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

I have been a customer of XXXX for over two decades. 

I had always used my own credit card. 

I was recently offered an XXXXXXXX XXXX XXXX via XXXX XXXX  with a promise of a " SOFT ENQUIRY ''. 

I accepted the offer assuming it was a Soft Enquiry.

However, it is now showing up as a HARD ENQUIRY and thus adversely affecting my credit score.

I would not have agreed to the Card had I known it was not going to be a Soft Enquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I have contacted you 7 times to remove old out dated or just not mine information 7 times by fax and phone You have address that are not mine that you will not remove 3 address .XXXX , XXXX , XXXX XXXX XXXX this is a partal address you have it on file. Also you are reporting XXXX XXXX And XXXX XXXX XXXX   they were to to be removed but you have not done so please remove them inquires there are 4 I never made .I will fax you the information with the CFPB case Number on it this was posted on XXXX XXXX XX/XX/2018
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THEY ARE FRADULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WEL AS THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE. SO WITH ALL THAT I HAVE MENTIONED AND THE SUPPORTING DOCUMENTATION, YOU MUST FOLLOW THE LAW AND REMOVE THESE ITEMS ACCOUNTS TO REMOVE XXXX : # XXXX {$260.00}
Product: Mortgage

My mortgage loan began in XXXX of 2016 with the first payment being sent to the original mortgage company of XXXX XXXX XXXX on XXXX/XXXX/16 ( Due XXXX/XXXX/16 ). 

On XXXX/XXXX/16 PHH Mortgage sent notice to me that they had purchased the loan on XXXX/XXXX/16. Beginning XXXX/XXXX/16 I began receiving 2-4 phone calls per day from PHH Mortgage representatives demanding that I make two mortgage payments immediately. They insisted they were owed the first payment that was due XXXX/XXXX/16 ( which had already been paid to XXXX XXXX XXXX ) as well as the second payment which was not due until XXXX/XXXX/16, 15 days in the future! 

I explained to your PHH numerous times that the first payment was already paid to the original mortgage company and that the second was not due for another 15 days. I still received 2-4 collection calls every day. On XXXX/XXXX/16 my bank, XXXX, sent payment for the payment due XXXX/XXXX/16 to PHH and it has been confirmed as received. I still receive 2-4 collection calls each day demanding I immediately make two additional payments.
Product: Credit reporting or other personal consumer reports

This is my new complaint to address the incorrect entries on my credit report. I am disputing these items as they are unrelated to any transactions for goods, services, or money that I have made or authorized. Please remove all information from my credit file that has resulted from these erroneous entries : 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 XXXXEquifax 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 These items are unknown to me and have been deleted from other credit bureaus. I have serious doubts about their accuracy, and the reported payment history on these items is baffling. As mandated by FCRA 605B ( c ) ( 1 ) ( C ), you are required to remove any items listed in ID THEFT REPORT # XXXX. This report was included in a previous correspondence, and I am enclosing it again. My attorney is aware of this situation and is prepared to hold you accountable for willful noncompliance.
Product: Mortgage

Mortgage servicer sought feedback regarding their service via a survey. My response, which was generally negative, pointed out, that, XXXX XXXX, the prior servicer/lender supplied machine-readable copies of monthly statements on their web site, but current servicer does not. Servicer called late in the day, on the XXXX of the month, leaving a message instructing me to return the call at my earliest convenience, but without providing an extension or any indication of why they called. Of course, a call from a mortgage servicer on the XXXX of the month was disturbing because it raised the specter of some problem with the monthly payment on a date too late for timely resolution. When I called, after going through two XXXX phone trees where substantially the same options were mentioned, I reached an agent, who told me that the reason for the call related to the the statement availability issue I mentioned in the survey. The agent mischaracterized the practice of the prior servicer ( referring to " coupons '' ), and then proceeded to say the statements were available. But the statements are not available, unless borrower submits to the servicer 's coercion to forego monthly mailed statements, which I have not.
Product: Credit reporting or other personal consumer reports

Apple Inc prompted me to apply for their credit card, the Apple Card. Before the application, it said that it will have no effect on my credit score. After I filled the application, my credit score was lowered due to their hard enquiry. I called them and told them that it was clearly said that there will be no effect on my credit score. They said yes we said that but there is effect and we can't help you reverse it. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to reach out to Experian from XX/XX/XXXX to today, XX/XX/XXXX. In an attempt to get my credit updated or corrected over 2 years. They refuse to allow anyone to dispute inaccurate information more than once and when it is disputed it's usually investigated within days if not less than hours and found to be accurate without providing any facts or validation to the customer disputing it. 
By law the credit repirting agency must provide information to validate thier investigation, to date none has ever been pro aided which violates FDCPA regulations. 
Experian refuses to update mu credit report for o er 76 days now and has also shown a non existent criminal history in my credit report which to this day has caused extreme repercussions for something that has never happened. 
Currently this is grounds for Federal prosecution in Supreme Court. 
This is not to be ignored.
Product: Debt collection

I am submitting this complaint because CREDIT CONTROL CORP has damaged my financial emotional life. They have been being negligent with their report. The account involved is the following : Account : XXXX Date Opened : XX/XX/2018 Original Balance : {$570.00} I am demanding the item completely removed from my reports. My demand is based on the following actions by this company Re-aging account., Unfair business practices., Negligence., Failure to provide customer adequate customer service., Violation of CCRA., inconsistent report across bureaus., Failed to mail adverse notices., emotional stress, credit score drop, etc.

Please send the attached documents to the company.

Thank you.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to inform you that I have been a victim of fraudulent activity. Upon researching how to remove the fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) website at https : //www.ftc.gov to file an identity theft report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in the removal of the erroneous personal information and inquiries that have been posted to my report. Here is a list of items that were opened without my authorization : 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 NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As per FCRA Section 605B ( a ), credit reporting agencies must remove any items in a consumer 's file that the consumer identifies as resulting from alleged identity theft within 4 business days of receiving the report.
Product: Credit card

Credit Card XXXXpany claims I made purchases which are fraudulent. I tried to resolve this and they claim I did make these purchases. These 3 locations I have never visited
Product: Debt collection

Every day for at least the past 7 months I come home to a voicemail message looking for a person who does not live here. I recently called back the number and told them that person did not live here and to stop calling and take my number off their list. The calls have continued nonstop. When I reached them they gave me another name -- still someone who doesn't live here. I'm just sick of it!
Product: Debt collection

First Letter dated XX/XX/2021 - Tate & Kirlin Associates Inc States I owe {$3100.00} for XXXX XXXX XXXX. Current creditor on document : XXXX XXXX XXXX. Letter alleges authorized to accept 50 % of balance owed. However, I have never heard of XXXX XXXX XXXX, never received prior information regarding this alleged debt. The body of the letter does not indicate any other attempts to collect nor does it have any information regarding type of alleged debt. Body of letter states to dispute within 30 days of date of letter and they will obtain copy of a judgement and mail me a copy of such judgment or verification. 

Second Letter dated XX/XX/2021 - Tate & Kirlin Associates Inc States I owe $ XXXX for XXXX XXXX XXXX  XXXX Current creditor on document : XXXX XXXX XXXX. Letter alleges authorized to accept 50 % of balance owed. However, I have never heard of XXXX XXXX XXXX, never received prior information regarding this alleged debt. The body of the letter does not indicate any other attempts to collect nor does it have any information regarding type of alleged debt. Body of letter states to dispute within 30 days of date of letter and they will obtain copy of a judgement and mail me a copy of such judgment or verification.
Product: Credit card or prepaid card

Wells Fargo credit card bill due date is on the XXXX of every month. We had our bank, XXXX XXXX provides our checking/saving accounts ), remit payment on XX/XX/XXXX to arrive by XX/XX/XXXX and XX/XX/XXXX to arrive by XX/XX/XXXX. Wells Fargo claims payment not received until XX/XX/XXXX and XX/XX/XXXX respectively and charged late payment fee of {$38.00} in each instance. Call placed with Wells Fargo on XX/XX/XXXX to dispute late payment fee for XXXX as payment should have been received on time, and on XX/XX/XXXX to also dispute late payment fee for XXXX as well as an unidentified charge for " minimum interest fee ''. 

Wells Fargo refused to refund fees, and was escalated to XXXX who also refused to take this action and case was escalated to their XXXX case team XXXX XXXX # XXXX XXXX. I question when this payment was actually received, and whether delay in processing on behalf of Wells Fargo contributed to late payment. Furthermore, I find it harder to believe that it would take longer than 7 business days for delivery of payment between XXXX and Wells Fargo. I believe this is a tactic on behalf of Wells Fargo to coerce consumers to leverage their own bill pay services instead. We were frequently encouraged to use the Wells Fargo bill pay services during our interactions with their customer service teams, and advised that bill should be paid in advance of due date instead XXXX which we did subsequent to this issue occurring in XXXX XXXX. 

To date, we have leveraged bill pay services with XXXX for over 15 years and this vendor is the only one that has had issues with payments not arriving on time. We find this hard to believe, and suspect that the issue is with Wells Fargo and their poor business practices. Furthermore, I question why Wells Fargo, a very large multi-branch bank, is unable to accept ACH transfers in lieu of a mailed check for making payments. ACH transfers would ensure that there is no discrepancy between when payment is remitted and when it is received. 

This is the second time we are complaining of this practice ( XXXX was our original complaint ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX CO XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : XXXX XXXX Department Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by XXXX, XXXX and Transunion. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$33000.00} from XXXX XXXX and {$39000.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of, XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

This complaint is linked to CFPB # XXXX - this is the XXXX of the XXXX credit cards with Chase Cardmembers services. 
We were contacted by telephone on Friday XX/XX/XXXX at XXXX ( EST ) by a representative name XXXX who informed us that Chase was reducing our credit limits on all XXXX of our Chase credit cards because our debt to credit ratio was too high and we are now being considered to be a high credit risk. All of our Chase cards have a credit history of 2 years or more however to reach this decision, only 6 mos was used. After some minutes of discussion with XXXX, she transferred us to another representative XXXX. Things went downhill quickly with XXXX as he demanded to know " What are we spending our credit cards on? '' ( Not just Chase all of them - which is none of their business ) - XXXX, XXXX and later XXXX all insisted they used XXXX as the information source to reach this decision on reducing credit card limits on all XXXX of our Chase credit cards. 
On 2 of the letters we received from Chase cardmembers services ( we still have not received a letter on the business credit card ( XXXX ) the explanation on the letter indicates ( 1 ) Rapid increase in revolving balances ( 2 ) Balance owed too high ( on this particular card it was opened in XX/XX/XXXX with a credit limit of {$15000.00} and it only had a balance of {$3600.00} ) We have since paid this account off to XXXX. We have never came even close to maxing out the credit limits on this card. XXXX, XXXX and XXXX all admitted in the phone conversation, they did not even consider looking at the payment history on the card. 
Reason # 3 on the letter indicated the Business Bureau shows PAST DUE HISTORY ON XXXX OR MORE ACCOUNTS. Yet when we went to XXXX, there is no past due history and never has been. As previously stated THESE PEOPLE LIED. 
We feel violated and insulted by the action of Chase Cardmembers Services.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

INQUIRIES : 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 XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

I am XXXX  and facing financial hardship. As of today, XX/XX/2023, I have paid a total of {$1100.00} towards my {$510.00} loan. 
I asked to close my account with a final payment of {$50.00} and they would not accept my offer.
Product: Debt or credit management

I signed up with Clear One Advantage in XXXX for a debt settlement. A settlement agreement with the lender was reached and I have been paying bi-weekly to Clear One ever since including Clear One 's fees which were never expressly stated. I increased my bi-weekly drafts to finish the program and based on what my assigned specialist told me in XX/XX/XXXX, my last draft was submitted in XX/XX/XXXX. Prior to this, phone representatives could never give me an accurate payoff amount ( this includes the " specialist '' ) and it would go up and down based on the representative. At one point I was told the company was due to return {$12000.00} to me. 

On XX/XX/XXXX a draft was withdrawn. I had been expressly told that these would cease after XX/XX/XXXX. In sum, the company provides inaccurate information if not commits outright fraud. It is unclear when ( if ever ) I will get out of this and at what cost. Please provide assistance.
Product: Credit card

I have a charge account that is control by Wels Fargo where I had a balance of XXXX and a XXXX charge of interest had been added to the account. I have not been receiving the bills and I have been telling them that as well. Every time I talked to them they said my address has been corrected and I still never received my bill. Now that they say the terms have passed they say I owe the total amount of interest on the account. I tried to explain this to them but they did not care. They said it was my fault and that I owe them the money. I have paid the remaining balance the XXXX. I do n't know what to do, this seems like it is fraudulent on their part. How can XXXX be add to an account with a balance of XXXX?