23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I just noticed an unfamiliar company on my credit report, with a note that said " account is disputed by consumer ''. I never even heard of the company, how could I dispute it? I learned from my attorney, who I hired to help clean up an identity theft, that creditors will park an account and list it as disputed so the CRA wo n't reinvestigate -- they are tricked into thinking I put in a frivolous dispute. So it remains. I contacted the creditor, and found it to be a mortgage firm that foreclosed on my house, and STILL parked an account for the original balance and payments under a new company name. It 's listed as OPEN, with the last payment of XX/XX/2006. So, I am nowhere with my dispute, and my letters are being ignored. I have turned over my case to an attorney. There is never just one cockroach. If I go to my local public records, I expect to find more cases like mine. There was never any attempt to sue or collect, just that account that says OPEN. It hurt my credit score, and caused me to lose credit opportunities on a continuing basis.
Product: Debt collection

On a weekend not during business hours Reliable Credit made multiple attempts to contact me regarding collecting a debt. I informed them several times that I would be making a payment when the money was available. I am a fully permanently XXXX vulnerable elder adult. I receive very limited XXXX funds. I am already in direct contact with Social Security XXXX  regarding a possible error on their interpretation of reported income in XXXX and XX/XX/2020 in the XXXX XXXX  XXXX  XXXX isolation after I was laid off from the U.S. Census Bureau 2020 contract and PT work. At this time there is a pending investigation and at the time of Reliable Credits repeated attempts to collect a debt more than twice on a day, Weekend. I texted them to CEASE AND DESIST AT LEAST twice when they were attempting to collect a debt. They ignored my requests and continued to repeatably attempt to collect the debt. And told me they could not stop contacting me via phone, when I submitted texted stating my situation multiple times. And that I was required to speak to them directly on the phone for further resolution. My phone service is limited. and as said before I was not only in financial hardship when Reliable credit attempted these harrassing calls. I have made a minimum payment at this time. And because of a refund I received from the U.S. Department of Education related to my filing permanent and full disability and forgiveness of my student loans I will be paying more than 90 percent of the total payoff of this loan. In the meantime, they continue to charge me late charges, and or unwarranted penalizing fees due to my inability to make the payment less than 3 days ago. They claim I am in default and are unwilling to discuss any further details on this matter. The payment I made should post to the account within 24 hours. And the 80 to 90 percent more of the total payoff of this loan will post by end of next week.
Product: Payday loan

I applied for the loan but was unable to access the information about fees and the exact rate of interest. I have paid over {$1200.00} already for a {$1000.00} loan.
Product: Checking or savings account

Subject : Formal Complaint Against Chase Bank for Unjustified Fund Hold Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Chase Bank for withholding {$5000.00} in my business checking account XXXX for the six months without providing a valid explanation. This extended hold has caused significant financial hardship for my business, affecting essential operations, including payroll and vendor payments. 
Despite numerous attempts to resolve the matter, Chase Banks customer service has failed to provide a clear reason for the hold. Each time I have contacted their helpline, I have received vague or conflicting responses, and they have refused to provide a written explanation justifying the hold. 
This lack of transparency and accountability by Chase Bank is not only unfair but also negatively impacting my ability to operate my business efficiently. I believe this is a violation of consumer protection laws, and I am seeking CFPBs assistance in resolving this matter. 
I kindly request that the CFPB investigate this issue and urge Chase Bank to : 1. Immediately release my {$5000.00} or provide a valid, documented reason for the extended hold.

2. Provide a formal written response explaining their actions.

3. Ensure compliance with financial regulations that protect business account holders from unjustified fund holds.

I appreciate your time and attention to this matter. Please contact me at [ Your Phone Number ] or [ Your Email ] should you require any additional information. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus ( XXXX XXXX  and XXXX  ) and to NISSAN MOTOR and notify them of their error posting for this account. The information they provided is different from other bureaus. The Date of Last Activity, Payment status, Payment History, High Credit, Date of Last Payment and Date Open are misleading and inaccurate. In addition, A charge-off should show a XXXX  balance. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.
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 rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

account # XXXX has been charged off with XXXX  XXXX XXXX, according to the IRS a charged off account is not considered debt it a profit loss for a creditor or financial institution and income for a consumer who can file a 1099 C as well. XXXX  XXXX XXXX filed a 1099 C but I the consumer didn't receive a copy of the 1099 C. furthermore a charge off should not be reported as debt on a consumer report because the IRS states that its considered income and income is not reported on a consumer report therefor a creditor or financial institution is committing fraud Furthermore Credit Control LLc is trying to collect on an account that has been charged off and deemed as income by the IRS and is considered income and they are also committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the  XXXX  credit Bureaus, (  XXXX ,  XXXX ,   XXXX    ) I  contac t Capitol one but they  could not trace any information. neither they would able to help me the issue please refer to credit report attach
Product: Debt collection

Ask for a validation letter in which they can not provide for 3 different bills they say I owe open date XXXX2017 one bill for XXXX $ another for XXXX $ an lastly XXXX $
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number Last XXXX XXXX, Consumer Date of Birth : XX/XX/, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX XXXX XXXX under the account number XXXX, XXXX  under the account number XXXXXXXX, XXXX under the account number XXXX, XXXX under the account number XXXX, XXXX under the account number XXXX, XXXX XXXXXXXX under the account number XXXX, XXXX under the account number XXXX , XXXX XXXXXXXX under the account number XXXX XXXX XXXX XXXXXXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Amsher Opened XX/XX/2020 {$620.00} Original creditor : XXXX XXXX XXXX. 
I JUST FIND OUT ABOUT THIS ACCOUNT IN my XXXX XXXX 
It appears as a accounts in collection, but i can find where this account come from. 
I thought XXXX XXXX, but its clear according to XXXX 
Pls help me find this account where it come from.
Product: Credit card

I was contacted by an unsolicited telemarketing phone call from a company called XXXX that promised me a very profitable at home online business. I paid them {$1600.00} and they said I was going to make between {$2000.00} - {$3000.00} a month. It seemed very good to turn it down that opportunity. They said they would train me on how to put products for sale on Ebay. They would help me to find drop shippers so I could sell, all they have done was send me some videos to watch. I had no 1 on 1 training like they said was ever done. I could barely get in touch with anyone from XXXX on the phone. Very little contact. And when I asked for my refund they stopped answering my calls. I did not make any profit out of this mess. I could n't find products to list on Ebay to make a profit. They did not provide the services that I purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my score dropped over 120 points end of XXXX and there was a delinquency reported from Wells Fargo on my car loan. Wells Fargo reported my car loan as closed, settled for less than owed and late. I reached out to Wells Fargo and disputed the issue with all three bureaus. XXXX, XXXX and XXXX confirmed that this info has been reported by the creditor. I filed a complaint with Wells Fargo. The case analyst who was handling my complaint promised me on XX/XX/XXXX a letter in the mail saying that the account was never late. Not delinquent and it is still open. I have been waiting for this letter to arrive in the mail. Unfortunately Wells Fargo has not been helpful, I just received the letter today and the letter is dated XX/XX/XXXX. The letter only say that the account was never late. No mention at all that this account has not been settled. Wells Fargo admitted that it was an error in their behalf, but they had taken no action to correct except sending again incomplete information. I just refused a letter from XXXX of my creditors who closed my line of credit because of this false delinquency. I have filed another complaint with Wells Fargo last week when I have not received the letter. Spoke with XXXX another analyst from the president office last week and he said the information has been corrected with the bureaus and there is nothing else he can do for me. 
This is unacceptable, Wells Fargo did report incorrect info to all three bureaus. XXXX confirmed that Wells Fargo only reported that XXXX payment has been made and now they removed the late payment to XXXX, still reporting the account as closed and settled for less than owed. This makes no sense. Wells Fargo has to request from XXXX to remove the remarks and the delinquency and report that my account is stil OPEN IN GOOD STANDING. I was very specific about what I asked and they still dont want do their part. I will escalate this and I will seek legal action. This has to be resolved asap.
Product: Debt collection

I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. 

15 USC 1692C states " If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a concerning issue I recently discovered. I received an email notification stating that my data was shared and my wallet was lost at a gas station. Upon further investigation and after pulling my credit report, I found unauthorized credit activity that suggests my identity may have been compromised. 
I am reaching out to seek your advice and assistance on how best to proceed in resolving this matter and protecting my personal information. Your expertise in handling such situations would be greatly appreciated. 
I look forward to your prompt response and guidance on the necessary steps to take to mitigate any potential risks associated with this incident. 
Thank you for your attention to this urgent matter.
Product: Checking or savings account

I am a customer of 5/3 Bank since 2008. I have 3 checking accounts with them.

During all the years, 5/3 has consistently paid the largest amount and left smaller ones unpaid in order to charge " non-sufficient funds fees ''. Then, they started charging service fees in the account " with the lowest amount of funds '' again, to charge non-sufficient funds fees. I contacted them early XXXX  regarding fees going from {$11.00} to {$29.00}. They told me they charge fees on fees.. I said then that I would pay what I owed by the end of XXXX. We agreed that I would pay and that it would be it. But, since that day, I have received phone calls from their XXXX offices, as early as XXXX XXXX in the morning, telling me about the fees. In the beginning, I answered and told them that we had made an agreement. But, that did not change the MANY DAILY CALLS FOR OVER 3 WEEKS from early in the morning until late at night. It has been constant harassment, telling me time and time again about the charges made, but never checking the payment arrangement we had already agreed upon.
Product: Mortgage

The account was in a lawsuit filed in XXXX, in XX/XX/XXXX we agreed to dismiss the lawsuit if the corrected the report. We agreed to make XXXX trial payments in the amount the requested by XX/XX/XXXX. We completed the payments but they went back and marked those payments for XXXX, XXXX and XXXX. Then reported us as delinquent for XXXX and XXXX. They have not updated our report since XX/XX/XXXX, which shows us 2 times past 30 days late. We made full on time payments in XXXX, XXXX and XXXX and the still have us listed as late. That caused our score to drop XXXX points. We are not late and that needs removed as with reporting the payments we made the last XXXX months.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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  and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX failed to investigate potential harmful inquiries and reports on my credit. XX/XX/year> resulting in inaccuracies to continue be included in my credit report.
Product: Debt collection

Original Debtor XXXX care Hospitalists XXXX XXXX XXXX XXXX XXXX NV XXXX Gave My Treat information along with XXXX XXXX XXXX, cost and dates of service to Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX which is a XXXX violations as collection agency can not have my medical records XXXX charged XXXX and the other XXXX which fraud
Product: Credit card or prepaid card

I bought a mattress using and XXXX card, XXXX said the payment method was declined and charged $ XXXX to that card. I had to provide a different credit card ( XXXX ) with XXXX to conplete my purchase. Ive been trying to contact XXXX to help me fix this issue and reimburse me the $ XXXX I already paid them but havent been able to talk to them or find a solution. I have the photos showing the card not getting charged. My next installment is coming and Im getting worried I wont have a answer nor solution before the payment date. Theres no way to contact customer support besides the chat feature but they do not reply. 
I have a second dispute open for an order of XXXX that got canceled and XXXX wont refund me the money back to my XXXX account. Its amazing how theres no one from XXXX you can talk to. Customer service is inefficient and not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX XXXX will not remove these accounts from my credit report. I disputed it several times, but they keep telling me its verified. I have no knowledge of these accounts and also they are over 7 years old and by the FCRA any account over 7 years old must come off the credit report except for bankrupcy which is 10 years.

US DEPT. OF EDUCATION Acct. # : XXXX Report Balance : {$9400.00} Date Opened : XX/XX/2012 US DEPT. OF EDUCATION Acct. # : XXXX Reported Balance : {$4300.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX  Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX
Product: Mortgage

My husband passed away XX/XX/XXXX. I contacted Wells Fargo Home Equity, XXXX mtg, to let them know and to please send all correspondence to a PO Box . ( I am NOT on the XXXX mortgage ) Our correspondence for this mortgage for the past 10 years had been going to his business and I had to shut down the business XX/XX/XXXX ( I explained this to Wells ). Wells refused to change the address to a PO Box and changed the address to our home address. I explained to them several times that our mail is on a busy street and we do not like any financial information to be left in that mail box for the reason we have had stolen mail - PRIVACY ISSUES. They, Wells Fargo Equity, refused to change the mailing from property address to PO Box , as I am not on the XXXX mortgage. I am on the XXXX mortgage that is with Wells Fargo Home Mortgage. I sent to Wells Fargo Equity the death certificate and deed showing that I am his wife, as they requested in order to do this. They still would not change the address and will not give me access to the account. I did not get any statements but one XX/XX/XXXX. XX/XX/XXXX I received a letter from XXXX XXXX that my property was going into foreclosure. I used the XX/XX/XXXX statement to figure out how to get this loan current and brought payment to Wells Fargo Bank on XXXX XXXX and they had to change the check into a cashiers check. I was told by Wells Fargo Bank that if I had not made payment by XXXX XXXX, the foreclosure proceeding would start. On XXXX XXXX I received a letter from Wells Fargo Equity, dated XXXX XXXX, that they were proceeding with foreclosure. Wells Fargo Equity indicated that they sent me by mail notification for loan modification. I have not received any information for a loan modification or foreclosure at the home address. My husband is deceased. I have not worked in three years. I have been working on closing business down and trying to get caught up. I do not qualify for anything, but can keep up with payments if they, Wells Fargo Equity, would send me payment information to my POBOX. My complaint is that they knew all this information and put me in a bad and very XXXX position. I have told them I am willing to try and continue to make payments and I have put the property up for sale. I need them to change the address to the PO Box and give me information regarding payments received/made. I am not trying to dodge payment, I am trying to make payments. I have given them documentation that has been requested for this to happen. Yet I am refused information on the loan to make payments. How is it that Wells Fargo Equity can say in a letter that they have sent me information, yet I did not get it? IF they are or have sent such information to home address, my privacy HAS BEEN VIOLATED.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

I was very polite and kind and nice. I wrote to XXXX Texas to provide Experian with a copy of my updated identification card, Unfortunately I received no response.