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

AS A CONSUMER, I HAVE TRIED NUMEROUS TIMES TO HAVE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED DOCUMENTS TO ALL THE BUREAUS AND TO XXXX  DIRECTLY. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THE CARD ARE NOT MINE, THE ACCOUNT IS NOT MINE. 
WHAT I DON'T UNDERSTAND IS WHY PROVIDE FAIR TRADE COMMISSION OFFICE, THIS SPECIFIC ORGANIZATION WHEN THE AGENTS AT THE BUREAUS DON'T APPROVE ANYTHING. 

THIS ACCOUNT IS NOT MINE!!!!!!
Product: Debt collection

XXXX - XXXX Reported XX/XX/XXXX XXXX attempted numerous times to resolve they want the whole debt paid which I never purchased this and they were unable To provide me with evidence of me purchasing such goods. I called on XX/XX/XXXX when I applied through my bank to refinance the house and this came up. 

XXXX XXXX XXXX. XX/XX/XXXX Reported XX/XX/XXXX. AMOUNT DUE XXXX XXXX Never purchased goods tried numerous times to dispute and no remedy. 

ARS Account XXXX XXXX, Fl Medical bill for services rendered unable to obtain accurate information in order to resolve. I never received a bill to pay, as well was unaware of these charges. Attempted to contact and no answer. 


XXXX- XXXX Reported XX/XX/XXXX. {$390.00} for school? 

Never registered for clases in XXXX and XXXX XXXX College is charging for a class never taken and never registered. 

XXXX XXXX XXXX XXXX Medical services rendered Never receive bills for this service or notice. 
Attempted numerous times to resolve issue and they are unwilling to remove from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the account for this visa credit card in full on XX/XX/XXXX. The XXXX statement showed a balance of {$2300.00} with a minimum payment of {$4.00} by XX/XX/XXXX. I paid {$2300.00} on XX/XX/XXXX and {$4.00} on XX/XX/XXXX as shown on the statement. I never received any notification that there was a pending amount for any interest. Why are they charging any interest if there were no transactions? There were no minimum payments due on the following statements until XXXX of which I was never notified. I spoke to XXXX in customer service who indicated the alerts were turned off on the account and that no one had tried to contact me. I did not receive any e-mails or statements to indicate I owed anything until a letter on XX/XX/XXXX which stated I owed {$11.00} ( I dont know what for ) but I immediately called XXXX and paid and was assured the balance was XXXX. I check again on XX/XX/XXXX and it shows that I owe a balance of XXXX cents for who knows what since the account was paid-off and which I can not pay on-line. I again call and spoke to customer service and the charge was removed. However, XXXX has reported me to all three credit bureaus as being late. I was a faithful customer and never paid late. It was their fault for not sending me any notification and truthfully, what are they charging me if I paid the account in full, this is a scam against veterans trying to collect interest. I was trying to refinance my home and get a VA loan, but because of this account was denied as my credit score has dropped dramatically. I work very hard to ensure my credit rating is excellent. I pay all my credit cards on time which you can check, and I have never paid this card late. I want my consumer report fixed as this was not my fault but the negligence of XXXX for not alerting the customer of these bogus interest fee charges.
Product: Credit reporting or other personal consumer reports

I sent out my dispute and no one responded and when I noticed my credit report had inaccuracies I started quickly to get the information needed to file my dispute but no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things to my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Product: Debt collection

My son needed his XXXX XXXX XXXX. Our regular XXXX had sent us to XXXX   under the impression ( after XXXX had marketed to them that he was in-network with XXXX ) that XXXX  would be less expensive for us since he was a preferred provider with XXXX.

XXXX office lady told me they were preferred providers of my insurance and in-network. Per XXXX office policy I paid in full prior to XXXX XXXX, the amount I paid ( {$580.00} ) was the amount the office lady told me was my share after insurance, everything went well with the doctor. Then a year later, office lady calls me telling me they arent contracted with XXXX and that shes re-calculated and I now owe more! This is just bad business practice. Imagine giving your own client a quote on a service, providing the service, then later contacting them and demanding more money.

When Capital Accounts contacted me I sent them multiple letters and emails showing my receipt that I paid my account in full before services were rendered. I disputed the debt in writing and they still put it on my credit.
Product: Checking or savings account

I request the CFPB launch an investigation into Wells Fargo handling of their remediation program, specifically payments covering damages caused by unauthorized accounts, as well as their handling of missing payments. I've been filing numerous complaints regarding two missing payments from their remediation program, which are inadequate, do not cover damages sustained, as well as their reporting of payment ( s ) to IRS, for several months now ... Wells Fargo reps reply by verifying address sent to which I moved from prior, in which case I was not living at time of issue and nothing received. They also reply by showing checks cashed in which case, not by myself as again, I was not living at address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX, at the time.. I moved in XXXX of XXXX, I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. The documents/payments were sent after in XXXX of XXXX The payment amounts, XXXX as well as XXXX, do not cover damages to credit and loss of interest on deposits which could have been made, if I were able to open accounts had information not reported to consumer reporting agencies. Wells Fargo rep ( s ) supposedly removed information from XXXX XXXX XXXX, however, did not offer adequate payment amount for sustained damages. They replied in re by referring to letter agreeing to XXXX payment amount which was not signed by myself, it was sent to old address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, after I moved in XX/XX/2020. It appears payment amounts of {$3700.00} and {$500.00} were also intercepted, signed by person ( s ) now residing at address, which I have detailed in prior complaints ... XXXXWells Fargo reps reply again by verifying address sent to which I moved from prior, show checks cashed in which case not myself. It appears the extent to Wells Fargo replies solely includes verifying address sent to and checks cashed, will not offer adequate settlement amount which includes missing payments.. Further, they have not corrected IRS reporting of payment ( s ), it appears amount of {$3700.00} was reported to IRS in 2020. The last Wells Fargo rep replied by verifying checks cashed, again, which not by myself, no funds received. Further, there was no agreement to settlement offers, nothing signed by myself.
Product: Mortgage

Our new mortgage servicer, AmeriSave, failed to transmit our property tax payment to the County of XXXX within a timely manner. As a result, penalties were assessed, which the servicer agreed to take care of. However, they then forwarded payment for our taxes to the County three times for the same dollar amount. Now they are increasing our monthly payment and the loan principal without consent, and due to their error.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$500.00}
Product: Debt collection

I was an ineligible student at an ineligible school that is not accredited in the United States nor on the federal school list. The school is also not eligible under title IV to receive financial aid. I filed for bankruptcy in XXXX of 2016 and the company continued to collect the debt regardless of the stay. The judge approved the bankruptcy. The company still attempts to collect. I have referred them to my attorney. The company is not exempt from bankruptcy law as the debt was made through a for profit company and must abide by the court 's ruling.
Product: Money transfer, virtual currency, or money service

My Commerce bank Exceptional Cashier 's checks processed from and XXXX tax form owed to me for one year XXXX XX/XX/XXXX to XXXX XX/XX/XXXX from Commerce bank, not letting me know when they sent the Exceptional Cashier 's checks payable to me. I want to alert me when they have sent them via email. XXXX XXXX cashier 's check should have been mail printed XX/XX/XXXX and mailed on the XX/XX/XXXX in the amount of {>= $1,000,000}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation involves a previous complaint v XXXX who has corrected their error as follows : XXXX XXXX and XXXX are trade names of XXXX XXXX, a member of the XXXX XXXX. XXXX XXXX, Member FDIC. XX/XX/XXXX XXXX XXXX, AL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Account ending XXXX Dear XXXX XXXX, We received your request to investigate credit information on your account. We have completed our investigation and have removed the 30-day late mark for XX/XX/2021, the 60-day late mark for XX/XX/2021, the 90-day late mark for XX/XX/2021, the 120-day late mark for XX/XX/2021, and the 150-day late mark for XX/XX/2021. Accordingly, we have updated your credit profile on our system and will report the corrected information to the credit reporting agencies on XX/XX/2021. Please allow up to 10 business days for the credit reporting agencies to reflect the changes on their system. We apologize for any inconvenience this has caused you. If you should have any questions regarding this information, please contact our Customer Service Department at XXXX ( XXXX ). Sincerely, Operations -- Logistics Despite XXXX  correcting this issue immediately SEVEN months ago and now finally XXXX, Equifax apparently struggles to do the same as they still incorrectly reflect derogatory info on this account despite the XXXX letter copy pasted above clearly showing the account as XXXX  closed WITH NO LATE PAYMENTS ( charges were fraudulent and not my responsibility ) Without further delay, Equifax needs to ACCURATELY reflect my information INCLUDING my credit score which they gratuitously lowered OVER 100 POINTS from XXXX to XXXX. If all this is not enought their " system '' would not allow me to file a dispute because I filed with XXXX  ( XXXX  REPORT CORRECTED WITHIN 48 HOURS ). AS a mortgage loan officer in the XX/XX/XXXX's I've watched Equifax malfunction similarly dozens of times. Maybe it is time they closed their doors and left it to the pros @ XXXX. Please inspire them to fix this without further XXXX or delays or litigation will be initated. Guaranteed. Thank you. Respectfully submitted,
Product: Payday loan, title loan, or personal loan

I purchased a Mattress around XX/XX/XXXX from Mattress Firm in XXXX WA. I was never told about it being promotional in fact the sales person who sold the mattress said the loan was a two year loan and would be paid off in full after that. She said I could make regular payments. On XX/XX/XXXX I was charged XXXX on annual interest on top of being charged monthly interest for the lifetime of the loan. This loan was though Synchrony Bank. I found out about it being promotional only after months of making a regular payment and found out if I could not pay it off in full I would be charged an annual 29.99 % yearly interest for the balance. I tried working with XXXX and they told me I had to pay off the balance of XXXX in order to not be charged XXXX by XX/XX/XXXX. I dont know what to do, I cant make bigger payments right now and Ive been tricked into a lengthy and never ending loan for. XXXX mattress. I have made every payment on time and never missed. I cant afford to tack on another year. Im exactly back where I started I now owe XXXX. I havent used this loan for anything other than the first purchase for the mattress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive tried multiple times to have all 3 reporting credit bureaus remove 3 disputes, 2 on active credit cards placed incorrectly 3 years ago and 1 on my XXXX XXXX XXXX XXXX car loan. I did not dispute my XXXX XXXX MasterCard accounts nor XXXX XXXX XXXX XXXX and have asked that this language be removed from these accounts. These credit card accounts and my car loan are in good standing and always have been but are being reported as negative as a result of this. 
Additionally, there is a {$91.00} collection from a company called XXXX XXXX  this account does not belong to me I have no contract with this company and have no idea who they are I have asked that this information be removed from my report to no avail.
Product: Credit reporting or other personal consumer reports

I requested that XXXX XXXX XXXX XXXX acct # XXXX XX/XX/XXXX be removed from my credit report. Two issues with this account 1 ) This account belonged to my late XXXX XXXX XXXX XXXX XXXX ) this account was included in bankruptcy and the bankruptcy was given a hardship discharged XX/XX/XXXX due to his passing away. The account needs to be removed.
Product: Debt collection

traffic citation on XXXX in XXXX amount : XXXX euros full balance paid on XXXX account status : XXXX balance owed, closed Collection comapany : Cedars Business Services said no payments were made and attempt to collect balance of {$510.00}.
Product: Credit reporting or other personal consumer reports

Ive been contacting these bureaus every month to remove inquiries from my report, ive contacted them several times and sent in ftc reports multiple times via certified mail and their online portal. please remove these inquiries from my credit report. as the bureau keeps claiming they never received it. i will attach my ftc report here so they cant say they didnt receive it
Product: Debt collection

I had a credit card with the XXXX XXXX ( XXXX ) before my husband was laid off. We never missed a payment before his layoff. When we was notified about his layoff last year. I call XXXX XXXX ( XXXX ) and let them know what was happening and ask if their was a way to suspended the account. They told me no and that we would have to figure out a way to make the payments on the {$500.00} limit credit card. When we had to stop making payments we only owed around {$300.00}. Fast forward to XX/XX/2020, I called XXXX XXXX ( XXXX ) to try to arrange a pay to delete on the account that now has gone up to {$700.00}. I am told that the account was sold 3 days previously to GC Services and that I must call them. I have never received any validation from them on this debt. But because this is destroying my credit in the middle of my husband and I trying to buy a house I wanted it off of my report fast. I called GC Services on XX/XX/2020 and spoke to XXXX and asked to do a pay to delete and offered {$400.00}. She spoke to her mangers and asked if I could pay {$490.00}. I agreed if she agreed that this would make it paid in full and and not a charge off and she said that it would and I would receive a letter in the mail stating that. Again this was only a {$500.00} limit credit card. I received 2 letters in the mail from GC Services, The first saying they received my payment and my account is settled. The next is stating the date of XX/XX/2020 and the amount of {$490.00} I paid to settle my account. Neither one stating what she agreed to. After the payment cleared they still have the account as a charge off and change the amount from {$700.00} to {$210.00}. I have the whole conversation recorded because I had a feeling they might do something like this.
Product: Credit reporting or other personal consumer reports

They will not review my disputes, just keep sending letters saying they don't believe I'm disputing items.
Product: Credit reporting or other personal consumer reports

I am filling the dispute against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure that Equifax complies with the necessary proof of investigation. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To whom it may concen, I am sending you this email because of a recent bad experience we had with one of your lenders XXXX XXXX. XXXX originally reached out to my husband and I late XXXX stating that if we hurry we can refinance our mortgage to lower interest rate to lower our monthly payments. Of coure we agreed to refinance. We sent a cashier 's check for {$150.00} overnight to FHA. XXXX stated that we needed this by XX/XX/2019 because we have 2 subordinate loans. He then advised us that we could get a refinance without an appraisal and our monthly mortgage payments would be {$1400.00} per month. He also stated that if we wanted to borrow on our equity that we would need an appraisal. He stated either way that we wouldn't pay our mortgage for XXXX and XXXX. I have a text message confiming that. My husband and I talked about it and decided to borrow on the equity. We understood that our monthly payments would be {$1800.00} per month. We signed paperwork needed to get this started. On XX/XX/2019 I got an email from XXXX XXXX requesting a credit card so she could schedule an appraisal. That evening I gave her my credit card information and was charged {$500.00}. Our home was appraised for {$300000.00} which is much more than the XXXX we paid for or home 2 years ago. XXXX then had a conversation with us staing that we could borrow {$23000.00} to pay off all of our bills we agreed to that and were waiting for XXXX to send us paperwok to sign. We didn't hear anything from back from him. From XX/XX/2019 thru XX/XX/2019 we reached out to him several times with no response. On XX/XX/2019 he finally responded saying that he misspoke and that his numbers were off so we couldn't get any cash back. He recommended that we stay with the first loan. Now were out the {$500.00} appraisal fee. We agreed to stick with the first loan and decided at that point never to do business with him after this. He sent us the final paperwork on XX/XX/2019 at XXXX XXXX. Both my husband and I were still at work so we didi n't open the email until XXXX. We docusigned the paperwork. Then on Saturday XX/XX/2019 my husband got a text from XXXX telling us that " we missed the deadline and if we hadn't payed our mortgage for XXXX please do so now ''. My husband told him that after this we wouldn't be doing business with in the future. XXXX got mad and cancelled the refinance. Now not only are we out {$500.00}, we are late on our mortgage too! We trusted XXXX XXXX and he XXXX us. We paid bills with the XXXX mortgage payment because we trusted his word. Now we are in a financial bind because of his incompetence. We are having to use high interest credit cards and borrow money from family just to make up for his lack of professionalism.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$45000.00} XX/XX/XXXX XXXX XXXXXXXX {$5100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$440.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by XXXX XXXX XXXX, which has not provided me with a Form 1099-C ( Cancellation of Debt ) as mandated by IRS regulations. This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : Experian charged off amount is {$1000.00} and closed as of XXXX 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.
Product: Debt collection

I paid my statement balance to the XXXX XXXX {$3500.00}. That was the total due at the time I had the certified check mailed. When I called to request a paid in full letter and asked them to update my account I was transferred to Transworld systems and a person Name XXXX was very rude stated that she will not send me the letter verification that I paid in full until I pay her collection fees. The statement didn't include collection fees the statement had the balance I owed and that is what I paid. The are =damaging my credit by keeping the negative balance on my credit after I paid the debt in full,. They are reporting in accurate information. I Pid in full on XXXX send the payment overnight to Transworld systems.