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

I was looking to purchase a home and noticed multiple inaccuracies on my credit report, including fraudulent inquiries, accounts and addresses. I contacted Transunion, XXXX and XXXX but they did not respond, nor correct all inaccurate information. I have called them and sent them dispute letters over a month ago. In pursuant to 15 U.S. Code 1681 they are defaming my character and now willfully continuing to report false information. 

The following addresses are inaccurate- XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX XXXX  XXXX XXXX MI XXXX The following accounts are fraudulent- XXXX XXXX Acct # XXXX Date Opened - XX/XX/XXXX Balance - {$2700.00} XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX Account # XXXX Date Opened - XX/XX/XXXX Balance - {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Account # XXXX Date Opened- XX/XX/XXXX Balance - {$930.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX The following inquires were not authorized- -An inquiry from XXXX on XX/XX/XXXX -An inquiry from AL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX XXXX XX/XX/XXXX -An inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX -An inquiry from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/XXXX -An inquiry from XXXX XXXX on XX/XX/XXXX, mailing address, XXXX XXXX XXXX XXXX, XXXX XXXX ND XXXX. 
-An inquiry from XXXX XXXXXXXXXXXX XXXX dated XX/XX/XXXX XXXX mailing address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX
Product: Debt collection

Good Afternoon, I am going to continue to submit this complaint until you open up an investigation and block XXXX XXXX XXXX from my report. I have sent notification via mail and I have submitted a complaint via corporate as well. My next step is to submit a complaint through the XXXX, which I think that I already have. 

This is not a game. You are just wasting time. You have approximately 2 weeks before my attorney files suit on my behalf because you refuse to investigate and block this account from my report. 

I AM A VICTIM OF IDENTITY THEFT CAUSED BY EXPERIAN AND XXXX. Stop playing around with my lively hood and block this account asap. 

Please see the below email that I have sent to corporate : Good Morning, I hope that everyone is doing well and staying safe right now. My name is XXXX XXXX XXXX. I submitted a complaint to the CFPB this past Sunday. The response that I received was that we dont think that it is you so we are declining to dispute this information. Not only have I resubmitted that complaint to the CFPB stating that it is me, I have submitted it to the XXXX, and now to you. I am not pleased. I am not using a company to dispute fraudulent activity on my credit report. I dont trust humans like that. I have fraud alerts all over my credit reports. That defeats the purpose. Nonetheless an account is showing up on my credit report named XXXX XXXX XXXX. That is a fraudulent account. That account was blocked under the name XXXX XXXX XXXX earlier this year. Now they are reporting under a different name. That account is fraudulent and I have been a victim of identity theft. I am sure that it was due to Experian and XXXX breach that allowed the world to have access to my personal information. I have been battling this for years, but I work hard to maintain my credit. I need this information blocked asap please. I am not pleased with the lack of action so far. Not only that, but I have sent a certified letter. I also have retained an attorney that will take action if it isnt removed within the next 30 days. I look forward to this being taken care of in my favor within the next 30 days or before. 

I can be reached at XXXX if anyone has any questions. 

Thank You, XXXX XXXX Now, for the last and final time, this is not a joke and this is, XXXX XXXX XXXX submitting this complaint. I will sue. Again, this is not a joke. I will sue for what the law allows. 

Also, see tracking number XXXX that was delivered on XX/XX/2020 at XXXX XXXX. You have 30 days from that date to remove that item off of my credit report. This isn't a joke. I will call the CFPB myself and complain after the holidays to make sure that this complaint is taken seriously. 

Everytime that you send this response, I am printing it out and sending it to my attorney, with the date and time stamp.
Product: Checking or savings account

I have two checking accounts with Wells Fargo which I only use on rare occasion. I received a notice in the WF mobile app that the accounts were " dormant '' and that I should call to reactivate. Since I had no need to reactivate them, I let them both sit for about two years. Come to find out, I've been charged $ XXXX on both accounts for those two years ( in one account, 26 months, the other 24 months ), resulting in {$460.00} in fees because the balance in both accounts was below {$1000.00}. While I understand the fee was in place if the balance was below {$1000.00}, since the account was dormant, I assumed that everything would have been " frozen ''. If I can't use the account, why would WF use the account and apply all the same fee criteria? I find this deceptive. After complaining to the bank, they refunded me {$20.00}.
Product: Credit reporting or other personal consumer reports

After recent review of my Credit Report, I found an loan account reported in my name for {$5200.00} by the XXXX XXXX XXXX 
I called XXXX XXXX and asked them about this account. They informed me that I was indeed a borrower on this account, along with a relative. I immediately contacted this relative and asked them about this account. They told me that when they got this loan, my information was given to the company as a " Reference Only ''. They were never told that I was co-signing or a borrower for his loan. 
I called XXXX XXXX back and informed them that I had no knowledge of this loan prior to it being taken out, I had a long conversation with XXXX of their Reps, and it was really understood that I knew nothing about nor did I ever give anyone permission to use my personal information to acquire a loan from this company.
Product: Mortgage

Selene Finance says I missed XXXX, XXXX, and XXXX 's payments which I made. I have proof that they deducted the payments from the account. They started an XXXX XXXX notice against me immediately afterwards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a restaurant ( an LLC  ) in XXXX of XXXX. We closed in XXXX of XXXX. I asked XXXX XXXX to close my account. 2 Months later I got an alert from my credit monitoring service that said XXXX XXXX had reported that I owe {$1400.00}. I immediately called them and they said I owed {$360.00} in early termination fees and I didn't return my equipment so they charged me another XXXX. The sent me no communication prior to this about this account. I immediately over the phone paid the {$360.00} and sent the requested equipment back. a month later it was still on my report. I called XXXX XXXX and they assured me they would take care of it, if I removed the negative information on XXXX XXXX. I removed my negative information and they corrected the account to say paid in full. A week later they reported it as not paid again. This company is sketchy, never missed a payment when I was in business and no positive information was reported -- account wasn't even listed on my personal credit report, I feel they are using the credit bureau to get more money out of me. Long story short, this account was not a charge off as stated on my credit report, amount was paid in full - my credit report still says I owe {$1400.00}. This is adversely affecting my credit report and needs taken care of immediately. I have disputed this with Transunion twice and they verified with XXXX XXXX that the information is correct when its not. 


XXXX  XXXX Account # XXXX Phone ; XXXX
Product: Credit card or prepaid card

Best Buy/Citi Visa and their criminal partner " The Retail Equation '' [ edit ] Best Buy and a third party : " The Retail Equation '' have figured out a way ( all be it, only for the time being ) to stop hemorrhaging money by declining your return, thus stealing your money. Buyer beware! If you try out product and make too many returns, they will decline your return and ban you from returning any product for the period of 1 year. REGARDLESS if you have a receipt and are in the 15 day return window. Most people do not know this is happening until it 's too late and you are stuck with the product. Best Buy does not notify consumers of this fraudulent practice. It 's theft from consumers. Best Buy executives ( XXXX XXXX ) will tell you there 's nothing they can/will do. ( they CAN lift the ban ). Calling The Retail Equation will get you no further. You 'll get some, barely able to speak English, representative who simply regurgitates the same sentence. " There 's nothing we, our anyone higher than me can do '' Best Buy and their criminal partners are suffering great financial losses and will be out of business shortly. Next stop for them? Prison!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous requests, made numerous phone calls, and submitted documents to XXXX XXXX XXXX XXXX ( XXXX ) to correct the late credit reporting status on my Credit files. I have also disputed the incorrect reporting with each Credit Bureau and as of today, still not corrected. This has been ongoing since XXXX of this year. 

XXXX had added a XXXX XXXX XXXX ( XXXX  ) to my current XXXX XXXX. Which also took me making numerous of complaints, calls and document submissions to have it removed. The XXXX  is XXXX  excuse for reporting my loan 30 days late. The XXXX has since been refunded and the actual refund date was the same as the start date of the XXXX. I am submitting a screenshot which shows the dates were the same. However, I noticed today the dates have been changed. Why manipulate dates, amounts, etc. if you are correct in your records. I was told by an associate at XXXX ( XXXX XX/XX/XXXX ) that all which occurred during the time of the incorrect XXXX  would eventually reflect accurately as before the XXXX was added, as if it was never added. This has not happened. Again, XXXX was refunded but my account is still reporting 30 days late for XXXX, XXXX, and XXXX of XXXX with the Credit Bureaus. 

Only recently had my account been late due to unforeseen Family circumstances, but it has never been 30 DAYS LATE. As I stated, only recently late and I have had this loan since XXXX of XXXX with NO previous issues. This mishap with XXXX  is affecting my livelihood and career. As, I am XXXX and are due for my XXXX XXXX and this late reporting which is in error will affect my potential Clearance level and other potential credit offers. The stress and fear of my Clearance are things NO Lender should be permitted to put their Consumers through. This part of this ordeal is totally unforgiving and unrepairable. This Lender/Borrower relationship is beyond over and I will share the entire negative experience with my Military Community, Family and Friends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection on my Experian on XXXX. The debt collector sent a letter with private medical information, no written consent for them to have this, so they violated HIPAA. I dont feel it was investigated, as I also included proof that the was in 2016 and its being reported as a new debt. I didnt know of this debt because I was covered by XXXX, but found out they had my information incorrect, so it didnt cover this debt. I cant contact the original debtor because they no longer exist.
Product: Credit card or prepaid card

The credit card company denied my application upon my response to its promotional offer and repeated its denial twice afterwards upon my applying for reconsideration. 

The credit card company sent me a letter ( photo copy attached ) listing the reason for my having been denied the credit card I applied for. 

I object to the reason in the letter attached as follows : I am only utilizing only eight percent of my available revolving credit that has been extended to me by credit cards companies including this credit card company which I pay off completely every month and maintain a XXXX balance presently with this credit card company on two of its credit cards.
Product: Credit card or prepaid card

I opened a card in XXXX of XXXX with wellsfargo. On my first statement is a balance transfer of {$2300.00} to the card that I never made. Ive spent over a month now and had to reopen the claim multiple times because they keep ignoring the obvious. I have proof I didnt make it too. I have scanned mail of the card delivering XX/XX/15 to my address so how on EARTH did a balance transfer occur on the card before I had physical possession of my card information? That is impossible. Oh also they will call you to reach out and when you answer they hang up instantly and then will turn around and pretend we couldnt reach you just to keep denying claims easier. This is absolutely the most backwards shady bank I have ever worked with.
Product: Credit card or prepaid card

I was charged for a new debit card after loosing mine and that card never came so I ordered a new debit card for express delivery and was told I wouldn't be charged for it but direct express charged me for 2 Debit cards when they told me they wouldn't charge so I've called direct express 5x to resolve this but they aren't being honest please respond
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible
Product: Student loan

My daughter ( deceased as of XXXX XXXX, XXXX ) and I ( co-borrower ) initiated a government student loan ( what I thought was a government student loan and according to XXXX XXXX XXXX, Federal student loan ) XXXX XXXX. Payments did not begin until she graduated from XXXX XXXX XXXX XXXX in XXXX ( so I assume the protocol of student loan was being followed ). She was making payments and was current as of XXXX XXXX. Her unexpected death has left me as guarantor of the loan which I thought could be forgiven based on " student loan '' protocol. I have been " slapped '' with a civil judgement at this point in time which a first payment is expected XXXX XXXX, XXXX. I no longer have the income to support payments of this debt ( retired/pension ). I am seeking forgiveness or cancellation of the debt ( XXXX ). The initial school was XXXX XXXX XXXX XXXX. The promissory note and death certificate are available upon request.
Product: Student loan

This is a XXXX XXXX XXXX. When my son first graduated we tried to lower the payments from the {$700.00} and they said sorry there is nothing they could do. We borrowed XXXX - paid back {$42000.00} since 2011. Now that it is default they want {$85000.00}. Paid in Full - charging {$14000.00} in Collection costs. I would never recommend borrowing from XXXX XXXX. I would like to know if there is anything that can be done about this outrages interest and penalties.
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 right 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 XXXXXXXX All of this information enter above have violated my rights 15 U.S.C 1681 Section 602 A. States I have a 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 15 U.S.C 1681c ( a ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records 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: Debt collection

Received a letter that they were servicing my account, listing monthly payment and first payment due date of XX/XX/2020. I do not have any outstanding loans. They referenced a vehicle that I have never owned. Their representative suggested I go to " the dealer '' to have this corrected. There is no " the dealer '' as I did not make a purchase, sign a contract or take out a loan.
Product: Bank account or service

Bank of America has taken advantage and manipulated my disable husband who has been unemployed since XXXX. Bank of America signed him up to a bogus insurance company call XXXX where you can only collect if you die in an accident. My husband has been under my insurance for the past 18 years. Bank of America has manipulated my XXXX husband and took advantage of a longstanding customer. We have been banking at Bank of America since XXXX, and to show how they appreciate our loyalty in XXXX they notice not much activity going on and began depleting our live saving. I am completely disgusted that they will take advantage of loyal customer. I am expecting this matter to rectify and all funds to be returned in full immediately. if not i will persued with my lawyer and expose Bank of America. I thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened up a fraudulent Discover credit card in my name on XX/XX/17 the balance of the card is XXXX. I have called Discover sent them a copy of the police report along with a copy of my FTC report saying that it was a fraudulent account. They keep stating that they have information that matches my information of course they would have the information because someone stole my whole identity. Please help me resolve this problem. Thank You
Product: Mortgage

After I was laid off for 2 1/2 years in XXXX, after my husband had emergency XXXX XXXX XXXX  XXXX, which he is XXXX now, and has had 3 XXXX  XXXX  and 1 XXXX  XXXX  since then. My XXXXrd Loan Modification was approved in XXXX by Seterus. There was a balance of {$32000.00}, when I was laid off, but they approved my Loan Modification. Then Seterus filed bankrupt, and sold my mortgage to Mr. Cooper Mortgage Company. Mr. Cooper Mortgage Company claim that because I have had 3 Loan Modifications in my life-time, due to loss of job beyond my control, they can not approve my loan, so instead of them continuing or carrying over my Loan Modification or approve, they however, carried over the balance from Seterus. Mr. Cooper sent me an email that I could apply for the forebearance in XX/XX/XXXX, when Mr. Cooper took over my account, along with 300,000 other homeowners. Now, I'm facing foreclosure in XX/XX/XXXX, when the forebearance ends, if I don't pay that {$32000.00}, but I have already paid them {$10000.00}, since XX/XX/XXXX to present. I'm trying to make a month 's payment now, but is unable to click on the payment button, for it to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy and was awarded a discharge in XX/XX/2016 and it says discharge was XX/XX/XXXX. I called the office and says they dont speak to consumer companies so how did they verify wrong information. I ask to have the contact person information and never got answer just court general phone number
Product: Money transfer, virtual currency, or money service

I was sent a {$100.00} payment through cash app. After accepting the payment the app tells me I have a negative balance off XXXX. They claimed my account went XXXX in the negative on XX/XX/year>. But if I look at transactions there is nothing for that date. In fact there were no transactions between XXXX. When I asked multiple time for them to show me the transactions to prove this negative balance they just tell me they are working on it. I cant get a response.
Product: Money transfer, virtual currency, or money service

Can you write this out for me? I am filling a complaint out against Cash App, parentheses, Block , Inc., parentheses, due to inadequate customer service and unfair practices which violate the Customer Financial Protection Act, ( CFPA ). Specifically, Cash App failed to take timely, effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act, ( EFTA ), and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate Settlements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2021, the XXXX XXXX company reported my account 30 days late. I made a payment on their electronic phone line on or about XXXX XXXX. A few days later I realized that my payment had not been drafted from my account and I called them. I was informed that there was a payment that had been rejected. I contacted my bank to verify this information and they told me that no payment had been attempted from the mortgage company. At that point it was after my 15 day grace period so I was worried about late fees. I called the Morgage company to make a payment and tell them about what was going on in an attempt to get the fees waived. After all, we are in a pandemic and every penny mattered. They told me no they would not waive the fee and that I needed to make the payment right away. I made the full payment right there over the phone with the rep. I woke up a few days later with a late payment notification from XXXX XXXX I was very upset because I had been in contact with them about the issue. At that point, I called them multiple times only to hear that it was nothing they could do. I spoke to multiple managers about what happened and I was told to file a dispute with the credit bureaus. I asked the company for a letter from stating that my account was current and that it was in good standing and was never late. I added this letter to my dispute. The disbute came back verified, nothing was changed on my credit report and I dont understand how. Since my disbute I have called them once a month and I still havent received any positive solution. I dont know why they are unwilling to work with me on a system error. I have never had this issue of being late on a Morgage before. I am filing this complaint because I have tried to contact this company multiple times to rectify this issue and they have basically laughed in my face and told me to handle it with my credit report. This late payment has dramatically affected me and their reporting was not fair or accurate. Since then, they have transferred my Morgage to another lender.