23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reported disputes multiple times to the company with NO proof of the debt. My XXXX rights were violated as I never XXXX signed any agreements to sell my medical information to a third party debt collector without my consent or knowledge. Under the FCRA I never received any information regarding the 3 collections from Wakefield and associates. They also reported these collections late to other credit bureaus to hurt my score collectively. I demand that that all 3 collections be deleted since I sent numerous disputes to the company with again no email communication or mail verification of debt and or copies of wet signatures that I agreed to sell my information to a third party collection agency. That violates my XXXX policy and its against the law. Please delete all Wakefield and associates collections from my report as there was no wet signature of my agreement with a third party company and that they violated my XXXX privacy. Please delete all Wakefield and associate accounts on my XXXX and XXXX reports as they have been removed from my experian report already.
Product: Mortgage

Update on mortgage that was closed in late XX/XX/XXXX late at night in XXXX XXXX CT without a notary and without a lawyer for me or American Financial Network, INK. 

To add to the existing issues reported I got a call from American Financial Network at XXXX at XXXX PM and said for me to call them by automated dialer. I responded by calling them back at XXXX PM a minute later and spoke to someone that I have spoken to previously. I was placed hold for about 4 minutes and was hung up on when I asked about loan modification and documents. 

I then called back at XXXX PM and was hung up on again. 

I have submitted documents that have been requested for approximately a year and every time I submit what is requested of me, I am told a month or 2 later that a paper needs to be updated ( which is good for a month such as bank statement ), then after 1-2 month review the response is over and over, and over again. 

There is more as the workers 1. Give me contradictory information everyone I call as documented in recordings that I have done and the company is required to do. 

2. The workers give me no information that is helpful. The firm issue the workers do is demanded which tone of voice I use when talking to them and talking in a passive and subservient tone. I've accommodated a few times in return for the loan modification getting done and no luck. 

3. I was told to get the right documents in and that it's like a program for approval. When I told the manager 2 months ago that a program is " only accurate if the right data is put into program '' she got mad and was short with me. 

I have continually asked XXXX what documents they need and when I present them they say they need something else and the process never ends. For instance I submitted a Profit and Loss for XXXX and then after a month plus of review XXXX tells me that I also need to sign the document ( after a month plus review ), and then after I submit the new document I was told that I needed something else about old mortgages that I no longer have and on and on and on. 

The contradictory information with every call is made worse when I'm told by XXXX that American Financial Network is not handling the loan modification and then I'm getting calls from American Financial Network and no there just hanging up on me since these Consumer Finance Protection Bureau complaints. 

THIS company and or XXXX has no process or consistency that I can follow and are RANDOMLY making policy and making demands to me as is FINANCIALLY and most feasible action as this complaint is in the works.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1668B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I submitted a FTC report as well and Transunion is allowing XXXX XXXX XXXX XXXX to violate my Fair Credit Reporting Act.
Product: Credit card or prepaid card

I am writing to express my disappointment and frustration with a recent experience involving Chase 's new " My Chase Plan '' service. 

On XX/XX/2023, I inadvertently enrolled in the " My Chase Plan '' service for a charge line amount of {$6000.00}, with the transaction date being XX/XX/XXXX. My intention at the time was to explore this new service, as I was curious about its features. However, I quickly realized that the navigation process lacked the option to revert to previous steps or cancel actions. This unfortunate sequence of events led to my unintended enrollment and subsequently, a fee of {$31.00} was charged to my account as of the XX/XX/XXXX month closing statement date. 

Understanding the gravity of the situation, I promptly reached out to Chase customer service within minutes of my accidental enrollment in " My Chase Plan. '' I conveyed to them that I had mistakenly chosen this option and kindly requested its cancellation. It is important to note that this transpired shortly after XXXX XXXX  XXXX XXXX. I immediately provided evidence of my actions, having taken a screenshot of my selected option, clearly indicating that my request to avail the " My Chase Plan '' option was under review. The status displayed as " in-process '' at precisely XXXX XXXX. 

In my plea to customer service representatives, I emphasized the urgency of my situation, beseeching them to revoke the unintended enrollment and eliminate any associated fees. To ensure absolute clarity, I executed a full payment of {$6900.00} on XX/XX/XXXX at XXXX XXXX, two days prior to the due date. This payment included the {$6000.00} charge, effectively nullifying my initial request to utilize the " My Chase Plan '' service.

I am reaching out to you with the hope that this matter can be resolved amicably and in a manner that maintains the trust I have in Chase as a financial institution. It is my sincere belief that a fair resolution can be reached, wherein the erroneous fee is waived and the accidental enrollment is rectified.

In my opinion this is very deceptive and fraudulent scheme to fool unsuspecting customers. If they don't make any amends to this, i'm sure more customers will be impacted by this deceptive practice and lose trust with this company and financial institution as a whole. 

I appreciate any attention to this issue and anticipate a favorable resolution. 

Regards, XXXX
Product: Credit reporting or other personal consumer reports

As of late I decided that I need to keep a closer eye on my credit report. Upon review I was shocked and horrified to find a myriad of errors being reported on my credit report. These inquiry reportings are unsubstantiated and causing mayhem in my personal and business life. I am needing to get funding for my business and these dubious errors are causing unnecessary stress and harm to my mental health.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX  XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX  XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


XXXX XXXX, XXXX, and Equifax have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a letter explaining to them about inquiries and other negative items that i did not consent that are reporting on m credit file.
Product: Debt collection

On XX/XX/ there was an account opened under my name for the amount of {$2200.00}. I was contacted by the creditor regarding payment. I explained that the account was opened fraudulently under my name and that the loan was not mine. They mailed me papers requesting a lot of personal information that should already be in their possession if this loan was in fact mine. I was not comfortable sending back these forms with all my personal information including birth date and social security number. The account was charged of and placed in collections. I am now being sent collection letters from a different creditor that bought the debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit profile regarding a reported XXXX late payment from XXXX XXXX XXXX for XX/XX/year>. Despite my ongoing efforts to resolve this issue, the incorrect entry remains on my TransUnion credit report, and I am seeking immediate action to rectify this situation. 

Since discovering the XXXX late payment entry, I have submitted comprehensive documentation that clearly demonstrates I was never late on my payments during the specified period. This documentation includes bank statements, payment confirmations, and correspondence with XXXX XXXX XXXX, all of which confirm my timely payment history. Despite providing this evidence, my credit report has not been updated to reflect the accurate information. 

The continued presence of this erroneous late payment on my credit report is having a significant negative impact on my ability to obtain new credit and secure housing. Lenders and landlords rely on accurate credit reports to assess risk, and this inaccurate information is unjustly hindering my opportunities for financial growth and stability. As a result, I am facing challenges in accessing credit options that are critical for my financial well-being. 

I urge TransUnion to take immediate action to review the documentation I have provided and correct this misinformation on my credit report. It is essential for my credit profile to accurately reflect my payment history to facilitate my ability to obtain credit and housing. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of this issue.
Product: Student loan

I called to see about lowering my payment as I am struggling to complete all student loan payments and maintain my other bills needed in order to live day to day and was told time and time again there was nothing they could do to help me with my loan not even defer.
Product: Mortgage

I submitted a loan modification back on XXXX XXXX, XXXX and was denied XXXX XXXX, XXXX. I have fallen behind on my monthly payments for various reasons. I have not had a stable income because I have been employed and unemployed throughout the years. I lost my job in XXXX and all of XXXX I was unemployed. I got by on a day to day basis depending on the rental income that I would receive once a month but as of XXXX XXXX the tenants stopped giving rent. My son who was also helping me financially moved out and I have had to stay and deal with the tenants who are occupying the home without paying. I have seeked helped to evict the tenants but it takes money ; which is something I do n't have. I 'm doing my best to try and save my home. I have thankfully been blessed with another job but I do not have the money to reinstate based on the circumstances that I have mentioned. Please help me save my home as I do n't know where I will go if I lose it.
Product: Checking or savings account

XX/XX/2023 it was XXXX dollars and its not even in the account and they always take money from me mf I have to keep disputing it. My job accidentally deposited {$76.00} on this Albee account and the money isnt even there
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

Rental report received by XXXX XXXX and there were inquiries needed to be disputed and were done so. The rental report was returned with all information remaining present and unchanged in any regard. The screening company utilized Contemporary Information Corporation to review the disputed information on report. The report was returned on Thursday, XX/XX/2024.
Product: Payday loan, title loan, or personal loan

Company has not tried to fix the problem, as stated in their precious response
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint again and I will keep filing this complaint as Experian Is fraudulently reporting XXXX XXXX credit card account being managed by a debt management company which it is not. This account once again was filed in my XXXX XXXX as of XX/XX/2020. So again they need to fix this account and remove the comment off my report as well as being reported as a recent delinquency or I will contact my lawyer that filed my XXXX XXXX and make them aware that you are not reporting the information correctly. Experian along with these other credit reporting agencies need to be shut down because they never have all the same or accurate information on a consumers report and the government keeps letting these companies get away with fraudulently reporting information especially when it involves my interest rate that I will have to pay for my credit terms. They better fix it or I will notify the news and have them broadcasted for fraudulently reporting inaccurate information. I will continue to file a dispute everyday all the until it is fixed
Product: Credit card or prepaid card

It all started late XX/XX/XXXX when I finally discovered that there were fraudulent credit card purchases made under my name. I was scared because the person that did it was my sister. I then told the Wells Fargo bank that I lost the card but in reality I wanted to get the credit card out of my sister 's possesion. A week after, I finally took the courage to go to my local police station to file a police report against my sister. Next, I went to my local Wells Fargo bank and reported credit card fraud against my sister, who happens to be a manager at Wells Fargo. I found out that this account was opened XX/XX/XXXX. That was a week after my 18th birthday and I was 21 when I found out about this fraudulent account.  The Wells Fargo bank then made their investigations. Months had gone by and I didn't receive an email neither a call regarding my fraud claim. I called the fraud team of Wells Fargo and they gave me the disappointing news that my fraud claim had been denied. They denied it because they said there was money being transferred from a saving account that I had no idea was under my name to this fraudulent credit card account. Once I found out about the savings account I decided to report that as well so the bank could see that I had no idea about that money being transferred neither this credit card. I got them to investigate again, but this time giving them evidence such as police reports, text messages between my sister and I, a letter proving of the places I lived, contact info of other victims, and bank statements. I did this so they could really see that I never opened that account and my sister was guilty. I also wrote them a letter to provide additional information. They called me to get further information. The fraud team of Wells Fargo wanted me to scan my personal information like social security. This made me think that they were getting the idea that it was a fraud. I called them to check the status of this fraud claim and they denied it again. Their next excuse was that there was no new information provided so they considered that I was the person who authorized those charges. That excuse really frustrated me and didn't make sense. I was feeling like they were protecting my sister because she is a team member of theirs. I also felt like they didn't want to own up to the fact that it was fraud because it could make their company look bad and mess up their reputation.

XX/XX/XXXX I sent a letter to the Credit Union explaining my situation of identity theft. They sent me a confirmation letter of certain items removed but they didn't remove the Wells Fargo account that is really affecting my credit. I am still getting notifications about late payments of charges that I am not responsible for. Around {$900.00} is owed for that Wells Fargo credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three months ago I received your correspondence on this alleged account stating your verified / updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

During Covid 19 my information was stolen from my apartment this included a drivers license and social security card. There is a police report. Getting the report is difficult because they are back logged months. Chexsystems has two accounts that they are mine and they are not. I ask that proof these be provided bearing my signature or they be removed while I obtain the report they requested.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Service Team, I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation was made in error and would like to request a re-investigation of my case. 

Firstly, I would like to emphasize that I have not violated any PayPal policies. I have always been a responsible user of your platform and have never engaged in any activities that could potentially harm PayPal or its users. Therefore, I was surprised and deeply disappointed to learn about the permanent limitation on my account. 

Secondly, I would like to highlight that I value the services and opportunities that PayPal provides and would like to continue using your platform for my personal and business needs. Being unable to access my account has caused me significant inconvenience and financial losses, and I would appreciate your prompt attention to this matter. 

Finally, I respectfully request that PayPal re-investigate my case and restore my account if possible. I am confident that a thorough review of my account history and transactions will confirm my compliance with all PayPal policies and procedures. 

I would like to thank you for your attention to this matter and look forward to a favorable resolution of my appeal. 

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

I've recently discovered an error in my consumer report which falsely indicates that I missed a payment on the account linked to Account Name : XXXX. I want to stress that I have an impeccable payment record for this account, and I possess evidence to support my assertion. 
Per 15 U.S. Code 1692j - Furnishing certain deceptive forms : It's illegal to intentionally create, assemble, or provide any document with the knowledge that it could deceive a consumer into believing that a party other than the original creditor is involved in collecting or attempting to collect a debt owed to that creditor, when in reality, such party is not engaged in any such collection activity.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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