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

I've reached out MANY different times in regards to 2 collections accounts being falsely reported by the credit bureaus from XXXX XXXX. I have made many attempts contacting the credit bureaus trying to resolve this matter because its simply inaccurate. I have NO idea who XXXX XXXXs is and I've reached out to them and they've stated that they can not give me information because I was unable to give them the correct personal information ( such as last 4 of my SSN ) attached to the collections account. If the last 4 of my SSN is incorrect for verifying the account to get more information then that would obviously mean its attached to the wrong person aka ME!! A representative from the collections agency said that it may be a mistake as well. I have a son with the same name that it may belong to. I've sent many letters to the credit bureaus regarding this matter and trying to correct it. Its been SEVERAL MONTHS that they are saying its under investigation. Its been WELL OVER 4-5MONTHS. They keep dragging this thing out and I've sent XXXX different letters for each month. They've said it'd take 30days for a response and its been MONTHS! Its frustrating because I have a full-time job and when I reach out to the bureaus I get a LONG wait time, hung up on, or the same dam answer that its under review. I am getting exhausted trying to get this inaccurate information off of my report. Its UNFAIR how powerless I feel that I can not do anything about inaccurate information. It should be against the law to effect someones credit file like this with no consequences. AGAIN I have a son with the same name and this is not the first time that our information has gotten mixed up on our credit files. I will be in the process of attempting to sue the bureaus because of this. It disables me from being able to get the credit I know I am eligible for or if I do costs me higher APR 's due to these 2 collections accounts! This is UNFAIR! PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$480.00}, XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5800.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I believe Wells Fargo is retaliating against me by withholding payment information to credit reporting bureaus for expressing my extreme displeasure with the company acquiring my mortgage, and active pursuit to change the law regarding how mortgage companies acquire mortgages and effectively force unwilling consumers to do business with a particular institution. 

In late XXXX/early XX/XX/XXXX I discovered my XXXX  credit score dropped basically overnight from approximately XXXX to XXXX. I have been in contact with XXXX  several times to determine why this occurred. As part of the process, XXXX  provided a detailed credit report. The report shows outstanding payment history on every account I have with one exception : Wells Fargo Home Mortgage. Wells Fargo acquired the mortgage in XX/XX/XXXX, with payments to begin XX/XX/XXXX. I immediately protested the method Wells Fargo acquired my mortgage since there is NO WAY I would ever voluntarily do ANY business with Wells Fargo, a company with a vast criminal history and a reputation of customer abuse so great a federal judge made it part of her ruling against the company. Despite my displeasure, I have made my mortgage payments on time every month, even with Wells Fargo 's attempts to make the process unnecessarily difficult. However, Wells Fargo 's report to XXXX  shows " Unknown '' payments for the months of XXXX, XXXX and XX/XX/XXXX. Payments for XXXX and XX/XX/XXXX appear as " OK ''. 

When I contacted Wells Fargo, the representative told me, " It can take up to 60 days after [ Wells Fargo ] acquire [ s ] the account before payment history starts being reported. '' This explanation defies the history of other mortgages I have had, which show a continuous, seamless transition from the time I entered into the mortgage and through transfers to other servicing companies. So apparently Wells Fargo is doing it correctly and the other companies are doing it wrong? I don't think so. Also, the representative 's explanation, if true, contradicts the facts. According to him, it can take 60 days, but considering Wells Fargo acquired the mortgage in XX/XX/XXXX and the XXXX report doesn't start reporting good payments until XX/XX/XXXX the 60-day window is exceeded ( 90-121 days total ). 

I believe Wells Fargo 's failure to accurately report my mortgage payment history is a thinly veiled attempt to retaliate against me for expressing displeasure with Wells Fargo acquiring my mortgage and my efforts to change federal law to prevent corrupt organizations like Wells Fargo from forcing consumers into financial relationships the consumers would never pursue on their own.
Product: Checking or savings account

Someone went inside a chase bank on XX/XX/22 and gave my fake ID and wired {$46000.00} from on my savings account. I have filed a claim with Chase but I never receive any updates from them. Its been over month and a half but no update. I spoke to chase this evening and she said this is handled by some wire back office which she had no access to. She read a note on my account saying the claim will be denied. I feel very helpless. Im a mother of two kids with my younger being XXXX XXXX. Please help me get my money back.
Product: Debt collection

We were under a mandatory state of emergency and considered a disaster area and had no electricity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised years ago and I've disputed these very accounts before. However, the 3 major credit bureaus has ignored my consumer rights that's afforded to me by the FCRA inwhich is supported by the FTC. The credit reporting agencies response to my disputes were " accounts been verified. Verified without any certified physical documentation, nor was I ever given accurate account of the process. Please provide me with the detailed Method Of Verification used in all these accounts inwhich I'm disputing and if you and/or your companies do not fully comply then you must remove, delete and/ or block the following accounts immediately as my rights vis the FCRA . The accounts are as following. 
# 1 ) XXXX XXXX {$630.00} # 2 ) XXXX XXXX  {$740.00} # 3 ) XXXX XXXX XXXX {$91.00} # 4 ) XXXX  XXXX XXXX {$0.00} # 5 ) XXXX XXXX/ XXXX # 6 ) XXXX XXXX {$6.00} # 7 ) XXXX XXXX XXXX # 8 ) XXXX XXXX XXXX {$6.00} # 9 ) XXXX XXXX c/o XXXX {$1.00} # 10 ) XXXX XXXX XXXX {$1.00} # 11 ) XXXX XXXX {$860.00} # 12 ) XXXX  / XXXX XXXX XXXX   {$31.00}
Product: Credit card

I purchased about XXXX appliances at the end of XXXX of 2023 for my fathers house. I was told 0 % interest for XXXX  months. Then I would be charged interest. My father XXXX at the beginning of XXXX and life got away from me. I have looked at my bill to find over {$1000.00} of interest charged to me, over {$1000.00}. Im being told now that its interest deferred. That was not explained to me when I signed up. I was led to believe that it would just be interest charged on the amount I owed. This has now put me above my available limit hurting my credit score even more. Customer service has told me there is nothing that can be done. Ive since closed my account. I believe this to be unfair and deceptive business practices.
Product: Money transfer, virtual currency, or money service

On was scheduled to buy litecoin, {$50.00} worth it was pedning for days with a scheduled day of XXXX 2018 Saturday. My account buy were XXXX and the transaction never went through. On XXXX XX/XX/2018 i called to ask why was my buys XXXX and they told me they would have it fixed shortly. Now the transaction have went away im out of {$50.00} and i cant buy anymore.
Product: Debt collection

I've recently sent in debt validation request pursuant to the Fair Debt Collection Practices Act 15 USC 1692g to The Department Treasury collection company and TransUnionXX/XX/XXXX. Both companies TransUnion and Department Treasury has failed to validate the debt that is claim to be owed which is a violation to the FDCPA and FCRA.

Please remove any negative marks from my credit report as it is defamation of character.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureaus : Here in writing to bring to your attention the rights of consumers regarding identity theft, both internationally and domestically. As per the Fair Credit Reporting Act ( FCRA ) 605B, consumers have the right to request the blocking of any information in their file that resulted from alleged identity theft. This request must be honored ASAP. Furthermore, it is imperative that upon receiving such a request, you promptly notify the furnisher of the information about the potential identity theft, the filing of an identity theft report, the requested block, and the effective dates of the block. While you have the authority to decline or rescind a block under certain circumstances, consumers must be promptly notified if their request is denied or revoked. It's essential to uphold these consumer rights.

All dates, amounts and actions taken can be found in the FTC documents unloaded to this complaint.
Product: Checking or savings account

XX/XX/XXXX I went into Citizens Bank to close out an account of my dead mothers I was on. I asked to close it out and transfer whatever money was in there to my personal account with Citizens Bank, I was told it was {$580.00}. I was given the {$500.00} line of credit associated with that account on accident rather than just the money that I was owed. I realized a couple weeks later and called to try and sort it out but was told they couldn't help and I would have to go into the branch even though we were on stay at home orders. On XX/XX/XXXX, I called the debt branch of Citizens Bank and talked to them. I was told I owed the {$500.00} as I should never have received it and if I paid it then, they would waive the fees. I paid over the phone {$500.00} and was told the account would be closed this time. XXXX XX/XX/XXXX I requested a credit report and saw that I had a negative from Citizens Bank. I immediately looked on the app and it says the account is a zero balance. I then called to try and sort it out. I first spoke to XXXX about it and she connected us with XXXX. They informed me the XX/XX/XXXX person gave me the wrong amount owed and that I had to pay them more money to close out the account. The reception was so poor that I was struggling to understand what they said and I kept being put on hold.
Product: Mortgage

my husband and I were looking to purchase a house, we got preapproved through a mortgage company, did everything they asked us to do as far as saving money and paying off credit cards. on the day of closing they tell us we were denied. we paid for survey, appraisal, things that needed to be fix etc and to find out we got denied was very disturbing. they did not keep in constant contact with us or even had my emails and calls go unanswered for several days.i paid for everything in advance because they were confident we were going to get the house.
Product: Debt collection

I asked the company CCS to verify this debt as its negatively impacting my credit score. They didnt provide me any documentation.

I disputed on my reports but it remains. 
Not mine!
Product: Credit reporting or other personal consumer reports

Pursuant to the matter concerning the accounts associated with XXXX XXXX XXXX, denoted by account numbers [ XXXX ... ], [ XXXX ... ], [ XXXX ... ], this communication serves as a formal notice of dispute, invoking the provisions delineated under 15 U.S. Code 1692g - Validation of Debts. This federal statute mandates specific protocols for debt collectors, and I assert that its violations are evident in the handling of the aforementioned accounts. 
* Contravention of Notice Requirements ( 15 U.S. Code 1692g ( a ) ) : * XXXX XXXX XXXX failed to provide the requisite written notice within XXXX days following the initial communication with a consumer regarding the collection of the debts in question. 
* The statutory provisions necessitate the inclusion of certain information in the initial communication, and the absence of such information requires a subsequent written notice. However, this procedural safeguard was not adhered to, infringing upon the rights accorded to consumers. 
* Debt Validation and Dispute Process ( 15 U.S. Code 1692g ( a ) - ( b ) ) : * The consumer, exercising rights under 15 U.S. Code 1692g ( a ) ( 3 ), hereby disputes the validity of the debts referenced. This dispute triggers the obligation for XXXX XXXX XXXX  to cease collection activities until proper validation is obtained. 
* It is imperative that XXXX XXXX XXXX furnish verification of the debts, copies of judgments, or, if requested, the name and address of the original creditor within the XXXXday period specified. The cessation of collection activities during this interval is mandated by statute. 
* Preservation of Consumer Rights ( 15 U.S. Code 1692g ( b ) - ( c ) ) : * The failure of the consumer to dispute the validity of the debts within the prescribed period should not be construed as an admission of liability. This statutory protection is fundamental in preserving the rights of the consumer in legal proceedings. 
In light of the foregoing, I demand that XXXX XXXX XXXX rectify these violations promptly and adhere to the stipulations set forth in 15 U.S. Code 1692g. Failure to do so may  result in legal consequences and further action to uphold consumer rights. 
Kindly acknowledge the receipt of this communication within XXXX  Days and provide a comprehensive written response outlining the actions XXXX XXXX XXXX intends to undertake to rectify these concerns and effect a lawful resolution. 
Your prompt attention to this matter is expected, and I anticipate a resolution that aligns with the statutory provisions safeguarding consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their was a hard inquiry I discovered on my credit report today XX/XX/XXXX, the inquiry was from XX/XX/XXXX that I had not seen before and did not recognize. I reached out to the company and followed the prompts. When I finally reached someone and addressed my issue, they gave me the same number I had used to reach them to start with. When I called back to try and reach someone, every prompt I tried told me no one was available and to try again. I feel like I was not taken seriously and that their should be a specific prompt for reaching someone about questions and concerns and that at anytime someone should be available to answer calls during business hours and not allowed to just tell you or prompt you to call back. When I finally did reach someone on prompt 6, I was given the same number used to even speak with the individual to start with and told to call that number ( the one I was already on call with ) to reach the front desk. Their are over 12 prompts for their number and none are for the front desk. After calling back and trying the call 14 different times, I was unable to reach anyone on ALL of the prompts I tried, including prompt 6 that was the only one where someone answered. Every prompt said no one was available and to call back which is ridiculous and very bad business etiquette.
Product: Credit reporting or other personal consumer reports

Demand for Immediate Action and Compensation for Inadequate Removal of Fraudulent Account *NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT* *Complaint Details : * This complaint is filed against TransUnion LLC for their failure to remove a fraudulent account from my credit report, despite clear evidence and multiple disputes. This failure has resulted in unnecessary emotional discomfort and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was erroneously told that if I dispute accounts in my credit report I might be able to get rid of some of them especially the ones in collection. So I disputed most of them. 

2 months later, I apply for a mortgage with m y husband and was told by the mortgage company that I need to remove the disputes off my credit report to get an approval. 

for the the past 3 weeks I have made over 100 phone calls to all credit bureaus, their dispute departments and their executive customer service teams. I also contacted merchants, collection agencies and everyone you can think of. I was able to remove one of the remarks. every time I called, I was promised better help yet to find that almost all dispute marks are still on the report.

I heard so many excuses that the creditor asks for it to report again, to I don't know what happened, or the dispute remarks could not be removed.

I respectfully request all 3 credit bureau to remove all dispute remarks from my credit report as I no longer dispute the accounts. I need this asap so that the mortgage company can look into my mortgage application. 

My SS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Product: Credit card

This is a different/new issue regarding Chase. On XX/XX/year>, Chase did a credit check and approved me for a " XXXX '' credit card. I have attached a screenshot of their approval letter. It was a hard check. 

On XX/XX/year>, Chase oddly closed it for no reason. I hadn't even activated it yet. 

In addition, I believe they have been dishonest in communicating w/ CFPB and me. Regarding a previous matter, they act like I'm not trying to contact them and refuse to cooperate in terms of emailing me back. I have tried now 6 times, using all the emails I can think of. Given the nature of their persistent miscommunications, I would only like to communicate with them in writing, which I think is reasonable. Why do they only want to call, which is recorded anyway? 

Also in regard to my previous complaint, I did try to return a voicemail from someone claiming to be from Chase XXXX XXXX and " we are trying to find a resolution for you '' but no one called me back. So I emailed saying please email me. 6 times I have done that, and no response from Chase. 

It seems they are trying to make it look like they are trying to contact me but aren't. Just email me if you really want to find a resolution, it's not a lot to ask. This shouldn't be their way or the highway, in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on an additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX 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

XXXX, USA Funds, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX continue to report I am delinquent on student loans from XXXX. The information reported is inaccurate. All student debt from XXXX to XXXX has been resolved more than 10 years ago. I have disputed the charges with XXXX, XXXX, and XXXX ( as well as XXXX, USA Funds, and XXXXXXXX XXXX. However, after a 30 day review period, I receive notification from the credit reporting agency stating, " Subscriber reports dispute resolved-consumer disagrees. '' The matter is then closed by the credit reporting agency. As I continue regularly to dispute the information reported, XXXX and USA Funds ( and an assorted host of attorneys and/or collection agencies ) transfer or sell the bogus accounts amongst themselves. Then the new buyer of debt reports the same account with different dates and dollar amounts to each credit agency. Not only do I not owe the debt continuing to be reported, but the date of balance origination is from XXXX, that is TWELVE years ago. I guess I shouldn't have been shocked, but I was at how brazen and unethical the reporters are : they have fraudulently claimed my last payment toward each account was made on XX/XX/XXXX, which is an absolute lie. However, they are acutely aware if payment was made in XXXX for a XXXX file, the can continue to desegregate my credit file. I am prepared to upload credit reports with notations on information pertaining to my complaint today.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Mortgage

Hello, Im having a horrific time with multiple calls to arrange payments. I had paperwork notarized by my attorney and submitted paperwork back in XXXX. Autopay was never set up and I had to call to figure out why. I made a payment for XXXX and XXXX per my conversation in XXXX with one of your employers. The XXXX payment was sent back. I received letters Im late etc. Im not late this is your issue. 

I call every week and am currently on hold for over 20 minutes to speak to a supervisor.

I see a Class Action Suit filed against Loan Care. Multiple complaints exactly the same as mine. 

Similar stories are posted on XXXX  website.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last month I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact.