23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A company called XXXX XXXX XXXX did not correctly submit a bill to my health insurance company. I tried repeatedly to get them to send necessary documents to my ins. co. through our local BBB but they either ignored the BBB and did not respond, or falsely claimed I owed the bill. The claim has now been paid in full after I filed a grievance with my insurance company and I have a letter stating such. If XXXX had filed the claim correctly the XXXX time it would of been paid 100 % as that is what the coverage is. Instead XXXX turned it over to Credit Adjustments who call me over and over harassing me and NEVER identifying themselves. Again this bill has been paid in full to XXXX. Thank you!
Product: Credit reporting or other personal consumer reports

I was alerted by a lender that I reached out to me regarding an application that I've submitted for a credit line increase. The lender told me upon pulling my Experian Credit Report that Experian had placed a special message that only lenders can only see that my credit file is potentially fraud. 

The lender said they didn't see the standard fraud alert that consumers have the option of placing on your file. They asked me did I place an alert and I '' ve indicated I didn't have such a thing on my report. 

Upon review of my request the lender was XXXX percent confident that this was a message to deter lenders from making positive credit decisions in my favor and that this was very sneaky and a hidden tactic that Experian practices with certain consumer files. 

The only reason the lender shared the information with me was because I've had a long positive history and relationship with the bank. The lender told me I should contact Experian directly which I did today XXXX XXXX and told me to file a complaint with the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my annual free credit report from XXXX XXXX, Equifax, and XXXX credit monitoring / reporting service. After obtaining my free annual report. I discovered each credit reporting agency had reported my name incorrectly, address incorrectly, etc. 
I notified each individual reporting agency of the issue. I submitted a dispute on each item I wanted verified and or corrected. I receive my report by mail today from XXXX XXXX. XXXX XXXX never corrected any of the information I submitted a dispute about. 
As a result this will allow individuals with similar names to possibly use my identity. This company also has my address listed as an apartment. I notified them that my residence is not an apartment and I have never lived in an apartment yet, they continue to leave incorrect information on my credit report. I need this matter investigated and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me, and in accordance to the FCRA if consumer is not provided with physical documentation then them accounts should be removed. The following accounts are, 1 ) XXXX XXXX XXXX {$740.00}, ( 2 ) XXXX  XXXX XXXX {$190.00}, {$140.00}
Product: Bank account or service

I transferred funds from my XXXX Checking Account to my USAA Checking Account on Friday, XXXX XXXX. This is not the first time I have transferred funds from and to these accounts. This is however the first time USAA has held all but {$100.00} for 4 business days, which has ruined my attempt at surprising my wife and son for XXXX. I called USAA to inquire why they were holding my money and was told that it 's due to my maintaining a low balance in this account ; that the amount being transferred ( {$630.00} ) was much higher than my average daily balance of {$40.00}. I only use my USAA account for work-related expenses ; to pay for parking, toll road fees and an occasional cup of coffee. I 've researched the XXXX, Title XXXX, Chapter XXXX, Subchapter A, Part XXXX, XXXX, which states electronic transfers should be available the next business day ; and I find no " Exceptions '' that speak to maintaining a low balance.There 's no reasonable business reason for this punitive rule other than to squeeze out a couple of pennies from each consumer. What this USAA ( Low Balance ) rule essentially does is penalizes consumers by holding their money hostage unless they maintain higher balances in their accounts. If they ca n't make money off of your money on a daily bases ( low daily balance ), then they 'll hold your money if/when you make a larger deposit and make money that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : I have made a vow to myself that I would work strictly on my report and be persistent to reach my goals. However. The credit bureaus is making this process extremely hard due to their unethical and lazy practices. This is my 4th complaint against them because the entire system is unfair, reporting unfairly, and calculating credit scores unfairly. I have noticed the bias and I will let this be known publicly until the right person sees what's going on. Now, I have been working on my report for years. Never ever received the results I was expecting even when I tried very hard to do so. I gave it a break to come back and this time I actually feel good with the progress I've made on my behalf as far as keeping my current accounts in good status. The credit bureaus calculations shows poor ethics if I were to go by the calculations. Something's isn't right!!!! All of this is bias and the world needs to know about this. I have over 7 accounts in good standing but 3 late payments are keeping my school In the low XXXX 's. How? Not only that, today, XX/XX/2021 a collection account balance decreased from XXXX dollars to {$0.00} and my score dropped XXXX pts? From XXXX to XXXX. I don't understand. This is unfair. Experian has a full balance being owed for XXXX and the account was paid in full. ( I have a letter to prove it ). However, Experian claimed they investigated only to come back with the same information that was there before the dispute. Remind you it takes 45 days to close a dispute. That is too long to wait for a response from inaccurate information that was never verified. Them have to do the dispute again and waste 45 more days. I guess consumers doesn't have a life or goals. 90 days of delays, because my score is stagnant until then. There is nothing else to dispute on my report. I'm asking if someone can please take a look at my report. Something isn't right and I'm going to get to the bottom of this unethical act. It all seems bias to me because it's no way ... .people will miss this if they don't pay attention to what's going on. Please see attachments below. Thank you.
Product: Checking or savings account

XX/XX/XXXX paid XXXX XXXX with Obscurity Intensive Facilitaion through XXXX through Navy Federal Account Checking # XXXX for {$900.00} for three day coaching services course. 
XX/XX/XXXX cleared Navy Federal Credit Union. 
XXXX on XX/XX/XXXX and still incompacitated unable to work. 

Initial communication with Navy Federal regarding refund and Navy Federal Advised to request refund through XXXX. 

XXXX XXXX reschedule session in XXXX to another date. 

Requested refund to XXXX XXXX on XX/XX/XXXX after a berrage of words from XXXX. 

XXXX XXXX, XXXX XXXX XXXX had Conversation with XXXX. XXXX XXXX emailed XXXX Letter on XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX recommended not to engage in any session with XXXX. Letter with professional recommendation was emailed to XXXX XXXX requesting refund on XX/XX/XXXX. 


XXXX XXXX provided no services. 

Contacted XXXX through Consumer Finance Gov and XXXX stated that Navy Federal is responsible. 

Request {$900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute through TransUnion and but they do not delete errors or outdated info. They update wrong info and will not let me place freeze. Unless I Pay them. They pressure me into validating fraud incorrect and erroneous data to gain access to my file. Address from fraud included and closed accounts as opens and show zombie debt popping up after it had been up previously deleted!
Product: Mortgage

On approximately XX/XX/2018 Wells Fargo accepted my offer to purchase a foreclosed ( XXXX ) home at 23 Stage XXXX XXXX, XXXX, MA XXXX. The acceptance was based upon a pre-qualification letter from my lender. 

Since there was a seven-day home inspection contingency, the inspection was performed to meet the deadline. Although the listing agent refused to de-winterize the home by activating the water, I paid {$550.00} for the inspection to determine if it was in my best interest to move forward with the sale. The inspector found no major problems and recommended it was safe to advance with the purchase. 

The listing agent is now denying an appraisal of the home. It is well known throughout the housing industry that a loan is not granted without an appraisal, regardless of the type of loan ; however, XXXX XXXX stated to me if she knew it was this type of loan she never would have accepted the offer. This type of loan is a XXXX XXXX XXXX XXXX loan. The statement is discriminatory and leads me to believe there are other motives for the refusal of the appraisal. My realtor, along with my lender and several housing professionals, have never heard of denying an appraisal since it is a requirement from all lending institutions regardless of the type of loan. 

My lender offered an alternative of accepting the Assessment Report from the Asset Manager. This request was also denied stating an assessment report was never performed. If this is the case, how was the asking price determined? 

XXXX XXXX was also contacted by U.S. Housing and Urban Development and informed them I do not qualify for a loan to perform repairs on the home. This is not a fair statement since the repairs have not been determined. 

Therefore, I am filing a complaint against Wells Fargo and XXXX XXXX from XXXX XXXX for unfair and abusive practices. Their refusal of due process violates Federal Consumer Financial Laws.
Product: Mortgage

Me and my real estate agent were scammed out of {$30000.00}. A man named XXXX XXXX of XXXX XXXX XXXX claimed to be a private mortgage lender and promised to send closing funds during the closing but did not show up. XXXX XXXX spent several weeks communicating with the realtor, the attorneys and myself and pretended to be a private lender. He requested upfront loan fees and underwriting fees and title insurance fees in the amount of XXXX, my entire savings for my first home, but did not send the loan.he scammed us. He is not a private lender at all. And He refuses to refund the money and TD Bank will not assist us with the wire transfers.
Product: Credit card

There is a fraudulent charge on my account that I have been trying to resolve for months from XXXX XXXX XXXX which is located in Florida and I live in Georgia. I saw the charge on my account XX/XX/2023. I have never used garage services in my life and when I tried to dispute the charge American Express is denying the dispute.
Product: Credit reporting or other personal consumer reports

Tis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and the false information consists of a personal credit account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> amount {$1100.00} and auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  amount {$16000.00}. I do not recognize the aforementioned accounts and charge offs as reported. The aforementioned accounts and charge offs appearing on my consumer credit report maintained by you were not opened, made or initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, charge offs are the result of identity theft and fraud.
Product: Debt collection

I checked my credit report and noticed I had a collection from ( IC Systems , INC XXXX XXXX XXXXXXXX  ) that was opened in XX/XX/2023 for {$1400.00} with account number starting in XXXX that I do not recall and am not liable for. I never entered into a signed agreement or completed an original contract with them. This is fraudulent and a violation of my rights. This inaccurate collection is not mine. If you believe this account is mine, prove the validity. REMOVE FROM XXXX, XXXX and XXXX. I would like all collection activity to cease immediately and for this inaccurate and fraudulent collection to be removed from my credit report or I will file for litigation and report you to the CFPB and FTC. I sent letters to XXXX, XXXX and XXXX on XX/XX/2023 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Product: Credit card

I have several sychrony bank credit cards and I was told today while trying to make a purchase without a call or warning that all of my accounts have been closed. They wo n't give me any information just tell me that I need to go and talk to my bank as to why but then when I call my bank my bank does n't know what I am talking about.
Product: Credit reporting or other personal consumer reports

XXXX  card account number XXXX claim I made a late payment which in XXXX. I have disputed this twice because they have not been able to provide accurate documentation to prove how much I owed at the time of lateness and which month exactly I was 30 days late. They also report different months of lateness to all XXXX credit bureaus as showed in the attached document. They report a follows : XXXX : XX/XX/year> XXXX : XX/XX/year> Experian : XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act Convergent Accounts names XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Debt collection

Call from XXXX
AllianceOne (a collection company for the "govn't" is a company that uses its "power" to get away with fraud and terrorism of the American people and businesses in its accounts.

Amnesty Program for California Traffic Tickets & Infractions is the program this agency is using to harass people.  I never answer their call and they do not leave a message.  I do not have outstanding traffic tickets and am a retired debt free person.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Are reported inaccurately
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from the following account : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX removed the original fraudulent account number XXXX on XX/XX/XXXX from my credit reports. This XXXX XXXX Account has been closed for two years, XX/XX/XXXX. Then, XXXX XXXX XXXX XXXX created a new fraudulent account number XXXX without my knowledge, nor consent, nor authorization with the same fraudulent information in the original fraudulent account and number that has been closed for two years. 

As a result, XXXX XXXX and XXXX falsified documents stating the investigation results show the account has been deleted and removed. When in fact, the account was never removed, XXXX allowed XXXX XXXX to change the account number and retain the same false information to the original fraudulent account. XXXX XXXX changed the account number and XXXX allowed this fraudulent change to take place after XXXX stated the account was removed. The account was never removed, only updated with a fraudulent account number. XXXX XXXX never notified me nor asked my consent/request me to change the account number. This account has been closed for over two-years. 

XXXX XXXX and XXXX are now in violation of 15 USC 1692 e ( 8 ), 15 USC 1692 e ( 10 ) and 18 USC 1028A.
Product: Credit card

Subject : Dispute of Credit Reporting Errors Under FCRA, 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

My credit report incorrectly lists several accounts as active with outstanding balances, despite these accounts being discharged through XXXX  XXXX bankruptcy, finalized on XX/XX/2020, in the U.S. Bankruptcy XXXX for the Eastern District of California, Case Number XXXX. 

The accounts in question are listed as follows : XXXX XXXX Account Number : XXXX Reported Information : No Data Status : Dispute XXXX XXXX  Account Number : XXXX Reported Information : No Data Status : Dispute XXXX XXXX XXXX Account Number : XXXX Reported Information : No Data Status : Dispute XXXX XXXX  Account Number : XXXX Reported Information : No Data Status : Dispute These accounts should be reported with a XXXX balance indicating their discharge status, rather than showing no data or being marked as in dispute under incorrect terms. 

I request that you investigate these discrepancies as mandated by the FCRA and correct the errors as swiftly as possible. Enclosed are copies of my bankruptcy discharge documentation and relevant court orders as evidence. 

Please correct the affected parts of my credit report and provide me with a revised copy once the amendments have been made. I expect this issue to be resolved promptly, ensuring compliance with federal law. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report, and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I havve been paying my student loans rigurously. On XX/XX/XXXX Navient reported a late payment which was not my mistake and have not removed it form the 3 credit reports until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies. 

Yesterday and Today I had received 2 alerts. Navient is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on XXXX ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with Navient. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX and # 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 and account without my written instructions.
Product: Credit card

The state of my credit report is profoundly troubling, and my dissatisfaction runs deep. It's not just highly embarrassing ; it's clear that either you or the company is accountable for reporting this inaccurate information. I have never been lateI consistently make timely payments.