23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call today from this lady I believe her name was XXXX. She made me feel extremely inadequate like i was a liar and that I had no rights. We first spoke XX/XX/XXXX and set up a payment arrangement to get this debt payed off. I told her that {$450.00} a month was all that we could afford and that I would try, key word try, and get something to her when I received my tax return XX/XX/XXXX. We were contacted by this lady again when she called XX/XX/XXXX to ask for a larger sum of money. I told her we had to take care of a bug infestation in our home ( bed bugs ) and that I would not be able to give her more than the promised monthly {$450.00} that we had agreed upon at the XX/XX/XXXX. She told me that would not be enough and said that she would be making a judgment against me. XX/XX/XXXX she called and stated that I had done nothing about my collection debt and that this is all my fault that we are where we are. She stated that I could have come up with money to pay this debt and that I needed to come up with {$2800.00} within a week and {$650.00} a month so that they would stop the judgement. I told her that was not possible and that is what I was trying to do back XX/XX/XXXX. If she had given me the 5 months between XX/XX/XXXX and XX/XX/XXXX to come up with the {$2800.00} that it would not have been a problem but that last time I spoke to her she made it seem like a lower payment was not an option. This most recent time she called me this morning XX/XX/XXXX she stated that I stuck my head in the sand hoping this would go away. That I never spoke to my husband about any of the decisions and kept him in the dark when I had not. She called me irresponsible and selfish to quit my job to be home with my kids. She told me that I am the one that has been unresponsive when it comes to working with them. She told me that I have until XX/XX/XXXX to come up with something and she does n't care if it means that I ca n't buy food or pay my mortgage because I am at fault and was not willing to work anything out with her, when I tried working something out with her since XX/XX/XXXX. I told her as a consumer XX/XX/XXXX that she is not allowed to contact me any longer and that I had felt attacked and she still proceeded to contact me. She called me a liar and told me that my sob story will not do me any good and that she really hopes that I have to go back to work because of this and that again I was irresponsible and selfish to quit to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report from TransUnion, file # XXXX and noticed a hard inquiry was recorded on my report from XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX, submitted on XX/XX/XXXX. I have never applied for credit or a loan through this company. On XX/XX/XXXX, I contacted TransUnion to inform them of the incorrect information on my credit report and that I did not apply for credit through this company. The male employee informed me that he could not do anything to assist me, would not remove the hard inquiry, and that it was my responsibility to contact XXXX and obtain a letter from them verifying I did not apply for credit. Also, he informed me that this would stay on my credit report until they receive a letter from the company. He would not provide me any information regarding the individual who requested the credit. I asked to speak to a supervisor and he refused to let me talk to one. I requested to have a fraudulent inquiry put on my file to ensure this does not occur again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. These changes are part of the National Consumer Assistance Plan. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and must be deleted from my credit report.
Product: Credit card or prepaid card

XXXX XX/XX/XXXX, After receiving a message from Wells Fargo to my email, stating that there was possible fraud detected on my credit card. The message listed several declined attempts to use the card at locations in XXXX Florida as well as an ATM transaction for {$450.00} which was approved. I logged into my corresponding account at the bank to confirm that this was a bonified message from the bank and not a phishing attempt. 

On the Wells Fargo Web Page, I verified that there was a fruadulent cash advance approved for the amount of {$450.00} made in XXXX Florida on XX/XX/2023. 

The dates these fraudulent this charge and charge attempts took place I was with my family in XXXX XXXX, Fl. area, over XXXX miles away from where this transaction took place. I can corroborate my presence in the XXXX XXXX area with in-store credit card transactions and witnesses. 

I further confirm that the only credit card I have authorized for this account was in my possession and, therefore, an unauthorized/cloned copy must have been used to make the transactions. 

I further confirm that I have only used the card for one on-line purchase since I have received it. It has never left my home and is stored in a secure place. It is therefore unlikely the card was cloned. 

I have contacted Wells Fargo, and they have failed to remove the fraudulent transaction. 

They closed the investigation stating that I will be financially responsible. They have failed to provide information on their investigation. They seem to have little interest in resolving this dispute and have been quick to assign me the responsibility for their security issue. 










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

Equifax Information Services, LLC failed to properly investigate a dispute I submitted. on or about XX/XX/2019, I submitted a dispute for the reinvestigation of a public record listed on my consumer credit file. On or about XX/XX/2019, Equifax purports to have completed the investigation and verified the information. The listed XXXX as the information furnisher that verified the information. However that is impossible as I have a security freeze placed on my XXXX XXXX consumer file. I contacted Equifax to verify this information on at least 2 occasions and was told that the information had been verified with XXXX. I then followed up with a call to XXXX XXXX who verified that there had NOT been ANY access to my consumer report by anyone, including Equifax.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXXXXXX Balance : {$1500.00}, XXXX Date of XXXX XX/XX/XXXX & XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

The mortgage company said they did not receive my email copies of paystubs. I clearly have proof of the email. I did an Emergency Order to Show Cause at XXXX Court on  XXXX XXXX. The Judge agreed to stop the sale. Midfirst Mortgage sold my house although the order to show cause was signed by a judge. They are liars and dont honor emails or Judge rulings. They lied and sold my home. I think Im having a nervous breakdown. How can they get away with stealing.
Product: Credit reporting or other personal consumer reports

the information reporting on my credit is incorrect and inaccurate, they have not provided me with the validation i requested not once but TWICE ive asked for these accounts to be validated and verified. i have not received any paperwork or contracts signed by me.

they have Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports.

please remove XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information is hurting my life and preventing me from getting a auto loan. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made my yearly purchase from XXXX XXXX with my XXXX card as I have for the past few years. I use my XXXX card only to get the points then I pay it off with the bank account that is connected to my XXXX card online. In XX/XX/XXXX I went to the XXXX XXXX website to make full payment. I proceeded to make the payment, received the thank you for the payment page and noted my personal budget/bill sheet as paid. On or about XX/XX/XXXX I received an email that my account was 30 days past due. I immediately made a phone call to ask why. I was told that it had been reported to the credit bureau as a 30 day late pay 2 days prior to the email I had just received. I explained that I had made that payment back in XX/XX/XXXX and had not gotten any email or late pay notice until that email that prompted the call. During that call full payment was made to XXXX and all late fees were refunded by XXXX. I disputed with XXXX XXXX/XXXX XXXX on XX/XX/XXXX and then again around XX/XX/XXXX. I also disputed 2 times with TransUnion and XXXX. This is clearly a system error of some sort which is obviously not an item that can be " proven ''. The only response I'm getting from XXXX is that if there is not proof of it being " their fault '' there is nothing they can do. I debated that a " fault '' of a system error is impossible for the consumer. My credit has been in perfect condition for many years now and this is the one and only blemish, reducing my score by more than 50 points. I am asking XXXX to simply make a courtesy credit removal due to some sort of system error. I have also consulted a credit repair company that advised I try once again to remedy it with XXXX XXXX/XXXX XXXX and then proceed to file with the CFPB, OCC, XXXX XXXX XXXX XXXX and social media negative blitzes. I shared with XXXX the steps I was going to take and they did not care. I am in awe of how an error of this sort can have such an impact on a consumer with zero path for the consumer to be protected or heard and treated as a human being instead of a number or piece of paper.
Product: Credit card or prepaid card

XX/XX/2020 I made a purchase for {$520.00} on my Citi double cash card. The item I received from the purchase was faulty/incorrect so I sent it back ( within the company 's ) return policy. The company never refused me so I made a chargeback dispute on my credit card. Citi gave me an initial credit, but then decided in the end that I shouldn't get my credit and reversed it. I don't know how they could side with the merchant in my dispute. It was very obvious I had returned my item and hadn't gotten a refund. I had tracking that proved I returned my item. Citi didn't side with me in my chargeback and now I'm out {$520.00}.
Product: Credit reporting

I have a bankruptcy that appears on my credit report nit mine must be mixed file
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an inaccurate entry related to a bankruptcy that I have not filed. According to the Fair Credit Reporting Act ( FCRA ) 611, it is my right to request a verification or removal of this incorrect information.

The erroneous bankruptcy details are as follows : [ bankruptcy_info ] In accordance with the FCRA 611 ( a ) ( 7 ), I kindly request that you initiate an investigation into this matter and provide me with the " Method of Verification '' used to confirm the bankruptcy. Specifically, I require the following information : 1. 2. 3. 4. 5. The name of the courthouse where the information was verified. 
The name of the person at the courthouse who handled your request. 
The address of the courthouse.

The telephone number for the Clerk of Court 's office.

The specific document you obtained to verify the bankruptcy.

Should you fail to comply with my request within the 30-day period as stipulated by FCRA, I will consider taking further legal action. Please respond to me in writing at the above address. 
I trust that you will handle this matter with the urgency and seriousness it requires. Your prompt attention will prevent any potential negative impact on my credit standing.
Product: Mortgage

I submitted a change to my AUTO DRAFT AUTHORIZATION to Carrington Mortgage that took them 96 days to process and put in place ( submitted XXXX/XXXX/2015 ). Because of Carrington 's failure and negligence to process the auto draft authorization request in a timely manner ( 45 days as stated in their form ) the XXXX 2015 payment was drafted late and is effecting my credit. I have sent several requests in writing to Carrington Mortgage and have been getting the run around from them. First Carrington responded with a letter saying that the request required a TRUE Signature. I submitted the request again with a TRUE signature and received a response that the signature did not match what they have on file? I again submitted my request and never heard back from anyone. I do n't know who 's signature they claim to have on file that does n't match mine? This practice is not acceptable!
Product: Money transfer, virtual currency, or money service

I used western union to send money to a vendor bank account. On their website, it shows it is complete even though the bank account the funds were sent to has not received the funds. Even their online tracking system is showing that the receiver has not received the funds into the account. The transfer should have happened in 7 business days. Its been 30 days now and still no resolution.
Product: Credit reporting or other personal consumer reports

I had signed up for 2 different accounts from XXXX XXXX, XXXX was for XXXX XXXX the other was for XXXX XXXX. 

There was a huge confusion because they must have inputted my social security number incorrectly or it is someone from XXXX 's fault when this account was set up. 

The first company was not only not giving me information on my balance of my account and several other factors even though they knew my phone number, amount and date of purchase and everything but the social, which they wouldn't tell me what the correct one was. 

I pleaded with the rep and the manager, so there was a payment or 2 missed, plus I was sick with XXXX during this time. 

I also have the other account with XXXX, XXXX XXXX, I made the current payment and the next day I sent another {$500.00} that would be for another payment, I see it was receipted but yet still they contacted me today, saying that I missed XXXX XXXX payment then reported me late to bureaus. I'll attach the XXXX payments made in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX  Account Number : XXXX Has violated my rights. 

15.U.S.C 1681 Section 602A states I have the right to privacy 15.U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written permission
Product: Vehicle loan or lease

Im trying to sell my car in order to do so I need the lien release letter or title from Chase Bank. They never sent me this despite me having paid the car loan off over a year ago. I called to get it and they said 2-10 days, but I didnt receive. I pressed them again and they said they could overnight it but the overnight request would take two days to process. They should be able to do this more quickly and not hold my lien release hostage. Or provide me a digital copy at least.
Product: Checking or savings account

XX/XX/XXXX {$3000.00} was held in my account, and Venmo sent a email stating that funds would be released after XXXX  days. 


XX/XX/XXXX Venmo emailed me about my funds. I was directed to add a bank and transfer funds. 

After numerous attempts I still can not transfer my funds from Venmo, and representatives fail to answer calls or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax & XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.
Product: Credit reporting or other personal consumer reports

Good Evening! 


I had a loan with chase auto finance for a XXXX XXXX XXXX. My car was repossess, but I was able to pay off the charge off of the told final amount. The amount was XXXX and something. I finished paying it off somewhere in XX/XX/XXXX2024. When I was applying for a mortgage loan this year, my mortgage loan was denied. One of the reasons was my auto account with XXXX was still open and saying I needed to pay {$5000.00} and something, but the account should be closed now. And they affected my mortgage loan.
Product: Student loan

I set up for loan consolidation with Navient, I was in a repayment plan with the fl XXXX XXXX XXXX, because navient failed to give me the right information as well as fail on their end to get the payments for my loans to the XXXX XXXX XXXX my wages are being garnished and I am unable to change the status without paying to have this stopped. I am in extreme financial hardship because of the issue that navient is indicating they are unable to fix, when I did my part to enroll in the income driven repayment plan.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : National Credit Systems Account # XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX CC : Regular US Mail
Product: Credit reporting or other personal consumer reports

There are inquiries there that I call and they told me they removed 3? times they still there such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all should be off my account never removed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX denied me my title with after my car was repossessed but gotten out of repossession which then I couldnt register the title for a year, couldnt drive the car and they put it back in repossession and charged it off on my credit report.. I would like the account removed off my credit report as promised..
Product: Credit card or prepaid card

Citi AAdantage Card took my payment over the phone on XX/XX/XXXX and put a hold on it for 11 days without informing me! When I called to make the payment on XX/XX/XXXX the Citi operator said that the payment went through and I could use the card immediately. The payment went through ( confirmed by my XXXX XXXX bank records ) on XX/XX/XXXX, but the hold unknown to me, was until XX/XX/XXXX. I called several times to see why my card was declined and was told that my payment just hadn't processed yet, but no one told me that the hold would be XX/XX/XXXX, 9 days after Citi received my payment! 

The payment I made on XX/XX/XXXX was from my XXXX XXXX account which I use almost every time I make a phone payment. Citi is taking advantage of me ; I am a widow and taking care of all my business by myself. This problem has caused my credit score to decline, as I show as being max 'd out on the Citi card. Citi should be penalized for their unethical behavior and I should receive compensation for my extreme inconvenience, hours spent on the telephone dealing with their error -- and economic difficulty caused by their unethical practices.
Product: Credit card

Dear Consumer Financial Protection Bureau, This is regarding American Express dispute ref no. XXXX ( {$380.00} ) and XXXX ( {$2000.00} ), I provided third party impartial evidence the items in the XXXX order # XXXX were returned. In fact the XXXX tracking for BOTH items in the order show they were RETURNED to sender and left with sender. See XXXX  tracking # XXXX and XXXX. The XXXX tracking shows the packages were marked damaged, and it expressly says the Merchandise left with sender. And the status on the XXXX website says RETURNED. 

I believe American Express is discriminating against my race ( XXXX ) and discrediting the third party evidence I provided showing the items in the order were returned and left with sender, and they are discounting my evidence because I am XXXX and the merchant is not a minority and is a big business. This is unacceptable. American Express discrimination must end. 

I am owed a total of {$2400.00} for this order due to both items being marked DAMAGED and RETURNED left with sender. American Express is discounting my evidence due to my race and their discrimination against me. This has to stop and I am owed my money from this transaction. 

Sincerely, XXXX