call me or her again as they have not sent any letters to our home justifying who they are. What can be done bout this harassment and threats.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX denied my claim XX/XX/XXXX to pay off the rest of my car loan which the vehicle was totaled. They claim that my claim was denied because of commercial use. But In the contract it states the vehicle is permitted for commercial use. And GMC Financial is still reporting late payments to the credit bereau because of this.
Product: Credit card or prepaid card

My payment is late this month by 16 days, Im struggling financially and needed a few more days to get it paid before the 30 days hit. Chase bank calls me multiple times a day and wont stop calling. On Monday XXXX they called me at XXXX, XXXX XXXX, XXXX, XXXX XXXX. I have asked multiple times for the passed few weeks for them to stop calling me so many times one call a day would work if they cant wait till the date I told them I would pay. They wont stop harassing me and then hang up when I try and talk. They call on multiple numbers. I have attached a screenshot of the calls that I have left that I didnt delete since they were overloading my call history.
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX  Inquiry : 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 XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + Auto XXXX XXXXXXXX OF XXXX LA XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New XXXX XXXX XXXX  : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Auto Financing These inquiries were not authorized by me and would like them removed immediately
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Furnishing and Reporting Inaccurate Information ACCOUNT # 1 : XXXX XXXX ( Account Number : XXXX XXXX ) 1 ) Delinquency First Reported : XX/XX/XXXX- Not accurate, based on payment history provided by XXXX, I made a payment as of XX/XX/XXXX. ( Paid on Time ) 2 ) Date of Last Payment REPORTED as of XX/XX/XXXX - Furnishing and Reporting Inaccurate Information. XXXX is showing that XXXX reported a " Charge Off '' in XX/XX/XXXX. Again, not accurate! 

RESOLUTION : Delete Account and Negative Remarks from my credit report immediately. 


ACCOUNT # 2 : XXXX XXXX XXXX ( Account Number : XXXX XXXX ) Furnishing and Reporting Inaccurate Information 1 ) Reporting to XXXX that the account first opened XX/XX/XXXX and that the date of first delinquency was XX/XX/XXXX. These dates do not make sense or add up. 


RESOLUTION : Remove account and negative remarks from my account immediately. 


ACCOUNT # 3 : LVNV FUNDING LLC ( Account Number XXXX XXXX ) FAILED to provide documentation of verification and of the following requested information : Deferred Payment Start Date Date Closed Date of Last Payment Scheduled Payment Amount Actual Payment Amount Charge Off Amount RESOLUTION : Remove account and negative remarks from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX both continue to display an inadequate and fraudulent collection account on my credit report. XXXX XXXX does not handle there own collections and as a result of a favorable dispute filed against XXXX XXXX XXXX for an account that was completely covered my my XXXX   XXXX XXXX XXXX XXXX plan active during the alleged incident the account can only be labeled as a billing error on XXXX XXXX end or ID theft of some sort. 

XXXX XXXX XXXX now displays the collection under the hospitals name but with there adrress. 

That on its own is out right fraud.
Product: Money transfer, virtual currency, or money service

I moved on US government orders and opened a bank account with XXXX XXXX XXXX, which is an affiliate of XXXX XXXX XXXX XXXX with headquarters in XXXX XXXX, TX. I properly linked my Chase account with the XXXX XXXX bank through the external deposit verification process. I was able to transfer funds initially. I tried to transfer funds again but my account was locked and XXXX. I was able to unlock it through calling Chase and explaining the situation. They said it should be fine. I linked the XXXX accounts again through the verification process, but again it was denied and my Chase account was blocked. I called again to unlock it and also ask how to ensure transfers go through, as I live in a mostly cash economy. XXXX the supervisor said there was no way to make these transfers and I should pay to wire funds. This is a XXXX XXXX  and my name is on the account, and now my funds are being held XXXX ; and to access these funds and make transfers, I have to pay expensive fees over the next many years of my assignment here. I asked over and over what I can do to confirm to Chase that I own this bank account, but there is no process, and my account would now continue to be locked if I kept trying. 

Requesting CFPB to look into these unfair transaction fees and practices to use my own funds. I have been using XXXX transfers for many many years. Seems to be discriminatory against military accounts especially.
Product: Mortgage

Our mortgage company ( Carrington ) did not make our home insurance payment. We paid in advance when we refinanced and make monthly insurance payments through Carrington as part of our monthly payment. 

Our insurance company ( XXXX XXXX ) cancelled us in the middle of a roof repair for non-payment. Both companies go back and forth about who's error it was. Our home has been hit by several winter storms and the roof was never completed by the contractor because they could not get a response from XXXXXXXX XXXX 

The ceiling in our kitchen, living room and downstairs bedroom has flooded and ruined the drywall and flooring. We make our payments for both the home and insurance. Countless calls to both companies with no resolution. We can not afford to pay for the damage that keeps accruing. We opened the roof claim in XX/XX/2023 and the insurance said the roof was a total loss. We paid the deductible and started the work. Our contractors attempted to contact XXXX XXXX in XX/XX/2023 and told we had been cancelled. We called our mortgage company and they overnighted a check. The check was not in the full amount and we have yet to see any funds returned to our escrow. Carrington is now sending threatening letter and forcing their insurance on us, which is increasing our mortgage. Carrington also states they are not responsible for the damage to our home.

We really need some help. We have an FHA loan and are on a fixed income. With XXXX kids in college, we don't have the funds available for a lawyer or repairs. Thank you for your time and consideration. 

Respectfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wfie and I mailed letters to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on our credit report. According to credit reporting law, they were supposed to investigate the errors, and respond to us with the results of our investigations within 30 days. The 30 day period expired back on XX/XX/XXXX, and we have still not seen any responses from any of the three bureaus.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : 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
Product: Debt collection

This is not my account and I've not been aware of this account/received any form of communications about this. This needs to be removed ASAP. It shows on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the XXXX  of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX  Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I was reviewing my credit report, I realized that my consumer rights are being violated by Experian. 

The following accounts are being reported by the Experian, and must be removed immediately for violation and inaccuracy : XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy Report Number XXXX XX/XX/XXXX Report Number XX/XX/XXXX XXXX 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 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. 1681c. ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : A personal shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information may be inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX  Account Number : 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Received a notice from XXXX XXXX and XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX attorney for XXXX  and file number is XXXX. 
XXXX XXXX XXXX vs myself Judgement owed is XXXX now the balance due is XXXX. 
They are stating this is an important notice : please read carefully failure to comply with this information subpoena may result in your arrest and incarceration.
Product: Credit card

In XX/XX/XXXX, I received a letter from Comenity Bank ( previously XXXX XXXX  ) stating that I need to use my XXXX extra points XXXX  credit card otherwise they will close the account. Its been a year+ since I used it last. Since I didnt want a closed account reflected on my credit report, I used the card in XX/XX/XXXX and made five transactions ( see attached transaction 1a ). It was promptly paid off in XX/XX/XXXX. On XX/XX/XXXX, I received a text message from Comenity fraud ( see fraud text ) asking if I can verify the purchase of {$440.00} at XXXX in XXXX TX and asked if it was me, I replied with NO ( note : this was the attempted third transaction ). I called the fraud department telling them that I see two fraudulent charges one at XXXX in XXXX for {$350.00} and one at XXXX XXXX in XXXX for {$490.00}. The attempted third charge was at another XXXX in XXXX. All of these charges were made back to back on XX/XX/XXXX. They closed my card and opened a case investigation. I have not received or heard anything from them until I received a bill on XX/XX/XXXX for the full amount owed. I called them and they said that they came to the conclusion that it was my responsibility because the transactions were chip-read. I asked if they did an investigation what the time was on the transactions as I was caring for my then 11 month old grandchild in XXXX TX ( see attached Supporting doc ). They did not get any time. I believe my card information was stolen from a XXXXXXXX XXXX XXXX in XXXX on XX/XX/XXXX - this is called shimming ( see attached Shimming document ). They claim that this can not be done with their cards so Im responsible. I sent documentation via certified mail proving my whereabouts on XX/XX/XXXX. They received the documents, via mail and email, downloaded them, but have not done anything since. I received another bill on XX/XX/XXXX, with {$18.00} interest charges added to the fraudulent charges and requested payment by XXXX XXXX ( see attached bill ). I contacted them again and the representative then stated that it sounds like someone got ahold of my card and tried using it as fast as they can at as many places they could. He stated he will forward my concern and comments to the investigators in hopes this will be overturned. I would like this matter investigated with them contacting XXXX XXXX, who can vouch my whereabouts on XX/XX/XXXX and I would like these fraudulent charges removed from my account.
Product: Student loan

In my particular case, I was attempting to schedule a student loan payment to WELLS FARGO via their website so I could leave town &  know my bills were paid. Since XX/XX/2011 I have never been allowed to schedule the payment nor has it ever been late. Whatever day I went to their website was the day the payment would be pulled from my account. Today I decided to contact them and ask why I wasn't permitted to schedule the payment instead of same day pull of payment. The only explanation that I received was that WELLS FARGO doesn't permit the scheduling in advance of a student loan payment. Basically there is no real reason other than " because I said so '' from WELLS FARGO. I was told that I had to either do auto draft or log in on the day I wished to pay. This information was provided to me by their technical support team because there was confusion on the part of the customer service rep that first attempted to assist me. Even the technical support lady couldn't understand why I wasn't allowed to schedule a payment. Again, I have never been late on this payment - ever. My call was transferred back to the student loan dept and the supervisor basically said that this is how WELLS FARGO set up my student loan. With today 's technology, I should have the ability to schedule the payment to WELLS FARGO.
Product: Credit card or prepaid card

My credit card is for PC Richards but with synchrony bank. On XX/XX/XXXX I had my 2nd decrease in my credit limit in the last few months. I contacted the company the 1st time they decreased my credit limit, To try to determine why my credit limit was decreased and also why I was not notified of the change. I was greeted with nasty comments and being hung up on and still no notice being sent to me after speaking with two different people. Now on all this XXXX it happened again without any notice being sent to me. Each time the change pushes me over my credit limit, which drops my credit score. Then they charge me a over the limit fee on top of it. I only find out about the changes because I have XXXX XXXX. I have been with the company a few years and constantly make my payments. Then when I call them and ask why I'm not receiving the notice or being told when I login into the account. I'm told they only send the notice in the mail and pass the buck onto the post office. They say they sent 3 notices but I haven't gotten any at all. I was forced to ask them to read it to me over the phone and the reasons she gave me were lies. They did the same thing with another account I had with them until I was forced to close the account. Even though the account was always {$0.00}. The PC Richards card hasn't been used in some time now. I have never had cards lower this often before this.