23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. These are the fraudulent accounts left that you havent remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts ASAP.
Product: Credit reporting or other personal consumer reports

Multiple accounts requested to be deleted some are the same accounts. Reported inaccurate information. Also there is an also known as XXXX XXXX. This name is not mine nor have i ever used that name for any reason. These accounts are impacting my credit negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collector : XXXX XXXX  XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$380.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 


I have disputed these accounts several times because the date open is reporting inconsistently. The letters came back verified and the accounts are continuing to report errors after they claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes.
Product: Credit card

receive information through credit score company no ding soft inquiry great approval odds i check to make sure soft pull said only need to verify identity. turns out no correct hard pull
Product: Credit card

I opened a dispute with Milestone / Concora Credit for an unauthorized charge I didnt notice on my statement. I was informed a new card would be shipped and the investigation would take XXXX days. I was unable to get detailed information on the entire process and likely outcome from the representative I spoke to, as this is my first time ever opening a dispute. I ended up having to call twice and both representatives didnt seem to know what they were talking about. I need this credit to be applied asap with clarity on the procedure going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a loan modification with Wells Fargo Home Mortgage. I was granted the loan modification and complied fully with all terms of the agreement. I made every payment on time throughout the process. I sold my home in XX/XX/XXXX as a regular sale and settled my mortgage with Wells Fargo. My credit report now shows that there were several months of unpaid payments for the mortgage, even though we complied and made every payment on time. I would like Wells Fargo to remove all data from my credit report completely as this has made obtaining any new credit impossible and has a severe impact on my life.
Product: Student loan

I have been calling Nelnet since XXXX and still have not been able to get in touch with anyone. When trying to use the chat service, I can not get past the Bot. 

The highlight of this horror was on XX/XX/XXXX when I called earlier in the day ( on XX/XX/XXXXXXXX  they hung up while I was still in queue, the recording went from 'please hold ' to 'call tomorrow ' and disconnected. 

But on XX/XX/XXXXXXXX  I waited on hold for 2 hours and 35 minutes. Eventually an agent got my call, but immediately put me on mute. After a couple of minutes of me saying " hello? '' and such, they put me on hold. They picked up again, put me back on mute, I resumed, " Hello? Hello? '' knowing full well that the agent was trying to make their stats look good without having to do their job or possibly get stuck on a long call close to closing time, or close to 'clear the queues ' time. I work for a call center, I knew exactly what they were doing to me. 

To prove I was correct, when the agent hung up on me I was transferred to an automated survey, which asked if the agent I had just spoke " with '' ( no, I spoke AT the agent ), was knowledgeable, professional, and, ahem, " willing to help ''. Insult to injury! 

I am now paying out of pocket with my family 's grocery money because I can not contact this company, and clearly they can't hire enough honest employees with any integrity. Also, my loans had been forgiven and then reinstated. This is just not acceptable.
Product: Credit card

I used a Promotional Credit Card from XXXX XXXX ( ACTUALLY XXXX SYNCHRONY BANK ) to purchase automobile tires on XX/XX/XXXX for {$1300.00}. I made ALL payments on the amount due. 
In hindsight, I FORGOT about the " Promotional Expiration Date XX/XX/XXXX '' On XX/XX/XXXX I was charged an ADDED " Interest Payment '' of {$220.00}, because the Full Amount had not been paid. 
I confused Monthly " FEES FOR THIS PERIOD '' with Interest. 
I am requesting SYNCHRONY BANK remove the Interest Payment '' of {$220.00} from my account. 
I will pay off what I owe and NEVER due Business with SYNCHRONY BANK or XXXX XXXX AGAIN.
Product: Credit card or prepaid card

I opened this account with Lowes on XX/XX/XXXX. On XX/XX/XXXX, I made a large purchase for my new house, {$22000.00}. I was in the process of moving and mail was forwarded. I did not receive my bill until XX/XX/XXXX. This was one day after due day of XX/XX/XXXX. I paid the bill in full ( {$22000.00} ) on XX/XX/XXXX. I was charged a late charge of {$30.00} on the XXXX. On the XXXX, after I paid the bill, the late fee was reversed. Balance was now {$0.00}. On XX/XX/XXXX, 7 days after I paid the bill, I was charged interest of {$380.00}. I called them again and on XX/XX/XXXX they said it was a mistake and reversed the interest. Balance is now {$0.00} again. 
On XX/XX/XXXX, I made 2 purchases {$770.00} and {$42.00}. I received my bill on XX/XX/XXXX ( closing date of bill was XX/XX/XXXX ). I was charged interest on this purchase - 4 days after purchase date- amount of interest was {$10.00}. They said they would reverse the interest. 

This is the fourth mistake in 2 months. Also, when I call up, they request my social security number and I refuse to give that to them.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

The manager of Century Finance in XXXX NC is running a scam trying to insinuate that I need to pay late fees that have already been paid in full as of XX/XX/XXXX. I have been a loyal customer to this company since XX/XX/XXXX when they service an auto loan. I lost my job due to COVID-19 and I went back to school for XXXX and obtained my XXXX XXXX  which was a requirement for me to enter XXXX school, all while this company have been a nightmare to do business with their shady tactics and false statements. I authorized XXXX on XX/XX/XXXX to be taken from account. One of the females at the office overrode my authorization and took XXXX out of my bank without my permission and I immediately emailed her with no response and then called the manager to see what their problem is with following directions. They took the late fees with a payment of XXXX on XX/XX/XXXX with one late fees of {$16.00} left. I received a nasty email XX/XX/XXXX. from the manager telling me of the one late fee left which I already was aware of and did not need threatening email. I had a conversation with him and he told me to just pay the XXXX and I sent him a confirmation email of the payment. This company has a problem sending me receipts which is on my account to send me receipts after receiving my money. My account was paid up some XXXXmon in advance to payoff the loan early so i can get rid of this messy loan company. I resumed payments XX/XX/XXXX and he took the XXXX amount off my loan which I thanked him for in the emails I will be attaching, but he put it back on my account for my payment due in XX/XX/XXXX. He inaccurately stated that I have made XXXX @ 27 payments, but you will see in the email he forgot to mention the XXXX, which would accurately be XXXX @ 26 payments+ 1 payment@XXXX totaling XXXX before Saturdays payment leaving only XXXX left in late fees owed. I took care of that remaining late XX/XX/XXXX with a payment of XXXX to reflect the email I received of the remaining late fee on XX/XX/XXXX. He is fraudulently charging me for late fees already paid that I refuse to pay again. I am a single parent of XXXX  XXXX  kids and just in disbelief that I am being taken advantage of even during this difficult time of being unemployed due to COVID-19, but I am still standing and have not missed one payment. He is untruthful and comes off as a scammer and I regret ever getting a loan with this non-complaint company.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, US DEPT OF EDU Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # 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: Checking or savings account

I reported unauthorized charges on my account in XXXX that occurred in XXXX. I waited the 30-45 days for a response and even filed 2 additional disputes. When I continued to be ignored by my financial institution, BancorpSouth, they told me that they had no legal obligation to assist me as it has now been beyond 60 days. However, they did acknowledge receipt of my written complaint within 30 days of the charges occurring. From my understanding of the FCRA they are actually the ones who have 30 days to reply to me and if I am not given a response their obligation is to refund the charges. I've spoken to several different managers with my bank and they prefer to bend the law to suit their needs. The charges were in the amount of {$170.00} and {$44.00} from XXXX XXXX XXXX. Please assist me in getting my money rightfully returned to me as is required by the FCRA.
Product: Credit card or prepaid card

In early summer ( 2021 ), I ordered online from Lowe 's, using my Lowe 's Synchrony credit card, a shower head and faucet for {$99.00}. We did not receive the items, and I had to purchase them from XXXX to get the items on time for our scheduled work. Worse, on XX/XX/XXXX, I ordered a bathtub online from Lowe 's for {$490.00} and was given a specific window of time for delivery. 
When I received no other tracking information for several days, I contacted my local Lowe 's store and, after being placed on hold for more than 30 minutes, with calls being disconnected so that I had to call back, I was told that they could not provide me with the delivery information, although they did give me the number of the company making the delivery. When I called this company, they told me the item had been delivered. Then they told me it had not been delivered, but they could not give me a delivery date. At that point, I called Lowe 's again to cancel the order, as we had workers scheduled and I needed to get a bathtub to our home asap. Lowe 's told me they could not cancel the order. When the item did not arrive during the time frame I was originally given, I ordered another bathtub elsewhere. Then, a few days later, the delivery truck pulled up. We refused delivery and were not asked to sign anything. 
Since this time, Synchrony Bank has been billing me by US Mail, email, and now they are calling me. I DISPUTED THESE CHARGES in late XXXX or early XXXX -- as soon as I received the first bill -- over the phone and was told that all billing would cease until the matter was investigated. But that's when the harassment began. Still, I have been receiving multiple emails telling me that my payment is late, and now I am receiving phone calls. I am being warned not to build up further charges! I have emailed and talked to Synchrony Bank representatives and told them to stop emailing and calling, reminding them that the charges are in dispute. The most recent phone call came last night around XXXX XXXX. 
Today, I received a notification from Lowe 's credit card company that Lowe 's SAID they delivered the faucet and shower, so the {$99.00} payment is due with interest and late fees, and they are threatening me with additional late fees. They still have not resolved the issue of the {$490.00} bath tub and are not indicating that this charge is even in dispute. Again, in addition to the charges for the items, Lowe 's has tacked on interest charges and late fees. 
I told them that if the shower items were delivered and possibly stolen from my porch, I will contact the police and I will go ahead and pay the {$99.00}, but as a disputed charge, I will not pay any fees. 
This has gotten to the point of harassment, and I have made SEVERAL phone calls to both the bank ( Synchrony, which doesn't even accept consumers ' calls at this point ) and Lowe 's and have spent hours on the phone with them since XXXX, only for this harassment to continue. I have asked them repeatedly to stop emailing and calling.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$170.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$300.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$490.00} Medical XXXX Balance : {$850.00} Medical XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

To whom this may concern, We are terrified that Selene Finance has engaged in unlawful foreclosure against our property. Our mortgage was transferred to Selene Finance in XX/XX/XXXX from XXXX XXXX XXXX. 

Our nightmare started on XXXX XXXX, XXXX, when we had a house fire. We tried contacting Selene to notify them of the fire because the homeowner 's insurance was escrowed in our mo. payment and we needed to notify the insurance co. of the fire & damage that had occurred. After several days, Selene told us that an insurance adjuster would be coming out between XXXX-XXXX on a particular date but no one ever showed. 

Soon after that, one day, after arriving home, there were XXXX trucks parked in the yard at our house. After some questioning, the XXXX gentlemen finally told us that they had purchased the home at auction on XXXX XXXX, XXXX. How is this possible, we were n't even behind on any mortgage payments? We were never notified of any foreclosure or auction. 

Several days after that, we came home to find a large part of our belongings in the yard and they had pulled our vintage jaguar out of the garage and were attempting to sell it to a junk dealer. The supposed new owners were there and told us we had been evicted ; we never received any eviction paperwork from the courthouse or anyone else. 

After doing research on the internet, it appears what we 're going through is commonplace with Selene 's fraudulent, predatory and gross mishandling of servicing mortgages with countless complaints of malfeasance occurring time & time again regarding servicing and unlawful foreclosure of mortgages all over the country. According to the : XXXX ( XXXX Complaints ) ; Yelp ( Numerous Complaints ) ; XXXX Consumer ( XXXX complaints ) and numerous complaints on : XXXX XXXX, XXXX XXXX, XXXX, etc. ; all with similar claims of gross mishandling of servicing mortgages. 

Why has n't some government entity intervened in this continuous pattern of unscrupulous business practices? Ours is obviously not an isolated case so when there is so much government regulation on seemingly everything else, I 'm having a hard time understanding how the FTC, Attorney General 's Office or The State of Texas is allowing this to be problematic time after time. 

The Wall St. Reform & Consumer Protection Act. was written in XX/XX/XXXX to help consumers & homeowners that were being unfairly mistreated by their mortgage servicers. 

Violation of The Real Estate Settlement Procedures Act ( Regulation X ), Federal Trade Commission Act ( FTC Act ) Section 5 : Unfair or Deceptive Acts or Practices & UDAAP - Unfair, Deceptive, or Abusive Acts or Practices Selene Finance 's egregious acts of noncompliance with federal laws have caused us much stress, anxiety and uncertainty if we have or still will have a home. 

Please Help!!!!! 
XXXX & XXXX XXXX, XXXX, TN
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX separate rounds of letters asking the bureau to verify my complaints and verify and show proof of my signature of the credit card and they have yet to provide me with any proof making these unverified accounts that are hurting my credit score to buy a home for my self and my child as a XXXX  father this negative reporting is holding our house hold back. Please see attached document with certified mail receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I called transunion for the sixth times, for the last 8 weeks .... to dispute an account thats not reporting to my credit report which is XXXX XXXX .... but is reporting my to my XXXX and XXXX   ... ... so i asked them to update and report the account and they still haven't ... ... ..
Product: Mortgage

I have proof that I have paid my bill on time every month and that it is the agreed apon amount I have a signed contract that bank of America has not processed since XXXX 2016 and I have a trail letter signed by bank of America telling how much to pay from XXXX thru XXXX XXXX every time I call they just tell me that the paperwork is still in process. it was supposed to be done within XXXX, its clearly more then XXXX. this is n't my computer I have all the paperwork but have no way to upload on the library computer
Product: Debt collection

A process server from sheriff 's department came to my house and handed me wage garnishment documents asking to garnish wages of my employee. My company ( that I own, registered, and dissolved years ago ) is listed as the employer being ordered to garnish wages to myself as the employee. 

I have no knowledge of this debt nor did it make sense to be asking my dissolved company to garnish wages from myself. I have never received nor heard of Unifund until receiving this letter. This isn't even showing up in my credit report. 

I contacted the lawyer representing Unifund ( XXXX XXXX ) and the account representative was not able to locate the amount in question nor did it show there is a wage garnishment in process. The only thing they can see is a debt I had settled years ago where account balance is {$0.00} and is ilisted in good standing with XXXX XXXX when I closed it.