23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX I recieved a Cash APP Visa card in the mail with my name on it, that I never applied for. I call Cash APP Support on XXXX, and XXXX stated no account existed in my Name. They sent me an email with link noting case # XXXX & request photos of the card, which I did not submit since they should know what they sent me already. I asked to speak to a XXXX and was denied. I offer to provide my address & some of the card numbers, seeking to determine if a XXXX account existed for that, and they ended call.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my account, and Ive found serval discrepancies. ( I have attached supporting documents ) Different Account names Different Original Creditor names Different Account Types Different Contact Address Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. 

In addition, on XX/XX/XXXX I sent a letter to XXXX requesting validation of account. ( I have attached supporting documentation ) In Result : NO RESPONSE This is Violation of : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character. 
Negligent On XX/XX/XXXX I provided proof to XXXX I was assaulted & my purse with my identification was stolen. I mailed in all supporting documents. Police Report File # XXXX XXXX, FTC Report # XXXX, Proof of Address, Proof of Identity. ( I have attached supporting documentation ) XX/XX/XXXX The information was received. XXXX XXXX # XXXX In Result : Information came back ACCURATE & VERIFIED XX/XX/XXXX I submitted another dispute to XXXX  ( Report # XXXX ) In result : Verified and Updated I am writing to report invalidated and inaccurate derogatory marks reported on my credit report. The information being reported is inconsistent, inaccurate & outdated. Im also writing to report negligence of FCRA violations & Defamation of character. 
My reports state that my accounts have been verified & accurate since XXXX but there are multiple discrepancies found since then & I have not seen any updated information. How has this information been verified and reported accurately? This is a direct result of negligence & defamation. In result, I have been denied loans due to this reporting. ( I have attached supporting documentation ) I am requesting this account be deleted and removed from my credit report immediately!
Product: Debt collection

Sterling Jewelers 30 day dept continued to call me after I explained that my wife lost her job and gave them a date I would pay asked them not to call me again on 3 occasions all 3 times I said Cease and desist. The rep ended the call and the next rep informed me that the only notes from the previous call were refused to pay. I explained that I told them the exact amount and date I would pay. Ic also told them to Cease and Desist. This did nothing to stop the harassment. They also tell me it wil be out of department if I do n't pay right then this is not true and the threat that they have or are reporting to credit bureaus if I do not give them my credit card info that day is false, they do not report until 90 days late. These reps have ignored multiple requests to not call my cell phone, do not call during working hours, Cease and Desist, do not call until after the date I said I would pay and to stop harassing me. They either do not keep accurate documentation of conversation or lie and mislead me by saying the notes do not exist. I have told them why I am late and promised to pay on a certain date asking for no more harassing calls unless I do not pay to no avail. These rude reps cut me off demand post dated payment and say I am ending this call and hang up after I tell them this is cell phone and I want harassing rude calls to Cease and Desist they then do not notate my account in order to calll numerous times per day threatening to transfer account to another department if I do not post date or call someone and borrow the funds. This department transfer does not happen and either does reporting. I paid cpayment due on the date promised and they continue to call my cell multiple times per day hanging up when I answer. This company is harassing me on my cell, during work, while I am sleeping, after a promise to pay with a date commitment and request for no more calls, multiple calls after being told one per day if they wo n't Cease and Desist, hang up calls after paid, mid documentation and misleading threats. Please stop them. Until my wife lost her job I was never late always lapaying more than due. Explained loss of income and was told to borrow. The HARRASSMENT has to stop or I will be unemployed also. I owe them less than XXXX and have asked for a change of due date so I wo n't be harassed to no avail. Still receiving hang up calls on cell from numbers all over the country when payment has been made during working hours and when I call the number back and end call after hearing who it is they call back constantly until answered. What part of Cease and Desist this is a cell phone you are harassing me I will pay Friday please stop calling until then do not call will be late while wife is unemployed and no I ca n't borrow DO THESE PEOPLE NOT UNDERSTAND? All my other debtors work with me. Will never shop at any of their stores again. No harassment was involved in purchasing. Something has to be done to stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance XXXX XXXX {$4800.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$44000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$670.00} {$0.00} {$670.00} Credit Limit : {$480.00} {$480.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$660.00} {$0.00} {$660.00} XXXX XXXX : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent multiple dispute letters to Transunion, XXXX and XXXX regarding inaccurate information and they sent back a letter stating that the accounts are verified and updated still with inaccurate information. This has cause alot of hardship stop me from buying a home and being approve for other credit cards.
Product: Mortgage

I have filed several complaints with the CFPB to no avail. I recently discovered that if the complaint receives a response it is considered closed. This is absurd Responding is not a solution, therefore, we will try again and see if they can still pass the buck. 
1. XXXX XXXX denied they were a XXXX XXXX so the Department of banking was unable to assess sanctions. 
2. XXXX XXXX XXXX XXXX foreclosed in spite of rectifying the accounts servicing and other illegal fees. ( XXXX. ) They proclaimed they only offered representation and forwarded my complaint to XXXX. 
3. XXXX 's Ombudsman conveyed erroneous data.A foreclosure sale was XX/XX/XXXX. The reasons for the sale were never resolved so I gave in! They state an inspection was completed XX/XX/XXXX and the property was determined vacant and was secured. The property was not vacant, I was out of town for the holiday abd neighbors were watching the house for me. Upon my return I was unable to gain access to my home. I notified Altisource who was responsible for the lock, The XXXX County Sheriff, the XXXX XXXX Police, Congressman XXXX and the attorney general. The verified the lock was placed XX/XX/XXXX. 
4. The replacement value for the goods sold at auction total a little less than {$7000.00}. 
XXXX said I owed them money, however. the bankruptcy erased this obligation.There were no Ejectment, eviction notice or postings provided. 
XXXX will not change their decision due to XXXX  's lies.
Product: Bank account or service

I am a long time wells fargo customer. I use XXXX to download transactions from the bank via their free service for several years. Recently I discovered that they began charging me monthly fees for XXXX banking. The person I spoke to told me that they have waived the charges and credited monthly charges. Additionally, I was advised that I will not longer incur any charges. This conversation with the bank occurred in XX/XX/2016. ON XX/XX/XXXX I started getting charged for XXXX. When I called wells fargo, I was told that they are promoting their competing paid service and I had to pay for XXXX to download transactions. Further they mentioned that the free XXXX issues had to be resolved by XXXX and had nothing to do with wells fargo. 

I spent about four hours with XXXX on two different occasions and could not get the free service to work. The interface to the free service seems that have been discontinued by wells fargo since they moved to a different website in XXXX. It appears that they have sabotaged their free service to start collecting fees from XXXX users. As a matter of principle, this is another example of wells fargo charging their customers by blocking their free service without any notice or updates. 

As a resolution they need to keep the free service up and running or not charge {$15.00} per month for the new service that they have setup. I can provide more details as needed to resolve this with Wells. I have spent several hours in numerous phone calls. They have used their usual tactic to shuttle me around and drop calls. In the end I did manage to speak to the right department and their only suggestion is to talk to XXXX or pay for the service. 

Hope someone from CFPB can help me resolve this with Wells. Barring which I may decide to move my business to a more consumer friendly bank.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of all XXXX of my credit reports ( XXXX, Equifax, XXXX ). I have noticed several inaccuracies on behalf of the credit bureaus. The reporting agencies ' information on my report is conflicting. The consumer reporting agencies have assumed a vital role under the law, Fair Credit Reporting Act 15 USC 1681 section 602 to make sure that my credit report is " FAIR '' and " ACCURATE '' and 'RESPECT FOR THE CONSUMERS RIGHTS, which they have violated by NOT doing. Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have attached the account number in question and a photo of my credit report with multiple inaccuracies. Please investigate this matter. If accuracy can not be provided, I demand that this account be removed.
Product: Credit reporting or other personal consumer reports

I didn't give access to the KIA COMPANY why they put a hard inquiries on my credit report
Product: Debt collection

I received a notice of debt collection from Online Information Services XXXX Inc regarding XXXX XXXX bill owed from North Carolina service at an address I have never resided at located at XXXX XXXX XXXX, XXXX XXXX. The city and state were not listed on the notice. I have never lived at the address stated. It was also billed to a name I have not had since 1993. I contacted the company today to tell them this was not my debt. I let them know I was disputing this account. I can only describe them as rude. I talked to a girl named XXXX at Online Information Services.
Product: Credit reporting or other personal consumer reports

I have already demanded to have these accounts removed immediately. I also requested proof that it was mine with my signature on it and address. They only send me a letter that says verified but no proof as to how and what was used to be verified as I have already filed a police report and sent it to them. All docs requested has been been sent to and received by XXXX, Equifax, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ), and has violated several of my rights. 

15 USC 1681 section 602 A. clearly states the I have the right to privacy.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : a creditor may not treat a payment on a loan account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Debt collection

15 U.S. Code 1692c ( c ), Resurgent Receivables LLC shall be fined under title 18 U.S. Code 894 ( a ) ( 1 ) ( 2 ) If you violate this Cease And Desist Order with Prejudice!
Product: Debt collection

I moved from and old apartment and was over charged for things I never even had in my apartment. I contacted the rental office who told me the old company had been bought out and they couldnt access my information in the old system. And the only thing I could do was get in touch with the debt collection agency. I did that was and was then told the only thing I could do to get this off my record was pay the amount due. And seeing how I am being charged for things I didnt even have in my apartment that is unfair. And very inhumane.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning and cant figure out why they're there. When I checked, as I routinely do, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but the incorrect accounts remained. Because of this, I am requesting that the documents I've provided be reviewed carefully so I can have peace of mind about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax repeatedly in writing and using the online dispute feature with regard to inaccurate information and negative remarks on XXXX XXXX XXXX accounts due to fraud. I placed a complaint with the Federal Trade Commission reporting the inaccurate account information and provided the info to all Bureaus. The Bureau added new remarks after removing the fraudulent accounts. I also have a police report regarding this matter. Therefore, all remarks on closed/removed accounts should remain off the credit report.
Product: Credit reporting or other personal consumer reports

I have noticed several inaccurate information on my credit report that need to be removed, I have names, addresses, and employers that needs to be removed. I have attached documentation proving my legal name and address. 
Names : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Convergent outsourcing attempting to collect on a XXXX XXXX account that doesn't exist. They harass me and report the account on my credit, when I call XXXX XXXX no account or withstanding balances exist.
Product: Credit card

It is like dealing with a loan shark. They are so desperate to get every penny from the consumer. Havent used my XXXX card in a while. Bought a washer dryer for XXXX paid it in full the very first month, but because payment didnt post on the due date they charged me for late fee, statement fee, and interest for XXXX months on both. I don't even think they gave me the 5 % discount that XXXX  promises when you use their card. I did not know that XXXX had switched to XXXX since my last purchase or I would have used another card. Terrible service.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was transferred from XXXX to Nelnet back in XXXX. I started to notice that my credit score was going down XXXX points each month to the present. I received a letter from them stating that my loan was set back into repayment and into forbearance. Since I applied for the borrower defense. You can see the capitalization interest they have prepared on the loan. Plus they are now reporting that I'm not making payments on my loan. I never once contacted them to have my loan put into forbearance through the repayment process. You can look through the applications on the borrower defense and I indicated I don't want it in forbearance while it's under review. Overall, my current student loans should be under forbearance, but that is for the XXXXXXXX XXXX  back in XXXX at XXXX percent interest. Under the current law, my credit shouldn't be affected at all. Nelnet keeps reporting to all the credit bureaus for the non-payment, which is hurting my credit on a monthly basis. I tried calling them and can't get a hold of them through their customer service department. The current hold times are over 2 hours long. Therefore, I can't get anything corrected with them.
Product: Credit reporting

When a corporation, bank or any institute checks on a credit rating, and then denies one because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past XXXX years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. XXXX XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the USA will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the American people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX  XXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

My belongings were stolen from the gym on XX/XX/24 including my debit cards and my drivers license so I was told to take the necessary precautions of making this report because I wasnt allowed to get my credit report from the companies I needed one from