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

On XX/XX/2021 my previously defaulted federal student loans were rehabilitated. The XXXX XXXX XXXX on behalf of the US Department of Education ordered the 4 credit bureaus remove the record of default my credit report. XXXX XXXX XXXX confirmed to my by phone on XX/XX/2021 that the bureaus had been contacted and emailed me a copy of the default clearance letter sent to the credit agencies. 

On XX/XX/2021 I submitted a dispute to Transunion for an unrelated-paid medical collections. I wanted this account removed because Transunion claims they dont factor paid collections into their XXXX model but it was still being factored in. On XX/XX/2021 I noticed that Transunion had deleted all previously defaulted loan accounts except for one so I called and asked them to submit a dispute so that XXXX could fix it ( which XXXX had confirmed through previous correspondence they were willing to do ). Unbeknownst to me because its not listed in writing anywhere that I could find on XXXX website, nor was it relayed by the agent that submitted my dispute over the phone, that the unrelated dispute for the paid medical collection would be grouped together with any, and all disputes submitted and that my credit report would not be updated until after ALL disputes were completed. 

This is incredibly frustrating for several reasons, not least of which is the fact that I have confirmed with XXXX that the information has been submitted to Transunion more than once. Not only that but also that to date Transunion is the only credit bureau thats still reporting my student loans as defaulted. XXXX and XXXX have both updated my reports and scores. 

The dispute process is supposed to be transparent. I read through all reference materials that could be found regarding Transunions dispute resolution process online and spoke with several different agents including a supervisor and not until today was it disclosed that they will not update my report until ; the dispute with medical companys collections department is resolved, or I cancel and and all disputes, whether related to the single remaining loan account or not. This is completely unethical. 

I dont believe the FCRA allows for Transunion to intentionally report inaccurate information about federal student loans because theyre waiting for an answer from some person at a doctors billing office. I also dont believe its ethical for them to attempt to leverage the negative impact this inaccurate information is having in me financially in order to get me to cancel the dispute against the medical clinic. A dispute which I only submitted because the paid medical bill was still being factored into my XXXX ; which is a direct contradiction to information listed on Transunions website regarding that specific scoring model. 

I have worked extremely hard for the last 3+ years paying off bad debt while simultaneously keeping new accounts blemish-free. I have no outstanding bad debts remaining and my credit report should reflect the effort and discipline Ive demonstrated in that time.
Product: Debt collection

This complaint stems from a previous CFPB complaint filed on XX/XX/XXXX ( # XXXX ). Wakefield and Associates previously returned these accounts to their client after not verifying the debt and sending the alleged debts to credit reporting agencies. Now, Wakefield and Associates is attempting to recollect on these same debts, as well as other alleged debts that have been disputed with their client. The following are the dates, times, and employees ( when applicable ) I've spoken with over the course of the past XXXX years trying to resolve these alleged debts : 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 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 I have been told repeated by both XXXX billing and their local office administrator that this is being investigated and they'll get back to me. Each time, no further communication is had unless I call to inquire about the status. I am asking that Wakefield & Associates either verify this debt and provide the supporting documentation that was requested in a demand letter sent to them, dated XX/XX/XXXX, or they drop and return these charges indefinitely. 

Their continued attempt to collect on debts that were previously unverified and returned is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report, which I recently obtained and reviewed. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies ( CRAs ) maintain accurate information in credit reports. However, I have found that there are several inaccuracies in my report that are in violation of the FCRA. 

Firstly, the following personal information is incorrect and belongs to someone else : Account Number : Former : XXXX XXXX XXXX Account Number : Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX Under the FCRA, CRAs are required to investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I request that you delete this inaccurate personal information from my credit report as soon as possible. 

Additionally, there is an unknown account listed on my credit report : Account Number : XXXX XXXX XXXX XXXX XXXX I have never had any business relationship with this company, and therefore this account does not belong to me. Under the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I kindly request that you remove this unknown account from my credit report immediately. 

I understand the importance of maintaining accurate information on my credit report, and I urge you to comply with the FCRA by conducting a thorough investigation and correcting any inaccuracies in my credit report. 

Thank you for your time and attention to this matter. 

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

Dear Experian in reviewing my credit report from Experian, I found unauthorized account. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following accounts are unauthorized : 1. XXXX XXXX XXXX account number XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( 1 ) promptly delete
Product: Checking or savings account

I was charged for a product I returned - XXXX I was charged extra hours for a mechanical job- XXXX, XXXX XXXX. 
My car was towed illegally even though my registration was paid. - XXXX XXXX XXXX XXXX, XXXX XXXX Bank Of America- Random atm charge and extra items reported to fraud. 
XXXX Never received item yet was charged for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i contacted USAA to update my payment history. USAA is reporting inaccurate and incomplete credit information. The credit report from all three bureaus show a history of payment or payments being made late that are not proven and are incorrect. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By USAA reporting inaccurate information without my written consent first, they are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; Pursuant to all the facts I stated above, Ive forwarded written instructions as to what I, a consumer in fact, want removed from the my credit report as well as an updated payment history. I am demanding Deletion of inaccurate late payment history from all consumer reports and a Change of all payment history to paid as agreed or on-time I also DO NOT authorize any automated response or e- Oscar verification method.
Product: Debt collection

My daughter has made 2 payments to this company after we settled on an amount.The first payment was for {$150.00} and the second amount was for {$1000.00} in XX/XX/2018. She paid the {$1000.00} so they would stop calling me and upsetting me. The account is under my name but it was for some tires that I took out for my daughter but she fell behind on the payments when she lost her job. I asked repeatedly for them to stop calling me as I am in poor health and they would upset me every time they would call saying that I was going to get sued if I did not pay them. I gave them my daughters phone number so they could talk to her and that is when she gave the payments. I recently refinanced my home but not to get money from it, I did not take out a single penny. I refinanced to lower my mortgage payment and to lower my interest. Somehow they found out about it and thought I had money so they called pretending to be XXXX  XXXX XXXX. I gave them my social security number thinking it was XXXX  XXXX XXXX and I got scared when they told me I owned money and I needed to pay it. I knew it wasn't the bank when the man calling started getting mad and using foul language with me. They pretended to be XXXX XXXX XXXX, and I got really scared because I thought they were going to reverse or take away my re-finance.
Product: Credit card

this is my CONDITIONAL ACCEPTANCE. 

On XX/XX/2023 I received an email stating my account had been closed by SELF/ LEAD BANK. I called the company on XX/XX/2023 to let them know I would need my cash/federal notes returned to me that I applied to the accounts before I understood how to make my payments correctly to my account. I was told by " XXXX '' a representative for the company, that they would not be doing that. So, I conditionally accept you closing my account if you can prove the following claims : 1.The account number I gave you did not discharge the debt on the day of payment 2.there is lawful money per the Constitution 3.Making Principal pay wit debt notes does not force principal to commit a tort. 

You have 10 days from receipt of this conditional acceptance to prove these claims or you will be in default and this will become a security that will create a lien for XXXX XXXX dollars or until you reverse the closing of the account and return to me my federal notes. 

without ill will or vexation XXXX XXXX XXXX, secured party for the XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo is charging nusisance fees on my interest free card marketed as a balance transfer card. I am still within the zero interest period. BTW the bank places the onus on me to recall what the period is and DO NOT issue timely reminders. Oh " great '' customer service, right? 

They refuse to reverse the current fee. This from an institution that has been assessed serious penalty for phantom accounts. Now they are trying phantom transactions under the noses of customers who like myself have been with them for over 20 years when they were Wachovia. 

The agreement is " interest free '' I only pay the balance and DO NOT incur any transaction fees since I DO NOT and HAVE NOT made any purchases that would incur an interest charge. 

On its face this is a violation of state and federal banking regulations and please tell other consumers by way of this complaint to watch out.
Product: Mortgage

I made a payment on XX/XX/2019 for my XXXX monthly payment in the amount of {$720.00}. The company has changed their online system and the system submitted 2 payments instead of one in the amount of {$1500.00}. I called Suntrust to make sure they didn't run a double payment and they said they couldn't cancel the payment as it was already in processing. When they tried to withdraw the double payment from my bank, the payment wouldn't go through because of the double payment. I reported this to Suntrust to get them to fix but she said it would keep running the double payment. I called Suntrust on XX/XX/XXXX to fix again and they were then able to run just the single payment for {$720.00}, but at that point, my payment was considered late even though I made the online payment on time. This error on their end has reported to my credit report as a late payment.
Product: Mortgage

In XX/XX/XXXX, we received a letter from TD Bank saying they no longer offer our existing HELOC. We 've had this loan about 9 years, originating with XXXX Bank. In speaking with a rep, XXXX, we decided to apply for theirs. We increased the LOC from $ XXXX to $ XXXX, which XXXX said would make the rate prime -.25 % and all fees to be waived. They also offered us {$500.00} upon settlement. We got a call to fax many documents, which we did on XXXX. Several weeks later we called the processor, XXXX, and was told she needed a doc that had been faxed, and we refaxed it that day, XXXX. She had the rate of XXXX on her paperwork, which is prime + .5 %. We called XXXX and she never returned our call. A week later we called and spoke with XXXX, XXXX 's boss. He contacted XXXX XXXX, XXXX 's boss, who also never called us. On XXXX, we called and finally spoke with XXXX. He assured us we had the quoted rate, and he needed another doc from our pension. He was going to call them and get back to us XXXX. He never called us with requested info, so we called the local branch manager, XXXX, who was going to get back to him. Still nothing a week later. We spoke with a XXXX or XXXX level manager and were assigned a new processor. XXXX. She needed many of the original docs again. In asking about the rate, she also quoted XXXX. The last we heard from her was XXXX when we requested the proper rate in writing and the president 's name and contact info. The next day she emailed us a number for a chairman. We called there on XXXX and still have received no call back. We 're not faxing any more paperwork without the quoted rate in writing and we told XXXX this. She was going to have her boss request the tape from XXXX when we had spoken with XXXX XXXX, to prove he agreed to the rate. We 're not sure what all is going on, but we 've been given the runaround. We 've lost sleep, many hours, and have been thoroughly aggravated by this whole thing. We have a HELOC with them, I 've lived in this house since XX/XX/XXXX, we have excellent credit, live on a small pension and soc sec. Perhaps this is elder and XXXX discrimination. It definitely has been harassment. We 've never had any paperwork nor met with anyone. This has all been done over the phone. This is the gist of it, but we will be glad to provide a chronological list of dates and people with whom we 've spoken. Our application number has been on file since XXXX. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Credit card or prepaid card

In XX/XX/2020 at a XXXX XXXX XXXX XXXX my card was declined I had to leave groceries at checkout. I went to my Bank of America EDD Debt Card App only to discover that my bank account was emptied the total of {$980.00} was taken out at an ATM in XXXX California and I have never been there I immediately called the Bank of America EDD debit card number and filed and reported the theft okay and I have since then had to file four more complaints and I still keep getting the results of the bank telling me it was fraud on my account detective XXXX from the XXXX police department has recovered the video at the ATM from the bank in XXXX California and has on the video the suspect and using the ATM the police report is filed the detective has the video and has shared it with agencies here with all of this information I still have no results from the Bank of America EDD debit card people and I have four claims that say it was my fault they are absolutely doing nothing to help me it is criminal at this point they're negligence please help
Product: Debt collection

I first sent a certified letter to XXXX on XX/XX/XXXX and I received no response. The second letter was sent on XX/XX/XXXX which instructed me to contact Transworld because they owed the debt. I have requested validation of the debt and have yet to receive any document that the debt is mine. I contacted Transworld in XX/XX/XXXX and advised them that the debt was not mine. The letter I sent included the following : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Product: Money transfer, virtual currency, or money service

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX  which solicited me to invest a substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial brokers. Some transfers were made through my wallet hosted by www.coinbase.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX Based upon the understanding that www.coinbase.com is acting compliant and will provide due care towards its wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for the provision of information to Coinbase. Unfortunately, Coinbase provided a formal response to our justified request, failing to provide the requested information about the VASPs hosting the beneficiary wallets. In my opinion, such behavior from www.coinbase.com represents a clear example of the mistreatment of my consumer rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report over 30 days. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back In XXXXXXXX XXXX XXXX  I was a victim of identity theft, someone hacked my phone and got into all of my accounts including my banking and personal information. I was admitted to the hospital & been back and forth over the past couple years dealing with XXXX XXXX XXXX  with multiple hospital stays. Upon checking my credit score within the past month, I began to notice unfamiliar activity or my accounts & reports. Most of the reported dates when the accounts were open were all either on days I was in the hospital or on days when I had XXXX. I have on several occasions tried to work on resolving these issues with banks and the furnishers of the accounts but those efforts have been unsuccessful. This is my 3rd attempt with trying to get assistance. I am a victim of fraud and also a XXXX veteran who suffers from XXXX and I believe these companies are taking advantage of me and are only coming after me. I am sorry I do not have a name of the person who stole my information from my phone but I ensure you that I had no knowledge of who would do this nor was it any one in my household. Every time I have tried to work with one of the companies they send back a report just verifying the account was in my name and used my information. Each time I explained to them what happened they tell me how it is me who opened the account as if they seen me personally or I had given them a copy of social or birth certificate. I am asking as a request please help this veteran get his life back following fraud and stop this companies from taking advantage of citizens being greedy looking for money.
Product: Credit card or prepaid card

I made a purchase online for {$710.00} on XX/XX/2019. The purchase was made to an individual through XXXX and Chase banking apps. Before the transaction went through I realized the individual was a fraud and called my bank to cancel the still pending transaction. XXXX stated they could not do anything but Chase could reverse the pending payment. I contacted Chase whom refused to do anything at all and would not allow me to make a dispute claim either. I contacted the individual and asked for a refund and they deleted their account and disappeared. I was able to find their true identity and they made all of their social media private therefore I can not contact them. I have since repeatedly securely messaged Chase bank regarding the issue with proof of the fraudulent transaction through the messages during the transaction. I have not received a response.