23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX I opened the account at arvest bank and they say that I owed XXXX to them. They say it's because of fraudulent activity in my account. I never had fraudulent activity in my account. I want to have this removed ASAP. I'd like to open a bank account. Thanks
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit card

I applied for and was approved for a card from Upgrade in early XXXX. Approximately XX/XX/XXXX I received an email thanking me for activating my card and then emails that day and the next with alerts regarding purchases on XX/XX/XXXX and XX/XX/XXXX. I immediately called ( XX/XX/XXXX ) and informed the company that I never received the card, never activated the card and that the purchase being made were not me. I responded to emails they sent regarding this activity providing statements to those facts. On XX/XX/XXXX i received an email indicating that the charges do not fit a pattern of typical fraud and they were declining the dispute. The charges on XXXX at XXXX  gas for XXXX and XXXX, on XXXX at XXXX XXXX XXXX XXXX and on XXXX at XXXX XXXX for XXXX and at XXXX XXXX for XXXX. These gas stations and restaurants were primarily in XXXX XXXX XXXX XXXX nowhere near me and certainly not places i travel to ( high crime areas ). I called again that day to dispute these items and their customer support indicated they were sending this to another department, and someone would contact me... that has not occurred. Additionally, I have filed a report regarding this stolen CC with the XXXX XXXX XXXX XXXX XXXX  station trooper XXXX XXXX. I received an email today indicating my account is past due and these charges are still on the account. Please help, these are fraud and no one is listening. I am attaching some of the correspondence to these issue.
Product: Debt collection

I resolved this debt with a settlement in XXXX of XXXX. Radius Global Solutions stated that upon payment they would remove this adverse credit from the credit bureaus and til this day its still on there. Although they sent me a letter saying this debt was resolved. Every time I try to dispute it to remove it from my credit they wont do it! Although they said they would having reaching a settlement.
Product: Mortgage

In XXXX of XX/XX/XXXXwe decided to build a house in XXXX XXXX, SC. and we put a {$75000.00} mtg on it with The XXXX XXXX XXXX After a year had passed I decided to put a LOC on the house and we did, with XXXX, a {$100000.00} amount. Years went by and we made our payments. In XXXX of XX/XX/XXXXan individual stole 20 checks from my Business ckbk forged and negotiated them. For the first 9 there was money in my ckbk and they cleared but the final 11 bounced and I was held responsible. I served 11 mos incarcerated from XXXX to XXXX. 

During that time period there were no payments made as both my S/S and VA cks were stopped and my wife could not make the pyts on her $ XXXXmo S/S ck. When I was released I immediately called both Banks to attempt to negotiate a pyt program to deal with the non pyts. XXXX XXXX was very ameniable, Nationstar was not. As you can see from the monthly statements, XXXX 's past due amount was {$2100.00} and Nationstar 's was {$17000.00}. I tried without success to find out what caused the disparity, but they would not tell me. Nationstar said they notified me XXXX XXXX ( I never received it ) that they had declined my Modification request because of eligibility requirements : they could not reduce our monthly payment by 10 %. I told them I did n't need to reduce my monthly payment- I wanted them to put my Past Due amount into the Principle amount and change the term. 
They said they could not. I then asked them for a copy of XXXX XXXX 's eligibility requirements and they refused. 

My monthly P & I pymts are : Nationstar- {$400.00} & XXXX 's {$270.00}. That 's a total of {$680.00}. Over the the 12 years we have never escrowed any Taxes, Ins or HOA fees, we have paid them. 

My house has appraised between {$330000.00} and {$350000.00}, leaving an equity of approximately {$150000.00}. At the moment my monthly income is {$3600.00} ( {$43000.00} ) from the S/S, VA and a small pension ( proof attached ). We have a small amount of consumer debt and a car payment. I have attached a filled in XXXX XXXX XXXX form XXXX that was sent to Nationstar XX/XX/XXXX My wife ( of XXXX yrs ) has XXXX XXXX in a XXXX, and recently had a XXXX XXXX and I have no interest in moving. We would just like Nationstar or " XXXX XXXX '' to help us create a program that we can live with for the remainder of our lives. Anything that you need as additional info I will quickly provide. 

Thank you for your assistance XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, SC XXXX XXXX XXXX
Product: Mortgage

loan care which is my mortgage company through my va loan, put me in forbearance upon my request for 60 days. however, they keep sending me letters asking for my missed XXXX payment of 2022. i dont know why they keep asking me for this whenever they put me in forbearance. they also told me they cant help me in regards to me being a XXXX vet with no job and if the issue arises to where im no longer able to pay the mortgage to them. i am a XXXX veteran and i am permantely and totally XXXX through the va as well and that means i cant work. i am requesting assistance in getting the loan paid off as much as they can help me with it
Product: Debt collection

We keep getting calls from an agency. When call them back to find out about the debit, I am told they do n't have a record of my number and they will take me off the list. The calls have not stopped and I have called them several times with the same result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete for inaccuracy and false reporting : The Date of Last Activity is not the same three different dates listed for Experian XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX same with Last Payment Date is not accurate. Experian XX/XX/XXXX and XXXX XX/XX/XXXX. Incorrect date opened is listed XXXX XX/XX/XXXX and ExperianXXXX XX/XX/XXXX XXXX No date closed listed for Experian XXXX XXXX. Inaccurate information listed for High balance XXXX XXXX Experian/XXXX XXXX XXXX I have sent in multiple disputes via usps mail and have requested verification of how the information was verified. I have no received any documentation nor a far investigation within one week of the credit bureaus receiving my dispute the investigation is updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to respond
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

There are XXXX entries listed on my credit report which I have tried to remove previously. Apparently, someone with a similar name to mine filed bankruptcy twice in different cities and they XXXX appeared on my credit report. I have sent in letters as well as disputing through the online system that someone with a similar name had filed these public records and it was not mine. Unfortunately, Experian sent a letter advising that these were verified and would remain on my account. I got frustrated and contacted the XXXX and XXXX bankruptcy courts and they advised that they do not provide anyone with a debtor 's full social security number, and they definitely do not provide any credit bureau information relating to any bankruptcy cases. Experian should now that it is a violation of the FCRA to report erroneous information on someone 's credit report.
Product: Debt collection

Midland is charging me XXXX $ they are saying they are a debt collector. I told them to please provide me with the purchase agreement and they declined to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company- Experian Called and was stated to file complaint with FTC Fraudulent Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

Iam filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency. It remains unresolved, I request immediate investigation and removal of this item. As it is incorrect and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 
Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXXXXXX XXXX XXXXXXXX XXXX I don't recognize this lender and account Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX I don't recognize this lender and account. 
Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I don't recognize this lender and account. 
Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I don't recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to the bureaus in regards to the 4 collection accounts not associated with me along with inquiries that was ran without my knowledge or consent, I advised they do a proper investigation, XXXX removed the accounts that were not associated with me but hasn't removed the inquiries, Equifax and XXXX has the following collection accounts and inquiries reporting that aren't mines. I attached the police report along with this to get it resolved.
Product: Debt collection

I ( XXXX XXXX ) received a XXXXspam ' call from phone number # XXXX. In a voicemail left on my phone, this individual identified herself as XXXX XXXX. I saved the voicemail due to its threatening nature. In the voicemail, she immediately said she was a Compliance Officer w/ the State of Colorado , formerly serving me by telephone voicemail. When leaving a call-back number and " case number '' information, she said it almost too quickly for me to be able to identify it. She left a " case number '' of XXXX. She left a call-back number of XXXX. This is for Reeltime Capital, which I did not find out until after I called XXXX XXXX to verify. XXXX XXXX acknowledge they sold the debt and that this individual violated FDCPA by threatening to take me to court for intentional fraud with no proof of that. In fact, I am able to prove that I lost my employment of 11 years in XX/XX/XXXX  and was unable to pay at that point. I did stay in communication and was current, up to that point. There was never any deception, on my behalf. This is completely unacceptable. She was extremely rude to me and tried to collect the debt personally, herself, when she's a process server, and not a collections agent. In addition to that, I do not believe it is legal, in the state of Colorado, to " formally serve someone over the phone ''.
Product: Credit reporting or other personal consumer reports

Company refuses to allow me to speak to managers. they representative will hang up the phone, deny the request for manger or simply put me on hold until phone call hangs up.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$420.00} XXXX  XXXX Balance : {$420.00}
Product: Debt collection

We were offered refinancing due to the Obama Plan through J.P. Morgan Chase Bank. 

My husband and I decided to accept the refinance offer and proceeded with getting the old loan paid off and a new mortgage loan opened. XXXX which were through Chase Bank. 

We were told by a representative of Chase Bank that we had until the XXXX of each month to pay our mortgage. After the XXXX, our mortgage would be considered " late. '' Now, after the first of each month, we continually get calls regarding our mortgage payment. I have told XXXX separate people what I was told by the bank representative. That we had until the XXXX of each month to pay our mortgage and it would n't be " late. '' I asked the people, who were calling from Chase Bank, " Are we late with our payment? '' I was told, " No. '' I said, " Then why are you calling me. '' I then told the callers to please make a note on our account that we pay on or before the XXXX of each month. I was told to call them every month to let them know when I am going to make the payment. I told them, '' I am not calling you every month because you can see that I make the payment by the XXXX of each month. I even told them that I would not answer the phone when they called. 

I continually get more than one phone call per day. 

Could you please make them stop calling me so much? 

Thank you.
Product: Debt collection

I received a letter from Convergent Outsourcing Inc. stating that XXXX XXXX. has reported that i owe them a past due negative balance of $XXXX. The letter states that payment of this amount must be received to their office in 60 days, and that they were willing to accept partial payment of $XXXX. It reads: "If you accept this offer, our client will cease further collection efforts. Please note that acceptance of this partial payment offer will not reinstate your account with XXXX and the remainder of the negative balance will remain on your XXXX  account."I quickly called Convergent and asked to speak to a rep. I was put on hold and then sent straight to a voicemail. After, I called XXXX to confirm that this information was incorrect. I let them know I rarely ever use my XXXX   account and this could not be possible. The XXXX rep asked me if i have a XXXX XXXX XXXX, which I do not. He said that would be the only way XXXX  would ever contact me about any money owed to them, by mail. He confirmed that my account is NOT in a negative standing, and also that there is a small balance on it. I asked him to please email me my statements, and he emailed me statements from XXXX 2019 - XXXX 2019. After reviewing these statements, no where on any of them does it show a negative balance, nor have i ever received any emails, mail, phone calls, etc from XXXX indicating that this information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that was placed on my credit report on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXXXXXX, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiry. 

I received the copy of the application today XX/XX/XXXX, this application was submitted fraudulently.
Product: Mortgage

In XXXX XXXX, we experienced a house fire. The insurance company cut a check for {$84000.00} on XXXX XXXX, XXXX for home repairs. Due to the amount of the check, Wells Fargo sent the check to their Property Loss Claims Department in XXXX SC. Wells Fargo lost the first check. We had to go through the process with the insurance company to cancel and reissue a second check. Since then, our family has paid XXXX out of our pocket and borrowed from family members to get work started and to continue work. And if we do n't have our first draw by Friday, we will have another {$3000.00} to pay out of pocket. We have resubmitted paperwork we thought was completed, without any follow up communication it was n't completed until we called back last week to check on the money. Thats when we found out we still had more to complete before they could issue the draw. We have talked to at least half a dozen different reps at the loss department, each XXXX telling us we had more to do to get the process moving up until last week. On Thursday XXXX XXXX, I asked to speak to a supervisor after I was not getting the assistance I needed. I spoke with XXXX XXXX on Thursday and Friday. She gave me her priority fax and direct line, and said the check would be cut on Monday, sent out Tuesday, XXXX XXXX, via Fed XXXX, to arrive on Wednesday. As of today, Wednesday, it had not been sent yet. I have now left XXXX voicemails for XXXX XXXX since yesterday to check on the first draw and get the XXXX tracking number to follow the check to us. She has not returned any of those calls. I can not understand how it takes 3 months to process a first draw of a check due to us after going through a house fire and maintaining XXXX houses, paying for repairs out of our own pocket. This is unacceptable.
Product: Checking or savings account

Wells Fargo XX/XX/2023 Deposit of {$78000.00} was made with {$400.00} included in available balance {$78000.00} will be available on XX/XX/. I have the printed receipt reflecting this availability and was also verbally reassured that the funds would be available on XXXX 

Overnight received a message from Wells Fargo with two amounts delayed {$72000.00} until XXXX  and {$5300.00} until XXXX which reduced the available funds from {$400.00} to {$220.00}. No funds beyond the {$220.00} was available as stated. 

I would have totally understood a check for this amount being held, but was told and given a printed receipt of the next day availability. Had I not logged into online banking I would not have been aware of the delay in funds, putting me at risk of overdrawing the account. I also made decisions about where and how to make this deposit totally based on next day availability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initial dispute date : XX/XX/2019 I have no knowledge of the account, and the company can not and has not presented the original paperwork with my signature opening the account. I did not open any credit accounts in XX/XX/2019. Yet, the company has stated that I opened this account XX/XX/2019.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPB 's finding indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NelNET/ DEPT ( NOT MY ACCOUNT ) of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 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 r4eport by more than seven years. 15 U.S.C 1681 a-2 ( A ) ( 1 ) 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.