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

My complaint is based more so on Lexis Nexis. Upon learning of them, I began to look further into my information, requested my report as it was given to others, and also wanted a stop to them further providing any information about me without my consent. Furthermore, someone collecting information on my ho.e, my accounts, were I work, who I talk to, what I drive, etc. Has a different type of word in my state., 2 actually stalking and harassment with the I tent to do harm. My attempts to receive the report lead me moresoe down a rabbit hole then anything. It was developing g the report and things like did you know XXXX has been plaved on a watch list by individuals... .obviously that isn't information any person could just find on an internet search, it lead people to believe their were XXXX XXXX potentially about to be shown to them, etc. My family are all criminals. None of this is at all anywhere near a a complete truth. 
In order for me to have the report stopped from being released, they required I provide them with my social security number and driver 's license number, home address. I don't believe this group has the authority or my consent at any point for a file with my banking information, my annual income, etc. To be given to them let alone distributed for payment... it's my information, if any money is made off of it,, it's my money, not theirs. It's my information ... and it's for sale.?. For Profit?? How is this even legal and why are they allowed to do this?
Product: Credit card or prepaid card

Synchrony refuses to allow me to update my address and I've revoked my consent for electronic disclosures. 

On a call that occurred on XXXX - I revoked consent to electronic disclosure. 

Paypal and Synchrony are discriminating against me because I'm an unmarried XXXX male. During the call the fraud person stated that he needed to speak w/ my spouse to update the address. I'm not married. This is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer complaint narrative In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. JPMCB CARD Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN REQUESTING THAT THE CREDIT BUREAUS VALIDATE THESE ACCOUNTS REPORTING TO MY CONSUMER REPORT AND ALL THEY DO IS SEND ME A RESPONSE SAYING THE ACCOUNTS WERE VERIFIED WITH NO PROOF. THIS HAS GOTTEN VERY ME VERY ANGRY AND UPSET BECAUSE I KNOW THEY ARE NOT FOLLOWING THE LAWS THAT I'VE BEEN READING AND VIOLATING MY RIGHTS AS A CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Validate/inaccurate reported late payments. instruction : Update to paid as agreed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation Instruction : This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX... 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXXXXXX .... 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX  .... 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation Instruction : This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation Instruction : This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX.. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX : XXXX .... 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I have a Comenity Master card. I originally applied to Wayfair and the company change the Wayfair card to a Master card a few months later. As of the 2021 I am charged 2 interest rates one for the Wayfair purchases and one for the Comenity purchase I did not receive any notification of the double interest. This doesnt seem legal, per the customer service rep the payments are split in half.. I asked if I could receive a separate bill for the 2 charges I would like to pay the Wayfair charge off ASAP I was told I can only make additional payments..on my last statement XX/XX/2021 my interest was {$89.00} my balance is XXXX Again this doesnt seem legal
Product: Credit reporting or other personal consumer reports

Filed a civil rights complaint regards to fair credit act for myself XXXX XXXX, XXXX XXXX and XXXX XXXX. Poor reconsideration process in which the creditor should review applications and give another chance. Denied based on demographics and income disadvantages, fault with the credit bureau inability to keep paid on time accounts on record.
Product: Money transfers

my money transfer in western union can not be process..kind help so that they can continue the transfer processing..the mtcn was XXXX and sent to XXXX XXXX XXXX
Product: Debt collection

I opened an account through XXXX XXXX XXXX with Synchrony Bank.  I have been paying them through XXXX bill pay. On XX/XX/19, I had my monthly payment drafted out of my account and they're saying they never received it, added a late fee and have since reported it to the credit reporting agencies. I have given them all the information they're needing and they're still calling me about it.
Product: Debt collection

Credit collection service reported late payments to XXXX, XXXX, and/or XXXX which is against my right 15 U.S. Code 1692c
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I began a dispute issue with target credit in order to fix a problem with linking my bank account information to an auto pay service for my credit card. The company informed me that they utilize Certegy to verify and they had incorrectly flagged my new account as fake. XXXX has since allowed me to mail in a form to bypass the broken process Certegy has in place but I requested in a previous complaint to clear my name as their file shows multiple failed attempts to link my account ( incorrectly showing as {$1.00} transactions when they were testing the account ). My account is working fine after Certegy was bypassed. Certegy just mailed me a letter dated XX/XX/XXXX with case # XXXX telling me Certainty has completed its investigation Have been unable to verify the reason for the unable to locate response provided by early morning services You may request certainty, initiate another dispute For further information, please contact Certegy at XXXX. 

My request from the beginning was to clear my name. Since the information that you have on file is not accurate and you are now telling me, it is not even able to be researched, my request is simply to have it wiped clean. I contacted you by telephone and after your representative demanded I provide my drivers license number which you dont even have on file, I did so and was told to hold. The representative hung up on my and I am not able to obtain any answers on why my request to remove incorrect information was ignored once again. The CFPB needs to start a legal case in collaboration with government partners as Certegy is refusing to follow procedures, previously lied to me and told me I could not dispute, and now tells me that they are unable to verify the reason and to open yet another dispute claim. Consumers should not be sent in circles and companies like this should be shut down as they are not acting in the best interest of the citizens of this country. 

I would request that Certegy mail me a copy of a new disclosure showing that my account information was successfully removed and that no inquiries, transactions, or other information exist that may complicate future transactions, which are legitimate and have been proven by target being able to link to my account directly. I have never bounced a check, this was never even a purchase, and this company has made it a hellish task to attempt to clear my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed a fraudulent account and fraudulent inquiries being reported. The fraudulent account that was being reported is XXXX account number XXXX. The fraudulent inquiries that are being reported arXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

While trying to order a payoff statement from Freedom Mortgage Corporation ( XXXX XXXX ) the fees related to the payout statements were not properly disclosed, nor was an initial payoff statement in accord with their website terms originally provided. Payoff was requested XX/XX/2022, the website instructions showed that a statement good for 30 days would be provided, there was no indication of the 30 day period on the resulting statement. Additionally the fee structure published and reviewed on the website prior to requesting the payoff did not properly disclose the {$30.00} payoff statement fee that was later charged to my account.
Product: Debt collection

Dear Sirs, I was attending school at XXXX XXXX College in XXXX Colorado, going on my second semester ( In XXXX of XXXX ). In the end of XXXX, I received a phone call from XXXX where I found out that my mother had XXXX. I had to leave school to go take care of her in XXXX XXXX XXXX, XXXX. When I came back, in XXXX of XXXX, I found that ( XXXX XXXX COLLEGE ) had sent a bill that they said I owed in the amount of {$740.00} to a collection agency, by the name of PROFESSIONAL FINANCE COMPANY, located at XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. Phone nubers ( XXXX ) XXXX and ( XXXX ) XXXX. I basically only went to class for a few days for that XXXX Semester ( which began in XXXX of XXXX ). I have been unable to pay this, and I am currently attending school at XXXX XXXX XXXX in XXXX, Nebraska. In order to enroll for the next semester, I am going to need the transcripts that XXXX COLLEGE has, which they will only give after what they say I owe is paid. I do not know what to do, because I am very poor, and I need the transcripts in order to continue going to school. Please, I need your help. I do appreciate so very much your time and attention to this matter. Respectfully yours,
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Information Services LLC credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$12000.00} XXXX XXXX XXXX XXXX XXXX - {$3100.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$31000.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX {$15.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : 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.
Product: Credit card or prepaid card

On XX/XX/2022 I reported that both my credit cards with Bank of America ( XXXX and XXXX card ) were hacked and all the money was transferred from them ( {$38000.00} ) to my checking account in XXXX bank ( Which i have filed a complain about recently ) then all my money from my checking account in XXXX bank ( total of {$66000.00}, including the {$38000.00} from bank of America credit cards ) was hacked and transferred to the XXXX XXXXXXXX XXXX  XXXX XXXX to company called XXXX XXXX XXXX XXXX. 

As soon as i realized that I called bank of America and I closed both of my credit cards. BoA did temporarily credit the {$38000.00} until the investigation ends. 

Today the BOA sent me a notification that the investigation has ended and that the bank was not able to get the money back and thus they are asking me to pay the {$38000.00} of scammed money back to them although the credit cards a re secured with FDIC.
Product: Credit card or prepaid card

XXXX/XXXX/XXXX CFPB Complaints From : XXXX XXXX XXXX XXXX : Wells Fargo Cell Phone Protection Plan Phone Damaged beyond repair and Wells contractor refuses to pay claim # XXXX XXXX XXXX XXXX submitted claim to Wells Fargo Contractor XXXX XXXX XXXX SEQUENCE OF EVENTS 1. X/17 - Contacted Wells Fargo to verify coverage since I have a Wells credit card. Wells verified as long as I paid cell phone bill with my Wells credit card, I have protection from theft or damaged phone 2. X/17, X/17, X/17, X/17, X/17 and X/17 paid XXXX XXXX cell phone bill with my Wells credit card 3. X/XX/17 XXXX XXXX cell phone destroyed when home vandalized 4. X/XX/17 filed online claim for damaged phone submitting to CARD BENEFIT SERVICES per guidelines. Claim included : a. Copies of X/17 and X/17 Wells credit card statements showing payment to XXXX XXXX b. Copies of XXXX XXXX billings for X/X/17 and X/X/17 c. Copy of XXXX XXXX receipt for phone purchase X/X/17 5. X/XX/17 email recd from XXXX XXXX XXXX that claim recd and in process Needs more information 6. X/XX/17 called XXXX XXXX and they said needed statement from XXXX XXXX on what was damaged to phone 7. X/XX/17 visited XXXX XXXX corporate store and obtained written statement from XXXX XXXX manager that phone was destroyed. Emailed letter to XXXX XXXX 8. X/XX/17 email recd from XXXX XXXX XXXX need to call their office about claim 9. X/XX/17 called Card Member Services and they said need copy of receipt for phone purchased that was damaged 10. X/XX/17 emailed copy of receipt a 2nd time ( originally sent X/XX/17 ) 11. X/X/16 XXXX XXXX XXXX called and said they would not be able to honor claim due to the cellular telephone protection plan does not cover items which have been rented, borrowed or received as part of a prepaid plan. I ask 3 -4 times I do not understand what is a pre-paid plan and XXXX XXXX never gave answer. I said I do not understand, I do not know why they are denying and that when I called Wells Fargo in X/17 they never provided any disclosure exceptions and there were not any stipulations if claim ever made just pay for cell phone bill with Wells Fargo credit card and cell phone coverage would be provided for cell phone stolen or damaged 12. X/X/17 email letter received regarding denial of claim as outlined in # 11 13. X/X/17 contacted Wells Fargo Customer Service to resolve but they said nothing they could do and refereed me back to XXXX XXXX XXXX SUMMARY There was never a disclosure or definition of a cell phone in a prepaid plan. I disagree that the XXXX XXXX phone is a prepaid plan as I purchased phone from XXXX and I did not prepay phone and I do not have a prepaid phone bill as it is paid monthly the same payment each month. <P/>I am requesting Wells Fargo/XXXX XXXX XXXX honor the claim as I paid my bill in good faith under terms explained to me by Wells Fargo/XXXX XXXX XXXX. <P/>Amount due is {$120.00} less {$25.00} deductible per claim terms or amount owed is {$100.00}. <P/>MY CONTACT INFO XXXX XXXX XXXX
Product: Mortgage

Hello My mortgage closed in XX/XX/2022 and my previous banker ( XXXX ) sold the mortgage servicing to Nationstar/Mr Cooper. I had made my first payment ( XXXX ) to the previous mortgage holder before it was transferred. My XXXX payment is not being reflected on my account with Mr Cooper. 

I have been in contact multiple times and sent the statement information from the previous mortgage company. I have confirmed with the previous mortgage company that all funds and information were sent to Mr Cooper. 

I made my XXXX payment after receiving confirmation over email that this is being addressed, but my XXXX payment was applied to XXXX and the additional principal payment is being held as a partial payment for XXXX. 

I was reassured that the payment would be addressed the week of XX/XX/XXXX, but it was not. 

I am concerned that this will impact my credit report when the 60-day grace period ends and my account still shows overdue. I have tried to pay additional money to the principal balance in both payments, and I am concerned that the additional principal payments are being amortized appropriately for the correct month. 

I have attached a timeline of communication and copies of all letters/information provided to me on this matter. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX    I cosigned on a private student loan from  XXXX   XXXX   (  now  XXXX   XXXX   )  through   XXXX   XXXX   ( now   XXXX   ). It came to my attention when I pulled my credit report in  XXXX  that  XXXX  additional student loans through  XXXX  were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with  XXXX  's fraud department around XX/XX/XXXX , and also filed a police report with the  XX/XX/XXXX  police department in Texas.  <P/> After a brief investigation,  XXXX  's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement thr ough my email of one of the  loans. However, I let the  XXXX  fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email.  XXXX  's fraud department did not take further action to try and resolve my fraud claim.  <P/>  XXXX  Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with  XXXX .  <P/> Please see attached documentation including Police Report and  XXXX  fraud claim submitted.
Product: Debt collection

On XX/XX/2021, I wrote to Midland Credit disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated. 

On XX/XX/2021, I received a letter back from Midland Credit. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate. 

On XX/XX/2021, I responded back to Midland Credit, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I never received a return receipt back. The tracking number showed my letter was delivered on XX/XX/XXXX. 

As of today, XX/XX/2021, I have not heard back from Midland Credit, and they are still reporting the collection account on my Credit Report. I gave them 20 days to respond back and delete the account from my Credit Report but they have not done either. 

How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract, and nothing has been provided. Please assist me in obtaining a resolution, thanks.
Product: Mortgage

Wells Fargo is grossly negligent regarding a financial matter. At issue is Wells Fargo refusing to acknowledge or communicate on a property while trying to avoid foreclosure. Wells Fargo is trying to say that they require a bankruptcy authorization form to communicate however Wells Fargo being a lien holder to the bankruptcy and having access to XXXX very well knows the bankruptcy was discharged 2 months ago and therefore no bankruptcy authorization form is required since there is NO active bankruptcy. This is gross negligence on part of Wells Fargo which has had a string of issues lately.