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

I have sent and placed several telephone calls to XXXX and Experian regarding the Bankruptcy that listed on my credit report that I am requesting to have deleted immediately and a financial compensation of {$3000.00} granted to me due to the financial harm it has caused me. Over the past several years the alarming rise in identity theft due to security breaches arising in part from the growing amount of personal data on individuals that is now available electronically through public sources, has prompted the federal courts to amend the Bankruptcy Rules 1005 and 2002, which took effect XX/XX/XXXX. I have recently been contacted by XXXX that my information was exposed in their data breach in addition to my personal information being compromised in the XXXX, XXXX, and XXXX data breaches. 

These rule changes require the United States Trustees and the XXXX XXXXXXXX trustees to change certain procedures relating to debtor identification. Rule 1005 was amended to implement the Judicial Conferences privacy policy limiting disclosure of a debtors full Social Security number ( SSN ) on bankruptcy petitions to only the last four digits. Because of this fact, how can the Credit reporting bureaus verify that the bankruptcy based on this policy utilizing the XXXX system belongs to me by reviewing the last 4 digits of a social security number. 

Also, Rule 2002 ( a ) ( 1 ) was amended to require the Bankruptcy Clerk to include the debtors full SSN on the Section 341 meeting notice that is sent to creditors, the U.S. Trustee, and the case trustee, but not on the Section 341 meeting notice that becomes part of the court record. Again, because of this fact, how can the Credit reporting bureaus verify that the bankruptcy based on this policy utilizing the XXXX system belongs to me if my full social security number is not included in the court record. 

In addition, I am attaching a letter from XXXX XXXX who is a 3rd party data furnisher for Experian, and they do not have a record of me in their system. I have submitted a request to XXXX XXXX on 3 occasions and each time have been told that there is no record on file for me. I am also attaching an email from the XXXX XXXXXXXX branch, and it states that XXXX  does not contact consumer reporting and credit reporting agencies. XXXX simply provides access to federal court records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times reaching out and I am done. They send me copies of and old Teen Checking Account. I am talking about the WellsFargo Credit Card that I have never seen or even had in my possession. Please make it make sense. This ongoing saga of Wells Fargo and alleged cases of fraud leaves me with only two questions : As this case refers to actions from XXXX to XXXX, and as the previous cases were also from earlier years, is this something that finally will stop? Does the bank have the necessary culture, controls, and management to eliminate the problems? 
Why would anyone trust this bank in any form at all?
Product: Debt collection

As advised by the CFPB representative, I am filing the repeat complaint as the defaulter company is not responding to the orginal complaint # XXXX. Following is the details of the complaint This complaint is against XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ). Here is the sequence of events as it happened 1. XX/XX/2018 - collection worth {$160.00} added in my XXXX  credit report by this agency for not settling pending dues for apartment rented for XXXX XXXX XXXX. Informed collection agent that, I did not receive any statement and asked for dues statement 2. XX/XX/2018 - Statement received from collection via email 3. XX/XX/2018 - Dispute raised via email. Statement had many discrepancies and invalid amounts. Main discrepancy in the statement is {$90.00} added under the head of " XXXX - Error Charge ''. They have also added additional collection charges on top of original dues. 
4. XX/XX/2018 - Sent the dispute by post as no response from agency for email for more than a month 5. XX/XX/2018 - Agency replied that they have done the review and the amount found to be correct and did not provide any clarification on the discrepancies. ( See CollectionAgentDisputeResponse.pdf attached ) 6. XX/XX/2018 - Sent letter to agency and asked to clarify amounts in detail. ( See DisputeLetter.pdf file attached ) 7. XX/XX/2018 - Letter was received by collection agency. ( See the  USPSTracking.png attached ) In between, I have reached the original creditor, XXXX XXXX XXXX, for clarification on the discrepancies and got clear reply that the collection agency has the details about the statement. 

I have made multiple attempts on XX/XX/2018 and XX/XX/2018 to reach the collection agency by phone. They are now applying confusing communication tactics to forcibly collect invalid amount which they are not able to clarify. here is how they respond to the calls : 1. Keeps quiet when asked about the clarification and calls gets automatically disconnected abruptly multiple times. 
2. Telling me the dispute is still in review and do not provide ETA when the they have done with their review on XX/XX/2018. 
3. Keep my calls on hold and transferring to a person who is not available. 
4. Calls up my friend when they have my contact information. 

I have already informed the collection agency, that I am willing to pay the dues if any once they clarify the discrepancies. But they are intentionally delaying the resolution of dispute which is affecting my credit score and causing mental harassment to me and my friend.
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub>XXXX XXXX  my friends and I decided to purchase concert tickets from a seller on XXXX. The seller was asking for {$250.00} each for the three of us. Seller stated that the reason they were selling tickets was because she was pregnant and was no longer able to go. We sent {$750.00} to the seller through Zelle to their " email '' which was XXXX. After some time tickets were still not transferred to me so I messaged them again and they then said that they needed another {$50.00} each for the transfer fee. There never was/is a transfer fee with XXXX. We never got sent our tickets meaning we were scammed. I proceeded to call both XXXXXXXX XXXX and Zelle and they failed to provide me any sort of help. Very disappointed with this system, never got our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about the unverified negative accounts that i am not aware of that was placed in my credit report. Please help me look into these because the bureaus wont act on them despite the numerous times that i have written them. Please see attached files for these accounts.
Product: Debt collection

HI : I am XXXX XXXX XXXX I had XXXX accounts on XXXX they were open it on XXXX XXXX XXXX ( Num. XXXX ), and XXXX XXXX XXXX ( Num. XXXX ), my issues are On XXXX XXXX XXXX my financial institution ( XXXX XXXX XXXX XXXX ) notified me by mail, about some irregular transactions made, on my visa card, from ( XXXX or XXXX XXXX XXXX XXXX. XXXX Authorized Retailer ), causing me problems with my credit, credit line, credit score and my piece of mine. 

The issue that I have now with, ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) is the account ( Num. XXXX ) has been send to a different debt collection company name, ( AFNI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX Who is billing me {$460.00}, basically is the same issue stated on my first Complaint with the case number XXXX, on XXXX XXXX, XXXX, with Related Case Number : XXXX, for the account ( Num. XXXX ), resolved in my favor, Please help me with ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) from their continues harassing. 
I am summiting again the document, that include in detail the unauthorized transactions and the step taken so far, from my financial institution ( XXXX XXXX XXXX XXXX ) and myself.
Product: Checking or savings account

I wrote a check for someone back in  XXXX     2016 a nd the person lost it. I reported this to bank of america and submitted an official claim.   A month or so later I noticed a fraudulent debit from my account ( made in  XXXX  while I was in  XXXX  - the check was stolen in  XXXX  ) and I alerted the bank. They told me to open another account and transfer my money over but keep the original account open as the refund for the check would go into there.   It 's now been 6 months since that happened, I still have not been refunded the check and my active account is constantly being charged the monthly fee for not having any funds  in it ( how can I  when it 's compromised?! ) as well as extended overdraft fees resulting from that.   At this rate the check amount ( a mere {$2 20.00} ) will not c over the fees I have been and continue to be charged by the bank. I feel this is being done on purpose and I am incredibly unhappy about it.
Product: Debt collection

On XXXX XXXX 2016 number XXXX called me back to back XXXX times and when I answered they had me on mute and hung up. They have been harassing me all day. I called back and asked them to put me on the do not call and cease and desist all my numbers. The agent argued with me and told me to go get some education and they would not stop calling me. Now they are still calling me and hanging up back to back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I formally contacted Transunion by letter on XX/XX/XXXX and XX/XX/XXXX in regards to the following unauthorized hard inquiries on my credit file. 

1. XXXX XXXXXXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX   XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXXXXXX XXXX   XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX Unfortunately, these items has not been removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a car XXXX and was charged of showing a date of last activity of XX/XX/XXXX with XXXX. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with XXXX with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the XXXX account and the other one showing it removed after I disputed it wtih XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 seven 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a cardholder for about 10 years now with Capital One and I'm on an automatic monthly payment withdrawal and have never been late on my payments. I have two credit cards with them in good standing. I recently received a copy of my credit report and noticed that CapitalOne reported from XXXX, XXXX, XXXX, and XXXX of four late payments with XXXX, three with XXXX  and three lates with XXXX. I tried to reach out to Capitolone to get clarification and no response. I am filing a complaint with you CFPB because i ran out of options and this reporting is putting a financial burden on me.
Product: Mortgage

Following a refinance on a reverse mortgage with Longbridge Financial L.L.C. I received correspondence via mail of a Release of Lien paid off for the amount of {$530000.00}. The amount of my monthly statements reflect the my current total loan balance is XXXX, XXXX. There are no delinquencies on my property. The explaination by the company representative did not in anyway detail the facts of my personal documentation. A difference of {$260000.00}. Please advise me as how I can mitigate this discrepancy.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX and the bureaus to remove these lates however, I have not been successful.
Product: Checking or savings account

Wells Fargo was not able to protect my account from repeated fraudulent account takeovers and theft after a fraudster initially changed my phone number and email in my account, turned off XXXX factor authentication and fraudulently added connect apps such as XXXX and XXXX. The fraudster replaced my phone number and email with their phone number and email initially on XX/XX/24 ( which I promptly reported to Wells Fargo on XX/XX/24 ) and then multiple times to carry out their crimes over a XXXX week period. Wells Fargo apparently made no attempt to flag the fraudsters phone number in their system. 
This resulted in the fraudster being able to steal a total of {$3400.00} in XXXX transfers out of my accounts, and this was after Well Fargo was made aware of the fraudulent phone number had been placed into my account. 
Wells Fargo is refusing to take any responsibility and is stating I authorized these XXXX transfers even though they were done with the fraudster 's phone number.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 seven years.

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

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX and the information must be deleted immediately.
Product: Debt collection

0n XX/XX/2018, {$810.00} was taken from my checking account with Huntington Bank without my knowledge and concent by XXXX XXXX. I then called XXXX XXXX and was told they can take money out any time they want. My situation stems from a disputed debt with XXXX XXXX XXXX, which was acquired by Huntington Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they shave not sent a response. Please help its having a huge damaging affect on my credit report and score.
Product: Credit card

I purchased shoes for {$90.00}. After a single XXXX mile run, the shoes sole started to break down. I should have been able to put hundreds of miles on my shoes before a break down event. I disputed the charge. From my account it appears CapOne adjusted the {$90.00} to a debit on my account on XXXX. I called and was told to wait on the mail to hand write a response. I got no such mail and the issue has been resolved. 
I need a {$90.00} credit as the shoes purchased were not fit to be running shoes even though the brand and box stated as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting 30 day late payment removal under the CARES Act. 

On XX/XX/XXXX, at XXXX I spoke to a TD AUTO FINANCE rep who confirmed they made an accommodation on XX/XX/2021 to waive my late fee of {$18.00} for my 30 day late payment for XX/XX/2021, Because TD auto finance gave me an accommodation, under the CARES Act they are no longer able to report my account late on my credit report. I explained to the rep but she informed me that she was unable to do so.I would like my TD Auto finance 30 day late payment to be reported on time instead of late.
Product: Mortgage

My home was damaged during Hurricane Ida. My Insurance company awarded me {$17000.00}. I had to sign the check and then forward to Flagstar to go into my escrow. I have been trying desperately to get them to release {$10000.00} to pay my roofers. I have had one excuse after another. I have been trying for XXXX months to get this money. I talked to them on the XXXX of XXXX and I was told everything was received and approved and they would mail me my check in a couple of day. My roofers went ahead and put the roof on. I called them a few days later to check the check. They said on the XXXX they found an error. It concerned the W9 form. Something about a zip code. This is the third W9 form I have sent to them. This is ridiculous. I sent all of the papers in that they had me do and I doubled checked. Now they are claiming they do not have the estimate sheet which was sent to them. They do not want to get up off of this money. This is my money they are holding. My dealings with the insurance company were very smooth. They sent my money promptly but the mortgage company will not release it. I am so frustrated. I looked up their reviews and they were horrendous. So many people have the same problem I have. Not releasing their money to them. My roofers want their money and there is nothing I can do. This is the worst bank and I have read all of the reviews of people who are going through this headache. Everything I fix a so called problem another one pops up. It is ridiculous. Three times it was for a zip code which the company correct three times. The had the estimate sheet before and now suddenly they don't. I do not think they are every going to release my money to have my home fixed. Hurricane season is here again and I haven't got my money from the last one XXXX XXXX XXXX Please Please help me. I do not understand how this place is even a bank. There is something definitely wrong somewhere to have this many complaints. I just want to get my money to pay for my roof. I have not even started with replacing my fence yet. I know I am going to have to fight for that money also. I am XXXX XXXX XXXX and have never been through anything like this in my life. This is what I pay homeowners insurance for never dreaming I could not use it. HELP