23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX a.m. eastern time. I had called the customer service support center at XXXX and spoke to a representative named XXXX. I inquired about the status of my current Aspire credit card and asked him on why did the company decided to close my credit card account? I also told him that I had also received an e-mail from Aspire on XX/XX/2022 at XXXX regarding to the closure of my account, due to the fact that I did not use my card regularly even though my balance is absolutely at {$0.00} and I had always made monthly and annual payments for the fees they had charged me in full and early but never been late or short in payments. He told me that I was right and correct but he said what he is seeing on his computer is the one and only reason why it was closed because of non-use of the credit card regularly. I immediately requested to see if I can speak to a different department who is authorized to review and reopen my account or someone who is higher in rank that is authorized to do the same but the representative became defiant so he refused and ignored my request. He told me I have to reapply again or wait for an invitation. He wanted to end the call quick and not provide outstanding customer service like he is supposed to as I am a valued consumer. The representative is very poorly trained and clearly ignorant.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX notified 60+ plus days prior to move out. ( Balances prior to move out paid in full. 

Attempted to reach Original Creditor XXXX XXXX via phone and email and have not received a response. 

Debt Validation letter sent XXXX XXXX ( Certified ) - no response. 

Erroneous Credit Reporting Thank you XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from  OneMain Financial stating that I owe them {$3800.00}. I never sign any paperwork for a loan with OneMain Financial.
Product: Debt or credit management

XX/XX/year> I had a XXXX XXXX credit score and payments were being made on time to my creditors. With inflation and medical coverage actually becoming more expensive than my year income I needed a solution. Americor has totally destroyed my credit and I am far worse off now than before. I want them to pay off all my debt, refund my money including their monthly fee and fix this with all creditors. Certain credit cards that I depended for medical expenses have been canceled by the financial institute or credit limit reduced so much they are worthless. I can't afford health care! I have reached out to the company several times, usually on hold on phone support or chat support resulting in finally having to hang up. Difficulty getting a support person that can help and argue when I ask for upper level support that possibly could be more helpful. There is money available to pay off debt and I send requests asking about these but with no response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry on my credit file under the name TRUIST BANK, dated XX/XX/year>, originating from : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry was conducted without my authorization or any permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 1681b. As you are aware, conducting an inquiry without a valid legal purpose constitutes a direct violation of my consumer rights. 

Demand for Resolution To resolve this issue, I demand the following actions : Immediate Removal of the Unauthorized Inquiry : The inquiry must be removed from all credit reporting agencies. 
Statutory Damages : Issue me the {$1000.00} in statutory damages, as provided for under 1681n of the FCRA. 
Non-Admittance of Wrongdoing : I am willing to resolve this matter amicably without requiring your client to admit liability or wrongdoing, provided my demands are promptly met. 
Notice of Potential Litigation and Estimated Costs If this matter is not resolved within 14 days, I will be forced to pursue legal action to protect my rights. In addition to statutory and actual damages, I will also seek to recover litigation costs. Below is an itemized estimate of the financial burden TRUIST BANK may incur if litigation is pursued : Expense Item Estimated Cost Attorney Retainer Fee {$5000.00} - {$7500.00} Court Filing Fees {$400.00} - {$600.00} Discovery Costs ( documents, depositions, etc. ) {$3000.00} - {$5000.00} Expert Witness Fees ( if applicable ) {$2500.00} - {$4000.00} Travel Expenses ( for hearings ) {$500.00} - {$1000.00} Additional Attorney Hours {$300.00} - {$500.00} per hour Reputational Damage ( intangible, but significant ) Variable Total Estimated Litigation Costs : {$11000.00} - {$18000.00}, excluding potential damages awarded in court. 

Opportunity for Resolution To avoid these unnecessary costs, I encourage you to address this dispute promptly. Confirm in writing within 14 days of receipt of this letter that : The inquiry has been removed. 
The {$1000.00} statutory damages payment will be issued. 
Resolving this matter now is in your best financial and reputational interest. If you fail to act, I will have no choice but to seek full legal remedies, including actual damages, which will only increase your liability. 

This letter serves as formal notice under the FCRA. I trust you will recognize the importance of addressing this issue immediately.
Product: Mortgage

I requested mortgage assistance from Wells Fargo and was denied for home retention options. I was told my options to avoid foreclosure were deed in lieu in foreclosure or to list my home for short sale. Opting to short sale my home was the most difficult decision to make but we made it. With a broken heart we did list the home and sent everything Wells Fargo needed to start the short sale process. Calls to confirm receipt of the documents we sent were made and Wells Fargo confirmed the documents were received and were being reviewed. Now that I call to check status on the short sale process I am being told the sale date is active and will be taking place as reviewing my request to short sale was received too late. I asked why was I not informed of this on XXXX XXXX, 2016 when I called to check status on the request? Instead I was told the documents were received and were being reviewed. Never the less the representative was very rude and told me they are moving forward with the sale date. I told the representative what options are they providing me with to avoid foreclosure and the representative very mockingly answered " NONE ''. I told the representative I am in California, and here it is a requirement that ALL lenders provide an alternative to avoid foreclosure. The representative again told me I have no options and asked if she had addressed all my concerns. I asked to speak with a supervisor and of course the call was terminated. I called back to speak with a Supervisor and would get transferred to the Home Preservation and of course as usual I get the voicemail. This entire matter has been difficult God is my witness we tried and tried to make ends meet and have accepted the reality, which is we can not afford our home which is why we decided to to proceed with the short sale process. I am very very very sadden with the treatment and inaccurate information and the acts of bad faith Wells Fargo. I have asked for a postponement as there is a buyer and I will be penalized and will be required to pay the buyer for the cancellation of the process, which is money I do NOT have.
Product: Mortgage

Hello, I reported for several months to HomeLoanServ their system was rejecting my payments from different banks. They did not resolve and after XXXX rejected payments, my online payment abilities shut down. With the regularly rejected payments, I lost track, and it turns I was missing a payment. As soon as I learned this, I sought to make it good, calling them to pay. I could not pay. They had shut it down due to payments being rejected. 

They just reported my mortgage payment as late today when I would have paid it if it were not for system errors and them shutting down my payment ability. 

I called them twice yesterday and confirmed payment would be turned on today and also asked that my calling be recorded so this would not go as a late payment.
Product: Credit reporting or other personal consumer reports

I want to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. The following company, along with the credit reporting agencies, is knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non-repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 18 USC 894 ( a ) ( 2 ), 15 USC 1681a, 18 USC 1028A, The Gramm-Leach-Bliley Act, and XXXX. This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a executive member of this company put this information on a signed and notarized affidavit under penalty of perjury. Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. Per 15 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Account was paid by my grandfather. When he died, his brother took over the account as his beneficiary. He stopped the payments and closed the account without my knowledge. So why am Im receiving none payment on my credit report?
Product: Debt collection

I'm disputing the XXXX XXXX account ( XXXX ) on my credit report because Experian is the only agency still listing it, even after multiple disputes. I've provided evidence and police reports, but Experian hasn't removed the fraudulent account, ignoring my requests.
Product: Debt collection

I received a call from credence consumer credit end of XX/XX/2020. While speaking to representative she mentioned amount owed and if needed to wait until I got my check book to pay. Didnt ask reasons for call. My response was I am disputing this charge. Representative took my information and assured me it will be looked into. IT WAS PUT ON MY CREDIT AS COLLECTION THAT DAY!!! No more correspondence at all other than my dispute it with credit bureaus. I can pay but do not owe this. I am being charged for services I did not use.
Product: Debt collection

After Gatestone rep advised me to take action that would be harmful to my account without discussing the ramifications of that action, she called to inform me that my account was being removed from their program. I told her that at that point, all future communications needed to be in writing. Today I received another phonecall from a different gatestone rep. She advised that there were no notes to indicate written contact only and that she would update their system.
Product: Credit reporting or other personal consumer reports

Significant Credit Score Discrepancy Reported by TransUnion. 
I am writing to file a formal complaint regarding an unresolved significant dip in my credit score as reported by TransUnion on XX/XX/year>. Despite maintaining excellent credit habits, my TransUnion credit score dropped by over XXXX points and has not been restored even after seven months. 

Details of the Issue : On XX/XX/year>, my TransUnion credit score dropped significantly from XXXX to XXXX. 
I have had no missed payments, no delinquent accounts, no significant changes in credit utilization ( which is at 0-1 % ), and no outstanding balances. 
My credit score with other bureaus remains stable and reflects my excellent credit habits. 
Despite multiple attempts to resolve this directly with TransUnion, I have been subjected to the " runaround '' and have not received a satisfactory explanation or resolution. 
This unexplained credit score drop is adversely impacting my financial reputation and may affect future financial opportunities. XXXX lack of response and resolution over a seven-month period is unacceptable. 

Supporting Documents : I have attached screenshots of my credit reports and scores from various platforms to demonstrate the discrepancy and consistency in my credit behavior.
Product: Debt collection

AN AMBULANCE WAS CALLED FOR AN EMERGENCY AT MY HOME. I NEVER AUTHORIZED THE USE OF AN AMBULANCE, THEREFORE GET STUCK WITH THE BILL!!!
Product: Credit reporting, credit repair services, 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. 

XXXX. Account # XXXX ; Balance {$1300.00} Open Date : XX/XX/XXXX. 

XXXX XXXX Account # XXXX ; Balance : {$95000.00} ; Open Date XX/XX/XXXX XXXX  Account # XXXX ; Balance : {$48000.00} Open Date XX/XX/XXXXXXXX XXXX Account # XXXX Balance {$2700.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Account # XXXX Balance {$1000.00} Open Date XX/XX/XXXXXXXX XXXX. Account # XXXX Balance : {$8000.00} Open Date XX/XX/XXXX XXXX XXXX. Account # XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX. Account # XXXX Balance : {$140.00} Open Date XX/XX/XXXX XXXX Account # XXXX Balance : {$18000.00} Open Date XX/XX/XXXX XXXX XXXX. Account # XXXX Balance : {$410.00} Open Date XX/XX/XXXX 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 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$6300.00}, {$4900.00}, {$7800.00}, {$0.00}, {$1400.00}, {$0.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- PERSONAL ACCOUNT 7. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below because XXXX Account XXXX date last active not reporting correctly shows date of XX/XX/XXXX on Transunion also shows last report date of XX/XX/XXXX date opened is XX/XX/XXXX experian date of being opened is XXXX XXXX last date of activity is XX/XX/XXXX. XXXX shows last date of activity XX/XX/XXXX and last payment XX/XX/XXXX transnunion shows no payment history and XXXX and XXXX dates are not correct for payment history and collection status I am asking you to reinvestigate this account XXXX XXXX Account I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC XXXX They also violated 15 USC XXXX ( 5 ) Can you look into this matter.
Product: Prepaid card

I purchased XXXX vanilla gift cards from XXXX XXXX, only XXXX of them worked. I was told they had a bad magnetic strip when I called customer service. They sent me XXXX new cards which I requested to be expedited since it was there fault they were faulty they said they would but did not. When I received the new cards they still didnt work. I called customer services again to be told that they are locked and my identity needs to be verified, I emailed the documentation they requested in immediately! A couple days went by and they said they havent received it, this has happened 4 times and every time they say they didnt get it or they ask for more documents that werent requested initially. Now they are saying I have to wait 30 days from the last email I sent for them to verify my identity off of bad cards that they sold me! This has caused me to miss paying my rent and being filed eviction on. Ive requested to speak to a supervisor every time I call which has been about 6 times and nothing has been done to resolve the issue.
Product: Debt collection

I'm constantly receiving multiple calls a day from Portfolio Recovery concerning an allege debt. I've informed Portfolio Recovery to use my mailing address for all correspondences, yet they ignored my request.
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I am writing this letter as a formal complaint against Experian, XXXX and XXXX. I have made several attempts to have my personal information on file updated and the removal of all inaccurate information. As they are not deliverable to me by U.S postal office, and they are not reportable as per the F.C.R.A section 623 ( 15 U.S.C 1681-2 ) responsibilities of furnishers of information. These agencies continue to report my personal information inaccurately, which is damaging to my credit.
Product: Debt collection

We received a call from MCM ( XXXX ) at XXXX on XX/XX/2020. The operator asked for a " XXXX XXXX ''. The operator was informed that this matter is a personal matter for this person and they will need to be reached on a personal line and we ask, again, to stop calling This same individual called the day prior XX/XX/2020 and was told the same thing. The operator even notated that she called the day prior and was told the same thing
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This complaint is against Wells Fargo. In a recent response letter from Wells Fargo in response to my CFPB complaint, the following was stated on paper and thus on record : If I wished to close my account, they gave me their Customer Service # to call in order to close the account. This was needed because they have refused to give me access to my account, as the Identity thieves have controlled my accounts since XXXX XXXX, and Wells Fargo has consistently refused to help me, yet give the ID thieves total access to my accounts. They told me that I needed a reference # to close the account. I've been given no reference #. They refuse to accept their letter as verification. The reason this account needs to be closed, is due to the fact that they allow the identity thieves to have access to my accounts, and thus drain the monies. It is impossible to work with Wells Fargo. They tend to treat customers with pure hate. Don't take my word for it, just review the many, many, complaints, available for the world to see!!!
Product: Credit card or prepaid card

I purchased it on XXXX using my XXXX card. Within minutes I canceled that purchase meaning no item would be delivered or charged on my account. Unfortunately, a charge was placed on my XXXX card. That card is linked to my debit account. As stated on the XXXX site under the refund it shows that the refund went to my XXXX card and shows the last 4 numbers. The company, XXXX is stating I owe them {$67.00} for purchase but I already showed them transactions of the refund being sent to them and the purchase is canceled. I have no connection and am locked from all services and functions from my XXXX account but continue to be charged a monthly membership when I can use any services. They made a report on my credit for money owed. Ive spoken to 3 separate reps they all keep telling me I owe without any phone conversation and explaining how. I used their credit card and XXXX shows the refund went to their credit card but theyre insisting I pay them from my bank account linked. They are a finance app in the apple app store.
Product: Credit reporting

I was denied {$85000.00} in credit because EXPERIAN CREDIT REPORTING AGENCY is constantly holding on to my old phone numbers of the past 15years..and even though I have tried many, many times to solve this matter .The agency just Laughs.Told me there is nothing I can do.!!!! ..That they 'll remove it when they get good and ready ... This is rude!!!! ..Also : they have a lot of inquires that I did not approve of..on my FILE!!!
Product: Student loan

I 'm currently in bankruptcy and do n't understand why my balance still show XXXX owed.. I 've been paying since XX/XX/XXXX.. I do n't know if its because of how much I 'm paying or is it the interest.. I graduated in XX/XX/XXXX and the school that I graduated from is no longer here.. I do n't know if the charges are accurate..