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

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} Status Collection account. {$120.00} past due as of XX/XX/XXXX FCRA violations : not my names 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  FCRA violations : not my addresses 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

My SSN and potentially other PII such as addresses, credit card # s, drivers license #, etc. were compromised as part of a cybersecurity hack sometime in late XXXX, XXXX ( per Equifax 's website ). 

Equifax itself did not notify the public of this incident ( which is estimated to affect 140+ million people ) until 6 weeks after the attack. I only came to know through indirect channels ( nobody from Equifax contacted me ).
Product: Checking or savings account

I am a customer of Wells Fargo Bank. On XX/XX/2019 there was a debit of {$120.00} for a Legal Order Fee from Wells Fargo and there was a debit of {$59.00} for an IRS legal order. We immediately contacted IRS and because it was in error, IRS reversed the fee of {$59.00} on XX/XX/2019. However, Wells Fargo is refusing to reverse the Fee that they charged. When the order came in Wells took out the major portion leaving the IRS only with {$59.00} and in fact deprived the Government of funds ( In this matter, since it was an IRS error, it was OK ). I have hardly enough funds to pay for my expenses and I am in foreclosure, the bank fee is unconscionable and illegal to deprive a customer of 2 decades of their own funds even where there has been an error. As a result other payment which went out of my account got unpaid and Wells issued a fee of {$35.00} for insuf funds.
Product: Student loan

I am a single parent and received no support from my daughters father. I signed for parent plus loans, and eventually consolidated my XXXX loans with the parent plus loans. Because of current rules related to consolidated parent plus and my loans, I am not eligible for low income rates or loan forgiveness. I spent all of my career providing care for underserved populations, whci normally provides loan forgivness programs. since I consolidted the loans, I am not eligible for any of these programs ... .this is so wrong! Also, apparently my loan and personal info. is availabe to scam people and I got a letter from " XXXX '' a fake agency ... .our persoanl info should be protected from anyone getting it ... my loan agent is Navient. How did this XXXX know my name, address and loan specifics??????? unless it is easily available. At the least, it should be protected personal information ; there needs to be strict laws protecting our private loan info, along with our name and address ... etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Self/XXXX  XXXX account XXXX XXXX, has violated the following : 15 USC 1681 Section 604 ( a ) Section ( 2 ) states a consumer reporting agency can not furnish an account without my written consent. XXXX  has not been given written consent to report to any consumer reporting agency.

15 USC 1666b ( a ) states a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any reason. I have not received any statements or notices from Self/XXXX  XXXX  .
Product: Mortgage

I have a new issue with Wells Fargo Home Mortgage. In XXXX I had this loan discharged in bankruptcy. Because I am XXXX XXXX XXXX and protected by SCRA they could not come and foreclose on the home included in the bankruptcy. I am currently trying to get financed for a new home loan and when the underwriter pulled a Fraud Risk Score it showed XXXX separated dates in which Wells Fargo filed a Notice Of Default XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I never received any NOD in the mail and I question the authenticity and legality of it. In XXXX we sold the home that was financed by Wells Fargo no one informed us that we could attempt to sell it after bankruptcy. When we filed bankruptcy we owed Wells XXXX the home sold for XXXX and we still had to close as a short sale because of all of the ridiculous fees Wells charged. It 's time that someone looked into this situation we have filed numerous disputes without action. How much destruction is XXXX company allowed to cause before action is taken. I will now not be allowed to get financed for a new home because of the Notices of default placed on my record ; this puts my family and future in even further distress. I called and asked Wells Fargo for letters stating that " the NOD was filed in error but we are continually put off. I am attaching the Fraud report and my bankruptcy paperwork as evidence. Thanks, XXXX XXXX
Product: Mortgage

On XX/XX/2019 my mortgage increased from {$870.00} to {$1100.00}. I was told by a Ditech LLC representative that it increased due to escrow and my property taxes went up by {$2000.00}. I have requested documents on the formula that was used to calculate my new mortgage amount and they keep giving me the run around and stating that they sent out letters back in XX/XX/2019. I haven't received any letters other than offers to refinance. I explained to the representative that my mortgage rate is fixed and there is no way my mortgage went up by {$270.00} per month. I asked to speak to a manager and I was told there weren't any available. I would like to resolve this matter to include an itemized form as to how they calculated my new mortgage payment. After doing some research this is a shady practice that this company is known for. They have since filed for bankruptcy and has sold my mortgage to another company but I still make payments to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am in need of your assistance with getting account and items removed that do not belong to me. I have reached out to the credit agencies to no avail. 

The accounts below are not mine : 1. XXXX XXXX XXXX XXXX XXXX XXXX - Bal : {$230.00} 2. XXXX XXXX XXXX - XXXX XXXX XXXX - Bal : {$640.00} 3. XXXX XXXX XXXX - XXXX XXXX XXXX - Bal : {$520.00} 4. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX - XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following is reporting inaccurate lates. I was never 30 or 60 days late 7. XXXX XXXX - in XXXX or XX/XX/2020 ( TU & XXXX ) 8. XXXX XXXX - in XXXX & XXXX XX/XX/XXXX ( XXXX ) Incorrect Name and Address information : Incorrect Name : XXXX XXXX on TU Incorrect Address : XXXX XXXX XXXX on TU Incorrect Address : XXXX XXXX XXXX XXXX XXXX on XXXX & XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX on XXXX
Product: Debt collection

Spring Oaks Capital LLC : amount {$1100.00} last reported XX/XX/year> XXXX XXXX XXXX : {$900.00} Last reported XXXX XXXX I disputed both accounts to XXXX XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail in regard to an auto loan account that is involved in an ongoing XXXX case. 
In the later part of XXXX or early part of XXXX, I was considered XXXX due to a work injury, which XXXX XXXX was made aware of the XXXX case and deemed XXXX XXXX XXXX responsible for taking over my payments and submitting them to Jovia on my behalf. Since this agreement went into effect, I now have more than 10 late payments being reported to the credit reporting agencies; dropping my credit scores tremendously ; and leaving my credit profile damaged because of the number of late payments Prior to this, I have always had an outstanding relationship with XXXX and made every attempt to pay my bills on time. Therefore, due to the nature of the issues being that it was a XXXX case and their insurance company, I reached out to XXXX on XX/XX/XXXX by phone to discuss my concerns regarding this matter and was told that " they could not help me and that I would have to reach out to the credit bureaus to dispute it ''. I even went to the extent of paying the final payment bring the account to a XXXX balance in hope that this would be resolved. 

I do not understand how XXXX was not able to help me resolve this when they are the one who reports the account status to the credit reporting agencies. This matter has caused a great amount of stress from being denied for credit and now my character has been questioned as if I don't pay my bills on time. 

I respectfully ask, due to the nature of the issue stemming from a XXXX case that they DELETE the account from being reported to XXXX XXXX, XXXX, Equifax and XXXX or update all the late payments on this account to paid on time and as agreed. If this is not or I will have to seek legal counsel. 
Please see the attached letter of the certified tracking numbers for letters that was sent out
Product: Debt collection

I have done my research on this collection company that is reporting to my Credit Reports that I owe a debt, and in my findings I discovered via The California Secretary of State that XXXX XXXX XXXX is not, nor have they ever been bonded in the state of California to do business and/or collect debts. So i have questions : 1. What is your authorization of law for your collection of information? 2. What is your authorization of law for your collection of this alleged debt? 3. Can you evidence your authorization to do business or operate in this state?
Product: Debt collection

To whom it may concern, I am writing to express my extreme dissatisfaction with the handling of my account after switching from XXXX to XXXX XXXX XXXX. I made the decision to switch to XXXX XXXX XXXX primarily due to the enticing offer promising to buy out my existing XXXX contract. I was assured that all outstanding amounts with XXXX would be taken care of by XXXX XXXX XXXX. 

However, to my dismay, I recently discovered that my XXXX bill was sent to collections without any prior notification to me. This information was not communicated to me by XXXX XXXX XXXX or XXXX, and I was blindsided when I noticed the negative impact on my credit score. It has been almost 2 to 3 years since I switched providers, and this sudden revelation has caused significant distress and inconvenience. 

I find it unacceptable that such an important matter was not communicated to me in a timely manner. I have always been diligent about my financial responsibilities and have never missed a payment without prior knowledge. The lack of transparency and communication in this situation is deeply concerning. 

I request immediate action to resolve this issue. I expect XXXX XXXX XXXX to honor their commitment and settle the outstanding amount with XXXX as promised during the switch. Additionally, I urge both XXXX XXXX XXXX and XXXX to review their communication protocols to ensure that customers are adequately informed about any changes or outstanding balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was working with XXXX XXXXXXXX XXXX for a loan modification to lower my mortgage payments. The entire process had taken over 3 months to resolve. I had communication with them including their coroporate office. The first modification amount was more than I was paying by XXXX dollars they kept making excuses regarding my account speciaist assigned to my case. The second amout was XXXX more than what I was paying. Once they had completed the process before being acquired by XXXX XXXX I was paying XXXX when my original mortgage was XXXX or less. XXXX kept transferring me to another account specialist which started the process again. I was instructed not to make a payment during the process. The next modification amount was even higher than the first one. At this point XXXX  XXXX XXXX told me they sold my account to XXXX XXXX who worked with me and lowered my mortgage. During the three months of disputing with XXXX they reported my account as late to all three credit bureaus. XXXX XXXX has since been broughtout by Mr. XXXX. As to date XXXX has not removed the 90 day history from my credit accounts and now I am trying to buy a new home and the 60 days late payment is hindering my credit and I need to have it remove. XXXX is non-responsive when I try to call and will not provide me with any additional information. Since being acquired by XXXX XXXX they were not able to remove any deragtory marks from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and just checked my XXXX account and found all these fraudulent account XXXX on my report that I have no knowledge of, 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also there were several hard inquiries that I have no knowledge of which includes, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These are fraudulent accounts in my name, i have never opened these accounts. with that being said i am asking for my complaint to conduct a inquiry in reviewing what is going on. please be sure to remove all the accounts and inquiries that does not belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm in disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account name : XXXX  XXXX Account number : XXXX In accordance with The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611, Subsection D, please provide the names and business addresses of each individual with whom you verified the account above with, so that I may follow up with them. Please send an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ALL ITEMS LISTED BELOW ARE : inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed NAME : XXXX XXXX ADDRESS XXXX Saddle XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYMENT : XXXX XXXX XXXX XXXX XXXXDELETE ADDRESSES REPORTED <<<DELETE ALL FRAUD XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Accounts listed below please investigate and delete! 

Creditor Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 24 months Highest Balance Last payment XXXX XXXX, XXXX {$520.00} { Account is not mine please remove FTC police report issued to original creditor Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Term 120 months Highest Balance Last payment Sep. XXXX, XXXX {$2500.00} { Account is not mine please remove FTC police report issued to original creditor XXXX Reported XXXX XXXX XXXX, XXXX { Account is not mine please remove FTC police report issued to original creditor
Product: Credit card

I KEEP RECEIVING MANY CALLS ABOUT CREDIT CARD ISSUES OF WHICH ARE JUSTVERY ANNOYING!!!!!!!!!! THEY HAPPEN DAILY AND MANY TIMES MORE THAN ONCE A DAY!!!!!!!!!!!!!
Product: Credit card

On XX/XX/XXXX Wells Fargo ( my bank since XXXX ) mailed two wire transfers to the XXXX XXXX XXXX in XXXX XXXX, CA ; one in the amount of {$10000.00} and the other in the amount of {$15000.00} without my authorization. 

Wells Fargo indicated there is no fraud and they take no responsibility. 
I have requested for these funds to be returned to me as I never have authorized this fraudulent transaction. 

For more details, I can forward the policy report I filed in the city of XXXX XXXX, CA where I reside. 

Also, I now have come to find out that WELLS FARGO is responding similarly to others suffering from the fraud experience as published the news media.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted credit disputes with all three credit bureaus, to update my student loan balance and account status. My loans with XXXX XXXX were paid off and closed back in XX/XX/2021. XXXX, Experian, and XXXX refuse to update my credit report. I contacted XXXX XXXX they have confirmed my accounts are paid off and closed.
Product: Debt collection

Collection company tried to collect 8 years old debt that I do know I made payments from XX/XX/XXXX to XX/XX/XXXX and since then I never recieved bill or late notice for several years. 

Also I ran credit report and the debt collection is not in credit report which I was under impression it was paid for. 

There was no communication from Debt collector or XXXX XXXX since XX/XX/XXXX until todayI think statue of limitation has passed because it is 8 year old debt and should have been written off as bad debt since I heard nothing for 8 years. Why now?
Product: Checking or savings account

I already submitted similar complain 3 times. 
Issue was not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent, benefit from nor authorize any of the following accounts/Inquiries : Accounts : XXXX XXXX XXXX  Account # XXXX Date Opened- XXXX XXXX, XXXX Amount- {$2800.00} XXXX XXXX XXXX- Account # XXXX Date Opened- XX/XX/XXXX, XXXX Amount {$500.00} 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 XXXXXX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been found on my credit report. I have identified several issues with the information that has been reported and I am requesting your assistance in correcting these errors. 

Firstly, there are several unauthorized inquiries on my credit report. These inquiries from XXXX XXXX and XXXX XXXX were not authorized by me and I suspect they may be fraudulent. I am requesting that these inquiries be removed from my credit report immediately. 

Additionally, there are several inquiries that I do not recall authorizing. These inquiries from XXXX XXXX XXXX  XXXX and XXXX XXXX, XXXX  are unfamiliar to me and I request that they be removed from my credit report. 

Furthermore, there are several accounts on my credit report that have questionable information associated with them. The account with XXXX  XXXX XXXX with the account number XXXX and XXXX, as well as the account with XXXX  XXXX XXXX with the account number XXXX, all have questionable names and numbers. I am requesting that either the information be clarified or the accounts be deleted from my credit report. 

In addition, the account with XXXX XXXX with the account number XXXX has a payment history despite being listed as a charge off. This is inaccurate information and I am requesting that this account be removed from my credit report. 

Lastly, the account with XXXX with the account number XXXX and the account with XXXX  XXXX with the account number XXXX both have incorrect information associated with them. I do not recall ever being late with my payments and I request that this inaccurate information be removed from my credit report immediately. 

I appreciate your attention to this matter and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I initially opened a secured credit card with first progress bank, the security deposit was XXXX dollars. I had trouble making payments because they didnt take debit payments over the phone, overall many issues making payments in general, so I closed the account. Well I then pulled remainder of funds I deposited off the account and they neglected to close the account for many of months and charged me with XXXX dollars in late fees. Damaged my credit and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will file a complaint to you today to inform you I am a victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to complain to the 3 bureaus directly through this website. Here are the accounts that are erroneous in my file and need investigation : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.