23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   pulled my credit three times in  XXXX  of   XXXX  .     I did apply to refinance my truck loan in  XXXX    XXXX   but, I do not understand why my credit was pulled  three times? For the same loan. I have disputed these with all   XXXX   credit agencies and within 24  hours I am being told these are factual.     I have been told by the credit agencies that if the inquiries are all within 14 days, it will not adversely affect my FICO score. The irony here is that  XXXX   XXXX  declined me for a credit line increase on my credit card because I had too many inquiries.         XXXX   :  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX   Experian :  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX    XXXX  :  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX
Product: Debt collection

I sent a letter to I.C. Systems on XX/XX/2022, about some collections they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor ( XXXX ) that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to {$1000.00}. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/2022, this debt, which I told them to send back to the original creditor, remains on my credit report in violation of federal law. 

XXXX XXXX  Account # XXXX XXXXXXXX, XXXX
Product: Credit card

Without my permission, Wells Fargo took money from my bank account to pay for a new purchase on my Wells Fargo Credit Card. I did not authorize a new payment schedule for this new purchase and Wells Fargo took it upon themselves to draft money from my bank account.
Product: Credit reporting or other personal consumer reports

I disputed a few accounts on Experian whose balances were paid off at the time of the dispute. This was between the dates of XX/XX/year> through XX/XX/year>. The dispute results kept coming back as the report remaining unchanged ), even after submitting documentation that the account was paid. Upon calling Experian XXXX XXXX, I was told that the documents were not reviewed. The associate adjusted the dispute reason in hopes that it would yield better results. The results came back the same and I contacted support once more. The second associate adjusted the reason again in hopes of yielding better results, only for me to still get the same remaining unchanged results in the end. I am in the process of making some huge financial decisions in my life so I am cleaning up my credit profile. Instances like this holds me back from being able to obtain the necessities of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I noticed XXXX XXXX was on my credit report I know thats account was cleared however XXXX  and equifax has it as a derogatory account. It took me three days to dig up this exhibit # 1 to prove XXXX XXXXnis full of XXXX and have committed fraud by falsely reporting inaccurate information. Attached you will see a refund the account was closed XX/XX/XXXX and yet its till being reporting why? Because XXXX XXXX is a fraud and they do crooked XXXX to original creditors/consumers. 
The law states that and communication means conveying information regarding debt directly or indirectly to any person through any medium wells fargo is in violation of 15 usc 1692a also in violation of 15 usc 1692 c because I sent a cease and desist. Im addition I was violated because they submitted inaccurate information misleading information under the law 15 usc 1692e and 15 usc 1692f unfair practices you ruined my reputation by reporting inaccurate information for 2 years Whats XXXX me off is that XXXX XXXX would have gotten away with fraud if I didnt find this document so Im demanding this be removed immediately Equifax and XXXX  did no investigation when I spoke to a representative they told me it was correct no results from the dispute I submitted its a joke they have also violated my consumer rights they did not address my concerns I had to dig deep for three days to find proof and submit exhibits they do a half XXXX job/ no investigation and if they did and investigation show me proofed XXXX you found follow the law laws listed above this needs to be removed immediately
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 : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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

I have been dealing with having debts that are not mine removed. All 3 credit bureaus to this date has NOT provided me with any information I have asked for and COMPLETELY IGNORED my last request for .... 

1. The name and address of the original creditor 2. The original date of delinquency and amount owed XXXX. A copy of the original contract or other documents bearing my signature I have sent several letters .... 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Several letters in between for the information " THEY '' asked for I was completely ignored on the last letter!!!! I have also been presented with " stalling tactics '' All letters I have sent I enclosed a front and back copy of my license, and current utility bill. When it gets close to the 30 day mark I have received letters stating that I had to send in a copy of license and utility bill AGAIN, because it was CLAIMED it was not " CLEAR '' enough. This is not true!!!! I am also getting the run around, I called TransUnion, and was told I needed to contact XXXX or XXXX to have it removed .... Since when is this the way it works? I also contacted XXXX and spoke to a " supervisor '' and questioned WHY I have to send yet another copy of the same thing I already sent. He claimed it was not legible, however when I asked if he personally seen it, he could not answer me, and I know it was as clear as day, and this is after I sent them several other copies that they continue to ask for. Please be advised that all letters sent to all bureaus, were sent certified mail.
Product: Credit card or prepaid card

In XXXX, I purchased a couch from a XXXX XXXX store in the XXXX XXXX XXXX CA XXXX Mall for approximately {$1800.00}. There was a year financing program being offered at the time, of which I took advantage. When I got my first ( and only ) paper statement, I divided the purchase price by twelve and set up automatic bill pay in order to pay off the balance in full prior to the expiration of the promotional period. The payments were setup so that Comenity Bank received them on the XXXX of every month. According to the Bank, I was assessed a {$27.00} late fee because the payment scheduled in XXXX of last year was not processed until the XXXX because of XXXX XXXX. I was not advised of this fact at the time because I never received another paper bill. Supposedly, the Bank was sending e-mails which directed me to sign into their web site to see my bill. I never signed up for paperless billing and I dont do paperless billing with any of my accounts. ( Im old school I want a paper record for every financial transaction. ) I only learned of this outstanding balance in XXXX of this year when the Bank began calling and finally sent a paper statement. At the time of their first call, the Bank insisted that I owed them {$54.00} ( and growing ) due to the unpaid {$27.00} plus interest. I offered to compromise and pay the {$27.00} late fee from XXXX of XXXX. The Bank declined. 

After spending several days taking this matter up the Banks hierarchy to no avail, I was told I had to pay the full balance which had now doubled while I was trying to resolve the dispute. I filed a complaint with the XXXX XXXX XXXX of Central Ohio against Comenity Bank. At that time I discovered that the Bank had received four ratings from its hometown XXXX - three Fs and one C. On XX/XX/XXXX, the Bank responded to my complaint by repeating that the charges are valid and increasing my balance to {$330.00}. As of XX/XX/XXXX, that amount had increased to {$560.00}. So since this dispute began I have been assessed over {$500.00} of interest and fees on top of the original {$27.00} late fee. And, as a result, of this dispute, my credit score has dropped over 100 points. This is unconscionable, particularly in the middle of a pandemic. 

I have repeatedly offered to go to small claims court to settle this dispute. The Bank has ignored this request and simply keeps sending monthly statements charging me more fees and interest. I have filed complaints with the XXXX in both XXXX, Ohio ( bank headquarters ) and XXXX County ( where I purchased the couch ). I have filed a complaint with the California Attorney General 's Office. And, I have even had XXXX XXXX XXXX in XXXX XXXX intercede on my behalf. When do I get to have a neutral arbitrator resolve this insane dispute? I want my credit repaired but, I will not be extorted by a crooked bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contracted Transunion several times about my account with XXXX. XXXX has also contacted them about the error thats on my report. Transunion is the only one saying this account was late when I traded in the car and they car dealership had paid off this account. Ive never been late. They will not investigate with XXXX as XXXX has told me that they reached out to Transunion on my behalf a year ago and they are not sure why Transunion has not updated this account to pays as agreed
Product: Mortgage

I was put into Forbearance during the covid shutdown. I was told by Wells Fargo that I was not going to be charged fees and when covid was over my payments during forbearance would be added to the end of my loan. 

Covid forbearance ended and I began making my payments on time online. here are my payment dates and I have bank statements and Wells Fargo statements to prove. 

XX/XX/XXXX for {$850.00} XX/XX/XXXX for {$850.00} XX/XX/XXXX for {$850.00} XX/XX/XXXX for {$850.00} XX/XX/XXXX for {$1700.00} I spoke with a person from Wells Fargo and she confirmed that my payments from Covid time would be put to the end of my loan and I would just need to start making my normal monthly payments so I did. 

In XX/XX/XXXX I was mailed a check from Wells Fargo for the payments I had made. They said that they were not going to accept my payments and I was now in forclosure. A few days later I had a notice taped to my door telling me they would auction my house on XX/XX/XXXX. less that a month away now. I tried to do more paperwork to refinance. But Wells Fargo told me they wouldn't be working with me and there was nothing I could do to stop the auction. 

XX/XX/XXXX Wells Fargo sent me a check for XXXX $ which would be 5 months of payments I had made to them online. I have been trying to sell my house before I loose everything, I have lived in my home for XXXX years now. I only owe XXXX $ on my home. it is worth {$450000.00}. please help me or point me to who I need to get in touch with to get some help with this situation. Thank you so much for your time
Product: Student loan

When I started going to school back XX/XX/XXXX-XX/XX/XXXX, although I was a kid living on my own and working at a XXXX making $ XXXX/week, I was told that I was making too much money to qualify for financial aid and all could get were student loans. Hoping for a better future, I took out student loans and by the time I XXXX with an XXXX degree from XXXX XXXX University in XXXX XXXX, Florida, I owed around $ XXXX. Realizing that the big-salary-when-I-graduate story was a lie, I was unable to make my $ XXXX/month loan payment and when I contacted by lender, they told be to request a forbearance and that I should continue to do this as until by payment was less that XXXX % of my gross income. Not knowing how compounded interests work, I began deferring and interests started accruing. 25 years later, I now owe over $ XXXX in Stafford subsidized and unsubsidized student loans out of which over $ XXXX are for interests. At one point, aware of my daunting debt and the fact that I will never be able to pay off, I even contemplated XXXX since the dark cloud of a student loan of this magnitude is an intimidating prospect as well as very XXXX since the life of comfort that I had envisioned when I started going to school was now replaced by a life of need because of my student loan payments. This has affected me personally as well since who wants to get involved with someone carrying this amount of debt? I am now in an income-based repayment plan of $ XXXX/month since I ca n't afford $ XXXX/month ( which is what I 'm supposed to be paying ), but the burden of these loans is like a life-sentence in a financial prison for the crime of having wanted a better life and gotten an education. I have no regrets about having gone to school, but I do regret that I was deceived into believing that I would graduate with this incredible job and I would be able to pay off my loans. I regret that I was n't better educated on forbearances and compounded interests. And I regret that the student loan industry victimized students the way it does by calculating interests this way and charging such high interest rates for an education. There is no reason why anyone should owe $ XXXX in interests only!
Product: Debt collection

I paid my account from XXXX XXXX XXXX in XXXX after being sent to a collection agency without my knowledge. I paid the full amount we agreed on and that document was sent to me in XXXX showing the account was PAID IN FULL by Amcol Systems. Now they have sent this fully paid account to another collection agency with a different amount and name without the original account number. The original location was closed a few months later and no account number shows from my only visit in XXXX. This is illegal and I told the Rep that it has been paid and he still tried to collect money. I am not paying for what was settled. Please stop XXXX XXXX XXXX  and XXXX XXXX from harassing me for an account paid in full.
Product: Checking or savings account

XX/XX/year> I received a settlement check from my former employer so I decided to open a new account with that check and {$500.00} cash and the check amount was {$12000.00} made out to me from XXXX. XXXX said we were good money would be available within 7 days. I paid {$5.00} for fee to get my debit card within 2 days and was on my way. After I received my debit card I check my online banking and it stated my funds were all available so I went to the ATM to pull money out and it said my account was in suspense. I walked in the bank and the same XXXX that opened my account came the the teller window I was at and he stated he was sorry but no funds could be with drawn do to check haven't cleared I showed him the mobile app said all funds were available and he still said the check needed to be verified. I left since XXXX stated it would be about 3-4 more days before the funds would be available. During the wait I received a letter in the mail and a a text stating to contact the fraud department or my account would be closed. After calling and staying on hold for 1 hour I was finally told that they weren't releasing funds until the maker of the check verified the amount and who it was made out to. I told them I don't know who makes the checks for them. XXXX XXXX has different bank accounts for different things. went and spoke to different branches I have called several times and they still haven't released my funds. I have shown them the award letter and given them my lawyers number and they still refuse to release the funds. They closed my account and they wouldn't even let me get my cash out. They state unless they get a number of the person who cut the check my check would be in suspense and I would have to wait until they decide to release the funds. I have asked them for a direct line so the XXXX people could call them and they wont give us one. My lawyer is trying to get the opposing counsel to cut another check but now XXXX is saying they wont cut a check until the original check has been declined or returned back to them. It has been close to a month and I don't know who to turn to. The check is good the funds are there why did they close my account and why are they keeping my money from me with no clear date on when they will reject the check or release the funds to me. The bank is XXXX and the branch is in XXXX, California. address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX telephone is XXXX. XXXX XXXX is the person that opened the account for me and said he was the branch XXXX. His email address is XXXX. Please I really need to know how they can just take someones money just because they feel like it. The check is good and should be honored. Their own online banking app stated the funds were available and they have said themselves the funds are there to cover the check he even took a copy of the letter stating the checks were for my wrongful termination settlement. I appreciate the help thank you in advance.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to follow up on my previous correspondence regarding the debt that I am disputing. I would like to provide additional information and formally request the removal of this fraudulent debt from my records. 

The debt in question is associated with a co-signer whom I do not know, and I did not authorize any transaction or agreement related to this debt. My personal information has been used fraudulently, and the details of this debt do not match my records in any way. 

I have taken the following steps to address this issue : XXXX. I have filed a dispute with the credit reporting agencies, providing them with evidence that this debt is not mine. 
XXXX. I have reported the fraudulent activity to the Federal Trade Commission ( FTC ) and have created an identity theft recovery plan. 
XXXX. I have documented all communications with the creditor and the credit reporting agencies. 

Given the circumstances, I kindly request that you assist me in removing this fraudulent debt from my credit report and any related records. I appreciate your attention to this matter and look forward to your prompt response.
Product: Debt collection

CREDIT CORP SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Re : Acct # XXXX This complaint is regarding account # XXXX with Credit Corp Solutions , which claims that I owe {$930.00}, and account has been closed and charged off on XXXX. The company reported inaccuracies of the unknown condition in my credit file. Please terminate collection efforts on the debt and request the credit bureaus delete the tradeline for those inaccuracies per 15 USC 1681 ( a ). 
This is also formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from this company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if they can not validate the debt, they must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that they submit, they are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against the company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) Violation of the Fair Credit Reporting Act ( including but not limited to Section XXXX ). They are also in violation of the Privacy Act of 1974. Per FCRA, I am Federally a consumer and I am OPTING OUT of all authorizations, I the consumer have given them written, unwritten, verbal, nonverbal according to 15 USC 6802. My request is that the credit reporting bureaus remove from my credit file immediately. 
Please Note : This notice is an attempt to correct the records, and any information received from them will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Mortgage

Quicken Loans contacted me on or about XX/XX/XXXX and asked if I would like to close my purchase loan before XXXX and close in XXXX. I said sure and we began the process of the paperwork etc. XXXX XXXX ran the file through automated underwriting and he said he got an accept. If it were not an accept we wouldn't have gone any further as Quicken does not do manual underwrites. So I gathered all documents and geve them everything they could want and more. They did not follow the guidelines set forth by HUD, and they had no overlays. Mr. XXXX kept telling me very rudely that he was waiting for my rapid rescore on my fico. How could that be when my score was a XXXX and the required score was a XXXX. He was definitely discriminating against me for my XXXX. He would not follow the rules of XXXX borrowers who have returned back to work. I didn't like the way things were progressing and I withdrew the file. Quicken never sent me an adverse action letter or denial until I requested one several times. I finally got it on XX/XX/XXXX. It said judgements, bankruptcy, foreclose, or slow credit. None of which I have and if there were any of these things I should have been contacted and made aware so I could have the opportunity to fix the problem. They continue to insist there was a judgement. I am telling you there was no judgement. Then I am looking closer at my file to see what possible reasons I can find and it states : { EXTERNAL ] { POSSIBLE FRAUD SCAM ] DENIAL and then my loan number. So my intelligence tells me they had my loan marked as some sort of fraud or a scam. They need to be able to back that up as to where this information came from as it is not true at all and I am demanding they provide whatever source this is coming from. I have been denied unjustly and if I am on some list I need the opportunity to get myself off this list.