23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed a change of Credit reporting back in XX/XX/XXXX where there was a collection fee and affected my credit substantially. 

In an effort to lower my debt and be current with all debtors i contacted Portfolio Recovery Associates LLC about a debt they reported in my Credit report. 

I filed all documents and sent them by email faxed, explaining this charge was not made by me since i do not have this card anymore since XXXX or earlier. 

And that on that date, i was not in The USA, i was overseas doing some work. 

So i ask them to verify where the merchant sent this order and verify it was not in XXXX Address. 

i received a document from XXXX XXXX, card, stating than i have a purchase made on XXXX, XXXX, XXXX for {$120.00} to a web page XXXX for a charge of 96 GBP in XXXX Pounds, Clearly not local, so is a charge of ID Theft. moreover from an account number which was not in use for more than 5 years, so how come the credit card Agency does not close an account where no card has been registered in more than 6 months. 

I ask to take this charge write off my credit report, since i will not pay for any expenses, since i did not make this purchase, but is clearly affecting my credit report, So hard trying to keep it clean as it was before the Divorce. 

Please i request your assistance removing this from my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing once again to dispute the accounts appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent accounts being opened in my name without my knowledge. While the creditors have acknowledged these accounts as fraudulent and agreed to remove them from my credit report after I submitted the required FTC report, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

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

I have contacted Equifax via certified mail regarding fraudulent accounts opened as a result of ID theft and requested the accounts to be blocked in accordance with section 605 B of the FCRA. I have not obtained possession of goods, services or money as a result of the following account and Equifax is refusing to block or delete it. 

XXXX XXXX XXXX ACCT # XXXX Amount {$7400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISCOVERED SEVERAL ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED & WOULD LIKE ALL ACCOUNTS BLOCKED AND DELETED.
Product: Mortgage

XX/XX/XXXX Wells Fargo Corporate Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Mortgage acct # XXXX Mortgage acct # XXXX Notation WF as 2 separate account references For the same person and same mortgage??? 


This complaint refers to another court whereby Wells Fargo answered Court Documents With false and misleading answers to the UNITED STATES BANKRUPTCY COURT FOR THE SOUTHERN DISTRICT OF FLORIDA XXXX XXXX DIVISION CASE NO : XXXX. doc XXXX filed XX/XX/XXXX on page 1 of 3. 

The response of Wells Fargo RESPONSE TO OBJECTION TO CLAIM No 1-1 ( Creditor ) alleges the following by and through the undersigned counsel : 2. Creditor affirms a timely proof of claim { Claim 1-1 } was filed on XX/XX/XXXX In the total debt amount of {$100000.00} The amount given by Wells Fargo is inaccurate, inflated and deemed to be false and was submitted to the Court of the above jurisdiction involved. 
The Creditors records ( Wells Fargo ) otherwise indicate unpaid payments as of XX/XX/XXXX statement date unpaid payments in the amount of {$38000.00} + unpaid principal Balance of {$46000.00} both amounts equal a total of {$84000.00} The Creditor being Wells Fargo has proven during the currency of time to practice deceptive methods and banking principals that directly affect the customers continually And unjustly, I further certify that all amounts claimed by Wells Fargo include inflated amounts at the benefit of deceiving the account holder and causing tremendous intended Actions that can and will be used against them and should be corrected by the Authorities That govern the standards, rules, laws and protections under the Law of the Land. 

I hereby certify that the above information is true absolute truth does not change but Wells Fargo is correct in being wrong and should restitute and compensate the damages Incurred and occurred against all parties involved including me. 


May Justice be serve accordingly and significantly without further prejudice Sincerely : XXXX XXXX XXXX
Product: Student loan

Navient was found unable to service student loans, but they are still owners of the loans and do not offer the wide range of repayment options that Mohela offers for student borrowers. 
The website is not even accessible on mohela.com. The Navient website just changed colors. This is fraudulent behavior. They do not offer any forms of repayment for income-driven extended periods. They were found at fault by misleading borrowers, but they still own the loans. 

" The CFPB sued Navient for failing borrowers at every stage of repayment. The lawsuit alleges that Navient steered borrowers who may have qualified for income-driven repayment plans into forbearance instead. This practice was cheaper and simpler for Navient but detrimental to borrowers. By steering struggling borrowers into forbearance where interest continues to accrue and capitalize Navient 's illegal actions led numerous borrowers to pay additional interest charges. " XXXX XXXX XXXX XXXXXXXX So why can't I make an account on Mohela and speak to Mohela customer service to be provided with more repayment options like when I lost my job? navient is still servicing these loans and ruining borrowers by not letting them request income-driven payment plans or extended loan repayment terms for hardships.
Product: Credit reporting

I wrote a dispute letter to TransUnion on XXXX XXXX, XXXX notifying them that they were reporting inaccurate credit information on my report. This letter went unanswered. Therefore, I wrote another letter on XXXX XXXX, XXXX to notify the credit bureau that my previous request for investigation had gone unanswered. As a courtesy I included a copy of my first letter as proof. I requested the item be removed as a proper investigation had not been conducted nor a timely response within 30 days as outlined in the FCRA sent to me. The FCRA states that if a credit bureau fails to conduct a reasonable investigation or respond to a request for investigation of a negative item, then they must remove the item from the consumer 's file. It is now XXXX of XXXX and no resolution of this issue has been made by TransUnion. The credit bureau, TransUnion, is in violation of the FCRA and should give this matter the immediate attention it deserves. This item should be removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act. The list of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A.section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681C. ( 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 if information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable abuse to believe that the information is inaccurate.
Product: Consumer Loan

I am a XXXX, I sent Wells Fargo a financial instrument for {$26000.00} dollars registered mail through the XXXX. also insured, return receipt. It is legal tender for my debt and was told that they will not honor it and will not return it with an explanation telling whats wrong with it which is against the law. I 've done my administrative process to try and resolve the issue with no result. I would like to file a complaint on this very urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Please freeze this report and update my correct information. You guys make it nealry impossible to access my report My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX My phone numbers XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached
Product: Checking or savings account

Our granddaughter XXXX XXXX XXXX contacted us this morning concerned about a withdrawal she had made from XXXX. This is college account we had opened for her. She thought she should have received yesterday, we received this morning at about XXXX. XXXX asked the check be deposited in her Wells Fargo account, XXXX XXXX XXXX XXXX, XXXX XXXX, CO. The check was made out to my husband XXXX, he signed it, made out a deposit slip with XXXX ' account number and presented it to the bank. He was told the bank could not accept third party checks. XXXX went to our XXXX XXXX and cashed the check. With cash, {$3900.00}, in hand he went back to Wells Fargo and was told they could not accept the cash without XXXX present because there was no history of the cash and there was no way to trace. Without argument he went to the college, met XXXX and paid the tuition. Not being happy, called Wells Fargo Customer Service, spoke with XXXX, ( XXXX XXXX ) I asked to speak with a manager, he said he would if I explained my concern. I told him and he said my husband was given the correct information. I are repeated my initial request. I was transferred to XXXX. XXXX explained it was a Federal reg which all banks have to follow. I asked for the req number so I could contact my Congressman. He put me on hold and told me he was incorrect it wasn't Federal by banking policy. I asked if he knew the reason as he had explained he was in the executive section of Wells Fargo. He didn't know. He did say the reason was probably due to fraud or counterfeit. I asked he transfer me to someone in a higher position. He said there was no one higher ( I believe he said this ). I stated there is always someone higher and he transferred me to XXXX ( XXXX XXXX ) I explained, she gave me generally the same answers. I asked if they suspected my husband of fraud or counterfeiting why weren't the police called. He had in had American money, not foreign from our bank. He was making a deposit into the bank, not taking any money out. He would have left any info. He was not a member of any carter or mafia. I find this utterly ridiculous. I asked for the person ( people ) who had made this policy. XXXX explained because of the banking mess ( my word, not hers ) several years ago banks made this decision. I still don't understand. She told me there isn't anyone I could speak with. So I asked for a banking commission or something. She told me of CFPB. Is there an answer why Wells Fargo or as I was told any bank not accepting cash for a deposit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint to your bureau about Shellpoint Mortgage servicing improperly reporting two mortgages I have with them as delinquent on my credit report during a period in which they were under COVID forbearance. They responded that they had indeed reported those accounts improperly, and that they would be removing them altogether from my credit report. I have a third loan with them as well. It is loan number XXXX. This loan was also under COVID forbearance from XX/XX/XXXX to XX/XX/XXXX. When I filed the last complaint about the other two loans, there were no late payments reported on this loan in my credit report. So I did not include this third loan in my previous complaint. In fixing the two loans from my previous complaint, however, Shellpoint went back to XXXX and reported that I was 90 days delinquent on this third loan. Firstly, I was under their Covid 19 forbearance. Secondly, they didnt even bother reporting those dates correctly. They reported a random 90 day delinquency and all months before and after it are pays as agreed. And they need to fix the late fees they have been charging me for periods when I was either under forbearance or being transferred to deferment. I had to call 10 times before I was able to make a payment because they dont respond to email, or voicemails, and they dont pick up calls. They completely blocked me from making automated payments online and over the phone for many months. It was due to repeated emails that I was even able to make any payments once I came out of deferment.
Product: Checking or savings account

On XX/XX/XXXX, I had electronically deposited a check from the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX in the amount of {$2000.00}. Since Ally Bank is an online bank, I can either e-deposit the check through the app by taking verification images, or signing the check and mailing to the banks physical office, which can take XXXX business days by mail. 
On XX/XX/XXXX, I noticed a XXXX hold was placed on the check due to inconsistencies. I immediately called to inquire about the check where I was met with rude, unprofessional, and condescending customer service employees who then restricted access to my entire account for suspicious account activity following my phone conversations with XXXX XXXX XXXX XXXX 
I repeatedly called daily to understand why my entire account has been restricted, blocking access to my current funds, and blocking access to the app login, where I was unable to purchase food and medication for the following XXXX  days. I was repeatedly told they are waiting for the XXXX XXXX to verify my check. I was also told by XXXX customer service employee that it XXXX take weeks and in some cases up to a year. Another customer service employee was immediately dismissed my complaint and replied, anyway, did you have any other questions. I asked for a supervisor. I waited XXXX minutes and then spoke with XXXX who offered no information regarding the hold on the check or how long it will take to be released. The following day, I called and a representative in the fraud department, took my information down for verification, and after going over my profile, she replied, I dont have the patience to deal with this situation, uh uh too much, this is above my pay grade put me on hold for XXXX mins. and transferred me to a XXXX. At this point it has been over XXXX  days, and the funds still have not been released. Ally Bank appears to have some disgruntled employees who did not understand my frustration with their process and overall customer service, as a result, are purposely prolonging the access to my funds from my check from the XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 XXXXXXXX 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 an account without my written instruction.

15 U.S.C. 1681C ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information " ANY '' other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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 : {$370000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I noticed this on my XXXX XXXX credit report didnt recognize or authorize anyone to use my information for an account or for information for this company. Call the company to request information, but keep getting the voicemail
Product: Debt collection

My information was stolen and used without my consent or knowledge. No one had permission to use my social security number band drivers license to obtain goods
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off on the XXXX   XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/XXXX. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score.  These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last two years, I have attempted to get Transunion to fix multiple errors on my credit report from personal information, outdated employment information, old/closed accounts, out of dated personal ( fraud ) statements, wrong phone numbers, and adverse account information. I contacted Transunion XX/XX/XXXX to fix these errors and was told the outdated fraud alert statement was removed and my report was correct, there may be a glitch or delay. I was unable to get online to see my report for sometime but thought nothing of it. 

After noticing the other bureaus fixed longtime errors, I checked Transunion on XX/XX/XXXX and noticed the same multiple issues with totally incorrect info so I submitted and dispute online for my personal info and incorrect account info/statuses. I got an email the NEXT morning stating my dispute results and account info was ready and could be viewed until XX/XX/XXXX. I called on XX/XX/XXXX to advised Transuinon there was no way the report was corrected so soon and my information was still incorrect. The outsourced rep claimed the investigation was still in progress. On XX/XX/XXXX, I get another email to view my report and on XX/XX/XXXX I looked and the report was untouched with nothing corrected or investigated. This is causing issues with my financial situations because Transunion or its reps are not properly disputing or removing incorrect information in 30 days. The company is not following the credit regulations. 

I am also unable to use the website fully and print my results since Ive alerted customer service about these concerns but nothing is being fixed.
Product: Debt collection

I have received calls from multiple debt collection agencies, most recently " Viking Services '', on behalf of " XXXX '' for " XXXX ''. I have no accounts, nor have I ever had accounts with XXXX. I have an account in good standing with XXXX with a XXXX balance. The collectors give my name and call my cellphone, but they do not have my address and they give a different social security number and age/birthdate. This is clearly a different person they are looking for. I am not sure where they obtained my cellphone number. I have been explaining this for several years now. I would like this to stop.
Product: Credit card or prepaid card

I opened the American Express XXXX credit card in XX/2017. According to the time limited offer, the American Express should provide XXXX XXXX points after I spend XXXX in first 3 months and additional XXXX XXXX points after I spend extra XXXX points in first 6 months. After I spend 6000+ dollars in first 6 months, they only provided XXXX XXXX points and said that I only get the XXXX offer. Since they advertised the XXXX offer on their web page, email as well as the credit card application page, and they did n't have any special requirements for this offer, they should provide everyone who applied for the credit card before the deadline. They should never say that people got different offers. If they did n't mention that people may not get the XXXX offer in their application process, they made the fraud advertisement. I urge the American Express to provide XXXX XXXX  points to everyone who applied for that credit card before the deadline.
Product: Debt collection

IT'S BEEN A LONG TIME, JUST TODAY I OPEN MY TRANSUNION CREDIT REPORT, I DO NOT KNOW WHERE THE HECK THIS NAMES OF COMPANIS OR INDIVIDUALES COMMING FROM, TRYING DO XXXX IN MY CREDIT TRY TO BE LUCKY TO USE MY CREDIT TO GET OR BUY SOMETHING, THIS SO MANY INQUIRIES, 90 % ARE FRAUDULENT ACTIVITIS, I SEND THE MESSAGE TO ALL CREDIT BUREAUS AND TO TRANSUNION SPECAL ATTN : THIS THINK MUST STOP, THIS ALL THREE CREDIT BUREAUS MUST USE BETTER TECNOLOGY TO PROTECT US FROM UNAUTHORIZED SELLES, COMPANIS SALESMANS, OR XXXXXXXX XXXX  HACKERS AND FRAUD COMITTERS, MUST, HAVE SPECIAL AUTORIZED COD NUMBER TO FILE A CREDIT ON OUR MAMES, IF THEY HAVE THE XXXX NUMBER, THEY C N'T CHECK THE CREDIT, UNLES WE AUTHORIZED WHEN THEY ASK AS PERMITION, SO WE GO AHEAD TO AUTHORIZE THEM TO GIVE THEM PERMITION TO CHECK OUR CREDIT, OTHERWISE THER IS NO WAY ANY ONE CAN CHECK WITHOUT ASKING, TEXTING CALLING US TO GIVE THEM GREEN LIGHT, TO KEEP OUR CREDIT SAFE FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, : THANK YOU FOR GIVING THIS ATTN ; TO ALL CREDIT BUREAUS TO ADD BETTER TECHNOLGY TO PRETACT US FROM CREDIT DESTROYERS AND CREDIT SCORE DESTROYERS XXXX XXXX XXXX I'M SURE WE HAVE A MUCH BETTER TECHNOLOGY TO FURNISH ALL 3 CREDIT BUREAUS TO PROTECT US CITIENS ASAP. THNK YOU SO MUCH C F P B FOR ACTING AND HELPING US ASP, I HOPE IT ; S SOON, BEFOR WE LOOS OUR CREDIT. THNKS AGAIN, C F P B. SICERELY FROM XXXX XXXX XXXXXXXX XXXX XXXX