23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There really wasnt a correct option to choose. This is about the medical data systems reports on my credit report. Its not fair to file a no paid bill on my credit report when Ive NEVER received a bill from anyone on this. From my understanding my insurance paid and it stopped there. No bills were sent to me for any remaining balance. If I am NOT aware of the bill then it cant be held against me! SEND ME A BILL and LETS GO FROM THERE, BUT DONT FILE A CLAIM AGAINST ME FOR SOMETHING I AM NOT AWARE OF. THATS JUST WRONG!!! I pay my bills, my creditors are happy with me. This office or hospital ( who ever this bill is supposed to be for ) is just dishonest. Notify the person of a bill! It only takes a dishonest XXXX that cant do their job to not do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I applied for a XXXX co-branded VISA with XXXX XXXX. I was approved, but on XX/XX/20 I received a notice from XXXX XXXX advising me that they did not assign the best interest rate they offer. This notice included information as to why this was the case. 

Included in this notice were key factors adversely affecting my score : 1.  Highest ratio of bank revolving balance to credit limit was too high 2. Too few revolving accounts 3. Insufficient mortgage information 4. Too few accounts currently paid as agreed I reviewed my Transunion report on XX/XX/20 and none of these items appear, with the exception of item # 3, which seems to have dropped off ( my mortgage with XXXX XXXX  is suddenly missing from my TransUnion report, possibly due to a transfer of that loan from XXXX  to XXXX ). 

My credit usage is less than 20 % of available credit lines. 
I have 5 or more revolving credit lines. 
All are current, and have been current for 6 or 7 years, at least. 
No accounts are not " paid as agreed. '' I contacted XXXX XXXX   and was advised to contract TransUnion. I contacted TransUnion, and they provided a copy of my credit report which does not match up with any of the reasons stated by XXXX XXXX  as to why my score was low per their review. 

I need to see the reason why XXXX listed these reasons for my score. Their source, TransUnion, does not seem to provide any basis for this.
Product: Credit reporting or other personal consumer reports

Equifax Stated in their response ( attached Below ) that they Verified a Bankruptcy and I quote '' this information is often obtained from a medium ( ie.Paper records or a computer data base prescribed by the source of the information ( IE. courthouse or other government Entity. ) I have provided proof that the information was never reported to any vendor, or credit reporting agency. If the information was never reported directly from the source then how can you verify information that was never given from the actual source? 

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure accurate reporting and limit the purposes for which consumer reports are furnished. Equifax are not meeting these standards.

Finally, pursuant to 12 CFR 1016.7, I exercise my right to opt out of your reporting services effective immediately. 


I insist on your strict compliance with Metro 2 reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items.

The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system.

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items.

If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against National Credit Adjuster. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its saying I have a XXXX and I dont it was reduce to a clan XXXX  I need that changed please and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXX {$670.00} reported on credit report. I am asking for full investigation into accuracy, also asking for removal from TransUnion report. 

XXXX XXXX XXXX XXXX, MA XXXX XXXX - XXXX - XXXX
Product: Payday loan, title loan, or personal loan

I applied for the personal loan on XX/XX/XXXX to XXXX in the amount of {$900.00}. I was lead to believe that I would be able to pay off early without penalty meaning if I paid it in the first month it would be paid in full. No interest or fees charged. 
The paperwork that I received gave me an interest rate of 767.26 %. I did not understand what this meant until I spoke with family. 
There was no clear information or an explanation of detail from river valley loans. 
I called them today, XX/XX/XXXX and requested a payoff. They only gave a verbal quote of {$1000.00}. I have made one payment of {$240.00}. this loan of {$900.00} cost me {$420.00} for two weeks. This should be against the law and I hope that this type of predatory lending can be stopped. 
I am attaching the loan agreement for reference. 
People who have XXXX are targeted and should be stopped.
Product: Checking or savings account

I bank with Chime bank and on XX/XX/XXXX a fraudulent transaction for {$600.00} came through from XXXX. I first tried to contact XXXX about this {$600.00} charge and they refused to help me and I can not get thru to their support. So I reached out to chime to open a dispute on XX/XX/XXXX. 

Chime opened the dispute and asked me to send them proof/police report with in 10 days which I sent out immediately. Chime closed my dispute within 3 days of opening it in favor of the fraudulent charge. I know for a fact that my forms/police report/ XXXX transcripts did not arrive at chime in those 3 days. So basically chime did not properly investigate this and did not look at the stuff I sent them .I was suppose to have 10 days and only got 3. Now, chime refuses to respond to my request to reopen the dispute and look at what I sent them. I want my {$600.00} back and I want chime to properly dispute this transaction.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my transunion, XXXX and XXXX credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I received a letter XX/XX/21 from Wells Fargo Bank, N.A. stating I opened a new credit account with them and a new credit card will be mailed to me. 

I never applied for a Wells Fargo Bank credit card. 

I have not received a Wells Fargo Bank credit card. 

I do not want a Wells Fargo Bank credit card. 

I attest this statement is true to the best of my ability. 

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

I am a victim of the Equifax data breach. I am a victim of identity theft. Equifax has not responded within the timeframe given to complete an investigation about this fraudulent account being reported by XXXX XXXX XXXX along with the address they are reporting. This account and address needs to be removed immediately. I have been going back and forth with Equifax for months about this account and its been costing money, time and peace of mind. They need to take this complaint seriously or I will have no choice but to file for litigation.
Product: Mortgage

XXXXXXXX XXXX XXXX XXXX VA XXXXI never authorized ANYONE to access my credit on my behalf and I NEVER APPLIED FOR CREDIT WITH ANYONE, AND I DO N'T HAVE A MORTGAGE LOAN of ANY KIND. 

I wrote letters to all the credit the BUEARUS IF YOU CAN CALL THEM A BUEARU??? and all they do is ignore me and say VERIFIED.I ask them to show me the proof, a request for a loan and signature from anyone any agency and all I get is nothing no reply you are the only XXXX to reply with this lame XXXX letter to contact to contact XXXX XXXX and XXXX XXXX. I will send them a copy of this letter and your letter to remove the UNAUTHERIZED INQUIRES. 

XXXX XXXXSS # XXXXPhone XXXXReason for dispute is your gave access to my credit without my permission and I demand the unauthorized inquires be REMOVED!!!!!!! 
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Product: Debt collection

My father in law ordered service from XXXX XXXX. He put the service on delay for the winter because he traveled. When he got back, he was told he was in collections. They used my name as a creditor for him and then put me into collections. He never received one thing from them. After fighting with both XXXX and Credit Collection Services, I just paid the {$120.00} to get rid of the aggravation and asked them to remove from my credit report. After paying, both companies refuse to remove from my report. I refuted this with XXXX and they took it off my report but the other 2 companies still have it on. So for {$120.00} false charge, I now have to pay over {$2500.00} in closing cost. I will be seeking a lawyer unless XXXX XXXX removes this from my report. They said it's not their policy but it's also a bad policy to bill someone errantly, never send any notice, then put a mark against their credit and then do absolutely nothing to resolve it once someone pays it. All I am asking is for an email stating they will remove this from my report so my credit goes back to 800+ where it belongs. 

Thank you.
Product: Mortgage

My Lender is BOKF XXXX Bank of Kansas City. I contacted my lender when I lost my job back in 2013. XXXX XXXX gave me the number for XXXX XXXX in the loss mitigation dept. then transferred to XXXX XXXX, and XXXX others though my single point of contact was XXXX. I was not able to work with a single point contact so this made getting assistance very difficult. I tried to bring my loan current XXXX separate occasions each time I was given the wrong information where and how to pay. Not XXXX of these employees knew ... XXXX XXXX, XXXX ( underwriter of my loan ), the collections department, 24 hr support member, XXXX XXXX XXXX XXXX told me he was going to text XXXX to ask if it would be okay to bring payment to the branch ) I did get to deposit it however XXXX said that he could n't except it because it was n't the full amount past due and people get the wrong idea and think everything is okay with their mortgage and then they get foreclosed on. The application I had to complete I was given ten days, 14 days, told my application was missing documents and I need to send them ( for the XXXX 3rd time ) quickly because my papers were on a stack on the attorneys desk it just has n't been picked up yet to be foreclosed on. By the time I received an answer about my approval for a forbearance plan I had a letter in the mail saying the forbearance is revoked for failure to pay the payment in the agreement I never received notice about. I find steady work again so they do a loan modification, it made my payments higher and they never sent them back to me with the banks signature. Unemployed again now for reasons beyond my control. Now I have XXXX XXXX, XXXX, and another gentleman. My house gets auctioned off in 19 days. XXXX would not let the housing counselor stay on the line with me to ask about a special forbearance or repayment plan. They lost my paperwork to make the application complete. I have the conformation page that shows I sent those documents. XXXX says I have no options, the other gentleman states he does have the " missing '' documents but its to late I do n't have a job so they cant help me, XXXX says my only option is a repayment plan. I have done what the letters say to get help, I called the XXXX counselor but the loss mitigation dept wont allow her to stay on the pone, I give the papers back in less than thirty days like the instructions tell me.. in 14 days. It is hard to get that done with limited funds. I do n't know why this is happening or why I cant get assistance from anyone.
Product: Debt collection

I received a letter from debt collector, Unifin. I called Unifin because I am in complete disagreement that I owe any debt. Unifin told me that they had no information regarding the debt other than they were directed to collect the debt. The debt description was " XXXX '' on the letter, I called XXXX to research and understand the debt. XXXX went through their records and found that I have NEVER owed any money to XXXX, there has never been any debt owed from me to XXXX. So I called XXXX XXXX who claimed to have purchased the debt from XXXX and then redirected the debt to Unifin. XXXX XXXX was adamant that I owed them the debt and that regardless what XXXX said, my debt had been sold to XXXX XXXX. XXXX XXXX claims they sent me a letter in XX/XX/2021 to collect the debt and I never responded. So now in XX/XX/2021 I received a letter from Unifin to collect the debt. I immediately reached out to Unifin to understand what the debt was all about. 
I completely disagree with this debt and collection - I have no credit with XXXX, never have. I believe XXXX XXXX is acting fraudulently claiming I owe debt that I do not.
Product: Checking or savings account

My paycheck was supposed to be deposited in my account on XXXX, XX/XX/XXXX. I received an email last night saying that there was a technical problem. Now today, XX/XX/XXXX, the money still has not been deposited. They are still taking money out of my account for bills I am paying, but have still not deposited my paycheck. So the money can flow out of my account, just not into it.
Product: Credit reporting or other personal consumer reports

I am reaching out to report multiple inaccuracies in my credit file, such as incorrect account listings, an unfamiliar collection, unauthorized inquiries, and billing errors. I kindly request your assistance in resolving these issues to protect my financial security.
Product: Credit card or prepaid card

I was issued a mastercard virtual prepaid disbursement card as a part of claim through XXXX and i am unable to redeem it in any of the online stores I would like if someone could tell me how can i use the money
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit bureau has not provided with validation of the following inquires that appear on my credit report. I have requested on several occasions for full validation of these inquiries. I do not recognize them and would like it to been taken off. Base on the law, information on this report must be accurate, no errors and verifiable. Please send proof for such with my signature authorizing this. 

XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXX/XX/XXXX
Product: Checking or savings account

XXXX many different companies had access to my account. I called wells fargo to get things straighten out but nothing was done so I had to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I attempted to reached out to an unknown creditor that seems to be an alleged debt after making several disputes this unknown creditor came back as verified on XX/XX/23 I disputed again with this company asking what method of verification was used in order to determine this alleged debt that belongs to me there was no further reply from the company as of XX/XX/23 still no reply of a request of method of verification this account updates every month with inaccurate information there is no valid contact information either to speak to a representative or customer service no email nor phone number to contact
Product: Vehicle loan or lease

During my vehicle refinance with Flagship I purchased GAP insurance from what I understand was also through Flagship ; but due to extremely poor loan servicing I again refinanced via XXXX XXXX XXXX  XXXX. I am owed a GAP insurance refund from Flagship Credit Acceptance that I have yet to receive. I have repeatedly called asking for the status of my refund and gotten a different answer every time. This leads me to believe that Flagship does not intend to issue my refund. I am sure there are many former Flagship customers that are in the same predicament ; therefore this is my formal notice to Flagship management that if I do not receive my GAP insurance refund by XX/XX/2019 that I will file a Class Action Lawsuit against Flagship. You can either pay me the few XXXX that I am owed or you can pay out millions as you did recently with your {$4.00} XXXX auto-dialing class action settlement. I am a hard working man with a daughter to put through college so every XXXX counts. I refuse to be taken advantage of and I need my money. I expect someone from Flagship to call me ASAP to tell me the following ; what is my GAP insurance refund amount and when will it be sent? A copy of this complaint has been sent to the Consumer Financial Protection Bureau, the Pennsylvania Attorney General 's office, and the Tennessee Division of Consumer Affairs ( DCA ). It would be most unwise to take this complaint lightly. I WILL get what is owed to me one way or the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus Last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts : XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} Consider this as a follow-up complaint to my previous letter and to notify you to validate the aforementioned accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following account as the last payment on the account was made over XXXX  years ago : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX fraudulent charges totaling over {$1400.00} in minutes over night wrongfully utilized in XXXX XXXX XXXX I was not notified of suspicious transactions. I woke up to a push notification that I had less than {$20.00} in my account. Called card immediately, emailed the places in XXXX, report with police, report with sheriff dept, emailed internet crime complaint center ( XXXX ), faxed XXXX different dates, from XXXX to XXXX, to the card company, found out over a month later after getting different stories from different customer service representatives that I was getting a full refund on this date and then that date, I was getting the run around for 2 months My fraud case had been closed in early XXXX. I was never notified my fraud case was closed. My case was closed due to a partial refund from XXXX of the companies ( I think because all the transactions happened soo fast that XXXX company wasn't able to get the full amount out of my account ) I believe this was an inside job of this card company.
Product: Mortgage

I am very upset and concerned with my bank Wells Fargo who refuses to help my wife and I on our financial delima. I 've been a loyal customer for 30 years and my past credit rating was excellent until just recently since my wife is no longer able to work. She has filed for XXXX which will take quite some time which does not help us right now which we need desperately. Our car is in repo status and we will not be able to make next months house payment due to XXXX that an XXXX has to remove from my mouth which is very costly. I only owe XXXX dollars to pay of my home and it is appraised by Wells Fargo for XXXX dollars. It is beyond me why Wells Fargo is unwilling to let me access some of my equity to keep us from loosing our home and our car. I do n't understand why Wells Fargo will not help us since our credit has gone down hill recently. If they would just review my past credit history which I 'm sure that they have not, maybe then something could be resolved to get us the help we need. My name is XXXX XXXX XXXX. My email address is XXXXXXXXXXXX and my cell number is XXXX. Hopefully this complaint letter will make Wells Fargo see that they are in the wrong by treating a valued customer as myself and do the right thing and help us on this matter.So many times in the past my bank has helped me out and my question is when I need them most, why ca n't they help me now. XXXX XXXX
Product: Checking or savings account

XX/XX/2022, I went Citibank on XXXX XXXX XXXX XXXX XXXXXXXX California. I tried to wire XXXX to XXXX  for my girlfriends wedding ring. They told me they wouldnt send the wire and they shut my account down. My account has XXXX in it. I havent received any of my money. This isnt fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX XXXX. XXXX XXXX XXXX {$110.00}