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

I have a lot of inquiries on my credit. I cant rent a house. I cant buy house. I have money to pay. Cause of my credit. I cant qualify. I know under 15 usc those credit bureaus dont have right to report those on my profile.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Neither I or creditors has been able to pull my Equifax credit report. I get an error saying error code NH. i have attached a copy of my ID and social security card for proof of verification.
Product: Credit card or prepaid card

I have a Chase freedom credit card. In XX/XX/XXXX they sent me a zero-interest balance transfer check. I opted to use the check to transfer a balance from another card in order to pay it off within the allowed time frame, in this case thru XX/XX/XXXX. I agreed to the transfer fee, approximately {$400.00}. In XXXX, after the transfer occurred and posted on my Chase account, I paid {$1500.00} to Chase. My minimum payment is approximately {$300.00}. Upon receipt of my XXXX statement I realized that the zero-interest portion of my balance did not go down after I paid in excess of {$1000.00} above my minimum payment. I called Chase customer service with the intention of letting them know that I'd like anything in excess of my minimum payment to go toward the zero-interest portion of my balance. They told me that they can't do that. They ALWAYS allocate any payment sent to them to the balance with the highest interest. I explained that my goal is to pay off the zero-interest amount within the allotted time frame and they told me the only way to do that is to not have a previous balance that carries interest. NONE of that was explained on the check or within the paperwork sent when I agreed to it. 
This practice is VERY deceptive due to the fact that they falsely allow customers to utilize this option even though they have profited the fee amount, they also manipulate the offer so that they will also gain the accrued interest at the end of the zero-interest period because they do not allow that portion to be paid. 
When speaking to a " supervisor '' in the customer service section, he claimed that there is no one higher in the company that can be spoken to and that no one else can take care of this for me. I explained that I wanted to file a complaint. He said he would file it with his " leadership team '' but that I could not get a copy of the complaint and that no one would follow up on my complaint. I pressed him because him asserting that a complaint would go forward but that no one would follow up and there would be no record of it is absurd. What is the point of a complaint that in essence does not exist? When asked what the avenue for filing a complaint outside of his company was, he could not direct me. He said I'd have to find that out on my own. Does the banking industry not have a duty to provide information to it's customers on how to file a complaint on them? 
After 20+ years with this account and doing my credit card business with this company I intend to take my business elsewhere, to a bank that is forthcoming in it's practices if this issue is not resolved to my satisfaction.
Product: Consumer Loan

I traded my car in and purchased another one. The dealership looked over the car and there were no issues. Car was harly used an way under allotted mileage. Six weeks later i get a bill from Ally that I owe {$500.00}. I contacted them and apparantly there was a scratch on the bottom bumper. They decided that it would cost {$500.00} to fix this. How did they come up with this amount? In addition who is to say the damage didnt happen in the six weeks I was no longer in possession of the car. In addition, in XXXX XXXX the car received a parking ticket from XXXX XXXX. During the date of the ticket my family and I were travelling and not in the country. Long story short, the person who wrote the ticket put the wrong plate numbers. The ticket was issued to a XXXX XXXX and my car was a XXXX XXXX XXXX. I got it taken care of an the judge dismissed the ticket because of course it was invalid. This was the same time ally was trying to sell my car. The ticket came up and they paid it, never letting me know. I faxed them the ticket, with the registration showing it was an invalid ticket as the license plate was for a XXXX XXXX not a XXXX. I also faxed them the judge 's dismissal that the ticket was invalid. This was faxed on XXXX. I continued to receive bills from them for the {$500.00} and {$15000.00}. I called them today. I was told the ticket they paid was not the ticket that I faxed them. They received my fax but since they feel it wasnt the ticket they paid they disregarded it. I asked what other ticket, representative coudnt tell me. I asked to speak to a supervisor, I was told this is not a supervisor issue and he woulnt transfer me. At this point I feel like Ally is trying to extorate money from me.
Product: Debt collection

Credit card company continues to call each hour after being sent bankruptcy filing information along with the fact that I told them that I can not accept calls at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX. 

XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions I have reached out about all of these accounts and inconsistencies several times, these errors are hindering me from moving forward in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lost of money with the lenders that I nowdo business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for inaccurate information on my credit report. Despite filing disputes, the following errors remain unresolved : Old Addresses : My report includes outdated addresses. 

Closed Accounts : Several closed accounts are still listed as open. 

Old Employers : Previous employers are still appearing on my report.

Paid in Full Accounts : Accounts that have been paid in full are incorrectly marked as outstanding. And should be removed Charge Offs and Collections : Resolved charge offs and collections are still showing as active. need to be removed Credit Score Discrepancies : There is a significant discrepancy between my Equifax credit score and scores from other credit reporting agencies, with Equifax showing a lower score by immediately updating my points. 

Accessibility Issues : I have been unable to access my Equifax credit report despite multiple attempts. I've been unable to get assistance my phone. 

I request the CFPB 's assistance in ensuring Equifax complies with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, which mandates credit reporting agencies to correct inaccuracies.

My Rights under the FCRA : Access to Credit Report : Obtain a free copy of my report annually.

Dispute Inaccuracies : Right to dispute incorrect information.

Notification of Adverse Actions : Right to be informed if credit is denied based on my report. I have not been notified of anything in my report nor have given any permission to such reporting Limit Access to Report : Right to control who accesses my report.

Privacy : Protection of my credit information. I opt out of all data sharing and reporting.

Correction of Inaccuracies : Right to have errors corrected. You have ( 4 ) days to correct the inaccuracies. 

Reinvestigation : Right to a reinvestigation of disputed information. Such as the hard inquiry that i have no knowledge of. 

Fraud Alert : Right to place a fraud alert on my report. I have been unable to access my report to freeze it.

Additionally, it is important to note that charge-offs are considered taxable income by the IRS. When a debt is canceled or forgiven, the forgiven amount is treated as income, and I am required to report it on my tax return. Equifax 's failure to correctly report resolved charge-offs has financial implications and causes significant distress.

Relevant FCRA Sections : 15 U.S. Code 1681a : Definitions and rules.

15 U.S. Code 1681b : Permissible purposes.

15 U.S. Code 1681c : Excluded information.

15 U.S. Code 1681d : Disclosures to consumers.

15 U.S. Code 1681e : Accurate information.

Equifax 's failure to correct these errors violates my rights under the FCRA and has caused me significant distress and financial inconvenience. Please help ensure Equifax fulfills its legal obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was notified that XXXX XXXX XXXX placed a hard inquiry on credit report. I did not know the screen I clicked on would have a direct impact on my credit. 

I chatted with XXXX support immediately and was told that the case/issue would be escalated within 24 hours. I received an email back saying they had nothing on file and please reach out to XXXX XXXX XXXX ( XXXX XXXX ) XXXX and they will have no problem with the application cancelation. 


Called on XX/XX/XXXX XXXX XXXX  - 7 Minutes - Kept telling me they have no record of any application or an account with them XXXX XXXX - 10 Minutes - Kept telling me they have no record of any application or account with them, I asked to be transferred to a supervisor but the call was disconnected. 

XXXX XXXX - 15 Minutes - Spoke to supervisor telling me the same thing, no account on file and no application submitted. She requested I speak with the credit bureau ( Experian ). 

On XX/XX/XXXX XXXX XXXX 14 Minutes - I called and spoke with Experian in regards to this they told me to contact the bank and XXXX using the numbers provided. On the file it shows a number for XXXX but that number doesn't take you anywhere its a endless loop of nothing and disconnects. 

XXXX XXXX 10 Minutes - I asked the representative to please notate my account but she also there was nothing that could be done and I need to speak with the bank in order to get the inquiry removed. 

I am unable to get a straight answer from XXXX about getting this inquiry removed. They do not have an application on file so it does not exist.
Product: Debt collection

I am writing to request the removal of a collection account from my credit file. The account in question has been paid in full, and I would like to ensure that my credit report accurately reflects this. 

Details of the Account : Creditor Name : XXXX  XXXX XXXX XXXX Account Number : Unknown Collection Agency : Transworld Systems Original Amount : {$250.00} Date Paid : XXXX/XXXX/24 Reference Number : XXXX Enclosed with this letter are copies of the payment confirmation and any relevant documents that demonstrate the account has been paid in full.
Product: Checking or savings account

I had my state tax refund deposited into Credit Karma Soend account attached to a debit card. I noticed that the phone number on my account was not mine. I called them about it and the froze my account XXXX weeks ago and it has {$830.00} in it. I found out the next day that it was my son 's phone number and I let them know. My account was not compromised or being hacked. They asked me for information a couple of times and I give them what they asked for. I can't talk to anyone handling my case because they only respond via email! They are not answering my emails now and I can not get any answers!
Product: Credit reporting

There is an account from Diversified Consultants stating the original creditor is XXXX listed on my credit report stating the open date is XXXX. This is not my account. I have had XXXX for 2 years. I never received a dunning letter from Diversified Consultants and have called and written letter to Diversified Consultants and XXXX numerous times with no resolution. This account needs to be removed from my credit report
Product: Checking or savings account

Hello, my name is XXXX XXXX. Today I would like to write a complain to this bank company about my problem. My debit card somehow got stolen and used to purchased at this gas XXXX station for multiples transactions that I am not recognized. I called and disputed all of them with the 5/3 bank, then couple of days later I received a letter that they responded to my case with a DENIED status. Then I called and asked about it, the bank told me and gave XXXX reasons are : First, some transactions are in between that are not reporting as fraud at the time the dispute transactions occur. Second, the debit card was used pin to purchased. Third, Not call in and report it right away. 

I do not know what to do and how to resolve this matter. Please help. Thank you. 

XXXX XXXX in the amount of : {$520.00}, {$200.00}, {$100.00} -XXXX XXXXXXXX in the amount of : {$860.00}, {$610.00} XXXX XXXX, 2022 in the amount of : {$61.00}, {$570.00}
Product: Credit reporting or other personal consumer reports

I wrote dispute letter to the collection agency that is reporting a collection on all XXXX of my credit reports. I also wrote letter to all XXXX credit reporting agencies and requested they investigate and send me written proof I.E. a contract with my original documentation of how and why this collection is on my credit report. I sent dispute letters since XX/XX/2024. I only had XXXX and XXXX respond with updating my credit file and no proof and nothing else. I even wrote a certified letter to the collection agency and that is reporting false information on my credit reports. The company XXXX is claiming I owe them {$2300.00} on account on unpaid debt which I do not recognize and have no contract of owing this to that company. I sent my first round of disputes directly to collection agency and they did not respond in the time that Federal laws permit. 
I recently sent a second dispute directly to Transunion on XXXX XXXX TransUnion has not responded or updated my credit file.
Product: Credit reporting or other personal consumer reports

This serves as my follow-up communication regarding the fraudulent issue I have encountered. Compliance with law 605b of the FCRA, as delineated in report # XXXX, is imperative. Failure to rectify the inaccuracies detailed below, which are attributable to fraudulent activities, will necessitate legal action through my legal representative. It is my preference to resolve this matter amicably, without resorting to litigation ; thus, I strongly urge adherence to the law. Kindly expunge the following fraudulent entries, which were initiated without my authorization or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Should you assert the accuracy and verifiability of these entries, I request documentation bearing my signature, which, to my knowledge, does not exist. Absent such documentation, I formally demand immediate deletion of these accounts and associated inaccurate personal information from the credit file under my Social Security number. Please be informed that you have four business days to rectify any entries resulting from alleged fraudulent activities. I do not consent to XXXX  or any automated verification methods. Your prompt attention and response within the specified timeframe are appreciated.
Product: Debt collection

XX/XX/20 : I received a call from FH Cann & Associates at my place of employment. I spoke with the representative and requested that they not contact my job or family. I gave them my telephone number and said they can call me at the number I provided ( vs. my job, my business, family, etc. ) XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : A family member received a call from FH Cann at XXXX XXXX  on their personal line
Product: Debt collection

This is my first action taken, calling them by past experiences with debt collectors would only result in a futile conversation over my owing the debt and nothing would be resolved. 

According to them, Convergent, I supposedly contacted them on an issue of an ID/Theft claim. Then I was directed to call XXXX in regards to a Mobile service subscribed to me, and to file a claim. 

I never subscribed, purchased or contracted any mobile services from XXXX. 

The claim against me by Convergent was dated in a letter sent on or about XX/XX/2023. The following was enclosed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Convergent XXXX XXXX XXXX XXXX  Account Balance {$190.00} Collection Cost {$840.00} Total Owed {$1000.00} Again, I have no recollection of this debt, verbally or in writing : its not mine, I never contracted with XXXX XXXX for any services. 

I am attaching a file, please disregard the letter to " XXXX XXXX XXXX XXXX XXXX '' which happens to be included in this file.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a gesture of goodwill, could you please request AMEX to remove the one time late payment on XX/XX/2020. Ive been on time payments with them ever since. 

Respectfully, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

securities fraud restraint of trade discrimination extortion rico
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and was notified by Experian that my account XXXX have been exposed to a data breach. 

Please help me remove this fraudulent account from my credit reports. I reported this to Federal Trade Commission. I will attach in this complaint my FTC report, ID, proof of address, and social security card. 

Please delete this fraud account from my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I owed XXXX {$350.00} and I paid it last year on XXXX/24. I have talked with XXXX over the phone about my account and they have the debt as settled. I explained to them about the debt collector Zion Debts Holdings that are still reporting my debt as owed to them. I have also told them that it was paid to the company directly and tried to show them proof of this when they were calling and texting me about the debt. They are refusing to accept that it is paid and want me to pay them saying XXXX doesnt own the account but XXXX got the money. I have also disputed this many times with the credit bureau XXXX as well.
Product: Mortgage

Wellsfargo refuses to offer me the COVID-19 Recovery Standalone Partial Claim : for homeowners who can resume making their current mortgage payments. 

Wellsfargo will only offer me the : COVID-19 Recovery Modification : for homeowners who can not resume making their current monthly mortgage It seems as though Wellsfargo is trying to take advantage of the COVID-19 Federal programs by not extending the Standalone Partial Claim without the borrower going through the modification process. By following this practice Wellsfargo is extending the loan maturity date of borrowers and forcing mortgagors to pay for additional fees and interest way beyond the original terms of the loan. 

I just want to resume my monthly payments without a modification.
Product: Debt collection

Our child attended XXXX XXXX XXXX XXXX XXXX. The center had a Covid outbreak and was forced to shutdown. We were still charged for a service we were unable to use as they were shut. We felt unsafe having our child return, as their Covid protocols were insufficient. We have tried disputing the amount directly with them, and have been ignored.