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

I Open up XXXX XXXX XXXX credit card account inXX/XX/XXXX and i always made my payments on time and never been late and i was out of town during the summer of XXXX and my credit card was stolen ending in XXXX and i never use this credit card at all and i noticed there are the charges i didnt do nor i do business with and i filed a dispute with XXXX XXXX XXXX and few months later it was denied by them and they marked the card as ' as lost ' and i called XXXX XXXX XXXX and reopen the investigation around XX/XX/XXXX and they marked my account as a stolen card and i fax it over them and so far i havent heard from XXXX XXXX XXXX and i check my credit score and it went down to XXXX from transunion and i called XXXX XXXX XXXX on the XXXX of XXXX and asked them to email or send a letter to 3 major  credit bureaus and letting them know that my dispute isnt closed but the refuse until this day i have a major and outstanding balance of XXXX and it showing on my transunion  credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for two days to get in touch with Equifax to temporarily unfreeze my report. When I called they said they were having issues with the accounts/website and to call back later. I have been on hold for 2 hrs trying to call them back because I can not access my information by phone nor by the Equifax website to remove the freeze. 
I have a mortgage loan application pending and need this to be done ASAP
Product: Debt collection

I started receiving numerous robocalls from  Southwest Credit Systems  several times a day from different numbers, all tracing back to them, about a bill they are trying to collect on. One day I answered and told them to cease and desist after they tried to get me to verify an account. I told them to send me any communication they need to in the mail. They proceeded to report the account on all  3  of my credit bureau reports. I do not owe this compan y ( Southwest Credit Systems ).  I have not signed anything with them. I do not have a contract with THEM. They called multiple times before the cease and desist request, in an attempt to abuse and harass. The called from  XXXX  twice in a row on  X/XX/17   , from  XXXX  twice in a row on  X/XX/17   .  XXXX  2 times in a row at  XXXX  and 2 times in a row at  XXXX  and  XXXX  on  X/XX/17   . From  XXXX  on  XXXX  and  XXXX . They called 6 times from  XXXX  on  XXXX .  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX  and 6 times from same number on  XXXX .  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX ,  XXXX . I know this because I have screenshot all of these calls, all made during a time when I was at work and could not answer the phone. Again, I do not have a written contract with this company and they have not sent me anything showing my signature on anything I owe to THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've applied and was approved for a business loan in XXXX 2016 through Wells Fargo with a promise by the business banker that after 3 months I could get a refinance through Wells Fargo. Several months into the loan, I found out that Wells Fargo wrongly reported to the credit bureaus that my business loan account was delinquent by two months or missing two payment, but the truth was that I had been paying the account on time and in good standing. I later reached out to them to rectify the problem, but it took them nearly six months before they could fix the issue. Throughout that entire six months period, I was unable to secure additional financing for my business, which led to a snowball effect of debt accumulation and missed opportunities for the business. Although the wrong report on the credit profile has been fixed, our company suffered much damage, which led to our inability to pay for our other business credit cards and personal credit cards and a direct impact on both my business and personal credit reports. I have asked for a compensation and submitted evidence of denial of credit, but Wells Fargo Business Direct resolution team refused to budge and even sent us a lawyer letter.
Product: Debt collection

Daily calls from Gila Corp. XXXX XXXX about collecting a debt of which I have none.
Product: Money transfer, virtual currency, or money service

I have 2 active settlement claims with cashapp about missing funds and I never got them
Product: Debt collection

The account has been paid. On XX/XX/XXXX and XX/XX/XXXX we had a 3 way communication between the XXXX XXXX representative, collector representative and myself. XXXX had informed them that the bill being collected was a part of a previous bill that had been paid already. XXXX provided them the payment details and verification codes. EOB was sent to the collector. This bill was when I had XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had met all my deductibles with XXXX. I also have XXXX that would have covered any balances left over, if ever. I am a responsible citizen who abide by the rules and pay any obligations due on time.
Product: Debt collection

Meridian Financial is trying to make me pay for a time share that I never purchased or want and Have never seen. They have put three different collection notices on my credit and continue to call and won't stop. I returned a false billing letter from them about 60 days previous after calling and speaking with a rep. from their firm explaining they must have the wrong party and I sent it back to them so stating via the US post office with a required signed return certified to them. They have since posted three different amounts for collection all on the same day XX/XX/2018. to our/my credit, the amounts are {$930.00}, {$880.00}, and {$810.00} are the amounts on my credit for collection currently. This is all false as I informed them and that would be willing to defend myself in court if they so chose to do. My wife and I have no income other than our Social Security and can not afford more than what our cost of living, medical and food is now much less buy some kind of vac. thing anywhere. They were informed of our financial situation but seem to just ignore facts. Please help. My daughter checked this company out on the internet and found that they have a record of this kind of thing and many complaints filed on them. We have good credit because we do not spend what we don't have and I think that is why they used us, some how they have our name and address but we never have signed any thing or would do so. Thank you, XXXX XXXX
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. 

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, has violated my rights.

15 U.S.C 1681 Section 602A States, I have the right to privacy.

15 U.S.C1681 Section 604A Section 2 States a consumer reporting agency can not furnish an 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 or any other adverse items 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

The information is incorrect. Accounts that show as charge off didnt send 1099 and they supposed to. Then the information being submitted is incorrect. It has damaged my credit score and has hindered me from be able to buy a house. I have tried to dispute through XXXX XXXX  dispute and certified letter, and nothing has been done. The account amounts and date are wrong. section 609 of the Fair Credit Reporting Act ( FCRA ) i have debts tha have been settled and resold to different collections agencys.
Product: Mortgage

We were scheduled to reach 78 % LTV on our mortgage in XX/XX/2019, so our PMI should be removed by the company. I called them in XXXX to see what we needed to do and was told that it would automatically take place in a couple of months, but that I should call back and keep on top of it because sometimes they " forget '' to remove it. 

So I called back 2 months later and was told that our Escrow would have to be recalculated to remove it and that it would be done in the next few months and we would be receiving a statement int he mail. 

On XX/XX/XXXX I received our new Escrow statement and the PMI has not been removed. Not only have we been charged {$260.00} in PMI payments that we shouldn't have, we are scheduled to continue paying them through next year. 

I have tried to reach out via phone several times and can never get anyone on the phone - I just sit on hold for over an hour. I have also tried to reach out via email through their website, but I am not getting any answers on when this will be resolved. I spoke with someone today and she can't figure out why it hasn't been removed or how to help me. 

I don't want to have to get a lawyer involved and I'm trying to get this resolved without having to take legal action. Any help from anyone on how to resolve this is appreciated.
Product: Credit reporting or other personal consumer reports

I called XXXX  and tried to make a full payment and the lady refused to take my payment over the phone, I told her I couldn't log in online, she said wait XXXX hrs and try again to change the phone number for the XXXX factor authentication, so, I wait, and tried and the same old phone was still on there. I go to work then look at my score and it has a late payment other from XXXX. I called them agin XXXX times and paid the bill in full, they suddenly would take my payment over the phone, I talked to the supervisor XXXX and he assured me the late payment would be taken off the next day on XX/XX/year>, they never did it the first call. Second call was to get an e-mail stating that the account is paid off, and to ask about the late mark removal. No e-mail. Third time trying to get the e-mail, and late mark off said they sent it will send again, and contact the reporting agency to remove the negative remark,. No e-mail, no removal. I've done everything on my end they will not do what they say.
Product: Checking or savings account

Hi! 

My name is XXXX - I tried to open a checking account with Flagstar bank- on XXXX Flagstar withdraw my {$500.00} initial deposit from my XXXX XXXX account. Since then, I never received anything from the bank - no mail, no account #, no debit card to use my account. I called multiple times to the customer service and spent hours with them - asking to resend me a card, provide me my account number- did not get anything. Their response is that I have to set it up through an email which I got which supposed to let me to set up an online banking, but which does not let me do anything without knowing my account number. 

Finally, I gave up and decided to close my account. 

I spoke with a supervisor XXXX XXXX at XXXX- he told me verbally ( nothing in writing ) that it is up to back office to decide if they let me to close my account and that they would charge me $ XXXX {$30.00} for early account closing. After about XXXX weeks he called me and told me verbally ( nothing in writing ) that per back office I have to write a letter to close my account- but I do not know for sure if my account was ever opened, and I do not know my account number. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has illegally reported a total count of nine late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Debt collection

They refused to provide original signatures, refused to provide license that they have authority to collect, just keep stating that it is in the ruling of fcra which it is not
Product: Debt collection

I am currently trying to purchase a house. I have been dealing with this issue for several years now. The original company was originally XXXX XXXX XXXX XXXX XXXX ( XXXX ) representing XXXX XXXX who bought a debt from XXXX XXXX. Since then the accounts of XXXX have been taken over by Cooling and Winter after XXXX went out of business. Cooling and Winter were the business partners of XXXX XXXX XXXX. 

In 2013 I received notice from the XXXX County, Ga court house to come and pick up a judgment against me. I had never received anything in the mail prior too or any phone calls from this company notifying me that I owed a debt, or any information on how to dispute the debt. Because there was a judgment against me, and because I had never been in any trouble, I assumed bc this company used the court system that it was a legitimate claim. I contacted XXXX and spoke with a representative to schedule payment arrangements. The representative never told me which company had the original account against me or what my options were at that time. I made several payments to this company, but my balance was not decreasing, so I asked the representative about it and she gave me something about having to pay interest on the account and told me that she would connect with me an attorney within there company to explain. She also said some other things, that was not adding up, so I begin researching the company on the internet, and realized that something was not right. After further research and review of my credit I realized that I have never had any accounts with XXXX or XXXX XXXX so I stop paying them. XXXX XXXX XXXX never reported any information to the XXXX County, GA courthouse of payments that I was making to them. 

There is currently a court judgment against me that I am disputing. I have also filed a dispute with Cooling and Winter. The representative at Cooling and Winter told me that in order for it to be settled, I would have to prove that I never owned the account. XXXX XXXX XXXX violated several consumer practices when filing and attempting to collect on this debt. I do not owe this debt and this is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to remove the inquiries from the credit reports. 
TransUnion XXXX ( Finance ) XXXX XXXX XXXX XXXX DC ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. This amount ( XXXX ) owed are no longer outstanding for the following items : Party Owed : I XXXX XXXX Amount : {$800.00} I am disputing this claim because I have NO knowledge of this account. It is FRAUDULENT and I am requesting that it be removed IMMEDIATELY! This is my official request to have the aforementioned item to be deleted off my credit report.
Product: Payday loan, title loan, or personal loan

To whom it may concern, I am very disturbed about my dealings with a company know as Check n Go I was under the impression that given the CARES ACT in place given the pandemic, that 300 % interest rates had been curtailed. I have dealt with this company in the past and the interest rate had been halted due to the virus. 
The loan for {$5000.00} was opened in XXXX of XXXX and to date XX/XX/XXXX I have made a substantial payment of {$1100.00}. When contacting the company, I was told that the monthly interest had already accrued and I was owing exactly what I had initially borrowed all over again. 
This is unethical and constitutes thievery. I am operating in good faith to pay back a loan as quickly as possible but was told by an employee that the first nine payments go entirely to satisfy interest only resulting in a XXXX XXXX dollar balance owed. 
I ask for the help of the CFPB to make contact with this organization and to reign in this practice once and for all. This is resulting in taking severe advantage of people that have no idea of the methods of this company and their true stealing practices.
Product: Credit card or prepaid card

On XX/XX/2022, A stranger logged into my account and ordered merchandise without my knowledge or permission. When I noticed this the following day, I called Kohls to stop the shipment because XXXX had not received it yet at that time. I explained to them that this was a fraudulent charge and to stop the shipment, but they did nothing even though they had every opportunity to do so due to the fact that they still had the merchandise. I filed the fraud charge and they still have not investigated it or removed the charge from my credit card. They said this may take 60 days! That would cause me to have late fees, interest charges and it could affect my credit score by having a higher balance on the credit card. They put a restriction on my account because of the fraud and i am unable to order merchandise without contacting them and I called them. Even after contacting them because they said that they were not able to verify my phone number, I am unable to place my order. The merchandise that I want to order can only be ordered online and not in the store. This is a huge headache and no one there will do anything to help. Most of the time when I have requested a supervisor they refuse to transfer the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was reported late in error for months of XXXX and XXXX by Upgrade for a personal loan. Contacted Upgrade and Upgrade sent a correction via email to credit bureaus on XX/XX/XXXX. On XX/XX/XXXX I was again reported late by Upgrade in error for XX/XX/XXXX. On XX/XX/XXXX I was reported yet again late for XX/XX/XXXX and I contacted company again providing them with documentation notices from XXXX and XXXX showing XXXX days late. Upgrade advised it was a duplicate complaint closed case. Called on XX/XX/XXXX, to tell Upgrade it was not a duplicate complaint that they in fact reported me late again, this time for XXXX. Upgrade then reopened the closed ticket. On XX/XX/XXXX, I called to ensure the new erroneous reporting ticket was still open and was told the reopened complaint flagged as a duplicate and the case closed again! I have never been late with Upgrade, they show on their system I have never been late, but nonetheless still reported me late for XXXX, XXXX and now XXXX!!! My credit scores have tanked and they continue to report me late, and continue to close the XXXX reporting error ticket as closed!
Product: Mortgage

XX/XX/2015, hired a lawyer to handle the complete payoff of our Well 's Fargo mortgage. We questioned close to XXXX in fees and charges. They then sold the house to themselves, and are now evicting us. Spent XXXX on lawyers who wanted more to proceed. Filed suit on our own which is attached. Please review attached documents for detailed story. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seeing an unauthorized inquiry on my credit report this morning was both frustrating and alarming. I wasnt expecting to find any issues, yet this discrepancy suddenly appeared. I attempted refreshing my browser, hoping it would disappear, but it didnt. This needs to be resolved immediately, and I expect a thorough review of my submitted documents to prevent this from ever happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : US DEPT ED Account Number : 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 an account without my written instructions.