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

My identity was stolen and I have some inquiries and two collections on my account that arent me. Ive called XXXX and XXXX and sent letters. I called the companies multi time including spoke to each companies credit departments. XXXX hangs up on me and sends me to a special handling department. I have never lived at the address XXXX XXXX XXXX XXXX XXXX IL XXXX Ive have express to them the consumer laws for inquiries 15 usc 1681n & o. Also 15 usc 1666 & 1666b. They are not abiding by the law.

Out of the 7 inquiries only the XXXX XXXX inquiries are what Ive applied for. Ive been working on fixing the things on my credit now for almost a year. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Loan issued by XXXX XX/XX/XXXX for {$5000.00} USD, payment plan of {$490.00} per month starting XX/XX/XXXX. Paid to date {$11000.00} with an balance of over {$27000.00} to date. Excessive interest rate well over 200 %, this company is exploiting low credit score & Poor American people in these outrageous over the interest rates. I have been struggling repaying this loan back and they have been paid over 100 % to date. I seen an news report on my local TV station XXXX XXXX in XXXX XXXX XXXX XXXX about companies like this. Our current rental market is beyond ridiculous and to struggle to pay this loan will be the death of me. Loan currently has an XX/XX/XXXX payoff date. At this rate I still have a balance of {$27000.00} ( breakdown 56 months at {$490.00} ) this should be an illegal practice. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. Although there has been a little improvement, I still haven't received this via dispute response from any of the bureaus. As of today I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of an incorrect late payment entry from my credit file for XXXX last year. This entry had been previously removed but has reappeared, despite the account being fully paid off at that time. I consistently make my payments on time and use this card specifically to build my credit. 

This error is critically affecting my credit score and my current effort to purchase a house. Please remove this late payment entry immediately to correct my credit report.

Thank you for your immediate attention to this matter.
Product: Credit reporting

Trans Union is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.
Product: Credit card or prepaid card

Citi Card Advantage mastercard kept e-mailing me that I was past due. I called the 800 number, and the number was based in the XXXX. Call kept dropping. I then sent a letter to CEO of the bank that issued the card. He sent me an e-mail with a number to call. I sent the payment on time in XXXX. 
I spoke with a woman by the name of XXXX. She told me she would call me back in a week. She never called me. I called yesterday, XX/XX/2020. Citibank did receive the check. XXXX claimed the check arrived Sunday XXXX. So that would make it five weeks. She blamed the post office. I asked her if she had the envelope ; XXXX said no. I spent 25 hours on this dispute. XXXX could care less. She said it was not a bank error. I do not agree. 
XXXX
Product: Checking or savings account

1 : We noticed one of the vendors that we were using XXXX XXXX charged us didn't get any authorization for {$3700.00}, so we contacted Chase immediately via Secure message immediately on XX/XX/XXXX at XXXX XXXX  The original message is attached below. A : We requested a refund. B : We want to stop all future payments from this vendor. 

2 : Then we contacted Chase via secure message on Chase online banking again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as well for the same request : We want to stop all future payments from this vendor. 

3 : Yet, we got charged again on XX/XX/XXXX for {$7900.00}. Even though we wrote to Chase XXXX  times in half a month period. 

4 : And today we called Chase again, and we got transferred XXXX  times back and forth between their dispute department and customer service department, however, their customer service XXXX told us they can not do anything and can not be refunded. So in total, we lost over XXXX, because Chase can not stop the XXXX on time. 

5 : And they told us the claim that we filed on their secure message system was already closed, even though we didn't receive any notification. And there is no instruction on how to continue the claim. We would like to get a refund of the {$7900.00} from Chase because Chase didn't block the transaction. ( First unauthorized transaction it is the vendor 's issue, however, the second transaction after we informed Chase for half a month, and we still get charged it is for sure Chase 's responsibility. ) 6 : We contacted customer services, and their customer service told us the first complaint for the {$3700.00}, is already closed because we didn't send any proof. But no one told us to send us the proof and where to send it. They just closed the complaint without informing us. 
We told customer service please not close the case, we have proof just need to know where to send it. Then they told us the only way to send the proof is by fax or mail. However the fax no one responded, and we tried over 10 times. 

7 : Also today, from Chase XXXX office, they were calling and blaming us can not stop the transaction on time because we were using the secure message channel on their website, and blame us the reason they can not put the stop transaction block on time is that we didn't go to the branch to handle this.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5.00} XXXX XXXXXXXX Balance : {$650.00}
Product: Credit card

bank chg a XXXX late feeI call wanted to get the XXXX processing add this would of got there in 3 days for pymt to process from where I live. 

cust ser did n't know it so they gave me XXXX add which took 6 days to process from where I live. 

This cause a late chg
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and spoken with Equifax, XXXX, and Equifax several times about removing a bankruptcy on my file ref # XXXX closed on XXXX/XXXX/XXXX. According to the new law passed about tax records and liens this bankruptcy does not fit the criteria. I have spoken with XXXX XXXX at the Bankruptcy XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA at XXXX where she stated they absolutely do not verify those public records. I have also contacted XXXX XXXX and they said back saying nothing on my file had been requested for verification. After several, several attempts to work out the reporting of this discrepancy, Equifax removed the bankrupcy but put it back on and XXXX and XXXX did n't budge has refused to budge and continues to report this on my file.
Product: Debt collection

This company has been reporting an inaccurate and unauthorized account on my personal credit report. The debt being reported is due to identity theft.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of today, I have not received any response from your organization regarding my disputes with the accounts listed below. These accounts are still being reported inaccurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Numerous Follow up letters were sent and still went unanswered. 

Transunion is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting all companies that were never authorized to use/ my pull information. 
View the list below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

American Profit Recovery has Falsely reported a trade-line on my credit report. They are a third-party Debt collector, who have violated my rights under the FDCPA. They were given my personal information under false pretenses and has now damaged my credit report. I Feel ashamed and personally violated that they would commit such act against me and my reputation. I demand that they delete the trade-in that they have furnished on my credit report immediately or I will take action to sue them under FDCPA. they are demanding I pay them immediately as if I ever done any type of business with their company.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX website is MISLEADING and DECEITFUL. Does not clearly show or state hard inquiry will be placed on consumer file. Only ask for last 4 digits of SSN. Disclaimer is not clearly visible to consumer. In its disclaimer using small print, using the words lender MAY pull credit file. Nowhere before beginning the application it states that the lenders MAY or WILL be pulling your credit file. Asking for last 4 digits of SSN is not a clear indication to the consumer that an hard inquiry will be placed on credit file, Submitted a complaint on website no response. Please visit XXXX XXXX website and start an Auto Loan application to better understand my complaint
Product: Payday loan, title loan, or personal loan

To : Blue Trust Loan Loan Department Regarding : Loan XXXX XXXX  Account Status : Active { {$720.00} } of XXXXPaid by direct withdrawal from my Bank Account at this time XXXX Payment is every 2 weeks as thats my payroll XXXX for XXXX a month for 9 months. Please advise Compliant : I spoke with a Blue Trust Loans Customer Representative over the phone. I was looking for a loan to cover a bill and came across the company after applying a representative contacted me.This Representative did not disclose me the information regarding the interest rates.After, I was approved and sign I received my loan documents per phone, and it was not until after speaking with the representative I check my email for the documents. I did not receive clear information, regarding the terms of taking out this loan. Check your recording, I was shocked to see that what I did for { {$720.00} } dollars. For the { {$720.00} } dollars I was scheduled to pay back for { {$90.00} } for 9 months.The interest rates were unclear and not fully explained to me not explained by the Representative that the total would be about XXXX dollars 9 months.I am also, filing a complaint to the XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

I pull my credit reports and notice bankruptcies on my credit report. I reach out to all three credit bureaus asking for method of verification. I received notice that their verification came from LexisNexis. I sent LexisNexis 2 letters certified mail asking them where did they get their verification from. They have not sent me letters regrading this matter. I sent one in XXXX and another one in XXXX. It has being well over 15 days without a respond regrading my investigation. 

I have also attached my letter and certified receipt.
Product: Consumer Loan

On XXXX/XXXX/15 XXXX? XXXX pulled a hard credit report without my authorization. This was for paypal where I already had a account. They asked me for a differant credit card which I gave them. They never disclosed that they would pull a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues with the help of Midland Credit, to list a bill that I paid last month still owing on my credit report. I sent a money order for $ {$420.00} on XX/XX/XXXX and they still list me owing the same amount to Midland and to XXXX. It is the same bill listed twice and I have contacted XXXX by phone and by mail and they will not update my report. The bank says it is processed. I called the bank on XX/XX/XXXX .Why should I pay a bill if Midland is not going to honor my payments? Midland is the collecting agency for XXXX. MCM account number is XXXX. 
HELP please!
Product: Student loan

The servicer that currently holds my student loans never answers. I have called everyday for 2 weeks waited one hour on hold and no one ever picks up. I have been making principal payments to my loans and I would like them allocated to a certain account. How can I have my loans transferred to a new servicer with better service?
Product: Debt collection

I previously disputed the phone transfer costs with XXXX and XXXX XXXX XXXX XXXX The dispute was successful and all collections were removed. The collection company was XXXX XXXX XXXX XXXX XXXX XXXX The collection was officially removed XX/XX/2021. Since then it has been sold to a company names Receivables Performance. This is a duplicate of an item previously disputed and should be removed from my credit.
Product: Credit reporting or other personal consumer reports

You settled a. Class action lawsuit with Lexington law group. A few people I know who used them and received a payment check. My information was hacked and suffered a greT deal too. More than them. Where's my check?
Product: Credit card or prepaid card

My citi card was charged XXXX on XXXX-17 for XXXX internet security a Russian company.Prior to this charge I contacted them via internet and said to not charge my account.I have protection thru my cable company.I also called citi cards and explained to them the rep.suggested we destroy the exsiting card and issue another card with different account numbers so this XXXX company could not automatically charge the new card.This conversation may have and should have been taped by citi cards.My complaint is 2 fold against citi cards for not protecting my credit and against XXXX for charging for something do n't want and by the way never downloaded their info to be used.
Product: Credit card

Booked a travel ticket with XXXX XXXX. Immediately canceled the ticket and never travelled with provider. Was never issued a refund. Initiated charged back which was then rebilled.
Product: Debt collection

My information was illegally shared to a debt collection agency. This agency has reached out to family members with my personal information and continues to call me daily to attempt to collect a debt that I do not owe to their company. The company is Midland Credit Management and the account was sold to them illegally XX/XX/2020. I have attempted to request, The name and address of the original creditor, A copy of the original contract or agreement related to this debt, Documentation demonstrating how this debt was legally transferred to your company. The company never responded. 
Per code 15 USC 1681, this is considered a data breach. My personal information was shared without my permission.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : MERCEDES BENZ FINANCIA XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
MERCEDES BENZ FINANCIA XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times since XX/XX/XXXX to reach a real person at Equifax in order to lift a security freeze on my credit report. I was initially blocked from doing so when I tried online and prompted to call Equifax. It is simply impossible to reach them as each time you call you are prompted to enter information on accounts that are impossible to give the right answers to as you are blocked from your credit report in the first place and many of the questions sate from 10 or more years ago. I finally was able to get through to an agent and was told to fax identifying info to Equifax, which I did a week ago and was told it would take 5 to 7 days to lift the freeze and I would get letter by US mail when it happened. A week later and I may lose an apartment to rent because they still have not unlocked my credit report, and I still can not get through to a live person to find out what the delay is. I need them to call me directly to discuss this matter. 

It is totally unacceptable the manner in which they make it impossible to talk to a live agent.
Product: Mortgage

I XXXX XXXX XXXX, SSN XXXX, opened a mortgage in the amount of ~ XXXXUSD with Wells Fargo on XX/XX/XXXX. Wells Fargo foreclosed on my property utilizing a 3rd party servicing law firm " XXXX XXXX XXXX  : XXXX XXXX XXXX , XXXX .

XXXX XXXX XXXX XXXX, MA XXXX PHONE : XXXX FAX : XXXX I owed both state and federal taxes not directly tied to the property. Ultimately, I submitted a complaint to wells fargo and the CFPB as wells fargo contractually was responsible ( based upon the language in the foreclosure contract/agreement published by XXXX XXXX XXXX and authorized by wells fargo. Wells Fargo has not reviewed the XXXX XXXX XXXX agreement, and XXXX XXXX XXXX is now refusing to provide the agreement to me. The agreement was emailed to me at one point but due to my phone being stolen I can't access the agreement. It is important to note an executive resolution specialist by the name of XXXX XXXX called me on XX/XX/XXXX where we had a robust discuss. It's also important to note those phone calls are recorded.Essentially wells fargo is skirting liability by what I call creative nomenclature. In my instance wells fargo tied my FHA loan to a bank statement that said XXXX XXXX, instead of my federal tax return which has my full name XXXX XXXX XXXX or XXXX XXXX XXXX. Upon closing I provided my passport and license which both state XXXX XXXX XXXX. I believe I uncovered a major scam where wells fargo is defrauding consumers. For example, if wells fargo only tied the loan to XXXX XXXX, when they submitted paperwork for either a judicial or non-judicial foreclosure process unpaid taxes and liens would not show. It's important to note the loan is attached to my consumer report which has my name of XXXX XXXX XXXX or XXXX XXXX XXXX minimally. The bank is essentially tying the loan to whichever leaves them the least liability that they need to disclosure in the event of a default. I've done some research and I can prove they have done this to numerous consumers and I've solely been able to prove this be true based upon public deed records. I will be describing more when I go public as it is very difficult to tell the full story here. Ultimately Wells Fargo is defrauding the US government, investors, consumers, and is causing many families to be homeless, damaging their credit reports, and undermining FHA loans. Also listen to phone calls recorded on XX/XX/XXXX and XXXX- Wells Fargo or a  representative contracted by wells fargo N.A assured me they would not lose. delete or misplace the recordings of our discussions and they also stated they would be mailing me a statement that said they listened to all of the calls prior to reaching a decision on the matter. The resolution specialist I last spoke to was XXXX XXXX extension XXXX. 

I previously submitted a CFPB complaint under # XXXX-XXXX. I also notified the FBI.