23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I've consistently made sure payments on this account are timely, never letting them become overdue. However, I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently sent a request for my all  XXXX  of my credit reports by      XXXX   XXXX   XXXX   XXXX   and TransUnion responded and requested for information . In response to  TransUnions  request I sent my ID and Social Security card. Today I received another reply from TransUnion and I did not not need to go through this same process with the other credit bureaus which were cooperative. I have lived at my current address for more than 2 years and had sent TransUnion my ID and Social security card as requested.
Product: Consumer Loan

As a Wells Fargo Business Client - I requested information on options for my company. I was asked to validate annual sales and deposits - instead of a structured solution - the Wells Fargo representative XXXXXXXXXXXX pulled my credit and declined the loan without a structure, a consultation, or worse yet - he did this without my written, verbal, or electronic permission. I stated in the email response to him that I wanted a structured idea of what i needed to do - I am am LLC that might switch to an XXXX XXXX, I have {$120000.00} in home equity and wanted to start a line of credit for my 8 year old company. I asked for options and this over zealous loan officer broke the trust and the law by making an unauthorized application in my name/company name. 

I complained to the bank and got the run around that it was a misunderstanding and that they were sorry i was mad. 

The reason for this attempt is that I am a US Based Small business - we have never bounced a check, never had a complaint and when Wells Fargo turned us down two years ago for a line of credit, we opened a Junk Mail and applied for a line of credit in New Jersey - they gave us {$70000.00} in 24 hours at 30 % daily pay - as a business owner, I have tripled my companies gross sales with the financial help and was only trying to get my business loan with the same bank that I trust to process my credit cards and payroll. I was trying to see what was offered by Wells Fargo as they brag about how they care about Americas Small Business - I was wrong in thinking this way but they still do n't have the right to pull my credit without my written, verbal, or electronic permission - it is unethical and shady - Can this agency please help this small business owner?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  XXXX Balance : {$300000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00}
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 protested consumer rights to privacy and confidentially under 15 U.S.C 1681. 
XXXX ) XXXX  ACCT number XXXX Date opened XX/XX/XXXX Chargeoff {$590.00} XXXX ) XXXX XXXX  ACCT nunber XXXX Date opened XX/XX/XXXX wrtten off {$190.00} XXXX ) XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XX/XX/XXXX Writtenoff Repossession {$25000.00} XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) ACCT XXXX XXXX Date opened XX/XX/XXXX collections {$2200.00} XXXX ) XXXX XXXX Acct Number XXXX Date opened XX/XX/XXXX collection {$9600.00} XXXX ) XXXX XXXX  ( XXXX XXXX XXXX ) Acct Number XXXX Date opened XX/XX/XXXX collections {$670.00} XXXX ) XXXX XXXX XXXX number XXXX Date opened XX/XX/XXXX collections {$2100.00} XXXX ) XXXX XXXX XXXX ACCT number XXXX XXXX XXXX XX/XX/XXXX Collections {$1500.00} 15 U.S.C 1681 Section 602A states I have the right to privacy.

! 6 U.S.C. 1681 Section 604A Section 2 It also states a Consumer Reporting Agency can not furnish a account without my 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 reporting by more than 7 years.

15 U.S.C 1681 s-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: Checking or savings account

On XX/XX/XXXX approx. XXXX I went to XXXX XXXX ATM machine in XXXX XXXX XXXX XXXX MN XXXX I withdrew {$1000.00} on my debit card and the ATM did not give me the cash, but took it out of my account. I immediately called the XXXX number and they said it will just be in a pending state and then cancel out at either XXXX or XXXX, which it never did. Called the morning of XX/XX/XXXX XXXX stated she hates when they tell customers that and filled a report, she was treating this as fraud and questioning my XXXX other debits of {$1000.00} on XX/XX/XXXX, I said I was not disputing them. She claimed to file report. Called on XX/XX/XXXX to verify report was file, and it was not. Filed another claim, and now they are saying the dont own the machines and they dont get balanced out until Wednesday or Thursday. Now they are saying XXXX day investigation. I just want my {$1000.00} back and for them to quit lying about the steps to fix this.
Product: Credit card or prepaid card

On XX/XX/XXXX I was supposed to be staying in an XXXX XXXX in XXXX XXXX for 7 days. We didn't arrive until the morning of XX/XX/XXXX, and noticed a lot of things that were wrong with the listing we purchased for the 7 days we would be there. Unfortunately, there was a lot of false advertising with this space and we decided to inform the renter and the customer service on the XXXX XXXX  app. After days trying to reach someone in the customer service department of the app we were left having to find somewhere else to stay. 

I initially requested a refund via the renter and filed the claim with the company. They chose to deny my claim with no just or lawful reason as to why. I requested the proof provided to deny my claim in writing and have not received anything from my request. This matter has put my personal checking account in default and negative by {$650.00}. I am requesting that this amount be readjusted and returned to my account as is violates my consumer protection rights.
Product: Student loan

I received a bill from aidvantage for {$1900.00}. They claim I owe a late fee when I have never had any dealings with this company ever and there is a federal student loan payment pause. The total amount is also incorrect. I attempted to call and speak to someone but could not get in touch with a representative.
Product: Credit reporting or other personal consumer reports

XXXX in a constant dispute with this account information called XXXX XXXX XXXX  the information violates my rights as a consumer the account continues to report in the year of XXXX which The state of texas the information as the right to report for only 4 years its past the statue of limitations if this inaccurate information continues to report I will have result in ligation. This has majorly impacted my ability to obtain credit, I have requested information and have not received documentation supporting this account as well.
Product: Credit reporting or other personal consumer reports

Experian, did not properly investigate my claim. After 48 hours they returned that they completed the investigation. They indicated file has been updated. When I compared the old with the after screens. No updates were made. Experian disadvantaged me by failing do conduct a thorough investigation. If they had, they would have resolved my inquiry and removed XXXX XXXX from my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted Certified mailing to Equifax on disputing a Bankruptcy, collections, and inquires, and closed accounts but. I disputed Bankruptcy with XXXX and they removed it from my credit report but Equifax stated that this has been verified but they have not shown me proof on how this was verified along with collections and inquiries. I am constantly getting the same message that these accounts have been verified with any evidence.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX TransUnion : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Debt collection

I just started receiving 2 to 3 calls a day from XXXX about a debt I supposedly owe from a pay day loan. The only information he gave me, after I verified my identity, was the name of the lender and the amount I took out - Check 'N Go. I asked if they could send me some documentation so I can verify the debt and the man refused - it seems like he was intentionally being vague and confusing and only said that he had to mark me as refusing to pay, and that I could contact the pay day loan lender myself. 
I called Check N Go and they have no record of my name or social # in their system, plus their offices in my state of TN are all closed so I don't know that the debt would even be valid. They advised me to just call the debt collector back. 
I called XXXX back and told the same man that and again asked if he could send me any information on the debt and he refused- he said 'they were reaching the statue of limitations and would take legal action ' and he had to mark me as refusing to pay. 
I told him I wasn't refusing, but I needed SOME, any piece of information to validate the debt. He did not even give me an account number. He spoke very harshly and fast and hung up on me after saying again that they would pursue legal action. 
The first phone call I received from them was in the month of XX/XX/2023 - today is XX/XX/XXXX. He said they mailed me documentation which is not true ; I have received NO paperwork on this. My phone number hasn't changed in 15 years and my address has not changed in 3 years. 
I am terrified to call them back and end up speaking with the same person because he will not give me any information.
Product: Mortgage

Duty pursuant to the FCRA , it is XXXX to be reporting correct and accurate information on my credit report and
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX/XXXX XXXX**** ; XXXX/XXXX XXXX**** ; XXXX   XXXX****
Product: Credit card or prepaid card

I applied for credit with Chase bank today and was denied. I filed bankruptcy in XXXX and have been working very hard rebuild my credit. I pay all my bills on time every month. I have several accounts with Chase 1 business account, 1 personal checking account, XXXX children 's accounts and a savings account. I also have my auto loan through Chase. I am applying for the credit card to further build my credit to buy a home within the next 12 months. I'm a hard working widowed mom. I am a XXXX, I own a small business and work a full time job. I am seeking a small credit line with Chase Freedom credit card to further improve and increase my credit competency. I would kindly ask chase to work with me in rebuilding and reconsider my denial I haven't had a single late payment. My credit scores range from XXXX to over XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX : Balance : {$12000.00} Account Name : XXXX # XXXX : Balance : {$870.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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: Debt collection

Collection agency has not been able to help me dispute an account that was opened on my behalf as a result of identity theft. Collection agency XXXX XXXX XXXX. 
Collector kept trying to reach me since XX/XX/2024 attempting to collect a debt that I at the time thought it was a scam attempt since I did not have any past due accounts. A month later I realized there was an account that appeared on my credit report from them and realized someone had been using my information to apply. I filed a police report for identity theft and sent it over to the collection agency and they stated that they would do their investigation and I would hear back in 2 days. I also confirmed to them that the employer that was used in the MoneyKey contract is a place I have never been employed at, and that the bank account number the funds got deposited to is not a bank related to me. Never heard back and when I contacted them back they stated they were contacting the orginal lender MoneyKey to try to buy back the fraudelent account that was sold to them. I contacted MoneyKey myself and they stated that wasnt possible.
Product: Mortgage

In XX/XX/XXXX I received a letter from United Wholesale Mortgage that my escrow account was going to be short and I need to either send in a payment for {$850.00}, or my monthly payment would increase. Which was weird being that I just started my mortgage with them. I mailed a check which cleared on XX/XX/XXXX. I also mailed my mortgage check. On XX/XX/XXXX I received one of their robo calls to call them back. The lady in customer service informed me that my mortgage payment never arrived. I made an over the phone payment and asked if they " found '' my check to notate I made my XX/XX/XXXX payment. I looked at my bank account online and saw they had processed my check and were still in the process of running my phone payment. I called them to ask to cancel my phone payment as th9is was money to buy XX/XX/XXXX presents. The lady I talked to said it would take 2-3 weeks and it would be better to go to my bank. I went to the local XXXX branch and explained to them what happened. They were confused why United Wholesale Mortgage would send me there, but processed a Reg E dispute. This dispute was declined by XXXX as I gave verbal authorization over the phone for the payment. We had just sent in another payment for XX/XX/XXXX which had cleared when we found this out. I call United Wholesale Mortgage and explained what my bank said as was told I had three payments process, so I was covered for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I received a letter for United Wholesale Mortgage saying my XX/XX/XXXX payment was returned NSF XXXX ; I called to ask about this, as I never sent a check in XX/XX/XXXX. After repeated phone calls to them and countless hours spent by myself and my banker at XXXX, now I received another letter saying they are sending me to foreclosure. I have sent them, on multiple occasions, proof that my two checks have been paid, and my phone payment was processed. Every time I call them to resolve this, since they apparently have no outgoing phone lines and can not call a customer back, I have to resend the same information and am told this issue is in the cash department. Attached you will see the same item I have faxed to them over and over again. You will see two checks clear my personal account and one phone authorized payment. you will also see no credit back from United Wholesale Mortgage to My account. If my check, as they claim but can not prove, was returned, I would have that money in my account. You can Cleary see that they took three payments from me. Now they have put myself and my wife through emotional distress trying to resolve this. They have all of my proof that they have been paid, and can not provide me one item showing that they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights : 1. XXXX XXXX XXXX *Account # XXXX 2. XXXX XXXX  *Account # XXXX 3. XXXX XXXX *Account # XXXX 4. XXXX XXXX XXXX  *Account # XXXX 5. XXXX XXXX *Account # XXXX 6. XXXX XXXX *Account # XXXX 7. XXXX XXXX  *Account # 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

the credit bureaus failed to do a proper investigation how did they verify this account.I want a detailed description of who furnished the account without my permission 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE 3 SYNC BANK Unauthorized inquiries COMPANY NAME SYNC XX/XX/2021 COMPANY NAME SYNC XX/XX/2021 COMPANY NAME SYNCB/TJX XX/XX/2021 I HAVE 1 COLLECTIONS COMPANY NAME XXXX account that is fraudulent.I have contacted the company. I was informed that this was a loan taken out in my name, I have never received funds or anything. I have spoken to this agency twice. 

Company name SYNC XX/XX/2021 Company name SYNC XX/XX/2021 Company name SYNCB/TJX XX/XX/2021 Company name Uplift account XX/XX/2021 2021
Product: Debt collection

I wrote the company a letter requesting validation of debt, this was XX/XX/2020. 
I requested the credit bureaus to validate debt and the pandemic happened and I received no answer. 
I tried calling in XXXX I was told that they would remove the debt and I wasnt liable. It was removed from XXXX  but it remains on XXXX  and XXXX. And it shows on XXXX  twice with different dates. 
Several years back this company place this on my report and I had it removed. Just for them to change dates and put it back. Very unfair
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX owned by XXXX XXXX XXXX XXXX ) is not reporting correctly with the Credit Bureaus. They did update the information from last month to XXXX but not to XXXX or Transunion. 
Please dispute both XXXX XXXX XXXX  XXXX XXXX and the XXXX XXXXXXXX XXXX credit card as well XXXX XXXX XXXX XXXX XXXX they are both showing large balances on these credit cards. XXXX is paid XXXX balance for XXXX months, and XXXX XXXX has a {$500.00} balance not {$2500.00}, I am applying for a Refinance and want the best rate possible. 
Please have XXXX and TransUnion update this information correctly. 
You can not get through to anyone and they outsource to other countries who can not help either just to say they have call ins. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX, XXXX. 
XX/XX/year> XXXX XXXX response is in progress as of XX/XX/year>
Product: Debt collection

This account has already been disputed with CFPB however it was sold to a collection company called ZIONS DEBT HOLDINGS. The previous company was XXXX, which is the dispute held on file with CFPB. The original account holder was XXXX  XXXX. Several times in XXXX I tried to cancel it and they would not let me. Likewise in XXXX under XXXX, I called and wrote letters to cancel it several times.