23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous account entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records & other items that are being reported as an error. I want to know this information because these items keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Here are a list of items that have not being investigated correctly and I would like to be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CXXXX XXXX, XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

The information in my credit report of an account from XXXX XXXX XXXX is not mine or fraudulently open, all the information is incorrect and I dispute this directly whit Transunion and they still reportin this in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the companies on XXXX to get inquires removed.
Product: Credit card or prepaid card

XXXX ILLEGALLY CHARGED MY CREDIT CARD FOR AUTOMATIC XXXX XXXX  RENEWAL DESPITE THE FACT THAT I TOLD THEM REPEATEDLY NOT TO, THEY LOCKED ME OUT OF MY XXXX XXXX IN XXXX AND CUSTOMER SERVICE SUCKS!!!! THE ILLEGAL CHARGE NEEDS TO BE REMOVED IMMEDIATELY!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently reviewing my credit report and came across this inquiry that was unrecognized. I reached out to the company itself with no success and when I took it to the credit bureau I did not get a response. I have no recollection of this company or why they would need to pull my credit as I have a very limited credit profile and am normally on top of things like this. 

XXXX XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX Transunion first letter was sent and received. 
XXXX XXXX number XXXX XXXX XXXX XXXX XXXX They validated this inquiry and I sent a letter asking for proof of validation on XX/XX/XXXX and have not at all heard anything back. 

At this point, my rights as a consumer to fair and accurate credit reporting is being violated.
Product: Credit reporting or other personal consumer reports

A hard inquiry that I do not recognize. It was made from Sallie Mae Bank which is a bank I dont recognize. The inquiry was made on XXXX XXXX. Also I received an email saying my DOB and social security number was found on the dark web. I would like to dispute that inquiry which was a hard inquiry and the fact that my information was found on the dark web.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 u.s code section 1681n I have experienced willful noncompliance with these consumer reporting agencies. They have failed to respond within 30 days mail, To start an investigation on my dispute for inaccurate and false information on my credit report which I sent on XXXX in XXXX mail it is now XXXX XXXX. I am seeking to sue for damages of {$1000.00} for each violation. This has caused me an extreme amount of distress and defamation of my character. I also demand the items I have disputed be deleted immediately.
Product: Debt collection

Ad Astra Recovery Services Inc. has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$4100.00} which is incorrect, I do not owe them anything. I explained to them that I was currently in a lawsuit with XXXX XXXX XXXX for them violating my rights and withdrawing funds out of my Checking account without my authorization. 
Ad Astra Recovery Services Inc. told me that as long as I pay them {$2400.00}, they would immediately remove the inquiry by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$2400.00} on the same day. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owed still owe them money and this is a collection to collect a debt.

Ad Astra Recovery Services Inc. lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. I spoke with four representatives at Ad Astra Recovery Services Inc. I fist spoke with XXXX  ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and a supervisor XXXX ( XXXX ), XXXX even stated that she would call the credit bureaus and updated the immediately and giving me an AUD # XXXX. This was all a lie just to take my money in which the took from my bank account on XX/XX/XXXX. 
Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX AD ASTRA XXXX KS XXXX CARD XXXX {$2400.00} I would like Ad Astra Recovery Services Inc. 2 immediately do the right thing by contacting each of the credit bureaus and telling them to report the accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to apply for credit with XXXXXXXX  in my name on 5/15 that I did not authorize. I called XXXXXXXX  and spoke with XXXX who sent my info to the fraud department. They requested that I send them an id theft affidavit. I sent it to them via certified mail. I've heard nothing back and the inquiry is still on my credit report.
Product: Mortgage

My Complaint is in reference to elderly abuse and taking advantage of our situation. 
Ref : Wells Fargo Home Equity Loan My Father XXXX XXXX, passed away in XXXX  without having a will or any assets. He lived the last 10 years of his life with XXXX which got worse each year. My brother had made payments on this loan but had a major medical issue and with his additional medical bills he no longer could make payments. 

I have been requested by my family to work with Wells Fargo to get this resolved. Having worked with Wells Fargo, I have 3 major complaint items : 1 ) My father did not communicate well with the XXXX, and no one know about this loan. We wonder if this is a loan created by a Wells Fargo employee without my fathers approval or knowledge. 
2 ) If he did apply for this loan why wasnt multiple red flags set for Wells Fargo. Why would a 30-year mortgage be giving to a XXXX plus year old man? He would have to live into his XXXX to repay this loan. Why was a co-signer not requested as a condition of the approval process. Since most people do not live into their XXXX this was an unreasonable expectation. 
3 ) My siblings and I negotiated in good faith with Wells Fargo but Wells Fargo did not. We offered a XXXX settlement Wells Fargo counter offer the full balance of the loan. We offered a XXXX settlement Wells Fargo counter offer the balance in full. No movement at all from Wells Fargo, this is not good faith negotiation. 
I explained that my brother who is a veteran on XXXX lives in the house and taking it away from him is totally unacceptable. Wells Fargo clearly communicated that they only care about the numbers and since the house appraised for $ XXXX they want us to sell and give them the full balance. This is not possible and not a fair way to treat a family. Wells Fargo said the only thing that we can do is a loan modification to lower the payments on a loan that was acquired using very bad business practices. 

Please help me to resolve this issue. Thanks so much!!
Product: Money transfer, virtual currency, or money service

Re : Previous complaint XXXX This bank BB & T still has not resolved this complaint although you let them close the matter without a proper explanation. They still have not transfered my ira to the other bank. This deliberate delay has cost me over {$200.00} in lost interest plus the difference in the rate at the new bank which has been lowered during this fiasco. Please help in this matter. BBT already has over 5000 matches in your data base.
Product: Bank account or service

Bank of America has been manipulating my checks into my bank account. 
Causing overdaraft fees. This is highly illegal as well as unethical!
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures 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 have caused significant inconvenience and 14 financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I am a victim of identity theft and someone has opened a fraudulent Chime account using my personal information.I received the card from chime with the account information on XX/XX/23 in the mail to my home address. I immediately called Chime and attempted to mark as fraud and requested that it be closed but I was refused by the Chime person on the phone since I could not verify the fraudulent email address in which the account was opened under. I was told that the call recording would be submitted to their fraud department and I would receive an email ( to an email address I provided ) within 24 hours confirming that the account was closed. Today, XX/XX/23, I have received no correspondence from Chime regarding the closing of this account. 

I called Chime again today, on XX/XX/23. I informed them that I have not received any email from them and would like to mark the account as fraud and request that it is closed out. Chime confirmed my ( actual ) email address and re-sent another email that I never received. 

Chime is very difficult to work with and I feel like as a victim of identity theft I am having to jump through hoops to get help to mark the account as fraud and close out the account.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquiries that appear on my equifax and XX/XX/XXXX report were not legally authorized by myself and i would like for them to be removed XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/2019 XX/XX/XXXX XX/XX/2019
Product: Debt collection

I disuputed this account as soon as It came to my attention after accessing my XXXX XXXX account. and i am still being harassed
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian, XX/XX/XXXX and XXXX credit reports are showing that I have late payments on my student loans and this is inaccurate reporting. I attached letters that show that I contacted XXXX, who verified that I was in school during these periods and could not have been late on any payments, as they were not due. My in-school deferment per the letter attached was from XXXX. For some reason, despite my efforts and the proof that I have sent, these false late payments are still showing. 
These same bureaus are reporting that I owe XXXX XX/XX/XXXXand XXXX XXXX XXXX as collections accounts but this is also false. I attempted to get this information verified ( see attached letter from all the way back on XXXX XXXX ) and I got no responses or validation of this debt at all. At this point, my rights are being violated. 
Section 611 ( a ) says a failure to investigate these things within 30 days gives a reason to immediately remove the items from my credit reports and it has been over a year. I demand that all the above listed items be removed from my reports or I will be forced to file litigation. I need these problems fixed promptly because this is costing me thousands of dollars and I will not wait another year for results.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding is in violation of the FCRA ( fair credit reporting act ), due to their failure to accurately report correct dates regarding time barred debts. This includes them re-aging accounts based on the date they purchased the account and not reflecting the last date of last activity. This has caused undo harm, as it makes these accounts appear more recent than they truly are. Due to their lack of abiding by FCRA, they in turn are causing negative reporting on my credit report. These should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying. for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to XXXX 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical. Handle this swiftly and appropriately so I can move forward with my Financial future which this has put a hold on. Thanks for the results I desire in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX, XXXX, & Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these UNAUTHORIZED inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX CARD, XX/XX/XXXX XXXX XXXXS XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX BANK XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX CARD, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

We received our 1098 end of year tax form in XXXX XXXX We filed our taxes as normal, received our refund from federal and state a few weeks later. On XXXX XXXX XXXX, we received an email from Shellpoint mtg/Newrez stating that they made a mistake on the 1098 form and have added a corrected form to our account. This is way past the XX/XX/XXXX time frame for companies to normally get tax documents to customers. 

This is not our first complaint with this mortgage servicer. Since our mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the company was rebranded at the same time to Shellpoint/Newrez confusing the process which looked like a scam until I called the previous mortgage company to confirm the servicer had changed to shellpoint. 


The first few statements with them were pages long in transactions and should have only be 1-3 lines of information. They asked for patience during the transition period. 

In XXXX, we received 2 letters in the mail from Shellpoint days apart stating that we did not have hazard insurance on the property and If Shellpoint chose the insurance it would be at a higher cost. We were in the middle of a year long term and paid our insurance through escrow. I called the company and uploaded proof of insurance on our home. The company said to disregard the letter it was an accident. I said why would they pay to send not one but two letters incorrectly. We still have the letters. 

In XXXX, our mortgage was autodrafted twice from our checking and bounced because we did not have the funds in our checking account. They " put the money back after realizing '', and charged us a NSF fee. Which we called to have reversed since it was not our doing. 

Our home 's taxes were not paid on time despite paying escrow the whole time we have been in the house. We received a letter from our County Tax dept that the taxes have not been paid to our surprise. It took several phone calls to get our taxes paid through the mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Mortgage

I have a Reverse Mortgage with : Champion Mortgage out of XXXX Texas even thou I live in XXXX Colorado. Their address is XXXX XXXX XXXX XXXX and they are at XXXX TX XXXX. Their customer service # is XXXX My account # is : XXXX. They have missed the distribution of payment today ( XXXX XXXX 2017 ) of {$1200.00} and after I called they said they had a computer glitch and that I would not receive distribution till XX/XX/XXXX. They also said I would get an additional interest payment because it was late. I have had this happen before with the other mortgage company and it was a 10 % fine and not an interest payment. Which is it?? My address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and my home phone is XXXX. My email is XXXXXXXXXXXX. Thanks In Advance for your help XXXX XXXX XXXX
Product: Debt collection

Debt was not owed, however company continued to call and harass me. They called family members and places of prior employment. This occurred over a 2 year period for an amount they state is XXXX USD. This company has continued to report the debt as a major derogatory account fraudulently to XXXX. 
This is effectively extortion at this point. The company is United Revenue Corp .