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

Trans union didnt take a account off my credit report.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, regarding {$60.00} in debt that I owe to Ingo Money , Inc . 

I have never received any communication from Ingo Money , Inc., regarding this issue, and the letter is from a debt collector. 

To my knowledge, I owe no debt to either of these companies. No proof of any transaction or debt is attached to or included with the document from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, TransUnion has violated my rights by having : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX XXXX and I had a Mortgage with Wells Fargo for my property located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. In 2019, Wells Fargo foreclosed on my property without notifying me. Wells Fagor claimed they did notify me, but I never received any documentation before the foreclosed my property and took ownership of this property. 

After Wells Fargo foreclosed on my property, they never returned my personal belongings worth over $ XXXX USD including but not limited to expensive jewelries, expensive clothings, expensive Furnitures & Electronics and my Original Diplomas hung on my wall from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition, my two cars - a XXXX and a XXXX XXXX were also never returned to me. 

I have contacted Wells Fargo regarding the aforementioned personal belongings and and they informed me to contact XXXX XXXX. I followed their advise and contacted XXXX XXXX, who in turn asked one of their contracting company to call me and inform me that there is nothing they can to to return my property.
Product: Mortgage

On XX/XX/2020 XXXX XXXX I applied for lot 7 property at XXXX XXXX new construction site located at XXXX XXXX XXXX, CA XXXX. I was told by the on site agent XXXX  I could not apply for the property at that time due to the builder didn't give the agents a price for lot number 7.  Finally after 5 days my agent XXXX called me and said they had a price from the builder, and me too call XXXX XXXX at XXXX XXXX I called XXXX XXXX, and informed him I had a VA approved loan ready for pay out. XXXX informed me I could not use the XXXX loan I had to apply at XXXX XXXX XXXXnd be approved by him. Below is a copy of the email XXXX sent me after I applied at XXXX XXXX Mr. XXXX asked for documentation for one year of payments auto ins, life ins, XXXX, XXXX XXXX XXXX, Cell phone, internet and Cable. I feel this was harassment because I submitted a year of bank statements with all of those payments reflected on my bank statements. The loan officers at XXXX were smarter, they didn't have any problem interpreting my bank statements for a year. 

COPY OF EMAIL XX/XX/2020 Thanks for downloading the XXXX XXXX app. Now you have the mortgage process in your hands! 
Be sure to check out everything that will make your loan easier. You dont have to get stuck waiting to figure out what you can afford, just use the mortgage calculator to check out your loan options. Your loan process wont be stuck in the stone age either. When were ready to start working on documents, you have an easy-to-use scanner tool in the app so you dont have to scramble for a fax machine or printer, or driving documents across town. Ive also added links and other tools to make your part easy. 
If youre the type of person that would rather do all this stuff on your computer, just go to, https : XXXX and remember to use XXXX to sign in. 
Were here for you! Reach out anytime. 
XXXX XXXX XXXX XXXX ) XXXX XXXX American Pacific Mortgage Corporation On XX/XX/2020 I received a credit denial with one check mark in the credit section for delinquent credit obligations. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on XXXX XXXX, and on the XXXX  or XXXX XXXX internets for a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to dispute/delete fraudulent information from my credit report even though I have told them I did NOT make these inquiries. I have spoken to each of the inquirers and they have stated they would inform Equifax to delete the inquiries but they still have not done so. 

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

Shortly after my XXXX were born in XX/XX/2018, I took them to XXXX XXXX for a pediatrician appointment. I had health insurance at the time, but when XXXX XXXX submitted the claim for payment, the claim was rejected as the insurer indicated I was not covered. I cleared up this issue with the insurer ( I was covered ) and the health insurer requested that XXXX XXXX resubmit the claim. XXXX XXXX refused to re-submit the claim. I resubmitted the claim myself but the insurer insisted that the provider resubmit it. XXXX XXXX again refused. 

The claim was apparently sold the receivable to IC Systems, who reported 2 claims for {$450.00} to XXXX ( there was only ever 1 claim ). I disputed these claims with XXXX and they were removed. Once removed from XXXX, IC Systems then reported 2 claims for {$450.00} ( again only ever 1 claim ) to XXXX. I disputed the claims with XXXX XXXX has apparently rejected the dispute. However, they did not issue a rejection notice - only a notice that they have updated the claim with new information. It appears they only updated the expiration date of the negative report, but it is unclear as there was no explanation provided
Product: Mortgage

Navy Federal loan that I had for my home was paid in full. The company when contacted advised me that they billed me additional fees for paying off my home mortgage in full. I have contacted them several times as the company has refused to cash the bill pays sent to the company and XXXX took the action to stop the payment as Navy Federal had the check from bill pay. In order to get the mortgage paid in full payments were made to them via ACH. Navy Federal has been requested in writing that I am hereby demanding that my money due back to me for escrow and close my accounts with the bank. 

Navy Federal advised me that they will be charging me penalties for paying off the loan which I was advised I didn't have on this loan. Now on the phone it has come to my attention that the company has made a decision that was never disclosed to take money to payoff the mortgage. When I requested to know exactly what the amount they are charging me they said I would have to wait until they do all their back office charges against my account. 

The company is not being fair and honest with me as I have advised them that I want to close my accounts. Obtain my escrow money that they are retaining and along with that they are taking a position that they can charge me whatever they want for fees for paying off the loan. 

I need help as I have reviewed documents and it has no area that it states that I must pay for their back office activities and in a large amount. I have been clear that this is not fair and want the breakdown immediately. Their response was they will get it to me in 30 days or more when they get it done. 

I do not want to be a customer and they sent me a letter advising me that my escrow or overpayment would be deposited into the checking account that I presently have with them and have requested to have closed several times. They refuse to close the accounts and state that I must keep them. I do not see how this is fair and am asking for help to get paid the money that is overdue.
Product: Checking or savings account

On XX/XX/XXXX, I received a XXXX XXXX from Wells Fargo in my name and sent to my address. I never opened any account with Wells Fargo. I phoned Wells Fargo on XX/XX/XXXX and again on XX/XX/XXXX to report that the account was opened without my knowledge. Wells Fargo stopped any use of the card and I spoke with their fraud department. They looked and concluded it was online fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have no bankruptcy records reporting on my Lexis Nexis Consumer Report. I have never filed for bankruptcy. XXXX XXXX, XXXX, and XXXX has informed me that Lexis Nexis verified and reported the following public record : Bankruptcy XXXX XXXX-Discharged, Filed Date : XX/XX/XXXX, Reference Number : XXXX, U.S. Bankruptcy Court , XXXX, Minnesota. The public record is inaccurate and not my public record. I want Lexis Nexis Corporate Office to immediately send a letter to XXXX XXXX, XXXX, and XXXX requesting for XXXX XXXX, XXXX, and XXXX to immediately delete and remove the above public record from my credit reports since the public record is not my public record and the public record is not listed on my Lexis Nexis Consumer Report : XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, XXXX : XXXX
Product: Payday loan, title loan, or personal loan

I ordered an XXXX XXXX XXXX XXXX through XXXX, my phone service provider on Monday XX/XX/2022. On that same day, I took on a loan from their sole suggested lending partner, Affirm. There was consideration ( a down payment of {$230.00} ), my signature agreeing to the terms, their countersignature agreeing to lend. 

I waited for my phone to come the next day. It didn't. So I contacted XXXX  who said my order was incorrectly in " draft '' status waiting to " get in the door '' of full processing. Basically a glitch in their systems processing. In normal ERP best practices, this would have just been as simple as either A. providing the missing data necessary to process the order, or B. recreating the order with the same data, assigning that order to the loan documentation, sending that new order information over to Affirm for an amendment with the new order number and having me re-sign the document under the same terms but with the same approval. Unfortunately, this is not what happened. 

XXXX  cancelled my order and THEN PROCEEDED TO CANCEL MY LOAN WITH AFFIRM WITHOUT MY PERMISSION OR AUTHORIZATION. 

As a result, this has presented multiple adverse effects for me, which include : 1. I never gave ANYONE authorization to cancel my loan with affirm. This is illegal.

2. I have to re apply for the loan which dings my credit.

3. I am no longer qualifying for the same amount... it's lower now, probably because of my additional credit inquiry.

4. I do not have the product as promised.

5. This has taken up more than two days and hours of my time to discuss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

Per the Ohio Revised Code, and the Fair Debt Collection Practices Act, I hereby require you to submit evidence of the following : The name of the creditor at which this alleged debt is owed. 
The account number associated with the debt. 
An itemization of the current amount of the alleged debt. 
The current amount of the debt when the notice is provided. 
Other applicable and pertinent information related to this debt per the Ohio Revised Code and the Fair Debt Collection Practices Act. 

Furthermore, I require evidence that you've given permission to collect on any alleged debt ( XXXX ), I would also like to review the contract in which I signed legally binding me to this alleged debt. I would also like proof of your legal ability to collect on debt within your respective state, to include the previous creditor 's abilities as well. As of XX/XX/year>, you have submitted absolutely no written communication pertaining to any alleged debt, nor have you submitted any written communication regarding my legal right to dispute any alleged debt. So far, you've simply called my personal cell phone number several times, clearly in an attempt to harass me. I am a XXXX veteran, my income is protected under federal law, and I've since settled any previously owed debts, my other obligations related to Federal Student Aid were appeased long ago via a Total and Permanent XXXX  Discharge. I demand that you cease and desist in your predatory, and illegal collection practices, as you've been so warned and fined per the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Please furnish a notarized, certified copy of the original contract redacting social security number to prevent identify theft and state under penalty of perjury that your client is the HOLDER IN DUE COURSE of the alleged note/contract for my own and a judges inspection should there be a trial to contest these matters. 
2. Please produce the account and general ledger statement, signed under penalty of perjury, showing the full accounting of the alleged obligation that you are now attempting to collect. 
3. Please identify, under penalty of perjury, by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 
4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of alleged debt and are proceeding with collection activity only in the name of the original contracting party. 
5. Please verify, under penalty of perjury, that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies and misinformation as a consumer. The lack of due diligence the credit bureaus has made truly reflects incorrectly, not only has this been a defamation of character and livelihood but a major violation of consumer rights.

I have sent all three credit bureaus a letter and they have not corresponded.

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 that a consumer reporting agency can not furnish an 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 7 years.

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

I do not understand why accounts are not reflecting true information about my reporting. I have written below all the discrepancies. I would like for all inaccurate information to be removed as this is in violation once remove Please provide with a updated credit report once information has been corrected. 


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 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

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW SOMEONE WAS ABLE TO GET MY INFORMATION TO EVEN DO SUCH A THING ON MY CREDIT. THIS IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. IT HAS ALSO BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH THE STATE THAT MY CREDIT IS NOW IN. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT. ALSO KEEP IN MIND THAT I HAVE NO KNOWLEDGE OF THE TRANSACTION.
Product: Checking or savings account

From the years of XXXX XXXX with navy federal between XXXX I was charged countless overdraft fees on funds that should have not been able to be withdrawn
Product: Checking or savings account

I had a checking account with USAA and insurance. I had trouble paying my insurance, but when I tried to handle the situation I was dismissed from the company due to Bank fraud from XX/XX/XXXX. I had been with USAA and paying my insurance and all, but never contacted or emailed or even mailed a letter on bank fraud ever happening to my account. I tried to speak with customer service and fraud prevention as well. I was always passed around and put on hold for hours. I was told to contact the company in three days. I never could get any information on the bank fraud and why I was dismissed from insurance and USAA altogether. This year XX/XX/XXXX, I received two XXXX in the mail from USAA, and I found out that they are claiming I have received funds from them in the amount of {$980.00} and {$1900.00}. They also checked on the form I was personally liable for the debt and I had no clue I had any debt with the company. The only information the bak can tell me is that the fraud was done in XX/XX/XXXX. I did not find out about the fraud until XX/XX/XXXX, when trying to figure out what happened to my insurance claim and why I was dismissed from continuing business with the company. I am filing this complaint because this was not handled properly or even investigated by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

ADDED TO MY CREDIT REPORT ON XX/XX/2023 AMOUNT : {$280.00} UNKNOWN ACCOUNT OR CREDITOR : JEFFERSON CAPITAL I do not know who this is and why all three Credit Bureaus allowed this to happen, which affected my credit score. 
I am confident I could pay {$280.00}, but nothing in writing was sent to my home, and no one called my phone numbers. 
I can't contact the company if I don't know who it is.