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

There is a BANKRUPTCY reporting on my credit report, This BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Mortgage

Back at the beginning of XXXX received an escrow letter letting me know I had a shortage of {$1300.00}. I called Wells fargo advising I would be paying {$1000.00} towards the account but needed to know if paying the amount in XXXX would be an issue. I was told that was acceptable and I asked for a new analysis. I was advised a different department had to do that so I sent an email requesting this. Next thing I know I am getting multiple letters about COVID relief which I did not request. I was unable to make any payments online as they shut my account off. I called multiple times to get this fixed and emailed multiple times to no avail. I called to make the {$1000.00} payment and also verified they had received new insurance documents showing a decrease of {$220.00}. This should have left a balance of {$88.00} which I would have paid in full. I kept receiving COVID information versus my escrow. I then complained on their XXXX and they got a manager involved. At this time period I actually did catch Covid and asked they conduct all manners of business via email as I could barely talk. They wouldn't do this. So today I receive another letter from them still with the wrong billed amount and an email that to fix it I have to call in ... ... ... ... again. This is about my 15th call to Wells Fargo and countless emails. Ridiculous and it's unacceptable
Product: Credit card or prepaid card

I have attempted several times to reach out to Citi for assistance as I am unemployed due to Covid and I as of XX/XX/2021 had my unemployment end. I have no source of income. I asked Citi if I can have my due date which is today moved to the end of the month and they refused. I asked for smaller payments and they also refused. I have been making on time payments since I opened the was opened. I dont want this to affect my credit but unfortunately due to Citi refusing to work with me during these harsh times because of Covid but they arent willing to help.
Product: Credit reporting or other personal consumer reports

On My XXXX credit report it shows on XX/XX/year> that an inquiry was done for a credit card with CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I told that company that someone has been trying to get credit cards in my name and that I did not request or applied for any credit cards from CBNA. I asked them to remove it and to advise XXXX to remove the inquiry from my report. This is fraud and identety theft and need your help to remove this inquiry that was not done by me.
Product: Vehicle loan or lease

XXXX payment amount of XXXX I would like to have this payment placed on the back end of the loan or payment postponed without penalties or late fees due to Presidentially declared natural disaster that I am personally being impacted by.
Product: Credit reporting or other personal consumer reports

I appreciate the time taken to address some of the items in my file allegedly stemming from fraudulent activity. However, there remains an item that requires removal. Pursuant to FCRA Section 605, you are obligated to remove any items listed on an Identity Theft Report, numbered # XXXX. I have already detailed these issues in the aforementioned report and in previous correspondence, and I am reiterating them here alongside the new FTC report, numbered # XXXX. I have apprised my attorney of my intentions, and they are prepared to take appropriate action in the event of willful noncompliance. Below are the items that have yet to be removed from my credit reports, categorized by bureau : XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX charge off XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX Balance XXXX : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Please note that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to XXXX or any automated verification methods.
Product: Credit reporting or other personal consumer reports

I am appalled to find information on my credit report that was included without my authorization.
Product: Credit reporting or other personal consumer reports

Account do not belong to me been a victim of identity theft in the passed. I didnt not get an alert from credit bureaus when this account was initiated to be opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  states that I opened a credit card and billing account with them. 
Apparently the application was sent online on XX/XX/2016 from IP address XXXX. 
The email address they mention is not mine. The phone number they mention is not mine. They sent me a letter asking me to call their fraud dept. at XXXX. I have called them 3 times in the last 2 weeks, I get a phone message, saying that they will call back in 48 hrs. Nobody has done so. When I call their consumer line number, they say That they can not help. 
The amount of money involved is {$620.00}. 
XXXX  XXXX XXXX  has since then transferred the dispute to XXXX XXXX in Nevada. 
Who have reported this to the credit agencies without verifying the authenticity of the account. As a result my credit scores I have no connection to these accounts which are all based on identity theft. 
The credit companies are putting minimal effort to verify the authenticity of the claims.
Product: Student loan

ECMC and US Dept of Education get {$100.00} from me every month, and they continue to say that I am in default or late. then XXXX College is charging me and I couldn't even attend the school. I disputed the amount and they are still on my record.
Product: Checking or savings account

I filed a dispute on XX/XX/XXXX for a flight that I purchased on XX/XX/XXXX for {$500.00}. The flight was purchased through a third party website, XXXX. The flight was an XXXX XXXX flight from XXXX XXXX XXXXXXXX to XXXX XXXX XXXX XXXX, for Friday XX/XX/year>. The flight was cancelled by XXXX XXXX in XXXX. On XX/XX/XXXX, I reached out to XXXX XXXX for a refund ; I was instructed to reach out to XXXX. I reached out to XXXX to ask for a refund ; I was instructed to reach out to XXXX XXXXXXXX for a refund. This constant back-and-forth of these two companies lasted until XX/XX/XXXX, when I filed a dispute with my bank, Chime. Chime began investigating on XX/XX/XXXX. Over 20 business days passed, and there was no resolution, not even a temporary credit. On XX/XX/XXXX, I reached out to XXXX, and they informed me that they initiated a refund to Chime on XX/XX/XXXX, XXXX business days prior. I called Chime, and they informed me that they had no record of the refund. I put Chime and XXXX on a 3-way call, and a XXXX representative confirmed directly to a Chime representative that they initiated a refund, and that the original amount should be credited to my account. After this conversation, I asked Chime to approve my dispute and credit my account, since they now had direct confirmation from the merchant. They refused to do so. The lack of professionalism and competency with this company is both appalling and frustrating. I would like my money refunded back to my account IMMEDIATELY.
Product: Student loan

XX/XX/2018 Funds withheld from my payroll by XXXX XXXX XXXX, affiliate of XXXX XX/XX/2018 Immediately filed complaint with XXXX  because funds had been illegally garnished-what they had designated as loans were actually TEACH grants that I am in compliance with XX/XX/2018 Response from XXXX/ECMC indicated that funds garnished would be refunded to me in compliance with terms of bankruptcy XX/XX/2018 Filed for Bankruptcy in District of Columbia, XXXX XX/XX/2018 Bankruptcy, chapter XXXX, granted XX/XX/2018 I contact ECMC to ask why they are collecting on a TEACH grant that I am in compliance with XX/XX/2018 I contact the Ombudsmans office at the US Department of Education seeking assistance in resolving this issue as I am one of thousands of XXXX across the USA that have been jeopardized by the immoral and illegal practices of this company. The Ombudsmans office indicates that I need to resolve the matter with ECMC/XXXX  directly. 
XX/XX/2018 XXXXECMC and affiliates indicate to me that they will send me a form to complete and submit in order to request a review of my file BUT they continue to " collect '' on a TEACH grant XX/XX/2018 Form arrives from ECMC/XXXX  and affiliates, I have completed form and am submitting it via their customer service email address
Product: Credit reporting or other personal consumer reports

I sent a dispute to Experian in the month of XXXX, however, I recieved an email respnose from Experian claiming the dispute was " invalid '' and " did not appear to come from me '' The dispute was in fact me, I even sent along a identity theft report, along with my government issued ID I've attached the dispute and identity theft report along with my ID
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I asked this company to send me any proof of my signature that I made for this inquiry/collections account made in my name I send a paper that my identity and information may have been stolen from the hospital I was in and they still havent send anything showing I was the owner of that collection or inquiry so Im demanding they remove this from my credit report because its hurting my score and stoping me from reaching my financial goals
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

A letter sent to NCC Business Services Inc, XXXX XXXX XXXX # XXXX, XXXX FL XXXX requesting the following : Explanation of what the amount owed, additional collection fees and how it was occurred. 
Copies of all documents and identification of the original creditor. 
Proof that the Statue of Limitations has not expired on the account. 
Proof that you are licensed to collect in my state. 
Your license number and Registered Agent Documentation. 
I also advised the collection agency that the amount owed was paid when we moved out of the apartment ( XXXX XXXX ) and the amount they are requesting is extortion. NCC is stating I owe {$2700.00} and has been reporting it to my credit report since XX/XX/2012. I have suffered 6 years of extortion of fees, negative/false credit reporting and have requested for the item to be removed but the company has not done so.
Product: Mortgage

My mortgage was sold by PHH ( XXXX XXXX ) to XXXX in XX/XX/XXXX. Then in XX/XX/XXXX PHH filed a {$51000.00} promissory note against my house supposedly for a loan modification, which was never filed. They told XXXX  I was behind 10 payments. I have proven there were only three payment behind when XXXX  took over my mortgage. The Promissory Note is taken care of by HUD and I contacted HUD and they also reached out to PHH, who never responded. I am trying to sell my house and can not do that until this promissory note is removed from my mortgage for a company that no longer holds my mortgage. I am going on 6 months of not being able to sell my house, afford my mortgage, have my payments to my new loan company posted ( reaping the benefit of interest write off on my taxes ), and processing a pending divorce.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against XXXX, TransUnion, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, TransUnion, and XXXX consistently respond within 24 hours, stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates are reasonable investigations of disputes? Furthermore, XXXX, TransUnion, and XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against some of them for similar violations, I request that the CFPB take action to ensure XXXX, TransUnion, and XXXX comply with federal law and provide consumers with the necessary proof of investigation. Please find the account listed below that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. An account showing through XXXX does not have a name listed for the debt collector or original creditor the only thing showing is the amount of {$1300.00}. 
XXXX. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, On XX/XX/2021, I sent an amount of {$64.00} to my XXXX child-teacher for his online class. After eight days, the country 's recipient informed me that he has not received his fees and waiting. When I contacted the World Remit customer service line, I was reported that it is under security review, and my money transfer is flagged. When I spoke with the supervisor about my case, he assured me he would release my money in the next 2 hours and follow up with me. ( No call received from supervisor till XXXX ). The next day I called again and spoke with the different supervisor, and she assured me that if I would like to cancel my transaction, give us 24 hours. I called the next day after 24 hours again, and they gladly informed me that my transaction had been cancelled and we will refund your money back. Also, she provided me with a confirmation email and text msg. " Hold Cancel. '' The same day, I chose a different money transfer company, and they process my request in few minutes. After few hours, I received another text from World Remit that my money transfer is completed, and the recipient will get money soon. I called customer service and tried to talk again with the supervisor/duty manager, but they turn me away and said they would contact me at an unknown date and unknown time. I already spent three days in a row with this company and now not going anywhere with my case. As World Remit 's called security check, I felt like they target people based on their religious belief, race, and ethnicity. I felt like being one of the companies targets even I provided them with every information they needed. Now they transferred money when I decided not to use their services and lost {$64.00}.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

These acounts and inquiries were found on my credit report : Accounts : XXXX XXXX XXXXXXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$570.00} XX/XX/XXXX Inquiries : XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' on the XXXXXXXX XXXX  ACCOUNT # XXXX according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning such items of information.

The Credit Bureaus did not do this : They also violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated, but how is that possible if the date opened, credit balance, credit limit, last date reported, date last active and payment history are all inaccurate. This is grounds for removal They also violated the law because according to : 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 did not give anybody written instructions.
Product: Credit reporting or other personal consumer reports

This account was abruptly closed and then a 30 days late was reported on my credit profile, I contacted XXXX to protest the way I was being treated, as a result they kept reporting 30, 60, 90 days late onto my credit report. The last time I contacted them was last month via certified letter. However, my credit report was updated to a 30 and 60 days late.
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  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX and list of Inquiries. 

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 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 or other personal consumer reports

Hi TransUnion, I was just on the phone with the fraud team from XXXX XXXXXX/XX/XXXXand they told me this fraud account shall be deleted from my credit report. I spoke to the manager and he said they DO NOT HAVE this account on their system because they flagged it as fraud 3 years ago. I was just informed by them that I have the right to request this fraud account for deletion as fraud and I would like to exercise that right.
Product: Student loan

XXXX XXXX gave me a degree in XXXX XXXX in which what they taught was no longer being used in the workplace.
Product: Credit reporting, credit repair services, or other personal consumer reports

Simply opinion based on hundreds of unresolved reports over decades. The entire system is a sham. I have not had ONE, GOT THAT ONE COMPLAINT EVER RESOLVED IN OUR FAVOR. The fact that one is judged by their works confirms the opinion is correct. Furthermore your organization a key component of this opinion because you are exactly the same and by nature of what you actually do, just collect information, you are all in the end exploiters of people.
Product: Debt collection

I was contacted in XX/XX/XXXX by XXXX XXXX XXXX XXXX. I was called about an apparent credit card that I opened in XX/XX/XXXX. According to XXXX XXXX XXXX, I paid on the card until XX/XX/XXXX ( for all I know, the card could have been paid off! ). According to the said group, The card was on my credit report, then taken off due to statute of limitations. The debt was for approximately {$5000.00}. The person I talked to on the phone stated that if I paid {$1000.00} within a month, he would settle the account, if I didn't he would sue me and the judgement would go on my credit report. I explained to the person I talked to that I vaguely remember even having the card. I didn't know that I could be sued for such an old debt. It seemed odd that such a high balance could be settled at such a low amount. I didn't understand why I was given such a short time frame to come up with a large amount of money for me. When I explained to the person I talked to that a lot had transpired since XX/XX/XXXX,  included a XXXX dad who survived a housefire, who I'm now Power of Attorney of. When I asked to at least have more time to get the money, that was refused. I didn't want to promise that I could get {$1000.00} in a month when I couldn't. What if I made that promise when called, and my XXXX   dad died. As Power of Attorney, I would be in charge of end of life arrangements, while going through the grief process myself. Would XXXX XXXX XXXX still take me to court then? It is inhumane to put such ultimatums on people in lue of the inevitabilities of life!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX In XX/XX/XXXX we paid {$6000.00} to this company to assist in posting review to our customers experience on our webstore. We also paid 2 more years. In XX/XX/XXXX, we were advised the service was expiring and we allowed to to expire and advised the company of the same. They claim that we can not terminate the service ( even though it is for future services ) and they have created collection and intimidation efforts on this false debt. We have been very clear that this debt is not owed, they are not entitled contractually for any subscription type of future service, and they have ignored.

XXXX XXXX has a huge amount of negative review and a D- rating with XXXX XXXX XXXX . They use intimidation and aggression. 

They state they will stop if we pay them {$6000.00} for a future year of services and we will not allow this extortion.