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

As of XX/XX/2019 and disputes handled through CFPB Vanderbilt Mortgage agreed to the deletion of my credit trade line with them due to ongoing innaccuracies being reported. 
As a result Vanderbilt has submitted a letter to all major credit bureaus regarding the deletion of this trade line. Since this time XXXX  continues to say the incorrect information has simply been updated and has failed to remove this trade line. Even after being provided a copy of the letter from Vanderbilt on several occasions. XXXX  explains that upon disputing this information the update info based on what Vanderbilt gives them. However Vanderbilt states they have not updated any information since providing the letter to delete trade line
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  # XXXX XXXX  # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 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 can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section XXXX : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse items 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 ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Opened a checking account with Citibank on XX/XX/year> and have not received debit card. Called to get another one sent but cant access account because I dont remember the security word I used. There is not a Citibank in my state. I gave them social security number and account number but its not enough. I just want to access my account and get a debit card.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received an email from XXXX XXXX XXXX that I made a subscription of {$390.00} which I did not do. They left a XXXX number below the email to call for a refund which I did and spoke to XXXX who told me that I have been refunded and that I can check my account and see if I received the refund. I opened my online banking with Wells Fargo and noticed transfers to XXXX and XXXX on XXXX XXXX and XXXX which I did not do. XXXX told me that he was going to help me recover my money with a dummy money of {$10000.00} that I saw in my account which I need to transfer to one XXXX XXXX in XXXX who is responsible for the illegal transfers in my account. He said that I should not talk to bankers because they want to find out who they are who he said might be working along with the fraudsters. I was directed to go to my bank and make the transfer. I did that. They left a XXXX number to call the next day so that I can get a full report of those that stole my money. I called the number but there was no response. I was told it is not a working number. I ran back to Wells Fargo bank and narrated my experience with these suspected fraudsters. I was given a fraud claim number. 
Each time I called the number I was told that I would be given a new claim because they can not locate my number. After 4 different claims I was directed to the branch manager XXXX XXXX on XXXX 2021, who told me that she was going to escalate my case and that I will receive a response from them in 10-15 days. I waited. I received a protected email from Wells Fargo who told me that after careful investigation that trying to get back the fraudulent wire transfer of {$10000.00} from XXXX all was to no avail. So, for that very reason, I will not receive any claim from the bank.
Product: Debt collection

XXXX XXXX XXXX acquired my credit card debt took me to court in XX/XX/XXXX the judge dismissed case of the length of time the debt was inactive. in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX tried to garnish my wage from XXXX XXXX.I was to served court papers to go back to court.I finally sold my home in XX/XX/XXXX and had to pay a lean of {$27000.00} plus for the lean.
Product: Credit reporting or other personal consumer reports

I have took a look at my credit report recently and I'm honestly furious seeing my credit report reporting inaccurate information against me. I see inquiries that I did not authorize. According to 15 U.S. Code 1681c2, a consumer reporting agency shall block the reporting of information that results from an alleged identity theft. This is a form of identity theft. 

The following inquiries I did not authorize : XXXX and TransUnion : XXXX XXXX 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, Equfax, XXXX XXXX is reporting false information on my credit report involving a collection account after numerous times to investigate it they come back verified as true. 

XXXX in complicit in aiding debt collector XXXX in illegally Re aging this account. 

Account XXXX, XXXX XXXX account number XXXX. 

XXXX is reporting the open date is XXXX in an attempt to keep it on my credit report longer. 
The actual open date is XXXX the account is close to 7 year mark for removal and I want it removed. 

I have not made any payments on this debt to XXXX and to any other collection agency and any payment made on my behalf is fraudulent and I request any reciept which claims payment made. I dispute the debt and have not and will never make a payment on this alleged debt. 

XXXX XXXX tried to collect the debt on XXXX on behalf of XXXX and XXXX has numerous times tried to collect the debt without proof that would hold up in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I was a victim of the Equifax data breach, and as a result, obtained XXXX  Identityworks data monitoring. I unfroze my account with Equifax in the fall to get a loan, and discovered last night that I am a victim of identity theft. According to XXXX, a credit card was opened in my name and my address was changed. I called Equifax this morning to put the freeze back on to my account and they refused to do it without charging me {$16.00} a month. I mentioned that I was a victim of their data breach and now a victim of identity theft, they refused to help and referred me to the hotline for the lawsuit. 
I just want my freeze back, and as a victim of identity theft am legally entitled to it. I don't want some guy in a call center trying to hustle me to subscribe for an Equifax product, when they were the source of this problem. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to several negative items appearing on my credit report related to various accounts that have been charged off, late payment accounts, and collection accounts. The following accounts are the ones I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Account I dispute the accuracy and completeness of the information reported by your organization regarding the above-mentioned accounts. I believe that there are errors in the information that has been provided and that they have been reported in violation of my consumer rights. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) states that any information reported to the credit bureaus must be accurate, complete, and verifiable. It is my right to dispute any inaccurate information and to have it corrected or removed from my credit report. 

I also believe that the reporting of this information has caused significant emotional distress and hardship for me. I request that these negative items be removed immediately as they are affecting my credit score and financial well-being. 

I request that you investigate these accounts and remove any errors or inaccuracies that you find. Please provide me with written confirmation of your findings and any action taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was charged {$5000.00} on XX/XX/XXXX by ( XXXX XXXX ). I did not receive the services that was promised. I tried to work it out with the owner XXXX XXXX after filing a complaint in XX/XX/XXXX. I have record of all of our correspondence including his admission that his poor business decisions were not my problem ( from email dated XX/XX/XXXX ) and he would be in breach of contract if he did not deliver the product by XX/XX/XXXX ( from email dated XX/XX/XXXX ). When i held him to this and offered him the option of a payment plan, he became very aggressive and refused to cooperate. He claimed that he had been waiting for my response which I believe to be untrue. I had no problem receiving his email when I filed the first complaint or his responses after. He then stated he would consider the matter closed and deliver the product mid XX/XX/XXXX ( from an email dated XX/XX/XXXX ) which i have not received to this date. I even went to the website he provided me that was to track all of our correspondences which I am unable to log into. You can find this information in our entire email correspondence that I have attached. If XXXX XXXX refuses to issue a full refund, i will make a formal consumer complaint in the state of California and Hawaii.
Product: Credit reporting or other personal consumer reports

Experian - Log in Account Hacked Multiple Times I can not log in to my Experian Account because the log in email keeps getting changed. I cant contact anybody because I cant get a human on the phone and I can email anyone the screenshots. From the forums online multiple people are having this issue. Ive had to issue Fraud alerts accounts are attempted to be opened etc I cant get help from them and MY DATA HAS BEEN COMPRIMISED. 

I have called multiple times and CAN NOT get help or a PERSON.
Product: Debt collection

I received two letters in the mail today, XX/XX/XXXX, from Consumer Collection Management IncXXXX in XXXX  XXXX, MO. One was addressed to me, XXXX XXXX, and the other to my son XXXX. I called the agency immediately because we have never been to the dentist that the agency is representing ( XXXX XXXX, XXXX XXXX, MI ). Furthermore, we have insurance through my husbands work so there is no possible way we could have an outstanding bill without receiving a letter from our insurance company or the dentist ( Our dentist is XXXX XXXX in XXXX XXXX ). When I called the collection agency to get information, I was told I was rude and was hung up on. I called again and I spoke with the manager named XXXX who laughed at me when I said I felt I was being scammed. He badgered me and spoke over me repeatedly. I dont find receiving a collection letter from a place Ive never been humorous nor something I should regard as no big deal. He dismissively said they could send me an itemized bill but couldnt tell me over the phone because of HIPPA. Its outrageous and I still think Im being scammed. I want immediate answers. When I XXXX  XXXX XXXX, there is no location in XXXX XXXX, Mi which further adds to my suspicion.
Product: Debt collection

American Express sent my billings to the wrong address for months after they were advised that I had moved. Bills were not delivered to me until months later. When they turned bill over to XXXX who immediately contacted my ex wife, even though she was not a cardmember. They contacted her before I even received notice that they were involved. They advised her who they were, what was owed, etc. This is not the first time this has happened. This happened several years ago on AE account XXXX. They went so far as to call my children to attempt to collect the debt, threatened me with court and called continuously, even though they were advised not to. American Express was made aware of their actions at that time but still uses them. It would appear to me that AE is aware of the problem and approves of their tactics.
Product: Debt collection

This {$970.00} collection is showing up on my report.I do not know this Dr. office or Doctor. have never been there. I have left messages at the office but no one will return my call for 2 weeks now. I am a vet trying to purchase a home and I really need this off my report. Also I have never been to see a XXXX.
Product: Mortgage

Fay Servicing is the most XXXX  mortgage servicer out there. They have bought insurances on my behalf even after sending proof of coverage on numerous occasions. They have bought coverages that are not required in the state of NJ such as wind coverage therefore throwing off my escrow balances. After I called numerous times to resolve this they finally admitted wind coverage was a mistake on their end. With the addition of wind coverage this took my monthly payment from {$3500.00} to {$4500.00} per month. Even after I called and this was removed from my loan and on XX/XX/2023 they secured {$4500.00} payment instead of the {$3500.00}. Called in and spoke to a rep who said they cant do anything and to wait until XX/XX/XXXX until the original payment goes into effect. This isnt the only issue Ive had with Fay Servicing in the past. I have been told I am able to remove escrow services from my loan from a few reps then when requesting this to the servicer via email they refused and deny this. They should not be handling anyones escrow as they are making mistakes and costing me money as well as time to get this resolved because of their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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

On my profile report, I found that there were unauthorized accounts that were unlawful. The fact that you've included the information below in my credit report and omitted to use reasonable means to ensure the highest possible accuracy in the credit reports you distribute bothers me. Credit reporting requirements ensure that only the most accurate information is made public. Each step in the progression should be followed to ensure the accuracy of the data presented. It's important to go deeper into the supporting data in this manner. Despite carefully reviewing my credit record from your service, I've been unable to locate any erroneous or invalidated accounts. As a result of the XXXX data breach, which may or may not have exposed my personal information, I am unaware of any items or erroneous information of this kind. You're not following the FRCA 's reporting requirements since you're filing your reports carelessly and erroneously. I understand that as a federally protected consumer, you are unable to hire a counsel to defend yourself against me. 
Under TILA 1640, I'll sue the company for at least 1 percent of its stock value, or any other amount of damages up to and including $ XXXX, and seek a default judgment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  closed my card on XX/XX/XXXX without my knowledge and apparently I wouldve had XXXX days to XXXX  with them to open it back up, but since I didnt know, I didnt have those XXXX days. The problem is the reporting to the credit bureau that I closed the card and I didnt and I have a beautiful payment history. when I spoke to XXXX, they told me file complaint with the credit bureau full well knowing they were going to get away with us and they have so far. I need your help. Theyre ruining my credit that Im trying to rebuild from a XXXX  bankruptcy I had to do and was discharged in XX/XX/XXXX XXXX XXXX  closed my XXXX card XX/XX/XXXX without my knowledge stating I closed the card on the credit bureau . Same thing that was done to me at XXXX XXXX. I believe this is a ruse theyre using. again, I had a beautiful payment history. I sent documents in from my bank showing that the payments were made on time every time, and they were not returned as I was accused of! And then the reporting to the credit bureau that I closed the card! Evil & and my score dropped significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I can not get ahold of XXXX or equifax on the phone. I just simply want to dispute my credit report because the last transaction was refunded but after my statement date passed. I need a retroactive adjustment to my balance. They used the wrong information to adjust my credit score. That transaction took me from 4-19 % usage which lowered my credit score when it should only be 10 % usage because the transaction was refunded.

I can not get them on the phone. The automated service ai voice prompt they use studders and glitches. I also get 2 different voices when calling. I don't know what to do. I can not get ahold of them.
Product: Payday loan

the lender will not stop calling harassing me and my family members this payday loan was from over XXXX years ago I filed a bankruptcy in XXXX 2015 Case Number XXXX that has not been discharged or dismissed it is still active -- XXXX phone number is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed an XXXX about this account. 
This is not my account. 
They keep contacting me.
Product: Credit card or prepaid card

i brought something from a seller i met on XXXX i used XXXX  to complete a transaction with them. the seller got my money then told me i had to wait until the next day to receive the documents i paid for. he stopped answering the phone and i tried to dispute it with XXXX but they told me they wont do anything about it. i then went to my card company and explained that i was scammed and wanted to reverse the transaction since i didnt get anything for the {$150.00} that it cost me. they claimed to do an investigation and found no error. I was scammed and told them this and they still refused to give me back my money. there are 3 people involved in this transaction besides me and no one is willing to give me back my money or the product i paid for. I dont understand how they can just decide that there was no error made when i paid for a product that i never received.
Product: Debt collection

I received a voicemail today from a debt collector claiming they were the XXXX XXXX XXXX XXXX XXXX. I looked up the phone number and its registered to Capital Recovery Systems Inc. I have no idea if these people are legit or not, they dont give you an option to view any information regarding your specific debt, nothing stating what the debt is, just a payment form. I have the voicemail saved which has them identifying themselves as the XXXX XXXXXXXX XXXX XXXX XXXX Ive never received ANYTHING from this company which provides information regarding the supposed debt. I dont have an account number, amount due or even the original debt holders information. It seems very suspicious, if the debt is legitimate they should be able to provide specific details.
Product: Credit reporting or other personal consumer reports

This is my second 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 items 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 items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9600.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.