23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XXXX XXXX Sent a letter requesting each major credit bureau to delete any delinquency that occurred from XX/XX/year>2024 to XX/XX/year>2024. Not only has this letter been sent/notified to each credit bureau on XX/XX/year>2024, I have also disputed with each credit bureau. Each credit bureau has failed to adhere to this very clear and specific request to remove such deliquencies
Product: Debt collection

I have contacted XXXX XXXX XXXX on multiple occasions advising them that I do not owe them any money. They cancelled my account and requested I return their equipment, which was done in XX/XX/2019. They continued to bill me {$9.00} per month for a software fee for the equipment, in addition to an early termination fee of {$250.00} totaling {$470.00}. 

They have now referred it to an outside collection agency threatening to damage my personal credit for something I do now owe. I should not have to pay a software fee for equipment that I have not used, nor an early termination fee when they ( XXXX ) closed my account, advising that my business was 'high-risk '. They not only put a hold on my one and only transaction, they refunded the amount of {$800.00} back to my client, in which I was never paid. 

My agent has reached out to them multiple times and they still insist that I owe them {$470.00} - The collection agency, Southwest Recovery - XXXX XXXX XXXX # XXXX XXXX TX XXXX - only transfers me to voicemail and no one ever returns my calls. 

I am already out of the lost revenue of {$800.00}, now they want {$470.00} which will bring my total loss to {$1200.00}. This should not affect my credit and is unfair as the Agent waived the early termination fee. I have uploaded a document showing XXXX advised that I do not have an early termination fee and I would be credited an amount of {$220.00}. 

Please resolve this miscarriage of justice, Thank you- XXXX XXXX
Product: Debt collection

I have had several messages left in my voicemail box stating that I will be served with legal papers to my address on record. I spoke with a representative from XXXX XXXX XXXX  and made a request for original contracts and agreements to be sent to me at my address detailing the debt that they claim I owe. I have not received anything showing that I owe the funds other than repeated calls at times as early as XXXX XXXX XXXX in the XXXX. XXXX XXXX XXXX has also damaged my credit by placing the amount of {$680.00} as a delinquent collection account which is adversely lowering my credit score and preventing me from qualifying for a mortgage program.
Product: Credit reporting or other personal consumer reports

please delete unauthorized inquiry XXXX XXXX XXXX
Product: Debt collection

After Checking my Credit Report recently I noticed an owed amount of {$670.00} to the California Business Bureau, INC. collection agency. I called them and paid the amount in full. ( 1 ) it is still on my credit report. ( 2 ) I just received a new bill from them for an additional {$3400.00} - my credit report has no record of this debt / I feel they are making up a phantom charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted Disputes to XXXX on XX/XX/2020 and XX/XX/2020 in regards to Midland Funding on my report as not being mine. XXXX said Midland verified debt was mine. I in turn wrote letter to Midland Funding asking for verification of debt. The bill sent from Midland Funding was for another person with my same name but different middle initial and different address. I responded to Midland and let them know although the debt was for this person with a similar name that person is not me nor have I ever resided at the address on the bill for collection. I asked Midland for the original credit agreement with signature of person from whom they are trying to collect debt. Midland did not provide me with this information instead they just sent me a copy of the bill again and asked why I was disputing. I had already told them specifically why I was disputing. I also don't understand how XXXX can accept a verification that the debt is mine when I'm sure the person with my same name doesn't have my same SS #. So XXXX couldn't have asked Midland to verify my SS # nor address that I've had for over 10yrs now. I disputed this same Midland Funding debt with XXXX and the debt was removed from my report. I have not been able to see my report from XXXX as of yet .I request a hard copy of my report from XXXX XX/XX/2020 and never received it. I am current trying to contact XXXX customer support to figure out why XXXX can't verify my identity in order for me to obtain a digital report from them and why I have not received a hard copy of my report from XXXX
Product: Checking or savings account

Since XX/XX/year>, I have been receiving miscellaneous fees. 
The most prominent is a returned check fee. 
My charges will pend for prolonged periods of time eventually leading to this occurrence. 
I have contacted XXXX XXXX in the past concerning fees and pending transactions but nothing came of it. I have no other issues but Im paying XXXX XXXX  every week or so just in fees because of this and have been since the stated date. Im not stating its exactly accurate but quick math has that around XXXX XXXXXXXX in fees in the last XXXX XXXX
Product: Credit card or prepaid card

I purchased furniture and got a loan from WellsFargo in early XXXX. When the first statement came I tried creating an account online and was not able to. Called the customer service team and they indicated they needed in person verification. I took time off work to go to one of the local branches so they could do the verification. They told me the issue was resolved and I should be able to create my account. Tried creating my account but I was not able to. Waited some more to see if it just need to be refreshed. I tried in several occasions but was not able to. Called on XX/XX/28 to get help, was told a technical support ticket was opened and the issue would be resolved in a few days. Never heard back. When my account is due they sent me an email asking to log in to view important messages. I tried longing in but couldn't. I called their customer service team, spent just about XXXX minutes on the phone with several transfers and holds and the issue was not resolved. I am having a hard time trusting this financial institution with my private information as they cant even resolve their own internal system issues. 

Following WellsFargo guidance of calling, being on hold, going to their local office, calling some more, I have spent hours of my time trying to resolve this issue. I had to take time away from work to get their issue figured out. They should be held accountable.
Product: Mortgage

Silverton Mortgage and XXXX XXXX in XXXX SC XXXX XXXX XXXX are colluding to deny buyer return of earnest money of {$8600.00} and refusing arbitration requests from the buyer. Silverton and XXXX have been notified on multiple occasions by buyer of negative item ( s ) on credit reports that may disqualify buyer from home purchase. Buyer has requested on multiple occasions an update to their mortgage application and consumer profile used to determine buyers qualification to close. On each occasion Silverton and XXXX refuse to comply and have insisted on forcing buyer to either close or lose earnest money, while they are continuing to use an incomplete underwriting file for the determination. XXXX is aware Silverton has not and refuses to update the buyers credit profile, per the buyers request. XXXX is also denying the buyers request for arbitration, which the purchase agreement allows for. Buyer is requesting immediate relief of return of {$8600.00} earnest to buyer, forthwith.
Product: Checking or savings account

XX/XX/XXXX, I spent {$1200.00} for my rent and {$460.00} for a firearm on XXXX  Both payments were denied, and I had to call Bank of America to confirm the payments and unlock my card. The customer support said the failed transactions would be reimbursed 1-3 business days after they are fully processed. After my card was unlocked, I made the {$460.00} payment again. 

XXXX XXXX I still haven't received the reimbursement, but made the {$1200.00} payment again to avoid late fees or potential eviction. Today, XX/XX/XXXX, I STILL have not received the reimbursement, and calling customer support only resulted in me repeatedly be told I should have received the payment automatically. 

I asked for logs or proof of reimbursement but was not given that. I also found out transaction logs under debit/credit cards will be modified and remove denied transactions, leaving no record of those taken place. I have an email from my leasing office for the failed rent payment, but unfortunately no email for the failed firearm payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX and i would like to inform about identity theft going on with me.I was exposed to data breach.I was checking my credit recently which i do very rare because i need to lease a car and i see my credit score is dramatically low.Upon checking i saw that there are fraudulent account that are not mine account i didn't authorize to open or use i saw addresses names and employers that i never lived worked and names i did not use.I tried to contact them and handle it with a bank but some of the customer service agents either hung up or said to take care of these with credit bureaus .Im also going to report to CFPB about this manner that they show to the victim of identity theft.The best resolution will be all major credit bureaus blocking those items from my credit bureaus .Also im going to include up to 19 inquires and sign for them on separate piece of paper because it wont fit here.Thank you in advance hope this will be resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct violation of the Fair Credit Reporting Act XXXX & XXXX Last XXXX XXXX XXXX, XXXX  {$120.00} Open balance XXXX XXXX  Original creditor XXXX XXXX XXXX  Last reported XXXX XXXX, XXXX  {$4400.00} Open balance XXXXXXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$2300.00} Open balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 section 602 A.Clearly 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 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 Please remove these accounts and address off my report immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and Inquiries that are not mine. 
Please see attached FTC Identity Theft Report. 
This has caused me tremendous XXXX XXXX, and financial hardship.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Rocket Mortgage for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate reporting on my credit report. Despite my efforts to resolve these issues directly with XXXX XXXX, the errors remain uncorrected, causing significant harm to my credit score and financial reputation. 

Details of the Complaint I received notice from the XXXX Credit Bureau that XXXX XXXX  modified the account balance owed in error. Below is the information currently reflected on my XXXX credit report, which I believe is also present on my reports with the other two major credit bureaus : Previous Balance : {$280000.00} Current Balance : {$280000.00} This information is absolutely incorrect. As of XX/XX/XXXX, my mortgage balance is {$280000.00}. 

Additionally, XXXX XXXX processed my payment late in XX/XX/XXXX and reported it as 30 days late due to the XXXX XXXX holiday. This late payment reporting is inaccurate and unjustified. 

Violations under FCRA ( Fair Credit Reporting Act ) Incorrect Reporting of Account Balance Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : XXXX XXXX  reported an increase in the account balance instead of a decrease, causing my credit score to go down by XXXX point. 

Impact : This incorrect reporting negatively affects my credit score and financial reputation. 

Late Payment Reporting Due to Holiday Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : XXXX XXXX reported the XX/XX/XXXX payment as late due to the XXXX XXXX holiday, which is not a valid reason for late payment reporting. 

Impact : This incorrect late payment reporting negatively affects my credit score and financial reputation. My husband had a XXXX  XXXX over the XXXX XXXX holiday and was hospitalized in XXXX  for XXXX weeks. XXXX XXXX refused to do their due diligence in their credit investigation ( XXXX ). 

Impact on My Credit Score and Financial Reputation These errors have caused my credit score to decrease, leading to potential higher interest rates, loan denials, and difficulty obtaining new credit. The incorrect reporting of my account balance and the unjustified late payment have significantly harmed my financial standing.
Product: Credit reporting or other personal consumer reports

Experian has been sending copies of my credit report to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are doing so under the pretense that I requested them to do so and approved. Not only have I done neither but they have allowed no way for me to remove these subscriptions. They have continued to reprint my price and confidential information without my consent and have failed to fix and resolve the issue
Product: Mortgage

XX/XX/XXXX TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX. 

THE ACCOUNT ON MY CREDIT IN QUESTION IS CALIBER HOME LOANS. 

MY ACCOUNT IS SHOWING ( 18 ) LATE PAYMENTS ( 120 DAYS ) WHILE I WENT THROUGH A FORBEARANCE PROGRAM THAT I WAS TOLD WOULD NOT AFFECT MY CREDIT AT ALL BUT IT DID. 

I HAVE TRIED TO FIX THIS PROBLEM BACK ON XX/XX/XXXX. NO RESPONSE AND MY CREDIT REPORT REMAINS THE SAME. 

ON XX/XX/XXXX, I CALLED AGAIN AND WAS TOLD THE FORBEARANCE PROGRAM WOULD NOT AFFECT MY CREDIT SCORE. THEY SAID IT SHOULD OF NOT BEEN REPORTED ( 120 DAYS LATE ). 
THIS HAPPENED IN XXXX AND XXXX. 

THEY ALSO CONFIRMED THEIR RECORDS SHOW ALL PAYMENTS MADE ON TIME. I HAVE ACCOUNT STATEMENT SHOWING EVERY PAYMENT WAS ON TIME. 

I WOULD APPRECIATE THIS TO BE TAKEN OFF MY CREDIT REPORT IMMEDIATELY. 
THIS HAS CAUSED ME FINANCIAL HARDSHIP FOR NO REASON.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax Credit Report suddenly showed a hard pull by XXXX XXXX XXXX XXXX XXXX. on XX/XX/2018. I spoke with an Equifax representative by phone today and told her I did not authorize XXXX XXXX XXXX XXXX. to pull my credit for any reason. I use XXXX for cell phone service and XXXX XXXX for TV service. I have no need for XXXX XXXX XXXX XXXX. The Equifax rep said I would have to dispute this with XXXX XXXX XXXX XXXX, even when I suggested that this could be an attempt by someone to use my identity. Equifax is very difficult to deal with under these circumstances while XXXX is much easier to work with. It is no wonder most lending institutions are switching to reliance on XXXX for consumers.
Product: Checking or savings account

I tried to use the Bank of America Debit card to pay USPS for money order the payment didn't go through.  Date: XX/XX/2019 Amount XXXXBank never sent me replacement debit card for almost a year after expiry.Went to the bank they were not able to do anything and come back later or call in.Called Bank they said the debit card was cancelled  for non use few years ago. Concern: If I was in need of funds I wouldn't have ever have access to it as my debit card was cancelled without my knowledge.
Product: Debt collection

XXXX XXXX XXXX has filed the same debt in intervals of 6 months ranging the debt with different collections agencies. I tried to settled with them previously, however they never returned my calls or attempted to resolve the issue. I sent the equipment back to them. 
XX/XX/XXXX Diversifed Consultants had the debt Then XX/XX/XXXX, XXXX XXXX had the debt. The debt as of today 's date XX/XX/XXXX has been removed, again, with the expectation to reappear XX/XX/XXXX, with a new collection agency. 
I believe this to be evidence of re-againg a debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I APPLIED FOR SEVERAL APARTMENTS AND WAS DENIED SEVERAL TIMES DUE TO THE INCORRECT OUTDATED INFORMATION IS BEING REPORTED BY TRANSUNION. 

I CONTACTED TRANSUNION AND INQUIRED ABOUT THE INCORRECT OLD INFORMATION THAT IS BEING REPORTED TO CREDITORS AND CAUSING ME TO BE DENIED. 

TRANSUNION RECOMMENDED TO THAT PROPERTIES THAT I BE DENIED FOR SEVERAL APARTMENTS. I HAVE PROVIDED THE LETTER FROM TRANSUNION PROVIDED TO SEVERAL PROPERTIES. 

MY CREDIT PROFILE HASN'T BEEN UPDATED AND TRANSUNION IS REPORTING IN CORRECT CREDIT INFORMATION AND MY SCORE IS ABOUT 80 POINTS LOWER THAN XXXX. MY SCHOOL LOAN WAS FORGIVEN AND XXXX  UPDATED RIGHT AWAY, BUT TRANSUNION HAS NOT REMOVED.
Product: Checking or savings account

My truck was towed on XX/XX/XXXX while I was out of town. It was the same day Cit Bank sent me the " NOTICE OF ACCOUNT CLOSING '' and my debit card privileges was revoked at the same time. I had no access to my my funds. They left me in limbo. Cit Bank colludes with this group of bullies to harass me. Those bullies had been making my life miserable since their failed extortion attempt on XXXX. I had this account for 23 (? ) years. I never had trouble with the two prior Banks ( Mutual of Omaha Bank, XXXX XXXX XXXX XXXX XXXX ) until Cit Bank took over. This XXXX lead teller seems having some other agenda in her mind. She asked me about my physical address numerous times. Why??? She also asked me lots of personal, intrusive, obnoxious questions. It's really disgusting that I had to deal with this rude teller. For your reference, I have enclosed a copy of the " XXXX review '', a copy of the letter sent by Cit Bank Manager XXXX XXXX. It's funny this Manager couldn't even spell my name right. Is he really a Cit Bank employee?
Product: Credit reporting, credit repair services, or other personal consumer reports

( Last XXXX of Account numbers ) XX/XX/XXXX - ( XXXX XXXX ) - Account / # XXXX XXXX ( XXXX XXXX  ) # XXXX XXXX ( XXXX XXXX ) # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX XXXX XXXX XXXX XXXX ( 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. 1681 Sec. 602A. : ) STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Sec 604A Sec. 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION!!

15 U.S.C 1681 c. ( a ) ( 5 ) Sec : STATES NO CONSUMER REPORTING SGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION, ANY OTHER ADVERSE ITEAM OF CONVICTIONS OF CRIMES WITCH ATTENDS THE REPORT BY MORE THEN 7 YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY, IF THE PERSON KNOW REPORTING OR HAS REASONABLE CAUSE TO BELIVE THEY THE INFORMATION IS INACCURATE!
Product: Credit card or prepaid card

I received the approved credit card and one declined from Bank of America that I never applied for last name was spelled with one letter short I called the one and they told me to report it to this
Product: Debt collection

GOT A LETTER FROM CONVERGENT OUTSOURCING, INC SAYING I OWE A DEBT FROM XXXX XXXX  FOR {$540.00} AND I COULD SETTLE FOR A AMOUNT OF {$130.00} WHICH I HAVE NEVER HAD SERVICE WITH XXXX. I HAVE READ TONS OF REVIEWS ABOUT THIS COMPANY WHICH ARE ALL NEGATIVE .A LOT OF PEOPLE WHERE SAYING TO REPORT THEM TO YOU ALL AS THEY HAVE DONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I returned the leased car to the XXXX dealership in XXXX XXXX, CA as it was the last day of my lease. I even called the XXXX XXXX to let them know that I have returned the car as I was required to do so. 
Fast forward, on XX/XX/XXXX or XXXX of XXXX I received an update notification from XXXX in regards to my credit report. After checking the report, I realized the false delinquency report generated from the XXXX XXXX. Then, I checked my XXXX XXXX account online to surprisingly/shockingly find out that I've been charged monthly beyond the official end of contract which was XX/XX/XXXX. 
After numerous ( I mean numerous ) calls and emails to XXXX XXXX and lots of stress and being provided with lots of different information and department transfers and on multiple occasions being held on a long hold and then being hung up on. After nearly more than two weeks XXXX got rid of my false reported balance of more {$500.00}. Then They promised me to also fix the wrong report to Experian and XXXX. Which they never delivered and they ultimately asked me to do that, too!!!! 
1. I did file a dispute with both Experian and XXXX and they both denied my dispute! I don't even think they did anything to fix my report and to help me. This is very scary and disappointing and it causes me to think that why these companies should have so much power and influence on my life, yet they are unorganized and very poorly run. 
2. I have reach out to XXXX XXXX again, because once again there is an automatic monthly charge for me! and also I have asked them to do whatever they have to do to fix my credit report. I haven't heard from them. 
3. Why leasing a car and returning a lease car should be like this and create so much stress and financial disasters for me ( I can't show my credit any where anymore and I have gotten a rejection for rentals, etc ... ). now after all these events, where is the justice, why should XXXX not get penalized for this? ( I know that I would easily be penalized, punished or even send to jail if I fail to pay a wear and tear ) this is not fair. 
Please help me, you are my last resort ( I even called attorney and nobody takes my case, because there is no money in it, this is a shame ). 
Thank you
Product: Credit reporting or other personal consumer reports

XXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX