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

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

XXXX CHARGED OFF Account info Account name : XXXX XXXX XXXX  Account numberXXXX  Account type : Auto Loan Responsibility Individual Date openedXXXX Status Closed. {$4.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updatedXXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$7100.00} Highest balance {$0.00} Terms 44 Months Account info Account name : XXXX XXXX  Account numberXXXX Account type : Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$16.00}, XXXX written off. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$14000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/XXXX Account info Account name : XXXX XXXX XXXX XXXXXXXX Account numberXXXX Account type : Collection Responsibility Individual Date opened : XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2700.00} Balance updateXXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$2700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Note : My address is XXXX XXXX XXXX XXXX XXXX. I have sent a dispute letter in regards to this to XXXX and Transunion. This is unfair practice and it violates my right under : 15 USC 1681 622A- Right to privacy 15 USC 1681 604A Section 2 : A Consumer reporting agency can not furnish an account without written instructions.

I am asking for a monetary fine furnished to me for violation of {$100.00} up until {$1000.00} or a removal off of my XXXX and TransUnion reports. I do not owe on these closed and charged off accounts
Product: Consumer Loan

in XX/XX/XXXX my wife and I used PayPal to pay for a income tax filing extension as the site would not accept our debit card the cost was {$19.00}. today I received a call from their collection department requesting I pay {$100.00} in late fees I was shocked at such a sizeable late fees on {$20.00} dollars. I think this would qualify as loan sharking. of course I must say shame on us for not reading the fine print.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies keep adding that my account with XXXX is in XXXX  XXXX bankruptcy and it is not. I have not filed XXXX  XXXX bankruptcy and would not have included any student loans. 

The student loan account was paid in full PRIOR to any bankruptcy filed and noted on my credit report for other creditors listed in my case.
Product: Checking or savings account

There was a purchase made for {$1300.00} from my XXXX checking account that was fraudulent and the bank is refusing to refund the monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Names : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX = {$1400.00} XXXX and XXXX XXXX XXXX XXXX # XXXX # XXXX = {$440.00} XXXX, XXXX. ACT # XXXX # XXXX = {$1200.00} Product : Credit reporting, Credit repair services or other personal consumer reports. 

To Whom it may concern, I am reaching out to you about my personal credit that is being held and decreasing because of these credit reporting agencies submitting false and inaccurate information. My biggest problem/complaint is that they are reporting and submitting information does not match on any of my credit reports between multiple credit bureaus. For example XXXX under one and the other XXXX and XXXX as well as inaccurate information like one says opened and the other closed for the same Account Number for the same credit reporting agency, most all of the reports do not match like one says ( Date XX/XX/XXXX & XX/XX/XXXX ) under the same account, the condition reported does not match either and are completely different under the same account. XXXX XXXX is named on my credit report with Original Creditor named as XXXX XXXX XXXX XXXX XXXX and in the other XXXX says XXXX BANK XXXX. All the Dates do not match and conditions do not match either for the same account. As for XXXX on my credit report it states for the XXXX Name : XXXX it does not specify who? What and Why? This is using misdated and misleading information against my name and personal credit report. I have been back and forth this past few years and now I am XXXX  after having lost my left XXXX I am now a XXXX XXXX  and trying to improve my life style. After and long road of recovery and still a long road ahead of myself I am asking help to have these removed so I can take control of my life and improve it. The Deeper Issue is that this still remains after several attempts and contacting the collector for antiquate proof or debt with my authorization or proof of it being me and/or exact dates of said amount owed. I get back letters with barely any information or no response at all. I strongly believe that this is holding false information against my name or even most terrifying that maybe they have the wrong person and taking advantage of my hardship. As a proper resolution I am asking that these be removed right away. I am begging and working my hardest on my own to adjust what I can in life and create a new beginning for myself being XXXX and my pets. I feel that most of these companies have completely submitted and created false and misleading information against my name and I am now just realizing how wrong and incorrect it is.This is  my last attempt to have this removed promptly from all credit bureaues and removed completely against my name. Also I will be submitting letter to Consumer Financial Protection Bureau ( CFPB ) for submitting false and inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Product: Debt collection

XXXX cc bank flag my account with a collection agency don't know where this debt came from
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle loan was closed as paid in full as the original loan was transferred to another party. I was the co signed on this account. 

Ally Financial continued to report this loan/account as late payment/missed payment to the three major credit bureaus and has since caused major decreases in my credit score. 

Ally Financial provides documentation stating that the loan was not in my name at the time they were incorrectly reporting it as late.
Product: Credit card or prepaid card

My identity was stolen and money was pulled off several of my credit cards. Wells Fargo finally refunded all the money back on my card but they reported me as 30 days late and that still has not been removed from my credit report. I cancelled my card out of disgust with them but they need to correct my report.
Product: Mortgage

I received a call from Freedom Mortgage 's phone number XXXX on XXXX XXXX from a man who said his name was XXXX XXXX and he was a loan counselor that was assigned to our case to help us modify our loan. He stated that we needed to pay our negative escrow balance before we could start the modification process. He said I needed to go to a XXXX to pay the negative balance. This seemed fishy to me, so I called Freedom Mortgage on XXXX ( the day I was supposed to make the payment ) and spoke with a representative of Freedom Mortgage to ask them if this was legit. I was told by a representative at Freedom Mortgage that this was legit and that " if they were calling us from their phone number it was them. '' This call was on a recorded line. The Freedom Mortgage rep also told us we were negative in our escrow. So, I made the payment after speaking to the rep at Freedom Mortgage. I would have never made that payment had he told me it was not legit. The payment was made through XXXX XXXX on XXXX XXXX in the amount of {$1100.00} plus a {$16.00} charge from XXXX. This XXXX XXXX guy said then we needed to set up three trial payments. In the amount of {$1300.00}. He wanted to go through the XXXX way but asked me to do it in a way that was different than before. So, I got suspicious again and called Freedom Mortgage on XXXX XXXX to see if that first amount had posted. The first woman I spoke to said she had no record of that or that we were in a modification. So, I eventually got to a supervisor at Freedom Mortgage who informed me it was a scam and they were " ghosting '' the Freedom Mortgage number. I told him I was suspicious from the start but that the actual rep at Freedom Mortgage had assured me it was legit. I would have never made that payment had he not assured me because I was already suspicious of what was happening. Again, they have record of that phone call. AND, the scammers were calling me from Freedom Mortgage 's phone number. Now we are out {$1100.00} that should have gone to paying our mortgage and Freedom Mortgage has done nothing to try to make the situation right. There are no next steps. In fact, XXXX at Freedom Mortgage told me, " You got got ''. Those were his exact words. There has been zero effort on their part to take responsibility for their rep who assured me that was a legit phone call.
Product: Other financial service

Nelnet called me and said they could consolidate my student loan, but all they did was still my money and mess up my XXXX information. I very perturbed, hurt, and sad that they have done this to me. Can you please help me? Thank you for your time and may XXXX bless all your endeavors!
Product: Credit reporting or other personal consumer reports

So I had XXXX accounts with this company a savings and a credit card when I called to close it I asked if the money in the savings account would just be used to pay it off they said yes so I assumed anything left over I would get the difference in the mail but no XXXX mouths goes bye I find out bye the credit bureaus Ive got XXXX mouths off late payments so I call them they say sorry for someone told you that but we cant access the call records to prove that it was not my fault the company rep told me wrong information
Product: Checking or savings account

Complaint regarding pension check mistakenly deposited in XX/XX/XXXX and still not returned to Fidelity, the Check issuer despite showing as reversed on my Capital One account in late XXXX. I have been without over {$3000.00}. of my pension funds, which should have been rolled over to a 401K account, since XX/XX/XXXX. Three financial institutions are involved : Capital One ; XXXX Bank ; Fidelity Investments This is follow-up on four prior complaints for an issue that remains unresolved since XX/XX/XXXX. 
In XXXX I mistakenly submitted a pension check issued by Fidelity Investments to deposit to my Cap One account. Cap one should not have accepted the check as it was made out to XXXX XXXX XXXX XXXX XXXX. 
Within days of realizing my error, I repeatedly called Cap one to reverse the deposit. It took a month of phone calls, but the funds show as reversed from my CapOne checking account in late XXXX. 
The funds have never shown up in the Fidelity account from which the check was issued. 
Over the last months I have repeatedly called Cap One, asked for escalation, called Fidelity, Called Cap One with Fidelity and escalated the problem, including filing four prior complaints with CFPB. 
Each time, CapOne insists the funds were sent to Fidelity, and each time I check with Fidelity, they have no record of the funds coming back to the Fidelity account. 
In the last correspondence dated XX/XX/XXXX from Cap One they gave tracking details on the funds but maintained for the first time that they have sent the funds to XXXX Bank, who they claim act as transfer agent for Fidelity. 
I have called XXXX Bank repeatedly and been told that they will not deal with me as I am not a customer of XXXX Bank. 
I have called Fidelity numerous times and been told that the funds have not been returned to Fidelity and that they consider the matter closed as they see a check being cleared to Cap One and no funds being returned. 
Thus, I have been without over {$3000.00}. of my pension funds, which should have been rolled over to a 401K account, since XXXX. 
I have wasted hours in phone calls, emails, and complaints, and still the funds are not only not in my 401K account, but they are also no longer in my checking account. Each financial institution tells me to contact one of the other ones to resolve the issue. 
At this point, I request that knowledgeable representatives from each of the three institutions involved join a conference call with me and a representative of CFPB in order to resolve the matter. 
I also believe I should be reimbursed for the time involved in resolving this matter, which dates to XXXX. 

Prior complaints : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Debt collection

My student loan was sold to progressive financial due to default on a student loan. I have made attempts to rectify this debt but was told to pay more. Progressive financial has a history of illegal practices with multiple complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/21 I was sent to collections by XXXX  which was for and account that was not mine They refused to do anything about it or give me any information other than the address for the account that I did not open and I had never lived at that address. 

Once in collections, I disputed the debt through each of the 3 credit bureaus and the debt was removed from my credit report until recently. 

On my equifax report the debt has shown up again. I have disputed it both times and they say that the account is mine. They even added the address of the XXXX  account to my credit report. 

If the debt wasn't proven to be mine during the first round of disputes, why would it stay on my report now and why is equifax the only bureau it is able to get onto?
Product: Debt collection

I asked to provide information & proof of contract signed by me and they couldnt provide it JEFFERSON CAPITAL SYST ACC # : XXXX this was not my account I never signed up for XXXX and I believe this is an act of aggravated identity theft.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed a fraudulent accounts on my credit report, please remove these accounts from my report because they hurting my credit.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. No response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : 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 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

My current BK on my record has the length of time on my CB.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. Sates 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 written instructions.

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 card or prepaid card

On XX/XX/XXXX my Bank of America Prepaid EDD account opened with the EDD back up payments. 8 days later, an unauthorized withdrawal of {$5000.00} happened, I filed a claim and approx. 2 weeks later, the {$5000.00} was put back into my account. I requested for them to close that account and reopen a new one since this account has obviously been fraudulently hacked. This was ignored and I was reassured by the bank that there was no need to do this. I was homeless at the time and wasn't able to pick up my mail as frequent as it came. There was continuous problems with unauthorized transactions and I had to continuously change cards. Last year there was a class action lawsuit against B of A due to fraudulent actions in the EDD Prepaid accounts that is still active. I opened up 5 claims on XX/XX/XXXX with a total of {$4100.00} and I should of received a letter just acknowledging the fact of these being opened. Ive received nothing and the status is supposedly still pending. They are responsible to credit me {$4100.00} for numerous reasons, not closing this account in the beginning when {$5000.00} was fraudulently taken and open a new one, and for not performing the actions stated in our contract they would perform to protect my funds.
Product: Mortgage

In XXXX Wells Fargo started reporting my home loan as part of a XXXX  XXXX bankruptcy. However, the mortgage was not part of that, and I continued to pay the mortgage loan with no late payments and remained in good standing the entire duration of the loan. I reached out to Wells Fargo to make the correction numerous times, at least 10 times, over the course of the loan. I was placed in a special contact group of some kind where every time I called I was transferred to a department that handled bankruptcies. That bankruptcies department treated me very poorly and dismissed my concerns. They did nothing. I was unable to do anything related to home mortgages financing because of the additional damage to my credit score. I could not do anything related to mortgages. I could not buy a new house, investment property, refinance, or any type of loan modification. 
It wasnt until about 3 1/2 years later ( XX/XX/XXXX ) that a Wells Faro Senior VP sent me a letter ( attached ) admitting they had misreported the status of my loan for so long and that they finally made the correction. But the damage had been done. 
In XXXX I tried a loan modification and was rejected before they allowed me to apply. The inability to modify or get an extension forced me to sell the house and pay off the loan. I have been unable to obtain a home mortgage since then, forcing my family of XXXX young children to pay more in rent and pay exorbitant fees and interest as high risk tenants. I owned 3 homes starting in XXXX but have been forced to rent over the past several years. My current credit score is negatively impacted from not having a home mortgage as well. 
I received apologies from Wells Fargo customer service and supervisors as well as the VP of lending. But those are empty apologies because they did nothing to remedy or offer any exception to obtaining a modification or new mortgage. 
I even had to call in XXXX when I noticed Wells Fargo was not reporting any mortgage on my credit report. So they did not actually fix the error as promised. They simply removed any record of my mortgage with Wells Fargo from the credit reporting agencies. I had to contact them again in XXXX to get them to finally report my loan correctly as paid in full and in good standing, with no late payments. The unseen damage and affect on paying as a high risk borrower on everything over the years seems incalculable. 
That is not including the emotional damage it has caused in my family, work, and financial relationships. I would argue the damage emotionally, while impossible to calculate, is much more than monetary damage. Ive spent years stressing, sleepless nights, family struggles, even contributing to divorce in XXXX due to finances. There have been many emotionally difficult, discouraging, and demoralizing conversations and events as a result of Wells Fargos misreporting of my account status. 
My experience with Wells Fargo is a prime example of unaccountability, unfair, unethical, and fraudulent reporting from Wells Fargo that had a major impact on my family personally.
Product: Mortgage

In  XX/XX/XXXX I took out a loan on my home with  XXXX    XXXX   for {$310000.00} and made all the payments on time until  XX/XX/XXXX that they convinced me to request a free no charge loan modification with the Federal Government, the HAMP Program. I sent in the required loan modification documents signed and notorized and they have never returned the signed copy by them. They have mis-applied all my payments made to Principal and the present balance of my loan should be down to about {$200000.00} with the obvious decrease in monthly payment amount. They reply that they refuse to answer my questions. The alleged " servicer ''  Caliber Home  Loans has acknowledge the " errors '' made to my account but refuses to audit the loan from the beginning since they have been modifying and changing the running balance and know it. The evidence in all the different amounts they claim are owed which is simply an accounting error on their part. They have never applied my payments correctly to Principal nor given me a signed copy of the modification agreement as you can see yourself. Please get the competent authorities involved and I have a right to be a part of any and all insurance and pooling and servicing agreements. They have used my signature to take out a line of credit secured on my home and this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached. Trans Union made up this address because they're inept fools! Then they can't take it off???? A mistake THEY MADE ON MY CREDIT THAT STILL EXISTS THERE TODAY WHEN I RAN MY CREDIT?????? Well this is the last chance they get. I'm prepared to make this legal. I'm tired of filing these complaints and will use everything attached, including all of my renewal payments and the fact that the other 2 bureaus have the correct address on file and prove it with bills from the day I started using the POB. I will file suit for {$500000.00} against them because this is now going on 1 YEAR I've been demanding they remove that incorrect address that they made up and screwed up off of my XXXX credit report!!!
Product: Debt collection

I used XXXX for my payroll services. Last XX/XX/XXXX they really messed up my account. I closed with them and received notification from their supv my account has been corrected. I have the emails. 6 months ago I get a notice from collection agency. I sent them a letter with explanation with proof I do not owe this. They closed their file. In XX/XX/XXXX I recive another collection notice from another agency. I sent them in XX/XX/XXXX certified letter with explanation and to show proof I DO NOT owe this debt. I have not received any explanation and received today another notice that I have made no attempts to resolve this matter and not its an urgency and I am at my final hour. I have proof they received my letter but they have not given me any explanation or a detail of why I owe over {$3000.00}. Again I have proof this is a mistake and emails from XXXX apologizing for the mess up. Please XXXX reversed all charges and gave me credit for future payroll runs.