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

On XX/XX/2021, I called XXXX XXXX XXXX  to inquire about an account that shows on my credit report as being in collections. On that same day, I settled the account with them for a lesser amount and was told that all three of my credit reports would be updated between XXXX XXXX to reflect that the account is fully paid. On XX/XX/XXXX, I checked my credit reports, and it shows that they did update my credit report but not showing that it had been settled, but that payment was received and that I still had a balance showing that it was past due. I disputed XX/XX/XXXX with all three credit bureaus to have information updated to report the correct information. I have received the dispute back on XX/XX/XXXX from Equifax, and the information that came back was after they researched the credit account. Account # - XXXX ( please refer to page 6 of the Dispute from Equifax ) The results were that the creditor has verified to Equifax that the balance has been reported correctly. The following fields have been modified. When I looked at my credit report, I saw that they updated the payment back to the original amount as if it never been paid. I sent in proof from the collector that shows this has been paid and settled. By the information being reported wrong again, this is going to cause my report to be affected
Product: Student loan

I have file several complaints with Equifax to remove the XXXX student loans accounts for National Collegiate Trust ( NCT ) because they have reached the 7 years mark of being on my credit report. Each time they wrote back stating that after the investigation of the XXXX accounts belong to me ; but my request stated that my dispute was that the accounts has been on my report for 7 years from its XXXX delinquency not if the accounts belong to me! I feel like this is a tactic of theirs by giving me the run around to be able to report debt pass the legal law requirement. I have attached the letter of dispute I sent to XXXX XXXX/XXXX/XXXX, the tracking number for proof of delivery, XXXX response credit File number Confirmation # XXXX date XXXX/XXXX/XXXX of the investigation to my request of dispute, XXXX file number XXXX XXXX response to my question regarding how long information remains on file, XXXX XXXX credit file number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for NCT, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for NCT and a XXXX letter head from NCT. Please have the National Collegiate Trust ( NCT ) remove from my credit report, for they have served there serve years from the XXXX date of delinquency on my credit report. I believe NCT has an account with Equifax and that is the reason they are giving me a hard time ( the run around ) with removing the XXXX accounts NCT is reporting on my credit report. I sent the same request to XXXX and XXXX and the accounts was removed. This company has broken many law and has learn how to avoid CFPB by not being a register company. They report on my credit report as National Collegiate Trust on XXXX and AES/NCT on XXXX, American Education Services ( AES ) on XXXX but is registered as American Education Services. My complaints with CFPB in XXXX stated they could not investigate National Collegiate Trust because the company could not be found and I can not file a complaint that has XXXX names ( ie. NCT/AES ). It 's my belief that NCT is practicing fraudulent tactics and really need to be investigated fully!
Product: Mortgage

I have a mortgage with Wells Fargo ( Loan No. XXXX ) and first put my XXXX XXXX house ( XXXX XXXX XXXX, XXXX XXXX, OH. XXXX ) on the market in XXXX 2015. I have maintained this property since I was divorced and filed bankruptcy in 2000. However, due to the house needing repairs that were beyond my financial ability to handle, I applied for a short sale in early 2015. I was approved for a short sale and Well Fargo appraised the house at {$22000.00}, though I owed {$62000.00}. I re-located in XXXX of 2015 due to conditions becoming un-livable. There have been no offers or even buyers inquiring on the property at {$22000.00}. 
Wells Fargo then retracted my approval for the short sale in XXXX of 2015. I then submitted an appeal with my updated financial worksheets showing a deficit. I asked for XXXX of XXXX options : 1. a deed in lieu of foreclosure. 2. Reconsideration of the short sale and an updated appraisal of the house based on fair market value. 
I was approved for the short sale and an appraiser from Wells Fargo was sent to property. However, they refused to release an amount. My realtor & I received an offer for the property of {$5000.00} and submitted this to Wells Fargo on XXXX/XXXX/15. The following properties have sold in my area for the amounts listed : XXXX XXXX XXXX, XXXX XXXX was listed at {$29000.00} but sold for {$5500.00} XXXX XXXX XXXX, XXXX XXXX sold for {$7000.00} XXXX XXXX XXXX, XXXX XXXX sold for {$6400.00} XXXX XXXX , XXXX XXXX sold for {$4500.00} I received a letter from Wells Fargo dated XXXX XXXX, 2015 that the short sale was again retracted. When my realtor, XXXX XXXX ( XXXXXXXXXXXX XXXX ) called Wells Fargo to find out why she was told that I had a surplus in financials due to the following : They do n't count tithing as an expense. 
They have limits on certain categories as to how much I can count as an expense. 
The first reason seems like a violation of my religious freedom. The second reason seems impossible to meet. My realtor was told that a single person could only count {$250.00} a month for ALL automobile expenses ( gas, insurance and car payment ). I spend {$100.00} a month on gas, {$97.00} a month on car insurance and {$300.00} a month on a car payment. This limit hardly seems reasonable. 
My house is going into foreclosure after my attempts to work with Wells Fargo. I feel I am trying every attempt to avoid foreclosure and work with the bank but I am hitting walls. I would like to resolve this issue and allow the house to sell for what is fair market value.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXXL # XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy. 15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several accounts with XXXX XXXX when I filed for bankruptcy. Instead of XXXX reporting the accounts as included in the bankruptcy, they are reporting them as sent to collections. These accounts had never even been listed as 30 days late prior to my bankruptcy because they were current. They are not only reporting the accounts that were open at the time of the bankruptcy as sent to collections, but they have also taken accounts that had been paid and closed long before the bankruptcy was filed and are claiming the same with them as well instead of reporting them as closed at the consumer 's request and paid, never late.
Product: Checking or savings account

Hello I received the offer attached below ( glad I printed it out as reference ) from Chase online. I have a XXXX XXXXXXXX XXXX credit card and the attached offer was pushed to me during an online session. As indicated in the offer, I read through all the requirements and dutifully completed all items for receipt of {$600.00} account opening bonus - opened both checking and savings accounts at the same time ( XX/XX/2020, approximately XXXX XXXX XXXX, funded savings account with {$15000.00} within 20 days of account opening and also established direct deposits to checking account totaling over {$500.00} per month. I even further enabled auto-sweep from checking to savings account. 

The {$300.00} bonus for the checking account is now long overdue. I have contacted Chase repeatedly via Secure Message in my account and also on the phone ( see below ) as requested in the latest secure message response I received earlier today. Their latest response was to my earlier message in the day following up on the lack of a response from their " Research Team '' that was promised within five business days ( and had passed that time frame ). Their response is there is no code on my account that would entitle me to the bonus and asked me what code I used when I opened the accounts. I indicated there was no code displayed to me at signup ( would have also printed that out ) and per the attachment, " Coupon code applied when you click " Open an account '' - which is what I did. It would appear that the coupon code that should have been applied by the Chase system was not. If so, that is a problem for Chase to resolve in their account opening promotion they pushed to me. 

The bonus for the Savings account of {$200.00} would be pending, but per above not coded to my account and similarly the additional {$100.00} for opening both accounts at the same time. 

In today 's call speaking with rep XXXX XXXX, he hung up on me prematurely at the point when I was requesting to speak with a supervisor and he advised 30 days for a call back. I indicated that was not appropriate and I wanted it recorded as a request for an urgent callback. At that point, he indicated it would be 15 days. I reiterated my position of the urgency of the callback, at which point he hung up on me. 

Note that none of the exclusions of the offer apply to me - I did not have existing Chase Checking or Savings accounts. 

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

Today XX/XX/20 I noticed that there are 25 inquiries on my credit report that were not made by me. The reason I noticed these inquiries is because I went to XXXX  to apply for the XXXX XXXX XXXX  and when they ran my credit, they told me I was not approved due to these inquiries lowering my overall credit score. I don't know who is responsible for making these inquiries but I did not allow anyone to do so using my personal information. I have already filed a police report and a complaint with the CFPB regarding this suspicious activity on my credit report.
Product: Credit reporting or other personal consumer reports

I have requested for my addresses and employment to be updated on my credit reports. This has not happened and is impacting me from getting a home loan
Product: Credit card

On XX/XX/2016 I went into Chase located at XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX, to make a credit card payment. I originally gave the teller {$800.00} cash along w/my credit card and ID. Then I changed my mind and told the teller just to pay {$700.00}. So the teller filled out the payment slip originally w/ {$800.00} then changed it to {$700.00}, had me initial where the changes were made then sign the slip. She gave me a receipt and my {$100.00} back. On XX/XX/XXXX I realized there had to be something wrong w/my account as I always pay my bill and rarely leave a balance. So after several hrs of trying to figure out where the error was I realized that the {$700.00} payment was never posted to my account. I called card services and they credited my account, opened a case and told me to fax over the receipt that was given to me. On XX/XX/XXXX, I went into Chase and faxed a copy of the receipt. I saw the credit as soon as I logged onto my account on XX/XX/XXXX. But then on XX/XX/XXXX or XX/XX/XXXX I saw my account very high again so I looked online and could n't find why until I scrolled all the way down to XX/XX/XXXX transactions their I saw that the {$700.00} credit was taken away. I called Chase and was told I was sent a letter in reference to the credit ( I have not received it at all ). They were not helpful at all they told me to go to the branch and discuss it w/the manager. So I went into branch and spoke to XXXX XXXX who told me she was aware of my situation and that she did n't understand what went wrong. But I left the bank w/her telling me she will get back to me as I told her I was going to go to the XXXX XXXX police dept. to file a report. I did just that the report # is XXXX, I was told that a detective will get in contact w/me and I 'm still waiting. I 'm a single XXXX mom and {$700.00} is n't something I can afford to repay again. Therefore I was advised to contact CFPB and I 'm praying that this matter can be rectified as soon as possible as I do n't need this on my credit report. I will also be contacting the Office of the Comptroller of the Currency ( OCC ) along w/Legal Services ( CFPB ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been neglecting my requests for the removal of the fraudulent information on my file despite the multiple written appeals that I have been sending to them. The last letter I sent to Experian was XX/XX/2022, with complete attachments of my personal information to remove the account and information reporting on my file that is completely UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this account in my previous Complaints & I am including them again : XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft numerous loans and credit cards were taken out using my personal information without my knowledge. In 2023 I found that XXXXXXXX XXXX loan showing on my credit report, I immediately filed a report on identitytheft.gov. The account was removed from credit reporting agencies, recently I found that the account had been placed back on my credit report. I have contacted XXXX XXXX their collection company and the major credit reporting agencies without any response or resolution.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # 1 : XXXX XXXX I request that my name be updated to reflect the correct information. 



2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. 

XXXX. Wrong Date of Birth : My Date of Birth is : XX/XX/year> XXXX. Wrong Employers : My employers is XXXX XXXX XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Checking or savings account

I read in the paper that Wells Fargo owes most of their customers some money because of a banking problem. Not sure if I qualify but wanted to reach out to check. Thanks!
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX I cashed out {$500.00} and {$100.00} through cash app. I got the {$100.00} deposited on Tuesday morning but the {$500.00} is still missing and its now Wednesday morning. Ive tried contacting the cash app through email and both of their XXXX   accounts and Ive gotten no response.
Product: Vehicle loan or lease

My name is XXXX XXXX and I have an account with West Lake Financial. On XX/XX/, I made a payment of XXXX with my debit card ending in XXXX to Westlake Financial. Westlake financial is stating that on XX/XX/, the money was returned to my bank as a chargeback. I keep calling my bank and they keep saying the payment is successful to Westlake and Westlake is saying that my bank has the money back. Westlake was even included on a 3 way call to the bank where the bank told them the money was not charged back. 

All transactions receive a unique ID number. I keep asking Westlake to provide this number for the chargeback and they keep saying they dont have one. My car was illegally repossessed, and the bank insist that Westlake was successfully paid. 

Someone has this money ; I have never experienced this and from my research Westlake has multiple lawsuits for illegal repos. I am trying to work this out without going that route, but I am not having any luck.
Product: Debt collection

Debt collector repeatedly calling my phone about a XXXX XXXX XXXX account that i dispute with the credit bureaus that another debt collector put on my credit report. that was deleted from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out a validation letter via certified mailing to the 3 major credit companies ( Equifax XXXX XXXX XXXX XXXX ) to resolve the issue at hand, kindly asking them to remove and delete the accounts that are very much inaccurate.There are several closed accounts from dates unbeknownst to my knowledge being reported also these accounts are still reporting " active '' activity. Equifax and XXXX has yet to delete and remove these accounts. This is affecting me tremendously and hindering me from obtaining credit. If these alleged accounts are " closed '', " charged off '' why are they being reported and reported inaccurately and having active activity to this present day when its been closed since the year XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As reported by XXXX my Equifax score has decreased by 116 points because of the following change. A balance was decreased by {$110.00}. Based on Equifax data dated XX/XX/19 Credit changes : Current score XXXX - Score was XXXX up until XX/XX/19 XXXX points down. 

We found 1 change to your Equifax credit report. 
Balance Decrease XXXX  Balance Decreased by {$110.00} Didn't payoff or close the account, didn't miss a payment, no collections were added, I am not using anymore credit etc. 

I have filed a previous complaint of inaccurate reporting. I am hoping this is not retaliation from the powers that be. Even multiple hard inquiries won't decrease a score by XXXX points. What is going on? Please help.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I would like to know why I keep seeing inaccuracies on my Experian report in regards to XXXX  that were never filed. Please verify & check sources verified as these claims are inacuracies and need to be removed. 
Pursuant to USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681 b. 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC1681 4 XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( DISMISSED ) OPENED XXXX AMOUNT OWED : {$0.00} XXXX XXXX XXXX : XXXX ( DISMISSED ) OPENED XXXX AMOUNT OWED : {$0.00}
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Debt collection

Company claims i owe money for returning new phones within the allowed return time. I returned them the day after i received them and let the company know i was returning them. I was told there would not be any charges or fees for returning them within the proper return time. The limit was within 14 days. I was within that time because i returned them the next day. I talked to a number of people and told me everything was ok. Later i get a bill for XXXX. I would definitely pay it but i feel the company is not holding up to their return policy. I am very disappointed with them.
Product: Checking or savings account

Chime closed my account with my pay check in it direct deposited an wont let me access it they said it is closed down an I will not get my money or ever get a account again
Product: Mortgage

I requested that my PMI be removed from my mortgage company ; PennyMac on XXXX XXXX after I had reach my required 20 % of the original loan. I was told that I needed to either get an appraisal or a BPO. My house was brand new when I purchased it in XXXX XXXX, XXXX, so I figured that a BPO would be the way to go since it was cheaper. I never heard back from the mortgage company so I preceded to call numerous times ; XXXX, XXXX, XXXX. I was told that my appraisal by the BPO was {$220000.00} by XXXX person which is above the selling price and then told again by another individual that it was {$190000.00}. The selling price was {$220000.00} and I put {$38000.00} down making the remaining balance {$180000.00} at closing. I have paid my mortgage on time and above the payment amount each month. I even had to call a couple times when I first started receiving my payment bill because it would come late and I was told that I have a grace period of 15 days, which I am aware of but I like to pay my bills before the actual due date. I was also told that a copy of the BPO was sent out on XXXX/XXXX/XXXX which I never received and I told them that, and they said that they would send it out again. I have n't seen the copy as I today. I requested the BPO to be disputed because their is no way my house has depreciated {$27000.00}, It 's a new house and the market is better now than when I bought the house! My current balance of the loan is {$170000.00}. The last time I called was in XXXX XXXX, XXXX and the individual told me that my house thru XXXX is {$230000.00} and that she was going to talk to her supervisor and get back to me. I still have n't heard anything. I received the BPO fee on my mortgage statement this month and I refuse to pay it until I get a copy of it. I would like restitution since I first requested that the BPO was originally asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report has and address on my report -- -- -- I never lived there -- -want it removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX NEVER LIVED AT THIS ADDRESS ON MY CREDIT REPORT WANT IT REMOVED