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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX Recovery And Account # : XXXX date opened XX/XX/XXXX bal. {$5500.00}, XXXX & XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$3600.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$2200.00}, XXXX & associates Account # XXXX date opened XX/XX/XXXX XXXX {$1500.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00} XXXX XXXX & XXXX Account # XXXX date opened XX/XX/XXXX bal. {$620.00}, XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$620.00}, XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$490.00}. Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XX/XX/year> at XXXXXXXX XXXX I called to settle debt .with Amsharecolletctions And he says its XXXX ways he can take it off. I can pay and it stays on 7 years or he has another way. He asked me my social. ( last four ) and told me I had to pay XXXX for my credit report. I asked. Can I just pay? He said no. I need to pay a dollar so he can continue. Then start telling me he can remove payments I paid. Then sent me a contract. I said I just wan na pay my debt off. He said he can not take the debt off, if I dont sign the credit repair contract for XXXX a month. I begged him to take my money. He Would not take my money.And did not. So I called this place. I told him let me see if a friend can help me with monthly payments and he said he will call me back Monday at XXXX. Am share collections.. Would not take my {$200.00}
Product: Debt collection

I never received the items that I am being charged for. I disputed the charges with the merchant as well as the courier and Affirm. The shoes were delivered to the wrong address and efforts to remedy this with the merchant met with negative results. Efforts to remedy this with the courier XXXX met with negative results I will not pay for something I did not receive. This information is false, fraudulent and erroneous.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the XXXX Credit Bureau regarding inaccurate information on my credit report from " XXXX  XXXX The account with XXXX  was closed and charged off on XX/XX/year>, however, the credit grantor has continued to report the charge off monthly after the original charge off date. This practice has negatively affected my credit report and credit score.
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a complaint against Equifax each time fraud is put on that belongs to someone with the same name or my family member. I am so tired of this. Now, your company has put XXXX XXXX XXXX on my credit file. My car is financed through my credit union. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Confirmation Number XXXX I am writing to dispute the following data in my credit file. I have listed all XXXX XXXX XXXX above. It is a letter meant to bring unnoticed mistakes to Equifax 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. 

I have severe problems with XXXX XXXX XXXX! These kinds of companies are probably responsible for different breaches at Equifax. My credit file was a breach was years ago without any compensation. I completed all the appropriate I am still trying to get my V. A. Loan that I have rightly earned. 

Please delete these as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? Why should my family continue to stay in a hotel since I can not obtain a loan? Why has this been going on for nearly two years? Why will Equifax not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Americans, particularly my XXXX I am begging to have XXXX XXXX XXXX removed, and let me XXXX? 

Could you all show XXXX 's kindness to Veteran who risked his life in fighting for a country I love dearly? Equifax could make this right in a matter of minutes.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/2023 a person claiming to represent Wells Fargo called to inform me money was mistakenly transferred from my bank account to a person in XXXX Florida at a XXXX  store, and my XXXX daughters. This person had information only me and the bank would have. He instructed my how to have my daughters transfer the money back to me using XXXX. They did, but the {$3300.00} money never appeared back into my account and went to the fraudster. The next day I filed a fraud report with Wells Fargo and my local Sherrif. Wells Fargo transferred money from my daughter 's accounts into mine and did not replace the money in my daughter 's accounts. We are missing {$3300.00} due to this fraud and trickery and Wells Fargo has not restored the money.
Product: Debt collection

I am currently going through divorce, I have a certain of amount of time to regain legs after this ordeal, on XX/XX/2023 I looked at my credit profile and noticed some collections accounts I knew nothing of. I disputed the collections, which to LVNV did not respond. XXXX XXXX responded as the image I will load titled XXXX XXXX, they claim they have contracted with LVNV to collect on this account. I am aware of the FDCPA and laws collection agencies must adhere to, there are multiple violations as shown in attached file XXXX XXXX No proof of claim was sent to me by LVNV instead they contracted/sold my personal information to XXXX XXXX while they still report LVNV on my credit profile, at this point I feel deceived and mislead do I owe XXXX  XXXX, LVNV, or XXXX XXXX. XXXX XXXX and LVNV have violated my rights under the FDCPA with no Proof of Claim which they have not provide by law they must deleted from my credit profile.
Product: Money transfer, virtual currency, or money service

I am very unsatisfied by the way that my wire transfer transaction has and is being dealt with Chase Bank, especially having had over 5 working days since a recall has been made to expedite the process, yet none of the customer representatives have been able to provide a single piece of information as to when the funds would be made available. 
The recall case ID # JPM XXXX. 
Transaction Number : XXXX Briefly : I initiated a domestic wire transfer on XXXX XXXX XXXX, which was finalized/processed on XX/XX/XXXX. Having the recipient of the funds informed me of non-receipt of funds by XX/XX/XXXX, he reached out to his bank- the same Chase bank, where he was informed that his secure account would not accept the wire transfer, and I had to request for the funds to be recalled- which I did on the same day ( XX/XX/XXXX ) wherein I was provided the aforementioned recall case ID. 

For the past week, I have tried calling customer services line numerous times, to get hang up in my face, transferred to a dead line and in the end no reasonable response from anyone as to the status of the transaction and expected resolution times. Additionally I have lost my time going to two different branches ( at different occasions ) where I have been provided a simple you have to wait 2 - 5 business days, even after the fact that 5 business days have elapsed. 

Up to the time of filing the complaint, no one is able to provide any information as to where the funds are and when they will be returned to my account. This leaves me at a complete loss of {$2200.00} with no expected time of receipt. As consequence of this delay in making funds available, I am daily incurring additional unplanned expenses for money that I have but the bank is holding ransom with no explanation as to next steps.
Product: Mortgage

My name is XXXX XXXX and I have several loan servicing concerns about Wells Fargo Home Mortgage. Listed below are questions I have not been able to get direct answers to from Wells Fargo Home Mortgage. 

1. What year did Wells Fargo Home Mortgage take over this loan. 
2. Is Wells Fargo Home Mortgage the Trustee for this loan if not who is? 
3.Please send me a copy of your Mortgage Service Agreement. 
4. Is Wells Fargo Home Mortgage just the loan servicer only. 
5. Who holds the note to this loan. 
6. Please list all credits on this loan and fee reversals in a typed response that you stated you have given and please recalculate my account and make the corrections. I do n't see any adjustments. 


XXXX XXXX
Product: Credit reporting

This is to the response on complaint ( Case number : XXXX ) from Equifax stating they need more information. I have provided you with the list of accounts and inquiries that were deleted from my credit report and reinstated without the 5 day window of notification. The company made an error that was not my fault. The following accounts and inquiries are listed that were removed and then put back on. 
I 've attached the copy of the credit report from Equifax. I can list the accounts and inquiries that where removed then added back on again without my knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX
Product: Bank account or service

I recently have been using PayPal to pay for XXXX rides I made while in XXXX XXXX. I realized on Monday, XXXX XXXX, that I was using the incorrect bank account. I placed a call to PayPal explaining to them my error and providing them with the correct bank account ( which they already had on file as a secondary payment source ). I was assured by the agent I spoke with that the change was made and that my incorrect bank account would be removed from their records and no longer charged. 

I incurred NSF fees with my bank due to the first few transactions before XXXX XXXX that were my error. I took care of these charges with my bank and assumed I was in the clear. Since XX/XX/XXXX, when I was told this bank account was removed from PayPals records, I have been charged 19 more times and, thus, incurred 19 more NSF fees of {$37.00} each. I have been to my bank multiple times hoping to at least minimize the damage on my end and they are unable to close my account while it is in a negative balance and I 'm unwilling to pay {$700.00} because of PayPal 's error. 

Since XXXX XXXX I have spoke with upward of XXXX people from PayPal, many with a different explanation, each assuring me the bank account would be removed and not charged any more. As of this morning, XXXX XXXX, it is still being charged. 

From the very beginning I begged and pleaded to get something in writing from PayPal 's customer service department verifying this. I was n't able to receive an email from them until Wednesday, XXXX XXXX, assuring me that there would be no more charges but I spoke to customer service MULTIPLE times before then. 

I 'm able to provide all documentation supporting my case including screenshots of my bank account showing all of the charges along with NSF fees. I am looking to recover the {$700.00} in fees I have incurred so that I can pay my bank.
Product: Mortgage

This complaint is related to complaint ID XXXX, which alleged that TIAA / XXXX XXXX overcharged interest during the period XXXX XXXX to present. By letter dated XX/XX/XXXX, included in the prior complaint, TIAA / XXXX XXXX corrected the rate for the period XXXX XXXX XXXX, but misrepresented the overage which ranged from 2.250 % to as high as 6.875 % during the relevant period and even more troubling, miscalculated payments due on the HELOC segment and failed to apply principal payments on the primary mortgage balance. As a result, after paying {$6800.00} on XX/XX/XXXX, our total loan balance INCREASED from {>= $1,000,000} to {>= $1,000,000} between statements dated XX/XX/XXXX and XX/XX/XXXX. Both statements are attached to this complaint. You will note that the statements are inconsistent in several additional respects, in that the previous balance on the XX/XX/XXXX statement in the amount of {>= $1,000,000} does not match the current balance of {>= $1,000,000} on the XX/XX/XXXX statement. You will also note that the current balance summary on the XXXX XXXX statement does not match the calculated balance on the very same statement in the amount of {>= $1,000,000}. In addition, after purporting to remedy the situation and locking the interest rate at 2.250 % on the HELOC through XX/XX/XXXX, XXXX issued two more notices of rate increase, dated XX/XX/XXXX ( the very same date of its letter locking the rate ) and again on XX/XX/XXXX. As of today 's date, XX/XX/XXXX, we have not received a statement for XX/XX/XXXX. 

It is unclear whether these errors and irregularities in the basic calculation of mortgage loan balances are due to fraud or recklessness, or utter incompetence of TIAA XXXX XXXX XXXX staff. They do not appear to have the basic skills or training to properly manage client accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$800.00} from XXXX & XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX of this year ( 2016 ) I obtained my credit reports from all XXXX credit bureaus, I discovered Midland Funding , LLC ( " MCM '' ) reporting a trade-line on my consumer credit files for an amount of {$950.00} for XXXX XXXX XXXX BANK. 

I mailed a Midland Funding , LLC a 'Demand for Validation ' letter including a copy of my credit report displaying the trade-line via USPS certified Mail Tracking ( # XXXX XXXX XXXX XXXX XXXX XXXX ( letter attached ). I received a reply from Midland Funding , LLC stating that, " Unfortunately we are unable to locate your account in our system '' ( results attached ). Midland Funding , LLC failed to acknowledge my dispute and continues to report the erroneous trade-line. 

I disputed the trade-line furnished by Midland Funding , LLC with XXXX and XXXX USPS Certified Mail ( Letter Attached ) and remains on my XXXX separate credit reports.
Product: Credit card

This is in regards to Wells Fargo XXXX CA I have had this Visa Card for many years. I fell behind but continued to pay. I started noticing Monthly fees for Purchases & Cash Advances. I have not purchased anything on this card since in over 10years & cash advances were paid back when my payroll check was deposited. I have been requesting an explanation of fees since the beginning of this year. 
There has been no response other than they are looking into it and I am free to call the dispute dept. I want a visual of what I purchased and what cash advances I have generated. My balance is XXXX 90 % is Cash Advance Interest, Purchase Interest & Late fees. I do n't use this card. They do not respond other that emailing me in my in-box telling we they are working on it and I am a valued customer. Nothing is personalized. I have advised them I am not paying until this matter has been addressed ... Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion reported 28 % credit usage and dropped ficos score from XXXX to XXXX, my credit usage is 12 %, i trans funds to my discover card at a special rate leaving XXXX balance, they added both together saying i owed XXXX when it is XXXX, this caused a denial of an account i applied for.
Product: Credit reporting or other personal consumer reports

medical bill put on my credit report when i had an arragment of payment and it was canceled from hospital now they send it to credit collection and it went on my credit report and daminging my credit
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I approached a private financial group inquiring refinancing my home loan and other debts. I specifically, upon filling out their electronic application, elected for my private information NOT to be sold or passed on to other companies. 

However, shortly thereafter began receiving an exuberant number of calls ( more than 60 per day, plus text messages ) soliciting my business for reasons of taking out loans and reconciling debts.

When I spoke to my private financial group, I was assured that they did not sell my information, however, they were very aware that the major

three credit reporting agencies do, in fact, sell my information anytime a Hard Inquiry is made on my behalf. I find this atrocious that I am taken full advantage of by the same agencies that hold my financial credit future hostage, and now they, in fact, are c
hiefly responsible for leaving me completely vulnerable to Identity Theft, based on their completely negligent business practices ... THS NEEDS TO STOP!!!

Experian Equifax TransUnion
Product: Debt collection

Communication regarding dispute was sent to ERC on several occasions with the last mail sent XX/XX/2022 for charges in the amount of {$1600.00}. Delayed or no response received from company. 

This agency is reporting an account on my credit report and have no knowledge of. I do not have a contract or agreement with this company and would like this removed from my FTC report and all credit bureaus.
Product: Debt collection

I am disputing charges in the amount of {$71.00} charged to my XXXX credit card for the following reasons : In XX/XX/XXXX I purchased three ( 3 ) XXXX  gift cards w/ my XXXX credit card. I subsequently tried to use the gift cards at a local XXXX  store in XX/XX/XXXX, but was told that due to the fact that XXXX stores were going out of business, the cards would not be accepted for use by XXXX stores. I initially sent correspondence to Comenity Bank disputing these charges on XX/XX/XXXX. I am enclosing copies of this correspondence and gift cards along with customer receipts showing each of the balances totaling {$71.00}. I paid out the valid XXXX  credit card debt I owed to Comenity Bankd and disputed the gift cards I purchased totaling {$71.00} due to the fact that I was unable to use them. I have written the XXXX credit card company, namely, Comenity Bank, on multiple occasions advising of my dispute and requesting a chargeback on my account. I have also requested that Comenity Bank refrain from accessing me w/ late fees, penalties, interest, or damaging my credit without good cause and without notifying me in writing. I received correspondence from Comenity Bank on several occasions advising me that they were investigating my dispute. The last correspondence I received from Comenity Bank is dated XX/XX/XXXX advising they are handling everything related to my XXXX credit card account and advising they do not have detailed transaction information in reference to my purchase. I provided this information to Comenity Bank on several occasions and again on XX/XX/XXXX ( most recent ). On XX/XX/XXXX I received a telephone call from a representative of Comenity Bank advising that I was overdue on my XXXX credit card payment and that if it wasn't paid it would be placed in collections which could negatively affect my credit. I informed the Comenity representative that the amount she was referencing was in dispute. The representative responded that the dispute was resolved and that I needed to pay on the account immediately. I have never received any documentation from Comenity Bank informing me that the dispute was resolved and that if I didn't pay it my credit would be damaged. Shortly after this telephone call I receive a text message from Comenity Bank advising that I needed to call them regarding my XXXX credit card. I have tried to resolve this dispute w/ Comenity Bank over the last six ( 6 ) months and have never received any explanation ( whether oral or written ) from Comenity Bank as to why I would owe money for goods I purchased, but never received. I am requesting assistance from CFPB in resolving my dispute w/ Comenity Bank .