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

There is a real issues with the credit reporting agencies that is hurting us the hard working people of America. My credit score was Very good XXXX to be exact. I am underfinanced always pay my bills on time. I apply for a new car and the inquiry dropped my credit score?? This is total unfair policy and someone needs to prevent these credit agencies from hurting our credit for just simple inquires so we can get a loan. By hurting the credit rating, anything we borrow will be higher interest rate now becaue my rating is lower. 
How on earth does it make sense to lower my credit rating for an inquiry to borrow money? Even with borrowing the money, I am still underborrowing based on my capacity. The people of America dont understand this yet they are forced to pay higher interest rates because they are at the mercy of the unfounded rulings of credit companies like Experian. Does anyone regulate them? Force them to not hurt credit ratings for anything other than lack of payment or not timely? They are holding us XXXX, asking us to continually upgarde the reporting service, tie our checking accounts to them, asking for unnecessary banking data and if allowed boosts the score? There is something very wroing with this as I a hard working person always pays my bills on time gets a lower credit score for having inquiries that are necessary for me to get a loan to buy a car. Inquiries should never do anything to lower your credit limit. Is there anything that can be done about this unfair advantage they are gaining over us?
Product: Checking or savings account

I asked why I can not access my funds they said they thought there was a duplicate transaction and said that they are investigating and my entire paycheck is locked in their bank until theyre done and I can not pay bills until theyre done and they said they dont care and continued to say that I can not access my funds and I asked a yes or no question can I access my funds and they tried to give me a XXXX  answer and lie about it and make it seem like its my fault
Product: Checking or savings account

Ive had an account with chime since XXXX they are discriminating me. I had direct deposit for XXXX an a half years my spot me never rosed from {$20.00}. Plus theyve been taken my funds from savings without permission to transfer in ethier checking or under there credit acccount. This been taken my direct deposit putting in there credit account without my concent, once in XX/XX/XXXX I caught on to there wrong doings. I assure you the day I spoke to them about they credit account had glitches they switch policy of how they deal with the credit accounts which made it to where they front you money wen you dont have it like a credit line which was a lie. They take money from ur direct deposit and cover the cost u spend out your own money the month XXXX current month that wasnt fair at all. Now I cant read or dispute anything because my account cant read any of my transactions which leads every dispute denied. They only owe me {$900.00} thats it.
Product: Debt collection

SOMETIME AROUND XXXX, 2014 AN ACCOUNT FROM SYNCB/XXXX WAS OPENED. I DONT KNOW THE AMOUNT BECAUSE I WAS A VICTIM OF IDENTITY THEFT.
Product: Money transfer, virtual currency, or money service

I contacted Chime support on XX/XX/2020 after a random transfer from my account to some random persons account cleared my entire account out. I was told to fill out the dispute form and return. Now Im unable to contact them. Ive called several times today only to get hung up on repeatedly when asking for my money to be refunded back
Product: Credit reporting or other personal consumer reports

never late all payments was paid on time and all accounts are paid in full and company keeps reporting late payments and its dont looks good on my report please remove n
Product: Credit card or prepaid card

Round about XX/XX/XXXX/XX/XX/XXXX I noticed that my Synchrony Bank / Amazon credit card statement was too high and upon inspection noticed I had late fees and interest incurred for a balance that should not have existed. My credit limit set by Amazon is {$100.00}. So I rarely use the card except for small items. The balance was {$130.00}, above my spend limit. I call Synchrony to complain and inquire. What we discovered was that Amazon PRIME had been auto billing me for an account that I did not sign up for. I complained to Synchrony at this time that these were unauthorized. Their response to me was I had to take it up with PRIME. They could not address these. That is confusing as they allowed the charges and should be protecting my account for me. Nonetheless I demanded the account be closed or frozen until I could get the charges resolved. I made attempts to contact PRIME over a 3 month period before they responded to me. During that time Synchrony continued to add late fees and charges to my account while I was disputing the very same charges causing those fees and interest. In month 4 or 5 Prime cancelled the membership and reversed only 3 months of fees. I have had similar issues with other credit cards where the bank assisted in the recovery. I was in this alone. Around XX/XX/XXXX in several calls with Synchrony I was disputing the balance which was now in excess of {$230.00}. That it was all fees and interest created by the fraudulent PRIME membership fees. I demanded a manager to look at th eaccount and listen to the calls where I demanded the account frozen or closed. I even agreed to pay the original balance after the PRIME charges were corrected to close it. They denied the offer and would not comply. I received a {$1.00} refund from Synchrony which was an insult. They continued to call daily during XXXX, XXXX and into XX/XX/XXXX. I take 1 call every 2 weeks and ask the agent to please listen to the call logs and have a manager address the request back in XXXX/XXXX to freeze or close the account because of the fraudulent PRIME charges. They will not comply. They have now jacked the credit card account with the {$100.00} limit to over {$320.00} in fees and charges from the original balance that was complained about. I continue to offer settlement for he original balance after I resolved the PRIME issue and hey refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update or correct of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off to all 3 credit bureau XX/XX/2022. 

Here is my tracking numbers # XXXX # XXXX # XXXX. 

To remove personal information that I dont not want on my credit report. 

According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Product: Mortgage

DUE TO COVID, WE ARE NOT ABLE TO MAKE OUR PAYMENTS OR SETTLE WITH SLS, as we have previously tried to. BUT NOW THEY THREATEN US WITH FORECLOSURE.

When the economy and real estate market crashed in XXXX, we lost our jobs and savings and investments.

After 5 years of continuous fight, we got a modification on the first. We could not afford any payment on the SECOND ( equity line ) and beg for forgiveness from XXXX XXXX XXXX, but we were informed that they no longer service this loan. Apparently, they sold it to Specialized Loan servicing ( after getting the bailout money from the government ). 
For 12 years I have tried to communicate with SLS to get an affordable payment plan or forgiveness or a reasonable settlement. But their DEMANDS were beyond my capability. NOW they doubled the original principal loan balance. 
SLS customer resolution, Miss XXXX is the appointed agent for my second mortgage. 
Since XXXX my health deteriorates tremendously due to stress. I have developed a severe health condition call XXXX, due to intense stress trying to get modifications with the first and second for the past 12 years. Now, every time Miss XXXX calls me, my XXXX rate goes up to XXXX to XXXX bpm as she speaks to in a very unprofessional manner, she threatens and harasses me continuously. I repeatedly ask to talk to her manager, Mr XXXX, but she says, he Is not available to speak at the moment but will leave him a message. BUT HE NEVER CALLS ME Whenever I called in, I spoke to whoever answers the phone. I have spoken to Mr. XXXX and Miss XXXX who were very professional and treated me fairly. But Miss XXXX continues to call me and leave messages for me to call her, even after repeatedly in previously recorded conversations, asked her to not call me and requested all corresponding in writing, due to my health conditions. But I believe these recorded conversations are edited by their company or was never recorded. 
On XX/XX/XXXX, I called and spoke to one agent about the settlement ; she said that they refused my offer and that they will only accept XXXX. This was beyond my capability and I would like to apply for a modification after the expiration of the settlement. 
XX/XX/XXXX I called to get an update status and to request a loan modification, unfortunately, XXXX answered the phone, and again she started to THREATEN AND harass me. ( She says to me, you have not made any payments in 12 years and we are going to foreclose on your house. There is already foreclosure on the account ; I said that I  was told I can apply for a modification. ( She says that my loan is not qualified for any modification. The only option is to pay the balance or foreclosure ), as she refused to acknowledge THE HOLD ON ALL FORECLOSURES IN CALIFORNIA AND MISS XXXX CONTINUES TO THREATEN ME WITH HER HARRASSING PHONE CALLS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This my last and final warning before I pursue legal action against you. 

Dear Sir/Madam, I am writing to formally request the urgent removal of unauthorized inquiries from my credit report, maintained by Equifax, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and following an unfortunate incident of identity theft that I have recently experienced. I discovered multiple credit inquiries on my report that I did not authorize. These inquiries are adversely affecting my credit score and may potentially have broader implications on my financial health. Under 15 U.S.C. 1681c-2 of the FCRA, which relates to identity theft, I am entitled to an expedited process in resolving issues stemming from such criminal activities. Attached to this letter, you will find a copy of the Identity Theft Report filed with the FTC, which details the nature of the theft and supports my claim of these inquiries being fraudulent. Given the clear evidence of identity theft and in accordance with the FCRA guidelines that mandate the removal of any information related to fraud from a consumer 's credit report, I respectfully request that Equifax address this matter with the urgency it warrants. Specifically, I seek the removal of the unauthorized inquiries within five ( 5 ) business days from the date of this request, to prevent further damage to my credit and personal finances. This is my fourth attempt to resolve this matter. I spoke with an Equifax representative on Friday XX/XX/XXXX XXXX, and while most inquiries were removed, some were mistakenly left on my report. Equifax needs to work diligently to get this fully resolved. Despite the FTC report being valid, Equifax has claimed it to be invalid. This matter is now being forwarded to XXXX, and I request that you monitor this situation closely for any negligence towards my request. Please find below the details of the unauthorized inquiries for your reference in the ftc report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1600.00} Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Debt collection

I am filing to dispute all inaccuracies off my credit report with Experian.
Product: Mortgage

In the early XX/XX/XXXXs I had a checking account with Wells Fargo Bank. That account was closed in XX/XX/XXXX or earlier. From XX/XX/XXXX to XX/XX/XXXX I had no business relationship with Wells Fargo Bank.

In XX/XX/XXXX I refinanced my mortgage and the refinanced mortgage was sold to Wells Fargo. When attempting to retrieve tax forms online in early XX/XX/XXXX I was unable to verify my phone number. Upon deeper inspection I found my account 's permanent address and phone number listed was that of my college apartment that I moved out of in XX/XX/XXXX. It was not the address and phone number associated with my newly refinanced mortgage. I attempted to call Wells Fargo to address this and was told that there is a verbal password on my account. I never set a verbal password on my mortgage account. 

I spent numerous hours on the phone with Wells Fargo fighting about this password. I do not remember was this password is but my only guess is that it is related to the checking account that was closed 15 years ago. After being hung up on numerous times for not knowing this password I eventually reached XXXX XXXX at the executive office ( XXXX ). XXXX stated that I need to complete a notarized " Customer Level Password Removal Request '' form to get the password removed. This is because there are no Wells Fargo branches in the State of Michigan or within hundreds of miles from my location. 

Per XXXX XXXX 's direction I found a local notary public, completed the password removal form, and sent it back to Wells Fargo. A month later I get a letter back from Wells Fargo stating that they can not remove the password on my account because there is no password. When I attempt to call Wells Fargo back on this they continue to state that there is a password on my account and refuse to help me because they can't validate my account. They tell me the only options to fix this are to visit a Wells Fargo branch ( none exist ) or complete the password removal request form which I previously did and was rejected. 

I am unfortunately placed in a position where I am unable to fully manage my mortgage account and fearful that if I do experience any other issues with my account I will be unable to address them because Wells Fargo refuses to assist me or remove the password from my account. 

Upon request I can provide the mortgage account number and a case ID number from XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing this claim again Zelle, a service integrated with my XXXX XXXX  accounts, for fraud and the dissemination of misleading information regarding the security of their platform. As a XXXX account holder, I relied on Zelle 's assurances of secure transactions and fraud protection. However, I became a victim of fraudulent activity when funds were transferred to my account via Zelle without my authorization or consent. 

Zelle, mispresents its security measures to users, creating a false sense of safety. Furthermore, Zelle 's terms and conditions, as well as its lack of fraud protection for unauthorized transactions, were not transparently communicated during on onboarding or in its usage guidelines. These omissions directly contributed to the financial loss I suffered.
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Credence Resource Management for what they are stating is a XXXX account. I am disputing the validity of this collection and the reporting of it because I do not recognize the debt. I have no recollection of ever having the account. In addition, I have not received a call, text, or email which has furthered my suspicion of how this debt made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to allow a fraudulent accounts to report on my credit report damaging my credit worthiness to and ability to obtain any future credit from lenders. Ive obtained legal counsel to begin the process to file a legal suit against Experian. Sent Experian copies of a contract with my signature forged. Ive sent Experian ftc and police report. Ive sent sent Experian identity theft claim Ive set Experian deleteion from other credit bureaus. 
Experian is refusing to block and knowingly allowing companies to falsley report. Ive attached again copies of everything I sent to Experian to get this matter delete expeditiously!
Product: Credit reporting or other personal consumer reports

I have been under the impression that the credit card company reported me delinquent in XXXX of 2023, but after reviewing all three reports, I have discovered that this is just an error on Equifax 's end. 

I have called several times and filed two disputes, but they will not fix this issue, and now I can not close my home. Now they just hang up on me and refuse to help and fix this issue even, though I do not know what to do, and I have to close in a few weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened the account XX/XX/XXXX. They started reporting my account late or missing payments around XX/XX/XXXX. I have never been XX/XX/XXXX days late on this account. Payments are due on the XXXX of each month with a 10 day grace period. I have been reported to credit bureau 17 times as late or missing payments. I have my bank statements back to XXXX and each and every payment has been made and accounted for. On XX/XX/XXXX I went to a car dealership to get me another car. Once they pulled my credit report, I was told that my payment history on my existing car loan was horrible. I immediately called XXXX  to inquire about when has my account been XX/XX/XXXX late and the answers that I received were all over the place. Every time I would correct her on something she would come up with something else. She eventually told me that I owed {$74.00} in late fees and that if I paid that then my account would be marked current. I continued to question her on the dates that my account was at least 30 days late and she went back to XX/XX/XXXX. She stayed that I didn't make the payment. When I gave her the date that the payment was made all she could say was I owed the late fees. Frustrated I told her that I would make the {$74.00} payment and that my account had better reflect that it was current which does nothing for the fact that all three credit bureau have info of 15 late or missing payments. I made the {$74.00} payment then on XX/XX/XXXX I received a letter from XXXX stating that I now owe {$230.00} in late fees. Once again I called XXXX  at this point I can't even sign into my XXXX  portal account. I went back and forth with the agent asking how did I owe {$230.00} in late fees when I just paid {$74.00} for late fees on XX/XX/XXXX. She told me that the {$74.00} was for added to my XX/XX/XXXX payment because she said that I didn't make it. My XXXX payment was made on XX/XX/XXXX ( $ XXXX $ XXXX {$330.00}. XXXX ) so how could that be? She hungup on me. By the way my XX/XX/XXXX payment was also reported to the credit bureaus as 30 days late. I have and continue to dispute this with all three credit bureaus and the XXXX. My next step is to file a suit against XXXX  with an Attorney. Although I did manage to get me another car, I was able to trade the car financed thru XXXX  so I have to car payments and two insurance payments with no end to this night mare with XXXX. The stress, frustration and aggregation that this is causing in ridiculous. XXXX  don't even report the accurate payment dates that I made my payments on. I know this is against the law and I will fight this to the end to correct what they have done wrong. I have included my payments on the 17 late reports and my bank account records showing when those payments were made. I also include a print out of what XXXX  has reported to the credit bureaus. None of my payments have gone past XX/XX/XXXX days past the current payment date. I want my credit reports to be corrected.
Product: Debt collection

XX/XX/2018 paid XXXX XXXX XXXX wireless contract which wireless lines for XXXX and XXXX amount paid {$790.00}. I wanted a prepaid cell phone service which startedXX/XX/2018 I paid {$50.00} for both lines. then i got email bill from XXXX XXXX XXXX that stated I owed {$260.00}. then the bill went up to {$590.00}. I attempted to call XXXX XXXX XXXX and send a fax for a complaint and my issue was not resolved. I spoke with XXXX XXXX XXXX representative who told me to contact the collection agency since my account was sent to the collection agency.
Product: Credit card or prepaid card

Revvi closed my account a few days after I paid {$200.00} to come current, which I had to find out through my credit report. They are still charging me late fees interest and reporting late payments to the credit report agencies. Also didn't click it earlier but I did have to pay a fee to activate the card I can not remember the amount exactly I think it was {$80.00}.