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

On XX/XX/XXXX XXXX  I submitted information to XXXX XXXXXXXX XXXX to apply for pre-approval of our mortgage application. They completed a hard pull of mine and my wife 's credit reports. Later that day, my wife and I both started receiving nonstop unsolicited spam phone calls and text messages from people claiming to be affiliated with mortgage lenders, offering us credit, or falsely stating that we had begun the loan application process with them and they wanted us to continue. Over the course of the next 48 hours we have each received at least 100 different phone calls and text messages ( mostly phone calls ), despite blocking each new phone number when they call and don't leave a message. 
When my wife answered the call from one of these people, they actually told her that they obtained her phone number and the fact that she had just applied for a mortgage loan from the credit reporting agencies. I believe this is an egregious breach of our confidentiality on the part of the credit reporting agencies. How can it possibly be lawful for these private entities to share our personal phone numbers and the fact that we applied for a mortgage with random solicitors, with whom we have no contact and have given no permission to access our credit files? I can only assume that the credit agencies are profiting off of this practice, and we want it to stop immediately.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. IT'S BEEN 30 DAYS SINCE I FILE THIS COMPLAINT. UP UNTIL NOW NO RESULTS FROM YOU. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT. 

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Vehicle loan or lease

XX/XX/22 vehicle purchased through XXXX repossessed by Bridgecrest. Car purchased XX/XX/22. 

Vehicle not repossessed for non payment but because paperwork incorrectly completed at the dealership. 

Drive time the seller of the vehicle states they called and sent notices. 

Bridgecrest the finance company acting as debt collector did not. 

Spoke with several representatives from both XXXX and Bridgecrest stating contradictory information. 

Bridgecrest stated contract invalid at sale but is trying to maintain rights, XXXX wont null and void the contract because they say it is proper. 

Tried to have Bridgecrest waive the reinstatement fee because it was a XXXX paperwork error. 

They refuse and even though payment offered on XX/XX/22, same day, third party repo company states they can not release vehicle within a day. 

These companies not only have unethical and possibly illegal and unclear business practices they have now also contributed to emotional stress and lost wages.
Product: Money transfer, virtual currency, or money service

So I did my taxes and either for errors on the code and then all my information linked out and my car 's got stolen and I need help with mortgage insurance Bank ranking
Product: Credit reporting, credit repair services, or other personal consumer reports

In early 2019, I submitted an application for a checking with XXXX XXXX account via my phone. Between having a poor Wi-Fi connection, and accidentally pressing the back button a few times, my application was submitted multiple times and my account was flagged. This was a good faith mistake but has prevented me from opening other accounts without difficult in-branch identity verification. Multiple requests have been sent to both the reporting agency, Early Warning Services, and to the bank. They have given me the runaround.
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 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, 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: Mortgage

PHH Mortgage refuses to do a loan Modification. My original loan was for XXXX. I paid my PHH mortgage for 20 years. 

My loan amount with PHH Mortgage was down to XXXX. My interest rate is XXXX interest. 

After I lost my job as a XXXX XXXX at XXXX. In XXXX  While I was at XXXX XXXX XXXX not only did I have XXXX. They determined that I have XXXX XXXX. 
I requested a loan Modification and I was over and over.
Product: Debt collection

GC Services Collection agency employee XXXX or XXXX XXXX contacted my employer and spoke to the receptionist about my debt and told her that if I do n't call back today, they will garnish my wages.
Product: Money transfer, virtual currency, or money service

I have done business with people involving my music and people sent money to me thru ach transfers and now they put a 888 hold on my account expecting fraud and I need to bring people in to confirm when I shouldnt have to do that the amounts of the transactions are less than XXXX. I dont understand why they wouldnt of contacted me the first time it happened in XXXX but I need my funds to be accessed to me
Product: Credit reporting or other personal consumer reports

Hi, XXXX on XX/XX/XXXX, I got credit report alerts stating there were XXXX hard inquiries and XXXX new credit card application linked to my credit report. However, I NEVER initiated any of these. I am very scared about a possible identity theft. I am detailing the companies below : XXXX. New application Source : Experian Alert Date : XX/XX/year> Event Date : XXXX Name : XXXX XXXX XXXX. New inquiry Source : Experian Alert Date : XX/XX/year> Inquiry Date : XXXX Name : XXXX XXXX XXXX New inquiry Source : Experian Alert Date : XX/XX/year> Inquiry Date : XXXX Name : XXXX XXXX. Source : Experian Alert Date : XX/XX/year> Inquiry Date : XXXX Name : XXXX XXXX XXXX XXXX Please help me out and immediately close accounts if any credit cards or anything issued to above. Also please let me know how to address this identity theft. Thank you
Product: Debt collection

I received a fraudulent debt collection notice from Columbia Debt Recovery XXXX, dba Genesis on XX/XX/XXXX via email. 

This is for a rental property I stayed in over a year ago in XXXX XXXX. I have written confirmation that all payments were made before I left the rental property and moved to XXXX. 

The amount the building management wanted me to pay {$4000.00}. We paid that amount fully as follows and are attaching proof of payment for the same : XXXX ( me ) : {$1900.00} - paid on XX/XX/XXXX XXXX ( roommate ) : {$2000.00} - paid on XX/XX/XXXX When I searched on XXXX for this company, I saw a ton of reviews saying that XXXX ( the landlord ) and Genesis work in cahoots to scam innocent people like me. I think this is a broader collusion and there needs to be an investigation. 

I can provide all relevant evidence, please email me and I will be happy to help. 

I am most concerned of the impact on my credit score and want to block them for reporting it. 

Thanks, XXXX
Product: Credit reporting

I joined an all women 's gym. They closed the location moved it to a farther location and made it a coed gym. Did not want a coed gym that 's why i joined. I disputed and closed my account. And now i see it on my credit report.
Product: Debt collection

I don't recall having a contractual relationship with this collection company CREDIT COLLECTIONS SERVICES , INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I applied for the XXXX  card with Capital One Bank, they approved my card but told me that my credit score was XXXX, I checked my credit report at XXXX as they suggested and it shows my credit score is XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. Capital One Bank told me that my APR would be 23.99 % because of the XXXX credit score they made up instead of 13 they advertised for people with excellent credit score. I believe that Capital One lied about my credit score just to give me a higher rate on my credit card. I called them to try to resolve this issue after I received my actual credit report but they said that they were not able to lower my rate. After I told them that I would like to close my account they told me that I would never be able to open an account with them again. All of their customer service reps were polite and professional at all times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The accounts date of last activity was in 2014, well over the time allowed to report a negative item. This account needs to be completely removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting is seriously harming my credit. I have contacted the bureaus multiple times to remove these accounts however, I have not been successful.
Product: Checking or savings account

Chime bank - I had over {$5000.00} dollars in unauthorized fraudulent charges on my account when I called to dispute it was immediately denied as soon as I hung up, I called back they said they needed more information I sent them the info that I had and was given the run around and told by a second agent to appeal to denial can take 45 days How? when the investigation was supposed to take 7-10 days but was immediately denied with no investigation done I called again Another agent told me my claim was reopened and it would take 3 - 90 days I was told by a 4th agent that it was a human mistake and the former agent erroneously filed my dispute causing it to be denied that they had recategorized it and That Id receive more information in 10 business days This is insane and completely unprofessional for a bank that claims your money is FDIC insured up to {$250000.00} This is very upsetting that I was charged all this money and cant get it back because of an error on their behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submtted written requests with all XXXX  credit bureaus regarding two addresses I have never lived at. There was never any update and when I spoke to the representatives, they all said that they can no longer investigate and or remove
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX  XXXX Balance Owed : {$940.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$5400.00} This is my follow-up complaint to ensure the removal of the aforementioned accounts
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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: Student loan

In 2014 I went to Wells Fargo at XXXX XXXX XXXX XXXX in XXXX, Texas with my mother to get a small student loan to cover the gap between my scholarship and my government aid. During the Loan application process the Wells Fargo associate told my mother and I that my loan would not accrue interest while I was in school, much like the federal subsidized loan I had just taken out. My mother has also confirmed that this associate explicitly told me that the contract I was signing meant that my loan would not accrue interest while I was in school. I was XXXX years old so I did not understand the terminology and signed the papers at the assurance of the associate. 

Five years later, I am looking at my Wells Fargo documents to check where I am with my loans in total, so I can anticipate the amount I need to payback upon graduation from law school. I notice that I have accrued almost double the amount of the loan in interest since it was signed in XXXX ( at an interest rate of almost 12 %, which absolutely should have been lowered as my credit score raised ) The Wells Fargo App only ever shows the principle interest and I had been led to believe that it was not accruing interest by the Wells Fargo associate so it was something I pushed to the back of my mind. There was no reason for me to believe that the loan was accruing interest between what the associate had assured me off as well as the principle balance being the only balance reflected on the Wells Fargo portal. 

I contacted Wells Fargo and they set me up with a customer service representative, Ms. XXXX XXXX at XXXX extension XXXX and she did nothing to help my situation. She reported back to me that the manager at the bank had " no records '' of my student loan which is incredibly suspicious seeing as how Wells Fargo has had a problem as of the last few years of predatory loan practices. I told her that I was misled and lied to but she insisted it was my fault and I was informed because I signed the documents, again, I was XXXX years old and didn't know what 'interest ' really even meant. So I believed whatever the Wells Fargo Associate told me. 

I am not a XXXX  person ... I have a credit score of over 750 and I am in law school -- what Wells Fargo did to me is wrong and I am worried for all of the other XXXX year olds out there who are being misled and LIED to by Wells Fargo in order to get them to sign loans and pile on the interest payments. 

Wells Fargo has told me there is 'nothing they can do about my situation ' but I know that that is also a lie. They are engaging in predatory behavior toward young and uninformed borrowers, and when I asked them to find out why this person misled me they returned with " we have no records. '' I am very concerned about these predatory loan tactics and I am looking forward to hearing from you. 

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

Sent letter on XX/XX/XXXX to XXXX XXXX  re : account closed on XX/XX/XXXX. This was due to the last XXXX XXXX crash., Date of first delinquency by me was XX/XX/XXXX, which is over 6 years. In my XX/XX/XXXX letter, I asked them to remove their negative comments, They continue to report that my % of delinquencies are too high. This is my ONLY one. I have one with them only for {$840.00} which is 6.25 years. My request & removal of comments were denied. Their actions resulted in an XXXX score that is XXXX points below the other two agencies.. 

I have held a XXXX with XXXX XXXX since XXXX. They claim my card is only XXXX XXXX XXXX. They continue to report that I have too high credit usage, my usage is currently 17 % of their card ( my only credit account ) .I have asked by phone repeatedly to correct since XXXX. The last date of my earliest delinquency is XX/XX/XXXX, m which is 7 years old. They continue to report both of 2 negative comments : Too high credit usage, which is now 17 % of my only card, XXXX XXXX. Also too many serious delinquencies, I have only one ( XXXX ) which is now 6.25 years old. 

Both of these actions have resulted in my denial of a reasonable car loan, based on the negative comments. I am asking that you remove these comments immediately from all 3 credit agencies.
Product: Checking or savings account

I deposited a check taken out of my retirement plan and they will not release the hold. It puts me having XXXX money for the next week to take care of my kids. There is no reason this should be held.
Product: Credit card

In XXXX of XXXX  I purched vitamins from an online advertisement. The company must have saved my card information and then billed me again XX/XX/2023. I returned the product to the business via XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. They gave me an XXXXXXXX XXXX XXXXXXXX to confirm receipt of returned merchandise. After getting everything back unopened and untouched they refused to refund my card. I disputed this with Discover card but they say they can not credit me because I must have given out my card number when I made an initial purchase in XX/XX/2023. I advised them that I never authorized multiple charges and it was a XXXX time purchase. Still this goes nowhere because they will not let me log in my account and send documents supporting myself and will not accept evidence any other way.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries on my consumer report as a result of identity theft. According to the fair credit reporting act these inquiries must be blocked and removed immediately! These inquiries are as follow : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I have not received NFCU client/member payment as stipulated by CFPB Consent Order ( XXXX XXXX ). 
Has NFCU filed a successful appeal to the CFPB Consent Order ( XXXX ) XX/XX/XXXX decision. 
I experienced 99.9 % of the negative actions you penalized NFCU for. 
My name is surely on the list of NFCU victims, additionally NFCU and I both have submitted documentation that comports my NFCU membership before, during and after the ( XXXX ) criminal period. 
Their NFCU spokeswomans written prevarication to CFPB denies your allegations that they havent attacked me in said manner, but please be advised that my NFCU account is still frozen and they are still promulgating fraudulent writs about my account in their corporate records. 
Any pecuniary deposits that come in to accounts in my name, they immediately confiscate those funds and purport to be blameless. 
I am requesting that you enforce your NFCU Consent Order and force them to pay me my portion of the payout as they were ordered to do. 
/r/ XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.