23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was alerted by my identity theft monitoring program that a creditor placed an account in collections with all XXXX credit bureaus. This is the first I 've heard of this company and this debt. The creditor has never contacted me or informed of any such debt.
Product: Credit reporting or other personal consumer reports

Ive contacted Experian to dispute a collection on my credit report. Theyve responded that the debt is mine and will remain on my credit report. Theyve also stated that I can file a complaint with CFPB or FTC to have the fraudulent collection removed. This is not my debt. I do not owe XXXX XXXX XXXX any money. This XXXX party vendor, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX - information on my credit report ( XXXX ) XXXX ) is attempting to collect this fraudulent debt. This debt does not belong to me. This company is also not located in the state that I live in. Theyve purchased a debt from somewhere and are attempting to pass it off on me.
Product: Credit reporting or other personal consumer reports

Experian has closed 10 complaints with 7 XXXX  absurd explanations that clearly are computer generated responses but that does not negate the fact that EXPERIAN NOW HAS STOLEN ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX
Product: Mortgage

For 10+ years now, the ex-wife, XXXX , has refused to remove my name from the joint-loan home mortgage, which is located at XXXX XXXX, XXXX XXXX TX XXXX. 
The ex-wife 's social security number on the divorce decree states it is : XXXX 
At current, and through public info online, I believe the ex-wife resides somewhere in Texas, specifically not at the above named address, and a cell phone number that has her actual voice recorded on voice mail is XXXX. It is unknown if she actually uses or maintains that phone number. 
Throughout the 10+ years at the above named address, I have discovered several re-modifications have been performed on the joint-loan mortgage without any attempts to contact me. 
Wells Fargo deliberately proceeds to do so, continuously without my knowledge, my approval, or my required signatures. " Discovered '' is the term used, because upon attempting to contact the ex-wife about the joint-loan dealings and when I actually had her contact info, the only intelligible communication was a " XXXX you! '' or, " you should 've dealt with it during the divorce. '' Again, I have also discovered through credit checks online, that the joint-loan home mortgage is regularly not paid on time, or at all, consecutively between 1 and 13 months. I honestly ca n't say how foreclosure has not taken place already! 
I have requested info from Wells Fargo via Lawyer, Mail, or by Telephone numerous times. And my responses range from " none of your business, '' to all further request regarding the home mortgage will be ignored. '' I believe some seriously shady, and quite illegal dealings are going on between Wells Fargo. 
I had to " jump through hoops '' to receive a faxed copy of the Mortgage Loan re-modification from a local Wells Fargo Bank from Wells Fargo Mortgage. Even still, one of the Lawyers stated he could not find adequate records regarding the re-modification. Implying that it seemed fake. 
In addition to the recent Wells Fargo trouble we have seen/read in the media, regarding creating accounts without peoples knowledge, as best as I can elaborate on, I believe this coincides with a very, very similar illegal dealings and account mismanagement.
Product: Credit card

This complaint is about systematic pattern of harassment of a senior citizen which started in 2016 when after 20 years of membership at Sam 's club one day when I tried to use the membership card which was also a credit card the use of this card was denied. No assistance was offered when I called the company. Ay that point I cancelled my membership but Synchrony bank continues to harass me on other credit card including new Sam 's club which I had to cancel. This complaint involves the use of XXXX credit card and the charge for shipping on a return order. As it was indicated in previous complaints no any amount of shipping or even price for items purchased was indicated on the invoice copy of which was provided in previous complaint. Then Synchrony bank fraudulently claimed that they removed the charge and now I received a new letter with claim that the charge has been reinstated along with sending me an 8-page alleged policy on return of merchandise. The question is how legal is this post factum mailing of the policy which had not been provided at the time of purchase and fraudulent claim in previous complaint that charged had been removed! This is evidence of a systematic 8-year illegal harassment of a senior citizen who is XXXX XXXX XXXX!
Product: Mortgage

Arvest Central Mortgage company put me in foreclosure during a period of unemployment due to the XXXX XXXX dissolving of the partnership. I was in a forbearance at the time that ended with payments starting after XXXX. When i called to start the process they told me that I couldn't pay and they would not let me and I asked on XX/XX/XXXX for a six month repayment. I was verbally approved. I asked to do a one year instead of the six month and was told to submit the paperwork which I did immediately. On XXXX XXXX, XXXX they filed a forclosure action. I spoke with the attorney and told they that a hardship was in process prior to the action being filed but they did it anyway. Many other events happened where they approved me then denied then approved then denied and utlimately approved for a repayment plan with a monthly payment of {$3800.00} instead of the {$1600.00}. This should have been resolved prior for lesser payments and without the excessive charges by the attorney and i was charged double fees. Once on the payment plan and they on the closing documents and Arvest central mortgage refuses to refund the excessive fees and charges. Then reported me to the credit agencies in XX/XX/XXXX as in foreclosure on an account that was paid in full on XX/XX/XXXX. No one will help me or even answer my questions. The attorney charged me for a hearing that was moot due to resolution which she didn't even know about and I had to tell her and send her the repayment plan because she didn't even know about it. Arvest Central Mortgage made many many mistakes and refuses to acknowledge or fix the situation. They knew or should of known of their wrongdoing but hey do not care and they lie about your account with them and with what they tell you.. it is always different. Plus they said they would do anything to help yet they didn't. This also caused me not to be able to get a car because they ruined my credit score with false reporting.
Product: Checking or savings account

I received a paper check instead of a direct deposit on XX/XX/XXXX due to me temporarily switching to another bank account. When I attempted to deposit my paycheck that is drawn on the same bank that has ACHed into this account before into my Discover Bank account, I was told {$250.00} of my paycheck would be available immediately with the rest to clear on the XXXX. Today, on the XXXX, I expected to have that {$250.00} available to me. I checked and none of my paycheck has been made available. After speaking with 4 different representatives and XXXX supervisors, I find out that the entire paycheck is being held until the XXXX due to " Risk attributes indicate potential for the check to be returned unpaid. '' Discover Bank refuses to do anything about this and can provide me no explanation as to why these funds in particular are being held. They told me that if my account were at the 90 day mark, they could contact the bank that my paycheck is drawn on, but since I opened this account XX/XX/XXXX, they refuse to do anything about it. I need this money to live. I literally don't have money other than this to eat, to pay bills, to get gas, to literally survive.
Product: Credit reporting or other personal consumer reports

The following hard credit inquiries we're pulled without my permission. 

XXXX XXXX - XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Credit card

I was encouraged to apply for a special promotion credit card with The Home Depot. ( THD ) card is serviced by Citi Credit Card Services. Under the promotion, payments are due on first of each month, and no interest charged until XX/XX/year>. 

I pay all my bills through my bank, which is XXXX, Bill Pay. Bill Pay guarantees that payment will reach merchant in one day. Payments are paid electronically. 

Some how, payments arrived at XXXX on first, second, or third of each month. XXXX has been unable to explain this situation. 

I did not intend to be one/two days late. 

THD states on their statement that if one is late, there MAY be a late charge. Also, XXXX was charging me {$2.00} month when no interest ( as stated on their statement ) to be charged before XX/XX/year>. 

I want all charges ( late and interest removed from my account.
Product: Credit reporting or other personal consumer reports

The information listed in my Identitiy Theft Report does not relate to any transaction I have made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  of  2013, m ortgage loan with  Chase  was in a pre-foreclosure status. The loan was satisfied ( paid in full ). It is being reported as foreclosure/paid. This was not a short-sale nor a foreclosure. I have a settlement statement as well as my HUD statement from the closing. I am asking that the word " foreclosure '' be removed from my credit reports or that the term " pre-forclosure '' be used.
Product: Credit reporting

I have disputed the information in regards to Experian posting the XXXX on my credit report. The resolution was account information disputed by consumer. This item was updated from our processing of your dispute in XXXX 2016. I also received an email in regards to the dispute from Experian saying that they have investigated and found the account to be valid. I called Customer Service today and received the same statement but when I asked about what information that was found to verify this account was mine. The CS rep recommended that I speak with the Credit Specialist and the credit specialist told me the same thing at first and then came out and said that they did not really investigate the dispute and do not have evidence to verify the account. 

I have submitted police reports and ID Theft affidavits stating that my information was compromised and the creditor XXXX tried to sue but did not show up for the court appointment of XXXX XXXX, 2016 @ XXXX XXXX that they had set. 

I would have expected Experian to take serious the dispute process because not only does it affect my credit score but my livelihood as well. I believe Experian would have taken more precautions and be more concern if they were in my shoes. 

Also the Experian Credit specialist stated the creditor XXXX had submitted that my address was an address in Arizona. The problem with this is that I have never lived in Arizona or even visited the state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send several letters and filed several complaints regarding a few inquiries that are being reported on my credit report. Equifax has failed to validate this information and have ignored my request to validate this information by not responding to my letter other than for me to contact the creditor in which I did that as well and Equifax has failed to comply. I did not authorize the following credit inquiries that are made by the following companies : XXXX. XXXX XXXX XXXX. XXXX & XXXX XXXX. XXXX & XXXX XXXX. AT & XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

I am writing to report XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX XXXX has incorrectly reported two identical accounts to all three major credit bureaus ( XXXX, Experian, and XXXX ), causing significant harm to my credit score in retaliation to a CFPB Complaint I filed on XX/XX/year>. 
The accounts in question are : Account XXXX : Date Reported : XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX, Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX : Date Reported : XX/XX/year>, Collection Agency : XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute these account because the errors and validation. Furthermore, XXXX XXXX XXXX XXXX retaliated against me further for reporting the error to the CFPB by re-reporting the same account under a different account number. 
Notably, this malicious action occurred after I submitted a complaint to the CFPB on XX/XX/year>. This retaliation is a clear violation of federal law and demonstrates XXXX XXXX XXXX XXXX 's intent to harass and intimidate consumers who exercise their rights. 
As a result of XXXX XXXX XXXX XXXX 's malicious reporting, my credit score has dropped significantly. The duplicate accounts have caused irreparable harm to my credit reputation. I believe this constitutes a violation of : FCRA Section 611 ( 15 U.S.C. 1681i ) for willful non-compliance with dispute procedures FCRA Section 623 ( 15 U.S.C. 1681s-2 ) for furnishing inaccurate information FDCPA Section 805 ( 15 U.S.C. 1692d ) for harassment, oppression, or abuse I have attached supporting documents, including : Credit reports from all three bureaus showing duplicate accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has yet to mail me a report regarding issues of wrong addresses and and personal information on my credit report Equifax every few months add wrong address or several of the same address or bunch phone number that are not my phone number and employment not updated I did not request a credit score just a complete report to see if the information been corrected
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Address Information on Credit Report To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint regarding XXXX, Equifax handling of my request to remove outdated and incorrect address information from my credit report. Despite multiple requests to correct this information under the Fair Credit Reporting Act ( FCRA ), my report still includes addresses that are no longer valid or do not pertain to me. 

Specifically, my XXXX credit report includes the following incorrect addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX These addresses do not reflect my current or past residences and, therefore, are inaccurate. Under the FCRA, credit reporting agencies are required to maintain accurate information. Failure to remove this outdated and incorrect information is not only misleading but potentially harmful to my credit standing. I kindly ask the CFPB to assist in ensuring that XXXX complies with the FCRA by updating my credit report to reflect only accurate and relevant information. 

My current address, which should be the only address on file, is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Thank you for your attention to this matter, and I look forward to a timely resolution. 

Sincerely, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

When my daughter received her license in XXXX, I called my XXXX agent and asked if I needed to add her onto my policy. She had an older vehicle from her dad and was already covered under his insurance policy through XXXX XXXX. Because of that, my XXXX agent advised me that I did NOT need to add her to my policy. Fast forward to XXXX, I was in the process of cosigning for a new vehicle for her. During this process, I inquire what the cost would be to add her onto my insurance policy. That's when XXXX says the underwriter wants to backdate my policy to when she received her license, which resulted in a ridiculous charge just to add her. I said NO THANKS, and then opened a policy with XXXX XXXX and cancelled everything with XXXX, Auto and Homeowners. 

With NO notice or any mail from XXXX, I receive a collection notice on XXXXXXXX  for the backdated charges, {$1300.00}. They never mailed me any notice and only waited 20 days to send their predatory bill to a collection agency. 

That is what I submitted to the XXXX  XXXX XXXX - Complaint, but I just want to emphasize here that I never received any notice from XXXX about this bill.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I filed a dispute for unauthorized charges that were made through my account with Chime Bank. The charges were made on XX/XX/XXXX per the the initial dispute. After one day of investigation the dispute was denied. 
On XX/XX/XXXX I called Chime customer service to appeal decision on dispute. I was informed that I would need to prove that was not at the location of the merchant, at work, etc or file a police report. Which is the first violation of my rights per USC Title 15 1693g ( b ) which place the burden of proof on the financial institution and not that of the consumer. Even with this I proceeded to appease Chime Bank by filing a police report with the XXXX XXXX XXXX Police Department in XXXX XXXX XXXX CA ( XXXX # XXXX ) I assumed this would be enough to have a thorough investigation. I was then told that it would take up to 90 days to conclude investigation. Violation 2 of my rights Per USC Title 15 1693f stating that the financial institution has sixty days after transmission of dispute. 
Im the police report and email sent to XXXX there was corrections made to dispute after going thru the transactions again, calling companies from purchases where made to ensure which charges were authorized by myself and which were not. The total of XXXX  charges were found to be not authorized XXXX charges made on XXXX and XXXX charges made on XX/XX/XXXX for a total of {$400.00}. I was able to also find that XXXX of the charges in original dispute was in fact authorized. This is all stated in email and police report. 
The dispute case was than reopened. After just one day of investigation the charges were once again denied. Even with the fact that my debit card was not in my possession due to card being lost. I once again called chime bank customer service on XX/XX/XXXX to request documentation with full disclosure of evidence that was used to my a conclusion of transaction error. I was told by XXXX of the dispute department that it would be sent to me within 10 days. Violation XXXX of my consumer rights per USC Title 15 1693f. ( d ) which states that the documentation would be provided within 3 business days after conclusion of investigation. 
I informed representative of these violations in hopes of resolution. After being informed there was nothing he can do for me as a customer of the financial institution and consumer I will be filing a complaint with the proper authorities. The representative responded that I should do just that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has on my TransUnion report account sold to XXXX XXXX XXXX XXXX as purchased by another lender which in fact XXXX XXXX XXXX bought back from XXXX XXXX XXXX XXXX XXXX also has yet to clear the matter up after admitting there error to the account. There is no XXXX XXXX XXXX XXXX as sold to as they reported to TransUnion
Product: Checking or savings account

My name is XXXX XXXX. I am a student in college and from around the area of XXXX, Pennsylvania. On the day of XXXX I received a check of XXXX $ from a scammer ( as a student I am desperate to find a job right now. One day, I got an email from my school that said this person needs to hire someone to take care of their dog. I got scammed out of XXXX $ because TD Bank cleared a bad check. If TD bank didn't clear the check I would not lose that XXXX . It's a really long story and I also filed a police report for that in case you guys want to take a look at it. Police report number is : XXXX ). I deposited the check on XXXX, 2021 and TD Bank cleared the check on the next business day ( XXXX, 2021 ) with the full amount of XXXX $! Before making a withdrawal and sending the XXXX $ to the scammer I have already called the bank and asked if that check was really good and they said yes the check was good! After that I still waited 2 more days to see if the check still good and then I decided make a withdrawal of XXXX $ from it. ( The scammer told me that XXXX $ is the payment for my first week as a secure position of take care their dog and the rest of XXXX $ they want me to send it to someone else ). 5 days later TD Bank blocked my bank account and didn't even bother to send me an email or give me any call to say that the check was bounced. I had to call them myself once I found out that I can't log in to my bank account. By that time they kept charging me overdraft fee money of XXXX $ for overdraft and they still blocked my bank account. Because I have no access to see my bank account balance so I cant prevent my account from an overdraft. Now I am in a debt of XXXX which I was saving to pay for my tuition. I don't understand why a bank cleared a bad check and gave me access to the full amount of XXXX $!! Then don't tell me anything about the check was no good and keep charging me overdraft fees without my knowledge about what happened. I am a student and the amount of XXXX $ was a really big amount for me. I trusted TD Bank and was their loyal customer for a while but after this incident I will definitely move on to another bank who can protect me and appreciate my money. Below is the proof that the check was cleared by the bank. Lucky that I was screenshoot it before they blocked me. They still block me now and I already pay them back XXXX $ as of today. Their overdraft fee is crazy. I want to share my story to the other people so that others can learn from my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit card company Avant initially charged me an incorrect finance fee, under Law 15USC 1666B those fees were deemed incorrect and I disputed these charges and requested a fee reversal. These fees were refunded as shown on my attached statement. In addition, the company subsequently charged me a LATE FEE of 39.99 which too was deemed incorrect and refunded on my attached statement. This issue however is not completed and is showing up INCORRECTLY on my XXXX and XXXX credit reports. Please note that the statement that my XX/XX/2023 statement was never delivered which also violates 15USC 1666B which states the statement was to be delivered to the consumer not later than 21 days before the date specified in the statement by which the payment must be made in order to avoid the imposition of that finance charge.
Product: Debt collection

I submitted a letter on XXXX/XXXX/16 to all three Credit bureaus asking them to verify and validate debts listed on my credit report not only did they not verify some of the accounts updated on my report as if they are still active. Portfolio recovery keeps falling off my reports then reappearing saying I owe XXXX dollars to XXXX XXXX but they have not responded to my request for validation.