23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

While attempting is refinance my home mortgage in XXXX and XXXX XXXX, I discovered a Derogatory Collection Filed on my credit report that did not belong to me. Creditor listed as XXXX XXXX XXXX in the account number XXXX and original creditor being XXXX. Amount of {$390.00} had been sent to collections in XXXX XXXX. Upon my personal investigation with phone calls to XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX. I was told that the name on this account was XXXX XXXX. The Social Security number they had on file matched mine. I am not that person nor have I ever used the name XXXX XXXX as an alias or any other name for that mater. Furthermore I have never lived in XXXX nor have I ever been to the state. My efforts through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX the reporting agency XXXX XXXX, where the error had been discovered, to try and correct this error were not satisfactory. I then contacted my US Congressional Rep, XXXX XXXX, and her staff helped me by filing a complaint on my behalf with CFPB. That complaint number was XXXX. After CFPB 's investigation a satisfactory resolution was achieved with XXXX XXXX deleting the derogatory information of the {$390.00} collection from my credit report in XXXX of this year XXXX. However I have now discovered that XXXX of the other major credit reporting agencies, XXXX/FICO and Experian/FICO have not deleted the derogatory collections information from my credit reports regarding the XXXX XXXX XXXX {$390.00} error. The other XXXX agencies also have the name XXXX XXXX with my Soc Sec number listed under Source of Information. Another error. I was under the impression that once XXXX XXXX had deleted the incorrect information from my credit report and XXXX XXXX XXXX had corrected their error that XXXX and Experian would update their records and delete the information also. But, after calls to CFPB and XXXX XXXX, I was informed that the Credit Reporting Agencies do not communicate this information with each other and each agency has it 's own methods of reporting information on consumers. I would like to have Experian and XXXX delete the collections information and remove the name of XXXX XXXX from my credit reports. Also XXXX and Experian have an address listed for me in XXXX, IL under the Source of Information that I have never lived at. I have lived in XXXX, IL since XXXX and no other city or state.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2018 I bought a diamond ring for My wife for our XXXX wedding anniversery at Diamond international that they said was a XXXX for {$18000.00} when we got back Home to XXXX nh we had it appraised at a local jewler that said it was worth {$9500.00} I spoke to DI who said I had to bring it to one of there appraiser and gave me the name of XXXX XXXX at XXXX XXXX XXXX. XXXX told me the ring was a XXXX to XXXX and had XXXX chips that DI never mentioned and said yhey were probably done in the mounting of the stone. When I told this to di they said they would give me 25 % off a new mount but I have to spend double what I spent or I could get a {$45000.00} DI gift card I told this was not an option since they lied to me about my first purchase with them and told them I wanted to return the ring since it was not a XXXX that the certificate they gave me said and had two chips they never disclosed. I filed a dispute and they continue to give me bad credit rating which should not be allowed since its in dispute.
Product: Debt collection

Received a letter from the Debt Collector, Midland Credit Management , Inc. stating I needed to contact them to work out arrangements before suing me by XXXX/XXXX/2016. There letter states that they would work with me on payments that were flexible and affordable for me. I called them. The guy on the phone was rude and refused any payments I offered or any plans I offered to pay which I am unemployed and unable to work. I was told if I did not pay what they were wanting that they will sue me. They threatened me and refused to work with me even though their letter stated otherwise and I was offering to pay {$20.00} a month on {$1000.00}, which is all I could afford being unemployed. They did n't offer any assistance or anything and said they will pursue with contacting a lawyer and suing me even though I called before the date they asked and tried to work out something affordable/flexible for me. They REFUSED anything I offered.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Checking or savings account

A fraud wire equaling up to XXXX XXXX was put in my back account. My account is now shut down because of this company o have the info of who it was this person has accounts with XXXX BOA XXXX XXXX  and other companies hes scammed including buisness cards he has with these companies. Using fake documents. I was asked to mail check wires and put cash on various accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are fraudulent inquiries on my credit report that needs to be deleted, ive sent transunion a dispute letter along with my ftc report on XX/XX/XXXX to have these inquires deleted they responded and said that it came from a third party. i did hire anyone or use anyone to send or make letters on my behalf. that being said i want these fraudulent inquires deleted now. 
XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX. XXXX XXXX XXXX Bank ) XX/XX/2022 XXXXXXXX XXXX XXXX Bank ) XX/XX/2022 XXXX. XXXX XXXXXXXX XXXX ( Bank ) XX/XX/2022 XXXX. XXXX XXXX XXXX Bank ) XX/XX/2022 XXXX XXXX XXXX Bank XXXX XX/XX/2022 2022
Product: Mortgage

I was approved for a loan modification on  XX/XX/XXXX   ( See letter attached ).  I completed the requested trial successfully  ( S  ee letter  dated  XX/XX/XXXX  ). I was issued final loan modification documents some time in    XXXX   XXXX   . I signed and returned those documents to Bank of America within the time allowed  ( Pa rtial copy attached as I have lost the rest of the agreement ). I then made my first regular modified payment on   XXXX   and never missed a payment until Bank of America stopped accepting my payments some time around   XXXX   XXXX  . I hired an attorney during this process to help me with the paperwork. That law firm,   XXXX    XXXX   XXXX  , told me everything was done and my loan modification was completed in   XXXX   XXXX  . Around   XXXX   XXXX   Bank of America stopped accepting my payments without notice. I returned to my attorney 's office,   XXXX   XXXX   XXXX  , and asked them to find out why my loan was having a problem. The attorney called the bank and said it was fixed and I again could make payments. I made  two more payme nts and then Bank of America stopped accepting my payments again. I returned to   XXXX   XXXX   XXXX   and I was told by the attorney that it was my fault and that I did n't fill out the paperwork correctly. The only way he would help me is if I paid him again. I had no choice and I have been paying   XXXX    XXXX   XXXX   {$500.00} per month to fix my loan. I now received a N otice of Sale  with a sale date for  XX/XX/XXXX . I called   XXXX   XXXX   XXXX   to inquire as to why I would have a sale date if they were working on my loan and the only thing I was told was that I still owed them {$500.00} for the month of   XXXX   XXXX   and if I did n't pay it they would sue me and that they would not help me unless I paid the {$500.00} immediately. Otherwise my house would foreclose. I never made any errors I was made aware of by Bank of America in returning my loan modification agreement. I never missed any payments until Bank of America stopped accepting my payments. I have never received anything from Bank of America explaining why they stopped accepting payments from me or advising me that my loan modification was either cancelled, not honored or whatever. I 've been completely in the dark and to this day I do not know why my loan modification was not honored.
Product: Debt collection

I have been trying to work with bank of america to help me with this account they have sent into collections over 10 times with different companies trying to collect an amount that I DO NOT OWE them as a result of giving that debt to a different company without my consent to the point of being harassed via communications and phone calls I have reached to bank of america multiple times and they do not want to work this out as they no longer have access to the debt that i am being harassed. 

I have tried to contact them via letter to help and remove if offered payment and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I WENT INTO THE XXXXXXXX XXXX  OFFICE ON XXXX XXXX, AND XXXX XXXX, XXXX XXXX CALIFORNIA XXXX, TO OBTAIN A {$2500.00} DOLLAR SECURED CREDIT CARD, WHICH I HAVE BEEN INFORMED, DOES NOT REQUIRE A HARD INQUIRY, DUE TO THE FACT THAT I WOULD HAVE PAID {$2500.00} DOLLARS OF MY OWN MONEY PRIOR TO RECEIVING THE XXXX XXXX SECURED CREDIT CARD, WHICH AT THAT TIME. MY PERSONAL CREDIT SCORE/FICO SCORE WAS A XXXX, EXCELLENT, AND VERY GOOD, THEREFORE I PERSONALLY INFORMED THE MAN AT THE XXXX XXXX, THAT I DO NOT WANT A HARD INQUIRY JUST TO OBTAIN A SECURED CREDIT CARD, AND I WAS GIVEN A LETTER THROUGH THE U.S. POSTAL SERVICE, THAT STATES, WE'RE UNABLE TO APPROVE YOUR APPLICATION AT THIS TIME, DATED XX/XX/2020, WHICH WAS CLOSE TO THE DATE I ENTERED THE XXXXXXXX XXXX OFFICE LOCATED AT THE SOUTH-EAST CORNER OF XXXX XXXX AND XXXX XXXX, XXXX XXXX CALIFORNIA XXXX, THE MAN I SPOKE TO WHEN I WANTED TO OBTAIN A SECURED MASTER CARD, WHICH IBWOULD HAVE PAID {$2500.00} DOLLARS IN ADVANCE FOR THE CARD, QHICH I AM AWARE, DOES NOT REQUIRE A HARD INQUIRY, AND WHICH I WAS INFORMED BY THE BANK EMPLOYEE WHOM SITA AT A DESK IN THE REAR OF THE BANK, JUST TO THE RIGHT SIDE OF THE REAR EXIT DOOR. THE LETTER I RECEIVED IN THE MAIL FURTHER STATES " ( HI XXXX. THANK YOU FOR YOUR INTEREST IN THE XXXX MASTERCARD ACCOUNT. WE'RE UNABLE TO APPROVE YOUR APPLICATION BECAUSE WE COULDN'T VERIFY SOME OF THE INFORMATION ON YOUR APPLICATION. " YOUR XXXX TEAM ''. AND I CAN ONLY ASSUME OR ASSERT THAT THE GENTLEMAN AT THE BANK ON THE RIGHT SIDE OF THE REAR EXIT DOOR AT THE DESK, FRAUDULENTLY DID A HARD INQUIRY FOR FURNITURE, AS I CLEARLY READ ON MY CREDIT REPORT, AND I CAN READ AND WRITE XXXX WELL IN PLAIN ENGLISH, AS YOU CAN CLEARLY SEE FROM THIS VERY LETTER. I AM ALSO VERY FAMILIAR WITH THE MANY FORMS AND ACTS OF RACISM, AND I DO NOT OUT NOTHING PAST ANYONE ON THIS PLANET EARTH, I OBSERVE ALL FORMS OF RACISM EVEN BLACK ON BLACK RACISM BECAUSE I CARE ABOUT EVEN THOSE WHOM MAY NOT CARE ABOUT ME AS WELL. BECAUSE OF MY INTELLIGENCE, I WILL CONTINUE TO PERSONALLY AND PROFESSIONALLY FIND THE SOURCE OF WHY I HAVE ALL THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT WHICH I AM DISPUTING ALL OF THE ILLEGAL INQUIRIES ON MY CREDIT/FICO SCORE.
Product: Checking or savings account

On XX/XX/XXXX, I received an advertisement email stating that opening a checking account at Wells Fargo Bank would come with {$350.00} bonus. 

The conditions mentioned by Wells Fargo Bank to receive {$350.00} bonus were as follows : 1. Open a new Everyday Checking account from this email by XX/XX/XXXX with a minimum opening deposit of {$25.00}. 
2. Receive a total of {$1000.00} or more in qualifying electronic deposits to the new checking account within 90 calendar days from account opening. 

On XX/XX/XXXX, I visited a Wells Fargo branch ( XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ), opened a checking account under the terms stated in the advertisement, and deposited {$1000.00}. 

By XX/XX/XXXX, well over 90 days had passed, but the {$350.00} bonus had not been deposited. When I visited the branch to inquire, I was told to wait. 

As of today, XX/XX/XXXX, the bonus has still not been deposited, and I believe that Wells Fargo Bank engaged in false advertising.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, TransUnion, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Affidavit to report one fraudulent account on my Experian, TransUnion, and Equifax credit reports due to identity theft. This fraudulent loan account was opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. As a result, multiple fraudulent hard inquiries and collections have appeared on my credit reports. I demand the removal of this account and all related collection activity under my rights in the FCRA and FDCPA. Additionally, I request the deletion of fraudulent inquiries, including 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 XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX, XX/XX/XXXX ), XXXX  ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). Please take immediate action to correct these inaccuracies within 4 days of receipt or provide proof that the FTC contacted to verify this information. 

All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Vehicle loan or lease

On the XX/XX/year> me and my wife were sold a new car in which the contract was signed and we left with the vehicle. On or about XX/XX/year> XXXX of Clay Cooley XXXXXXXX XXXX XXXXXXXX called and said we have to return the vehicle because the deal did not go through with XXXX XXXXXXXX and that they'd need an additional {$7000.00} on top of the {$4000.00} we'd already put down in order for the deal to get done. I told him that would not happen, and that we would not be returning anything because we already had a signed contract. he stated he'd lose too much money if he did the deal with XXXX XXXX and I told him to drop the Gap and he stated that if we did not get the Gap he would not sell us the vehicle.I also told him that we Initially offered {$1500.00} as a down payment and that they said they presented that to XXXX XXXXXXXX and that XXXX XXXX said that they needed either XXXX or XXXX in order to get the deal done and that if I meet those terms his employee said they'd throw in the Gap Insurance for free. I told them I'd do XXXX as my max. He left and when he returned he congratulated us and said the deal was done and as soon as we get insurance we were good to go. we paid the down payment of {$4000.00} and got insurance, my wife signed the documents and we left with the vehicle. XXXX asked us a day or XXXX later to come back to XXXX because he'd gotten Finance on the same term and at the same rate. We returned and electronically signed some documents. We just learned that Pages were missing from the Original Contract and that Clay Cooley acting as an Agent for XXXX XXXX XXXX FORGED me and my wife SIGNATURE on the document agreeing to Purchase GAP. I presented this to XXXX XXXX XXXX XXXX and they said it had to have happened at the dealership. I told them that the dealership was representing XXXX. XXXX told me to file a police report and that we'd go from their. I went to the dealership and the XXXX XXXX told me that if they'd wanted to they could've just kept my down payment and took the car. I even showed the finance XXXX the forged Documents and he said that maybe we signed them later and I pointed out that they were Time and Date stamped by the Computer so that is impossible for us to had signed them later. Someone forged our Signature.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Account Number XXXX : { XXXX Account Number XXXX : XXXX. 

Dear XXXX XXXX XXXX XXXX, I am writing to request validation of the debt referenced above, which I understand you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt you claim I owe. I request that you provide the following information. 

XXXX. The name of the original creditor. 
XXXX. The amount of the debt. 
XXXX. A detailed explanation of how the debt was calculated. 
XXXX. Any supporting documentation proving that I owe this debt. 
XXXX. Proof that you are legally authorized to collect this debt in my state. 

Please consider this letter a formal dispute of the debt until validation is provided. While awaiting this information, I request that you cease all collection and activity on this account, including reporting this debt to credit bureaus.Please delete from bureaus. 

Thank you for your cooperation in this matter. I look forward to receiving the requested documentation. 

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

An account was open with AMEX that was closed due to non payment. It ended up being sent to collections, where it was paid in full. AMEX found some sort of error in the amount collected which was under {$1.00}, and reported that balance as a new debt on my credit report. I disputed this charge on the credit report, at which point the wrote it off, bit never correct reporting to agencies, still showing the balance as paid off as of the date they fixed their error, not as of the date the balance had been paid in full. I have no other way to continue to review this with AMEX, I'm just referred back to the credit dispute process, which is refusing to process another dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXXXXXX XXXX inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Repeated threatening phone calls in XX/XX/2019. Said legal action had already been taken. Made several installments to pay the balance in full. Never received statement of payments emailed as promised. Payments didn't show up in my account under their name. Was told after first payment it was a sister company that processes the funds. Don't know this companies name anymore. No contact about the collection has been made to me prior to XX/XX/2019or after I paid in full. Also told them I was just getting off of XXXX and going back to work and I did want to fulfill my commitment after the first call but harassment continued until I paid the balance in full.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX  Balance : {$52000.00} XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$12000.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX  XXXX XXXX ( Original creditor : XXXX  XXXX ) XXXX Balance : {$7100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$26000.00}