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

Capital one has stated they arent reporting this alleged account to the credit agencies however this account was reinserted without proper investigation, verification, also without my consent. I have documentation whereas XXXX XXXX stating the facts they werent reporting to the credit agencies at this time for this account. This account was removed from XXXX, XXXX, and Experian. This account was reinserted XX/XX/XXXX XXXX, Experian XX/XX/XXXX, and XXXX XXXX XXXX will send an updated credit report as well. The letter from XXXX XXXX is dated XX/XX/XXXX. Capital one has lied to me the consumer and to the CFPB this account is being reported to all three credit agencies its not my account, and it was reinserted improperly. I was not notified XXXX days ahead which is a violation of the FCRA The Fair Credit Reporting Act ( FCRA ) allows credit bureaus to reinsert information that was previously deleted from a consumer 's credit report if the information is accurate and the consumer is notified. I the consumer is a victim of an improper reinsertion of credit data. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) .With respect to the phrase person who furnishes the information, some argue that this provision applies only to furnishers regulated under Section 623 of the FCRA. I will attach page XXXX of XXXX from updated Experian credit report which shows the account reporting, also my identity documentations, and the letter from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

they sent me a stall letter saying i am using a third party credit company to fix my credit and they will not move on with my report
Product: Debt collection

XX/XX/2019 I noticed a new collection account on my XXXX credit report. Account name is FIRST COLLECTION SVCS stating a debt all of the sudden out of nowhere for {$320.00}. Also on XXXX as Account name ICS. Both stating original creditor to be XXXX XXXX XXXX. I do not owe said bill, I have no outstanding utility bills. I disputed the collection stating " no contract, no validation of debt ''. Dispute is complete and item was not removed nor anything showing this was my debt. I have left voicemails to collection company. I do not understand how this utility bill they state it is from can show up out of thin air all the sudden when i do not have any past due items, especially and confidently Utilities ...
Product: Money transfer, virtual currency, or money service

( XXXX XXXXXXXX ) due to inadequate customer services and unfair practices, which violate the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I am submitting this complaint against WELLS FARGO due to the article recently released online, which can be found here https : XXXX, as well as their continued ILLEGAL PRACTICES with loan modifications. 

as well as this articleXXXX XXXX XXXX XXXX XXXX, which alleges wells fargo allowed a foreign bank to illegally make hundreds of millions in transactions. 

as well as this article, XXXX XXXX XXXX, which is a text book description of exactly what wells fargo did to me. 

I lost my job due to covid-19 and couldn't pay my mortgage. i reached out to wells fargo and was told by an employee " we can offer you the deferment program and when you are ready to resume payments we will take the missed payments and add them to the end of the loan in months, your APR will not change and your monthly payment will NOT change. '' when i went to resume my monthly payment i was told " i DO NOT HAVE A CHOICE in what program i use. '' i was then given the option to sign paperwork that restarted my mortgage to 360 months, changed my APR and increased my monthly payment from XXXX to over XXXX, or BE FORECLOSED ON. WELLS FARGO then threatened to foreclose on me if i did not submit the paper work in time. My principal balance on the loan when i initially bought the house was XXXX XXXX, AFTER the illegal loan modification, and paying 7 years of mortgage payments, my NEW principal balance is XXXX XXXX. so if you do business with WELLS FARGO you get to pay seven years of mortage payments, ontime, never missing one, and they thank you by taking those payments, and screwing you over the first chance they get.

My " choices '', which WELLS FARGO TOLD ME I HAVE NONE, were 1. sign the paperwork, lose close to 8 years of mortgage payments, restart my loan to 30 years, increase my APR to 7 % roughly, increase my monthly payment to XXXX plus. or 2. LOSE MY HOUSE AND LIVE ON THE STREET .... 

so we have WELLS FARGO saying one thing then doing the COMPLETE OPPOSITE. 

This is a record keeping submission. I want to be fully involved with what ever lawsuits or court decisions come from this banks practices as a whole. WELLS FARGO took advantage of me and is taking advantage of thousands of other people. 

By doing business with wells fargo, they stole 7 years of mortgage payments from me and LIED through their teeth to get it. if i was told at the onset of this entire ordeal that " YOU DO NOT HAVE A CHOICE IN WHAT PROGRAM YOU USED. '' i would have NEVER deferred my mortgage. i WOULD HAVE TAKEN THE SECOND JOB AND MADE ENDS MEET. but on the untruthful word of a WELLS FARGO EMPLOYEE, who refused to give any identify information about herself, i thought the bank was going to help its customer during covid. the bank only HINDERED its customer to HELP its own gain. 

WELSS FARGO needs to license to bank in this country REVOKED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency Cant furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I have a pending complaint against this company. They are trying to obtain debt verification documents - as they do not have them. Despite not having them, during the past month they have affirmed XXXX that their tradelines are reporting correctly XXXX after I disputed them XXXX. THIS IS A SEPARATE DISPUTE FROM MY EXISTING DISPUTE. This is an outrage and an egregious abuse of the credit reporting system in the US. I demand the immediate removal of these tradelines until this dispute is resolved. How can they affirm their tradelines to these bureaus when they have admitted that they do not possess the needed documents? They should be sanctioned for this abuse of the credit reporting system. This is why the credit reporting system in this country is plagued with problems, they simply accept as truth everything they are told by third parties!
Product: Student loan

Navient has twice changed my automatic payment without any notice. On XX/XX/XXXX instead of deducting the XXXX which was the previous deduction amount, they deducted XXXX. I had been enrolled in a program to get my loan out of default and when it was transferred to navient the deductions remained the same for a few months. They stated hey emailed me notices which I never received. Then this month on XX/XX/XXXX the deducted XXXX instead of the XXXX that was being deducted. I was enrolled in an income driven repayment plan and it had expired. I received no notice, even though they stated they sent me emails in XXXX and XXXX. I asked them to confirm my email multiple times and I asked to speak to someone to address the issue because I was not receiving an email. They stated they did not have a way to resolve the issue and just simply I should be receiving the emails. I checked all mail boxes and had not one email from them.
Product: Debt collection

I have been working with XXXX XXXX XXXX on different loans since XXXX and have been making payments to them for help repaying my payday loan at a lower cost. A Cease and Desist letter was sent to XXXX on my behalf, and a payment agreement was reached between XXXX XXXX XXXX and XXXX Payments were completed, and my debt was paid off by XXXX XXXX Around XXXX of XXXX, I started receiving nonstop calls from I have been receiving non stop phone calls from Emergent Services which claims they have purchased this debt. Ive had to turn my phone to silent so as to not disrupt my work day. 

Below is the number they have left voicemails from to call XXXX. 

Numbers also include XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, and emails from XXXX. 

They have also contacted my workplace, along with friends and family, repeatedly. 

As of today, XX/XX/XXXX, I am still receiving multiple phone calls. I have worked with XXXX XXXX XXXX  to reduce the debt I owe and make sure that I am repaying what is owed. Harassing phone calls will not make me get money any faster it may cause me to lose my job and wages.
Product: Payday loan, title loan, or personal loan

I received the following message This message is intended for XXXX in regards to a complaint in the process of being filed I'm calling to verify that we have the correct address for the individual well the next step will be filing the necessary paperwork at this time you do have the right to contact the information center should to wish to exercise that right that number is XXXX you will need to reference to file number XXXX I contacted the company, Alliance Recovery and was told that charges were being filed because I failed to repay a payday loan in 2019. That is all the information they would provide. They have my name last 4 digits of my social, address and phone number. They also had routing and account numbers for an account that is closed. They hung up on me three times as I tried to have them provide additional information. He said his name was XXXX XXXX and that someone would be at my house in three days to serve me with papers, alluding to arrest and official charges being filed. He would not provide the name of the payday loan company, a copy of any contract I signed or any information about his company.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit karma said i was prequalified for credit card like 95 % CHANCE AND WAS TURNED DOWN A FEW TIMES
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XXXX XXXX XXXX # XXXX has violated my rights. 

[ I.C. SYSTEM, INC ACCOUNT # XXXX has violated my rights. 

[ XXXX ACCOUNT # XXXX has violated my rights. 
THIS HAPPENED IN THE MONTHS OF XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Over the weekend I was trying to use my credit card at a legitimate business when I got a text, call and app notification that there was fraud on my card. The only thing I can think of was that it was because I had just switched to a new phone. 

I called them when I got home and they asked me a number of security verification questions which I answered. They then said that wasn't good enough and they needed another phone line. I gave them my girlfriends phone number after which they said that it wasn't the right kind of phone number with no explanation. They then asked me if I had a third phone or a land line. I do not. They then said that they are going to mail me a letter. 

At this point in time, I was so frustrated with the process. I asked them to just close my account and send me my final bill because I no longer have access to my account online and I only receive electronic bills from them. They informed me that I could not close my account until I received the letter. I called back on Monday and asked them if I could file a formal complain and that again, I do not want to be a customer of theirs and want to pay my account off and close it so that any balance on my account does not accrue interest. Also, I do not want to have to keep calling them and providing new, even stranger information. They informed me that they can not close my account without this verification. 

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

I have been trying to start a new company for my LLC and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXX.My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX
Product: Credit reporting or other personal consumer reports

A XXXX XXXX XXXX XXXX  account was opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX}. A XXXX XXXX XXXX XXXX  '' was opened on XX/XX/XXXX with a balance of {$7400.00}. I filed an Identity Theft report to start an investigation for these accounts. PLEASE BE AWARE : " Date Fraud Began '' and " Date I Discovered '' are switched on my report. I tried to get this fixed.
Product: Debt collection

The date of XX/XX/ I purchase XXXX product from bestbuy online there is 0 % interest for 24months I never know the promotion ended by XXXX.They don't give me any notification before the promotion ended by text call email or mailing when im checking to my credit status and they are simply added to charged the interests on my credit account {$1200.00} I don't have the money to pay for that kind of unauthorized billing.Thank you
Product: Credit card

I had reported the Victoria Secret duplicated my charged off account. They acknowledged it but blamed it on the debt buyer and said they would delete the duplicate. They did delete the older one and left the current one with the charge off updated to XX/XX/2023. It was paid off in XXXX of 2023. I would like this removed because they have updated it incorrectly and it is damaging my credit. I feel it is in retaliation to my filing a report on here.
Product: Credit card or prepaid card

My only account with Chase was closed on XX/XX/XXXX for " violating company policy '' but I have not used the account much other than paying 2 electric bills and the annual fee year to date. I am completely puzzled by why and believe this is a mistake.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT, XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

This morning, I was horrified to see accounts on my credit report that dont belong to me. Im completely baffled because my report has always been accurate until now. I even tried refreshing my browser repeatedly, hoping it was some kind of mistake, but the errors didnt go away. Im at my wits end and need someone to carefully examine the documents Ive submitted so that I never have to face this kind of issue again.
Product: Mortgage

I assisted a client in obtaining a reverse mortgage XXXX years ago. XXXX was new at that time and my client was a few days late on a property tax payment due to life saving XXXX she was having so the lender at that time required her to have the XXXX account. She continued to pay her property taxes on time whereas the lender/servicer XXXX was late on her payments and just included the penalty from her funds. They also held {$60000.00} of her credit line funds in an account for future tax payments. We are attempting to refinance into a new reverse mortgage without the XXXX and XXXX is not going to refund the {$60000.00} of her funds back to her. They will not change the hecm to hecm worksheet therefore, the new lender will not make her a new loan. 

They ca n't just keep XXXX funds for no reason.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt or credit management

National debt relief was started by me in early 2023. They told me nothing about not paying my creditors, and months after starting the program I finally had settlements. XXXX of these settlements was taken back without my knowledge. I had money in XXXX of the accounts, but they sent it to a creditor for a large amount. I instantly contacted national debt relief, and all they said was i shouldn't have had the money in there. I have attempted to have them negotiate on my behalf for more than XXXX  months, to no avail. They completely dodge me, and just tell me to keep putting in more money. They absolutely do not do anything to assist with negotiating this last account that was supposed to be settled a year ago. I can't even speak to the negotiations team myself to understand what national debt relief needs from me to expedite this. 

I am so deep into the program that I cant quit now but this has completely changed my life and how I view finances. 


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

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and are negatively impacting my credit score. I have reviewed my credit report and found several errors that need to be corrected immediately. 

Firstly, there are XXXX XXXX XXXX bankruptcies listed under my name, with case numbers XXXX and XXXX. However, these bankruptcies were dismissed and should have been removed from my credit report. Other credit bureaus have already removed these accounts, but they are still being reported on my report. I request that you remove these bankruptcies from my credit report as soon as possible. 

Furthermore, there are several credit inquiries on my report that I do not recognize and did not authorize. The cases with no case numbers, as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have no relation to me, and I demand that they be removed from my credit report.

Additionally, there are two accounts on my credit report that are listed as having a payment history but are actually charge-offs. These accounts are XXXX XXXX with account number XXXX and XXXX  with account number XXXX. These accounts need to be deleted immediately from my credit report. 

I request that you investigate these errors and make the necessary corrections to my credit report. I would appreciate a prompt response and confirmation of the actions taken to correct these inaccuracies. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies abused my credit profile without my consent, even making several inquiries about it. bank without any reason or authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.