23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I contacted Transunion to have a negative report removed from my credit report. The reason it was on my account is because it is my fathers debt, and we share the exact same name. Due to our sharing the same name and address, they refused to remove the report, even though it 's from a debt on an account that was opened when I was XXXX years old. After I called them to try and rectify the situation, I was directed to a XXXX call-center, where the worker hung up on me after receiving my case number. Now there 's nothing I can do about this fraudulent charge that was a mistake on the part of Transunion and XXXX XXXX XXXX without hiring an attorney over a {$130.00} charge from XXXX years ago.
Product: Credit card or prepaid card

wells fargo sent me a card I did n't apply for
Product: Credit reporting or other personal consumer reports

Credit Collection Service has violated me as a consumer. I'm unaware how they've obtained my person information, but I did not give them permission to my personal information or consumer report per 15 USC 6802. Credit Collection began accessing my consumer report on July 2024-January 2025.
Product: Mortgage

On XXXX XXXX, 2024, we received a call from the collection department of Flagstar Mortgage, XXXX XXXX XXXX, XXXX Texas. This is the XXXX month I've received a call from their collections department. On their monthly statement it states, late fee will be charged after XXXX I've never had a payment post on the XXXX of the month or later, nor have I missed a payment, but their 'collection ' department continues to call and, in my opinion, harass us. I called their customer service department on XXXX XXXX, 2024 and this time, when I asked how to stop receiving calls from collections, their rep ( I did not get her name ) told me the only way to stop those calls was for us to enroll in their auto payment program. That by definition, in my mind, constitutes extortion ; Extortion is the practice of obtaining benefit through coercion. 

They are trying to force us into subscribing to their automatic payment system! 

I have found the same complaint from another XXXX customer, on XXXX. See attached file...
Product: Debt collection

Around XX/XX/XXXX someone started using my name to rent apartments in at least California, Washington DC, New York, and Pennsylvania. I have not lived ANYWHERE but MISSOURI since XX/XX/XXXX. I have maintained and ran a business in MISSOURI since XX/XX/XXXX. 

I placed a Fraud Alert with XXXX on XX/XX/XXXX. 

Several months ago ProCollect began harassing me about {$7900.00} owed. Every time they called I asked for written proof of the debt. They never sent me written proof. They were harassing, rude, and hung up on me. They demanded money or that I send a police report, yet they would not provide info about the debt so that I could file one. 

XX/XX/XXXX - I filed complaint against ProCollect with XXXX 

XX/XX/XXXX - ProCollect finally sent me a one page statement which had no identifying information for me except for my first and last name. Th page only showed {$2000.00} in charges. No contract has been provided. Nothing with my signature has been provided. 

XX/XX/XXXX - Called XXXX to dispute the collection by ProCollect on my credit report. This is NOT my debt. I demand ProCollect remove the debt from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected consumer Right to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX ( Original creditor ) Opened : XX/XX/XXXX {$77XXXX 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 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violation put a credit item that was previously deleted without notifing me in 10 business days of the the action XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

letters sent to all credit reporting agencies certified USPS XX/XX/2023 There are several UNVERIFIED/CLOSED accounts reported on my profiles and they have been SERIOUSLY affecting my ability to receive credit, loans, jobs, and houses NEGATIVELY for an extended period. I am requesting PERMANENT DELETION the following closed accounts, for they are publicly ruining my reputation and hindering my ability to obtain credit, which is my right according to the CFPB and the FDCP. ALL CONFIRMED VIOLATIONS ARE SUBJECT TO INDIVISUAL CIVIL PENALTY FEES UNDER THE CONSUMER FINANCIAL PROTECTION BUREAU. 
In accordance with ( 15 USC 1681 I 7 ) you are to respond within 15 days clarifying the actions taken.

Please PERMANENTLY DELETE the following NEGATIVE accounts immediately : 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 card or prepaid card

I have had multiple accounts with Netspend for many years, and my most recent account for almost two years. I filed a dispute with Netspend over a {$36.00} charge through XXXX on XX/XX/2020 for a charge paid out for no delivery. The dispute was investigated and closed without Netspend contacting me. I called and emailed Netspend on XX/XX/2020 to re-open the dispute because no one contacted me regarding the response, or to provide me with the follow-up documents from XXXX for me to respond to. I requested a manager call-back to speak with someone about the dispute, and was told the request would be escalated and someone would call me within 24-48 hours. I never received a call back. On XX/XX/2020, I received a text message that I needed to contact Customer Service about an issue with my account. When I called them a few moments later, I was told that Netspend had closed my account without contacting me, with over {$3000.00} of my money tied up in my account without a way to access my funds. I have made multiple calls, was told multiple times that someone would send a follow-up and escalate, and each time told it would take 24-48 hours for a call back. I was also told that someone tried to call me and that they had left messages, but my call records show that no call was made to contact me and no voice messages were received. The company is refusing to open my account for me to withdraw my money, or to contact me back. Since this account is my primary account and all of my funds are tied to this account, I have had no access to my money, and the company is refusing to allow me to withdraw, access, or transfer my money to a different account which is now causing financial hardship by the inability to pay bills, rent, or purchase fuel for my vehicle to even get to work. When I try to call them, I get hung up on, transferred back to a queue, or refused any action to resolve the issues. I am at risk of losing my job for not being able to get to work, and of being evicted for not being able to pay my rent. I want resolution, and I want my money.
Product: Debt collection

I RECEIVED A EMAIL FROM THESE PEOPLE FIRST OFF I DONT NO THEM NEVER HAD ANY KIND OF CONTACT OR CONTRACT NOR VERBAL AGREEMENT WITH THESE PEOPLE
Product: Mortgage

Planet home Lending told me sheriff 's sale would be XX/XX/XXXX  . It was delayed 3 or 4 different times. They even had some scheduled without notifying me, found out from a neighbor. I moved out before the first scheduled sale. At one point they had someone call me and offered me {$700.00} to get my stuff out so they could fix it up and rent it. Another time they falsely accused me of abandoning it broke in and changed the locks.i made a report to police and pictures were taken. I have been doing the yard work ever since I left. They had another sheriff sale  XX/XX/XXXX . On  XX/XX/XXXX  they had a realtor put a sign on the door saying no trespassing and threatened prosecution. I called sheriffs off ice and they said the sale was not approved or signed by a judge and I have the right to go  in.I m ade a report to local  police.This  home was at one point financed through  XXXX  and I believe something crooked is going on because of 2 years caused me to move out. They kept sending me @ {$1000.00} a month bill.I could have fixed this home and got some of my money back. It is a VA loan. They are ripping off me and the VA. I purchased it for {$140000.00} in XX/XX/XXXX  .   I wa s told they purchased it back for $  XXXX  I b elieve with about {$20000.00} investment this home could sell for close to {$200000.00}. I 'm looking to sue for my losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I need your help, as I tried to do this on my own by contacting the companies that have my name and account number, which I have never applied for.

I am an identity theft victim and have tried to file an FTC report as well regarding this matter.I even filed a police report.

I have no idea whoever applied to any service under my name. I never shared my information with anybody either.

Is it possible to grab the contract that they claimed I applied for? Because I never did that.

Your help will be highly appreciated. 

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

1I have been trying to resolve a matter with the credit bureaus about some issues on my report. On my report there are 7 accounts that are past the 7 years stats they are as listed. 

XXXX XXXX XXXX XXXX Co {$96.00} XXXX XXXX Co {$310.00} XXXX XXXX Co {$140.00} XXXX XXXX Co {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are on all three credit Bureaus. I want them remove
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/2020 I made a domestic transfer to PayPal. 
PayPal promises a transfer based on your banks process between 3-5 business Days. 
My bank posted the transfer transaction on XX/XX/2020. PayPal however held those funds for extra periods of time instead of releasing the transfer to me, intentionally. It is now XX/XX/2020 and the funds have not been released.
Product: Credit card

Please review the attached documents. I want the bureau to start looking into these accounts, which incorrectly label me as late.
Product: Debt collection

I am XXXX XXXX and I would like to request you investigate my Discover bank account with account number XXXX. I am a victim of Identity Theft. I am writing to request that you block the following fraudulent information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that Equifax have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 

1. This account is incorrect status, balance is wrong. 
XXXX XXXX Please remove it from my credit report. I was never late on this account. Amount of limit is wrong.
Product: Debt collection

Pursuant to USC 1681 these accounts are damaging to my reputation, character, and violates my rights to privacy. This account furnised a false report and does not have my consent to report to ANY credit reporting agency. Any alleged documents or agreements from listed account ( s ) provides rights only to the credit bureaus which XXXX, XXXX, Equifax, etc. are not bureaus, but are assumed agencies pursuant 15 USC 1692a ( 1 )
Product: Student loan

XXXX XXXX, 2014 HAUGE ASSOCIATES I was going to school for one year at Iowa XXXX before I decided to change direction career wise. I had thought that through XXXX Grants and my XXXX that my student loans were put together for me to track, this balance showing on my credit now for 3 years, of {$1000.00}, I have no knowledge of whatsoever.
Product: Money transfer, virtual currency, or money service

Chase Wire Fraud Events XX/XX/XXXX - Received a phone call from the Chase Fraud Department phone number. Her name was XXXX, she had all my information. Stated fraud of my company debit card and we needed to cancel it. Phone call dropped due to service connection. A few minutes later I see the email that states a {$25000.00} wire transfer was just performed from my business account XX/XX/XXXX - Immediately called the number provided for Chase Fraud Protection in the wire transfer email, was put on hold for a call back in XXXX min. Received numerous calls in from the same Chase Fraud Number, one of which was the same fraudulent XXXX once the wire from our personal account was stopped. We spoke to numerous representatives during the entire day. The personal wire was stopped, the business wire was not. 

XX/XX/XXXX - The representative told me he was creating the forgery packet and would mail it out. Said I would get an email and a secure message in my message center of the claim. I got none of these things. 

XX/XX/XXXX - On vacation, I left our camp and went to the closest Chase branch in XXXX, MI and had the banker print the forgery packet. I signed it on XX/XX/XXXX and he sent it based on the institution 's instructions. His email verification is included, as well as the ORIGINAL signed forgery packet sent in on XX/XX/XXXX XXXX - Called numerous times to check the status, each time I was told it was in investigation. At first, I was told it was going to be answered in XXXX days, then 15 days. 

XXXX - I stopped into our local Chase branch when we returned from vacation on XXXX and she was told there was no record of the forgery packet sent from MI XX/XX/XXXX so we sent it again from the local XXXX, IN branch XXXX I was told it was in processing. Gathering documentation from this representative as well. 

XXXX - Still no word or credit from Wire Fraud - Called in again and was escalated to supervisor XXXX XXXX, She said the forgery packet which had been sent TWICE from CHASE BRANCH BANKERS had not been received. She told me to go into the branch again and they would email it and upload it directly to the supervisor. 

XXXX - Go into XXXX, XXXX branch again and resend the same document which had been sent two other times before. We are told XXXX days now that the supervisor had it. 

XXXX - Get a letter dated XXXX from Chase that the forgery packet had not been received and thus my case had been closed XX/XX/XXXX - Call in once again to check the status on the THIRD receipt of the forgery packet after 8 days and was told they had the packet and received it XX/XX/XXXX, but there was no update and it was still under investigation. She would not escalate the call. I told her I was filing a claim with the Consumer Financial Protection Bureau and would move forward with legal action due to the 30 days of time lost, business funds kept, and documents lost.
Product: Mortgage

I have been trying to sell my home for over 3 years, CHASE Bank, during that period my real estate agent, presented XXXX offers to Chase as a short sale, THEY REJECTED all of them. 
Finally just recently, they accepted an offer, hooray. 
Here is my problem. CHASE has offered me a {$10000.00}. relocation allowance, to move. 
That would have been fine 3 years ago, but currently, the price of rental houses has more than doubled, and a {$10000.00}. relocation allowance in this market is just not Enough. 
As rental homes have XXXX, I need CHASE to XXXX there relocation allowanceto ME from the {$10000.00} current offer, and increase it to a {$20000.00}. relocation allowance. 
As rental properties have XXXX, it is only fair that CHASE XXXX my relocation allowanceto {$20000.00}. PLEASE MAKE THEM COMPLY WITH MY REQUEST, THEY KNOW THAT RENTAL PROPERTIES HAVE XXXX, Thank you.
Product: Debt collection

Apparently, Oracle ( XXXX ) XXXX has contacted my employer numerous times explaining that I have an important legal matter. They have also called my church, my neighborhood association, and parents. This is a lot extreme!!! When asked to discontinue, they insisted on verifying my social security number. They were very hostile! I have verified with credit and court records, and neither has me owing a debt.
Product: Debt collection

Hunter Warfield Inc i have no idea of the Account XXXX  at XXXX XXXX XXXX is acting give notice of fraud, not responsible for the charges call in nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

The letter sent to XXXX XXXX below XXXX outlines what happened. I have disputed the incorrect credit reporting through Equifax, including the following letter and my credit card statements as evidence, to which they came back with no changes stating they 'verified ' the information reported. I have also disputed the incorrect credit reporting through XXXX Disputes Dept, but no corrections have been made to my credit file. 

XXXX MO XXXXRe : XXXXDear XXXX XXXX XXXX XXXX I am responding to your reporting on my credit file. You first contacted me by mail XX/XX/XXXX to attempt to collect {$15.00}. I did not have any responsibility for the alleged debt you were trying to collect. 

I have attached my XX/XX/XXXX credit card statements for you to view. Please take note of the transition from XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. I disputed the {$15.00} with my credit union after receiving statements that I had a XXXX balance with a minimum {$15.00} payment. My credit union investigated my dispute and deemed the {$15.00} an error on their part, resulting from a payment to my credit card that was misapplied by XXXX XXXX XXXX XX/XX/XXXX. It was also acknowledged as the second misapplied payment, following the first in XX/XX/XXXX. You will find the {$15.00} credited to me by XXXX XXXX XXXX on my XX/XX/XXXX credit card statement. 

Please verify and update the following incorrect information in my credit file : past due status in XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status in XX/XX/XXXX & lt ; -- - owed a XXXX balanceIf the corrections that need to be made are not immediately addressed, I will have no choice other than to move forward with this complaint to the Consumer Financial Protection Bureau and/or file suit. 

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion still making several violations to my credit and doing this by all impunity and not doing any investigation Putting inaccurate information in my credit report over and over and acting like a dictator
Product: Checking or savings account

XX/XX/2019 someone used my debit card and said that a certain number of money was missing from the account and Bank of America placed a temporary credit on the account and the scammers removed it and before the dispute can be found. My email and my account was comprised.
Product: Debt collection

XXXX XXXX Adjusters agreed if debt was PAID in full. The trade line would be removed/deleted off my XXXX, XXXX and XXXX  reports. Company refused to acknowledge this information. The debt was initially open online. Company has not provided proof of when, where & how this loan was obtained in the first place. However, I still PAID IN FULL with the exception of deletion. 

Company is unprofessional, misleading and improperly handling the validity of such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to place a security freeze on my credit reporting from Experian Information Solutions, Inc. I have tried to use their website to add a freeze and called their 800 number. Neither work. It seems that they are trying to force consumers to purchase services in order to freeze their credit, by putting a web user into a look where they must click deeper and deeper into their site only to be routed again and again back to their starting screen and to locations where consumers can purchase their services. 

By the way, the other two agencies ( XXXX and XXXX ) both have very easy tools on their websites that allow consumers to place a freeze on their credit reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent activity on my consumer account. I am a victim of identity theft, I am a federally protected consumer and I did not provide consent to any of the reporting agencies listed above to list information on my report.
Product: Mortgage

US Bank has denied receiving four mortgage payments for which I have the canceled checks. The months in question are XXXX through XXXX of 2021. I was on the " loan forbearance program ''. US Bank has repeatedly frustrated my attempt to come off this program by making unreasonable demands for documents and unethically attempting to get me to add additional people to the " loan modification papers '' so that they, too, would be obligated to pay the mortgage. Neither my previous spouse nor current spouse were parties to the original mortgage agreement. Furthermore, US Bank sent " loan modification '' papers to the wrong address -- twice -- and when they finally sent me papers at my XXXX address, they included a form for a notary public located in the XXXX of Georgia. Now they say they need a " quit claim '' deed from my former spouse although she was never awarded title to the property. That action would also abrogate the divorce degree, saying that she was entitled to net proceeds from the sale. US Bank accepted mortgage payments from me for 16 years without need any kind of " quit claim '' deed. They wanted to put me in an impossible situation with my former spouse so they could continue to charge me 6 % interest instead of the 3.125 % interest they are supposed to charge for those coming off the mortgage forbearance program. Also, while claiming to have not receive any mortgage payments from XXXX through XXXX, they also demanded that I pay a lump sum of over {$29000.00} by XX/XX/XXXX to avoid foreclosure. US Bank is violating federal law and needs to be held accountable for their illegal and unethical actions. None of US Bank 's replies to my former complaint actually addressed the real issues, and I do not think the complaint should have been closed. I do NOT think the CFPB is doing the job it was chartered by CongresXXXX to do -- it's supposed to be an advocate for consumers, not a shill for unethical banks.