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

I have incorrect names and aliases on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX My only correct name should be : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Greetings, First of all i want to inform about the poor manners and the low quality of costumer service XXXX XX/XX/XXXX provides to their costumers where to get a hold of human are insane plus the inflexibility with their costumers during this global tragic times of COVID 19 Their hold times are about 2 hrs with no sucess of speaking with nobody wasting time and besides that they dont comply with regulations of providing provisional credit in fraudulent charges they sent me their papers regular mail but i recieved them late because of covid delays mails a soonest i recived their request i faxed it over to them after going thru a whole adventure to get a human on the line. Its for real really unhuman have a person for hrs on the line and not be able to resolve consumer issue because they are depleted of satisfactory staff to honored costumers issues and needs.
Product: Payday loan, title loan, or personal loan

In the early first week of XX/XX/XXXX I approached Wells Fargo bank at XXXX XXXX XXXX CA, for XXXX line of credit they took my all information and told me that in one hard inquiry they will apply my credit card and XXXX line of credit I told them that I have 7 credit cards I only need XXXX line of credit, they deliberately pull up my credit 2 times which result declined of both applications, they lie to me that they will pull up my one hard inquiry.

They have no right to pull up my credit two times without my consent. 
I approached to the bank and complain about the lie and unauthorized use of my credit without my approval. 
If I knew that they will pull my credit two time I immediately stop them doing this, I requested them to remove two illegal unauthorized inquiries from my report but they are using delaying tactics as they are well known for collecting peoples information and ruining their credit and destroying small businesses as they want to increase the wealth of big business and destroy small businesses by destroying their credit. 
They play with my credit report and when I complained about that they had not answered me till now. 
Due to their attitude I am suffering irreparable loss and my business is effective, as no two hard inquiries are in my credit on same day. They have no idea as the staff of the bank is not well trained and they only care about their efficiency and to show the efficiency they had are submitting two applications at a time which result in decline of both applications and they are getting information of people.

Which they may sale to other people or will use that.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Inaccurate Reporting by Experian Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding inaccurate reporting by Experian. The account in question is with XXXX XXXX XXXX, which continues to be reported on my credit report despite having been removed. 

I have obtained my credit report from Experian 's official website, which I will be uploading alongside my report from XXXX for your review. The discrepancies between these reports is that XXXX XXXX XXXX is still present on Annual credit report.com 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers. 


I respectfully request that you investigate this matter to ensure compliance with federal regulations and to protect consumers like myself from erroneous credit reporting. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely,
Product: Credit card

Several times and I paid frequently monthly and never get account help when I see crazy debits amounts and some never return to accounts one paying account XXXX and I stayed over 8 10 years so I need help adverse consumer sellers not helpful all the time I have a good consumers not a lot arguing with staff but I feel I was slighted I had notice odd totals in when I buy things the show day before now getting to total and never as there where made. Need help I closed and what some release relive thank you XXXX XXXX
Product: Mortgage

I have been receiving multiple phone calls, emails, and voicemails from quicken loans trying to get me to refinance with them. I am currently a quicken loans client but after this incident I will no longer do business with them. Some days I would receive over 10 calls even after I kindly told them to take me off of their list on XX/XX/2019. The emails, voicemails, and calls have been going on for over two weeks.
Product: Credit reporting or other personal consumer reports

These are accounts that are not mine and according to the law Section 605 to be specific, I have applied the Ftc documents and you are required to delete this information
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts listed are fraudulent. Should not be reporting on my credit report. 
1. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Dear XXXX Finance, Re : Debt Collection Validate Request We hop XXXX this letter finds you well. Our records indicate an outstanding balance owed to XXXX XXXX, as referenced by the account number ( # XXXX ), in the amount of {$3100.00} reopened on XX/XX/XXXX. 
This letter is to formally notify you that the debt has been forward to our XXXX XXXX for collection.. As part of the process, I'm providing you with a debt validation request. 
In order to properly assess the legitimacy and details if the outstanding balance, I, XXXX XXXX request the following documentation. 
2. Chain of Assignment : detailed records showing the full Chain of Agreement for the debt, including all prior holders and the documentation that proves your right to collect on this debt.

3. Purchase Agreement : a copy of the original purchase agreement or loan contact associated with the debt, including all pertinent terms, fees, and obligations.

4. Insurance Claim Documents : If applicable, any insurance claims associated with this debt and any claim payment history or correspondence that may have affected the amount owed.

5. Proof of Signature : Documentation proving my agreement to the terms of the original debt, such as a signed contract, loan agreement, or any other relevant documentation showing my acknowledgment and acceptance of the debt. 
Please provide the requested documents within ( XXXX ) days from the date of this letter to ensure proper review and resolution of the matter. 
Failure to provide these documents may result in further actions in accordance with applicable laws. 
I appreciate your cooperation in resolving this matter and look forward to receiving the necessary documents. Should you have any questions or require clarification, please do not hesitate to contact me at my email address : XXXX. 
Sincerely, XXXX XXXX
Product: Debt collection

This is in regards to the error made by XXXX when a new auto insurance policy account # XXXX was created on XX/XX/XXXX by a sales agent working for XXXX, XXXX XXXX from XXXX XXXX XXXX to replace or override a previous Policy # XXXX that according to XXXX it had a balance amount of {$380.00} and now it stands at {$1000.00} in my credit bureau report. The monthly premium billing for the new policy was significant higher than the premium amounts from the old policy of about {$300.00} to {$400.00} more. The premiums from the old policy was {$430.00} and on average very consistent each month but the premium payment amounts debited from my bank account for the new policy effective XXXX were much higher and very inconsistent in amount each month ranging from {$640.00} to {$780.00} and when my daughter questioned this high increase in premium to the agent, XXXX XXXX, he explained that the first bill for the new policy was higher due to the transition from the old policy and the new one, and we thought that was the reason since we were issue a credit of ( {$410.00} ) along with a debited payment of {$480.00} on the following month XXXX of XXXX. Also XXXX confirmed my suspicion on the, XXXX that my daughters and myself were charged for 2 overlapping policy accounts when the new one was created for the month of XXXX from XXXX from XX/XX/XXXX to XX/XX/XXXX. I had spent more than 3 hours with them during the week of XX/XX/XXXX to point out the mistakes they did but they refuse to admit to any errors even the one that I had pointed out very clear to them about the overlapping days in which their only response was that they would request from CCS collection agency to adjust the collection debt amount from {$1000.00} to {$550.00} for the overlap billing amounts or the billing for 2 identical  auto policy during the period range of XXXX to XX/XX/XXXX. They didn't want to admit that they had made errors or apologetic even after I clearly show the error of the overlapping billing amounts of being charged to 2 auto policies instead of one. The XXXX Resolution Leader,  XXXX, said that they are going to request the collection agency ( CCS ) that to adjust the debt collection amount to {$550.00} from {$1000.00} but nothing has been done. I sincerely think that any balance from the old policy was paid already. The payments they debited from bank account were too irregular and the increase in premium was to high for the same kind of policy and therefore an investigation of this is needed as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692 c Account is OPEN and no validation of debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuses to fairly and accurately depict my account correctly. I have never paid this account late. XXXX XXXX admitted that they were sending my bill to the wrong address. They admitted this and agreed to correct this mistake.
Product: Bank account or service

Barclays Bank has blocked access to my savings account with over {$40000.00} in cash deposited.
Product: Money transfer, virtual currency, or money service

I was scammed by someone on XXXX and invested on XXXX XXXX  by using XXXX platform starting on XX/XX/XXXX. I transferred XXXX each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of $ XXXX. On XX/XX/XXXX, the scammed company froze my account and I realized that this was a scam.
Product: Mortgage

On or about XX/XX/XXXX, I received a letter from Specialized Loan Servicing ( SLS ) informing me that I was in default of my HELOC loan and risk of foreclosure. I had not heard from SLS since XX/XX/XXXX when the loan was assigned to them. During this time I have not received monthly statements or any type of demand for payment until XX/XX/XXXX. In XX/XX/XXXX, I submitted a request for mortgage assistance from SLS and had not heard back with an outcome from them. On XX/XX/XXXX, since I had not heard back from SLS I sent them a letter offering to enter into a settlement agreement, I offered {$2500.00} to have the Deed of Trust securing the debt released ( full reconveyance ). Then on XX/XX/XXXX, I received a " Mortgage Relief Option '' on XX/XX/XXXX. I immediately contacted SLS to discuss the terms of the relief option, I asked why they listed an amount of {$60000.00} to be repaid vs. the reported balance owed in the amount of {$41000.00}. When I contacted SLS no one could give me an explanation of the sum. On XX/XX/XXXX, I wrote to SLS and requested they provide a breakdown of the {$60000.00} and what legal rights they have to collect on this debt, six years have gone by and I have not received a monthly statement or demand for payment. 

In XX/XX/XXXX, my husband and I filed for BK. Ch. XXXX which resulted in a discharge of debt. 

I have concerns as to why did SLS waited six years to make an attempt to collect on this debt, why I haven't received a monthly statement from SLS, can SLS collect interest on this debt from date they acquired loan ( XX/XX/XXXX to now ), is SLS targeting properties that now have equity in order to foreclose, how many homeowners have been threatened or are at risk of foreclosure by SLS ' deceptive collection tactic. SLS stopped all attempts to collect on debt until the property had equity. 

I have not heard from SLS since XX/XX/XXXX to now. No statements, no demand for payment. How can they collect interest for past six years without any notification to the borrowers. 

I believe that SLS collection practices are abusive and violate TILA and FDCPA.
Product: Money transfer, virtual currency, or money service

On XX/XX/, I received a call from a person who introduced himself as XXXX XXXX. I did not know this person prior. He identified himself as an " investor and broker '' and asked me if I wanted to start investing. I stated that I would and was instructed to begin making deposits into a XXXX ATM Machine. I made my first deposit of {$250.00} on XX/XX/. On XX/XX/XXXX  for {$1000.00}. I also made wire transfers through my bank, XXXX XXXX, wire transfers. XX/XX/XXXX  for {$5000.00}, XX/XX/XXXX  for {$2200.00}, XX/XX/XXXX  for {$1100.00} and XX/XX/XXXX  for {$3000.00}. The total is {$12000.00}. XXXX XXXX stopped replying to my messages through the XXXX app on XX/XX/XXXX  until now. 

On XX/XX/XXXX, I got another call from a person who introduced himself as XXXX XXXX. He identified himself as an " investor and broker '' and asked if I wanted to start investing. I told him that he would not be able to invest because he was unable to access the money I was supposed to receive from my investment with XXXX XXXX, {$57000.00}. He told me the money was in an account with XXXXXXXX XXXX XXXX in XXXX, but to withdraw it, I would need to pay a transfer fee of {$3100.00}. He sent a document from XXXXXXXX XXXX XXXX and instructed me to make the payment via XXXX ATM. I made two transactions totaling {$2900.00}. After the transactions, I contacted XXXX XXXX XXXX  regarding the form I got from XXXX. The bank informed me it's not legit. I realized I was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  will not answer me for validating the correct amount shown for a debt they claim I owe. In XX/XX/2011I purchased a ring and they sent a letter after a few missed payments stating my account was closed and I needed to pay {$120.00}. This debt is reporting open with XXXX, with no amount, but closed on XXXX  and Equifax with a balance of XXXX. I've recently reached out to the creditor to take care of the balance and was advised that I owe them XXXX dollars as this debt is still open and incurring charges. I've tried to file a complaint with consumer financial after not being able to resolve the matter with XXXX XXXX XXXX myself. You guys sent it back two days later saying you couldnt locate them. If they're not going to report accurate information nor be listed accurate contact information then I am asking the Bureau 's to now intervene. This debt is not following FRCA laws and I need a resolution Immediately. This is preventing me from buying my first home and is causing me havoc.
Product: Credit reporting or other personal consumer reports

Breach of contract. My information including my social security number were obtained by people ( s ) unauthorized to have access to that information. Read : XXXX
Product: Credit card or prepaid card

I filed a claim with CARD.com card ending in XXXX on XX/XX/2021 Claim No XXXX total of {$150.00}, and {$1300.00}, equaling {$1400.00}. I disputed transactions due to services not being rendered, as stated on disputed form, also returned items, credit pending, wrong items, cancelled, prior to billing services. I disputed those transactions with CARD.com, and yet they have not settled my account with amount appropriated. Also they are delaying in shipping me a replacement card, its taking them sometime. I always seem to be having issues with this card.com services they are really rude at times, they don't listen to me. I get upset.
Product: Credit card

I received a statement from Concoria Credit, formerly Genisis Credit regarding my Destiny and Indigo Mastercards. This information advised me of a fee being added onto the card. I called Concoria to discuss and they advised me it was a subscription. These are credit cards not subscriptions. Then I was told it was a reactivation fee. Again they are credit cards so they do not get reactivated. Finally I was told they were membership fees. Typically with memberships, there are benefits for the consumer. The two representatives could not give me one membership benefit to the membership for a credit card. They said the fee gives me access to now 29.9 % credit cards. I requested closing of the accounts only if they could provide credit deletion to not further harm my credit as they have already. This is robbery and taking advantage of people during a vulnerable time of inflation and a crashing economy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not reporting the correct payment amounts that are being made monthly. I 'm currently making over {$600.00} a month payments and only receiving {$35.00} a month and credit on all 3 credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit bureaus and XXXX XXXX XXXX would not do anything to correct this issue.
Product: Debt collection

Police officer knocked on my door and served me papers from Cascade Capital LLC, XXXX. Then proceeded to tell me to hand over my wallet and that all of my money ( {$2.00} which is SSI exempt ) I did as instructed and felt so violated of my privacy. Office gave me a reciept for XXXX dollars even though I told him this money was all I had to live on and that it was exempt money. I am a widowed woman, I live alone and really felt so upset, crying and felt like my rights to privacy was taken away from me. How can a company do this it is so unethical and morally wrong to rob me of my privacy. Thank you.
Product: Debt collection

On XX/XX/year> I received a copy of my credit report and found some accounts that I don't recognize being reported to my credit file which is making my credit report inaccurate. I have contacted these companies and asked what their procedures are if someone is going through a data breach and is experiencing Identity theft. I explained I have been going through ID theft for several years and unauthorized accounts are being reported to my credit file every other year. I was told I needed ID theft affadavit which I will attache here. The latest data breach has come from XXXX. I also filed complaints with XXXX  and the Attorney general for consumer protection. 


XXXX XXXX XXXX XXXX. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX CCB XXXX Inquires not authorized : XXXX XXXX Miscellaneous, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

recently their was something that seen on my credit report that i didnt do or gave someone else permission to do so i reported this problem and the investigation came back accurate which is not right or possible because i NEVER sign up for something like that a day in my life and they telling me that i have they can check my banking because my bank card is the ONLY card that i use for any purchase that i make. i just feel like this is not fair because i wouldnt be doing so much if its something that i did that i didnt do and i want it off my credit because thats something i have to live with and thats not fair to me at all
Product: Debt collection

Credit report an item that isn't mine Castle credit counseling holding date opened XX/XX/2018 amount XXXX which isn't mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this debt was reporting on there. I was very confused because I had previously been garnished for this debt and it was taken care of. However, now they are still reporting a balance and it has been a very long time. I do not owe this debt and they must remove this from my credit file. They are in violation and it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for this companies, I'm not responsible for this inquiries.