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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a 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 Any other adverse item 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: Bank account or service

This company is not allowing me to dispute the matter which caused me to be on XXXX. I did not open this account with Chase
Product: Credit reporting or other personal consumer reports

Experian has now allowed XXXX XXXX to ILLEGALLY change the charge-off date on this fraudulent account to XX/XX/year>. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as it constitutes illegal re-aging of debt. 

Re-aging a charge-off to make a debt appear newer than it actually is extends its reporting period beyond the legal XXXX limit. This fraudulent update has caused additional harm to my credit, and Experian has failed to take corrective action. 

quifax is reporting an auto loan from XXXX XXXX that I have never opened. I have never done business with this company, nor have I ever made any payments to them. Despite disputing this account multiple times, XXXX continues to " verify '' it without providing any supporting documentation to prove its legitimacy. 

XXXX Violated My Rights Under the FCRA : Failure to Provide Method of Verification ( MOV ) : I recently spoke to an XXXX representative and requested the method of verification ( MOV ) used to confirm this fraudulent account. 
The agent refused to provide this information, which violates FCRA 611 ( a ) ( 7 ), as I have a legal right to this documentation. 
Failure to Conduct a Proper Investigation : Experian continues to report this fraudulent account despite never providing proof that I authorized it. 
I have requested documentation multiple times, including a signed contract or account statements, and Experian has failed to provide any evidence. 
Harming My Credit with False Payment History : Experian is manipulating the payment history of this account, causing my credit score to drop.

This is inaccurate and damaging, violating the FCRAs accuracy and fairness requirements under 1681i ( a ) ( 1 ) ( A ). 

This is also another Shameful Investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are few things going on with my credit .well known companies are damaging my credit one month to another month ,1 yr to another year.XXXX even forgive a mistake but not these XXXX XXXX companies ,1 late payment in last 8 years still reporting to credit bureu , lost house lost my cars after my husband sudden death threw me off with everything, after husband died had XXXX XXXX could not work, i had to raise XXXX children on my own, it was tough but i made it, things are much better financially but these companies continue to kill me and wont forgive me for late payments, they took my house for XXXX dollar debt left to pay off mortgage XXXX XXXX XXXXXXXX sold my house for late payment, did not regard my 20 yrs of payment i made XXXX dollar down payment we made to buy house,XXXX dollar house they sold for XXXX debt late payments and turned out sold for XXXX XXXX dollar, investor who baught my house selling for XXXX dollar, XXXX XXXX XXXX contnue to report late payment on my XXXX cont to do negative reporting XXXX wont forgive me either, honda finance took both vehicle we had my husband made XXXX dollar down payments to buy those cars.he also traded my XXXX at that time but for late payments they took away my car sold it after we made three years of payments.recovered their money got their vehicle but put XXXX dollar for me to pay them. 
i am a biggest looser in this life lost everything except hope.with hope only i want to stand again and start life, but these XXXX XXXX companies wont let me do any thing i am tired of sending them letter to explain why payments were late? asking for forgivness but they are deaf they dont care i wish if i would have died too along with my husband becouse these companies are killing me any ways, i cant buy house i cant buy any vehicle.i am exhousted fighting with them, please help me if u can or i will believe no one is out there to see my tears and hear my cry XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion I sent a letter to the furnisher disputing the account listed below. I have not heard back from them, but they have verified find the account as accurate. 

XXXX : Account number : XXXX, XXXX code is inconsistent between XXXX. Fix or remove the payment status dates. 

XXXX : Account number : XXXX, XXXX code XXXX inconsistent between XXXX. Fix or remove the payment status dates. 

XXXX XXXX : Account number : XXXX, XXXX code is inconsistent between XXXX. Fix or remove the payment status dates. 

Can they do this? Verify an account without providing me with proof that they are reporting 100 % accurate? I will be sending all letters to my attorney for review to see if anyone violated the law. Know your company verified the above account. Send me all of the information you used to verify the above account so my attorney can review it for any violations. 

Please send ASAP, as 15 days should be enough time. 

I and my attorney await your response. 

Cc : FTC, CFPB
Product: Money transfer, virtual currency, or money service

According to XXXXXXXX XXXX  rep, a report was sent to Zelle in XXXX requesting restriction removed which is linked to my number, XXXX XXXX XXXX. The request was denied. Previously, I used the number for Zelle under XXXX, which there was never any issue. A prior CFPB complaint was filed, Zelle claims the number is good to use, however, the error still persists, unable to use Zelle under my phone number.
Product: Checking or savings account

I am writing to formally complain about the handling of a fraudulent transaction claim by Wells Fargo. Despite following the proper procedures, my claim was denied under circumstances that I believe to be unjust and inadequate. 
On XX/XX/year> I discovered that my Wells Fargo debit card had been lost. Shortly afterward, fraudulent transactions amounting to {$6200.00} were made using my card. I promptly reported the loss and the unauthorized transactions to Wells Fargo. 

Wells Fargo denied my claim, citing that my PIN was used for these transactions and therefore, they concluded that I must have authorized them. However, I firmly state that I did not make these transactions, nor did I authorize anyone else to use my card.

I escalated my concerns to the executive team at Wells Fargo. They informed me that filing a police report was not necessary. Despite this, my claim was still rejected, leaving me with a significant financial loss and a deep sense of injustice. 

I believe Wells Fargo has failed to properly investigate this matter and protect my consumer rights. I request the Consumer Financial Protection Bureau to review my case and provide the necessary assistance to resolve this matter. 

Thank you for your attention to this important issue. I look forward to your prompt response.
Product: Credit card

To induce providing my physical address, AMEX suspended my unsecured credit card account to " comply with new government guidelines ''. AMEX promised on taped calls that my physical address would go nowhere, and my mailing address would not change. 

After an Order of Protection on my ex-husband, and a career reducing hacker crime on financial systems - not publishing my physical location for database auto-replication is basic self-protection. 

XXXX USPS forwarding protection breaches required multiple moves, as my physical address would " magically '' get updated across multiple non-USPS databases. I was thankful to find my rights to not register my physical address with the USPS. 

Now, 1 week after yielding my physical address to AMEX, I 'm getting snail mail from the XXXX XXXX XXXX ( to whom I 've never given my physical address ), and XXXX XXXX XXXX XXXX ads with invalid callback phone numbers for someone who has never lived at my address ( probably by a cyber-criminal working to undercut me with identity theft ). 

I appreciate AMEX will say that AMEX " had to have it, because the government made them '' - and that I can not really prove they were the source of the breached data. XXXX and XXXX XXXX XXXX will say my address was certainly obtained through some legal means from some 3rd Party they can not find/reveal. But, I am recording my concern with the CFPB to understand the tightly-wound ( and hopefully unintentioned ) results of empowering credit card companies to do things like suspend credit access to force location information into government financial programs via data-sharing. 

No one is going to be left to protect others digitally, if it is made so easy to allow hackers and other self-interested commercial parties to harm us and others in accountability verification roles.
Product: Consumer Loan

Well they charged me a significant amount of interest on the car loan and resulted to me filing Bankruptcy which now they will not release the vehicle and continue to hold it even thought their contempt under the bankruptcy law.
Product: Checking or savings account

Citi Bank ran a promotion that if I deposited {$15000.00} in a savings account for 60 days and opened a checking account I would receive a {$400.00} bonus. It has been over 90 days and I have not received the bonus. I have attempted to contact Citi Bank and have waited in hold for over 2 hours. Ive read that many others have had this issue. 

The accounts were opened in the beginning of XXXX. {$15000.00} was transferred into the account on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hello CFPB, I am writing a complaint against Experian, XXXX XXXX and XXXX. I've sent them multiple complaints stating they are reporting inaccurate information across all XXXX credit bureaus. They keep sending me stall letters stating that someone else is sending my disputes or they send me Verified letters. I have proof that they are not doing their due diligence to correct or remove items on my report. They are still violating the FCRA laws. I have letters from them stating they Verified the accounts but I still see inaccurate dates, balance and status on my reports. Please investigate this for me thank you
Product: Mortgage

The mortgage company did not pay the school tax bill. The first deadline was XX/XX/2020 and the amount due was {$2800.00}. I contacted them in XXXX to inquire about the payment and was told that it would be paid on time. I submitted a copy of the bill to them, even though their website said that this was not necessary to do. It wasn't paid and the amount increased to {$2900.00} on XX/XX/2020, due to it not being paid on time. I contacted them several times in XXXX to inquire about when it would be paid. They sent a letter dated XX/XX/2020 which stated that they paid it and {$2800.00} was deducted from my escrow account and the late penalty was covered by them. I contacted the tax office several times and was consistently told that it was not paid. As of XX/XX/2020, the tax collector stated in an email that it has not been paid. Multiple calls to the mortgage company have not fixed this. They encouraged me to file a complaint, on their website, which I did. Several times I was told that it would be fixed and they would call me back to confirm, and they never call back. They stated that all they would do is provide me with a letter stating that they sent the check, however that does not satisfy the bill that the tax collector has not received. On XX/XX/2020, the amount owed will increase to {$3200.00}, due to another penalty for it being late.
Product: Credit reporting or other personal consumer reports

i want all my everything removed from my credit report because i didnt authorize anything my data was leaked due to data breach
Product: Debt collection

I had a motorcycle accident in XXXX and was treated in a hospital that was within my insurer 's network, but the ER doctor was not. Six months later, I received a bill for approximately {$9000.00}. I worked with the company ( XXXX XXXX ) to resolve the bill in late XXXX. In XXXX of XXXX, I was contacted by a collections agency ( XXXX XXXX XXXX ) claiming that the bill was in collections. This was posted to my credit report at the time, preventing me from engaging in my plan of buying a house. I worked with XXXX XXXX again to obtain proof that the debt was resolved. The collections agency was pleased with this proof and broke off contact. In XX/XX/XXXX, I was again contacted by another collections agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) attempting to collect the debt. I again provided them proof of the debt having been resolved and they disengaged. Earlier this week, I was once again contacted by a collections agency ( Cascade Receivables ) seeking to collect on this debt. It appears that, whenever I prove that I resolved my debt, the collections agency sells the debt to someone else. I feel that they are just continuing to pursue this until I give up and pay to get them off my back. 

Current case with Cascade Receivables has Reference # XXXX and Reference # XXXX.
Product: Mortgage

We tried to refinance our home and also tried to get a HELOC and were denied.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX Account XXXX : XXXX
Product: Debt collection

I need the help of the Consumer Financial Protection Bureau, as XXXX XXXX, XXXX still has my personal information, trying to collect a debt that can no longer be enforced or for that matter reported on credit. This abusive collection letter states that by the standard established through the Office of Attorney General in the Commonwealth of Massachusetts, mandates that the collection can no longer be enforced. I request that the Federal Trade Commission step up and sanction this collection agency, that is trying to collect on a debt supposedly taken over by a debt buyer known as CACH LLC. Both of these companies are owned by the same holding company, and thus both companies are committing abusive collection practices. I demand the purge of all of my personal information with XXXX XXXX, XXXX and CACH LLC permanently. 

CEASE AND DESIST AND PURGE FILE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was requested by Equifax to fax over my Verification information to Equifax which was my Social Security number and ID. I requested a copy of my Equifax Credit Report which I still have not received a copy of. I have also tried several times with annual credit score to obtain my Equifax credit score and have been unsuccessful in obtaining my credit report. Because the Security questions to obtain my Equifax Credit report on annual credit score contains security questions that are not questions related to me regarding me or my credit report. On XX/XX/XXXX I called Equifax again to gain access to my Equifax online credit report and credit score. I did a Verification with the agent where I had to take a photo of my ID front and back then take a selfie of myself to verify my identity. After being on the phone for over an hour to get help to gain access to my Equifax Credit report and credit score online. After alleged trouble shooting the agent was unable to help me with access to my Equifax Credit report and credit score. On XX/XX/XXXX I called again requesting help with my Equifax online credit report and score. Once again, the agent was unsuccessful with helping me gain access to my Equifax online credit report and score. 

On XX/XX/XXXX I called Equifax to gain access to my Online account and the Supervisor XXXX was unable to help me get access to my credit report and score. XXXX sent me a recent password link and I was still unable to gain access to my online account. I have resent my online password over 50 times in 6 months and still have been unsuccessful in obtaining access to my online Equifax account. I was just given a ticket number for the 6th time. The number is XXXX. Then I was given another number XXXX. I then asked supervisor XXXX do I have a credit score and he stated no, I have not had an Equifax credit score since XXXX. I have revolving accounts with XXXX XXXX credit card and XXXX XXXX XXXX is a paid off loan that is still not in my Equifax credit report over a year ago. My address is incorrect which is XXXX XXXX XXXX. However Equifax has XXXX XXXX XXXX XXXX which is incorrect. I feel there is some deception going on with my credit report with Equifax as I have already been a victim of identity theft due to the data breach. 

I can obtain my Credit report on annual credit score credit report from XXXX and XXXX with no problem. However, I can not access my credit report from Equifax which has been problematic for me to obtain my credit report since XXXX. These issues continue to keep happening over, and over again. I'm requesting to have my Equifax credit report and score as this has caused me irreparable harm. I feel that something is wrong with my Equifax credit report that is being covered up. I'm also demanding to get access to my online Equifax credit report to monitor my own credit report instead of having it mailed to me.
Product: Debt collection

XXXX XXXX XXXX has been harassing me about payment for an account I have never missed a payment on. They are handling a account from XXXX that was the result of partial fraud. They were informed of this when taking on the account. XXXX covered the full amount of fraud on the debit card I had with them and my banking account that was associated with it. I in turn agreed to make payment on the XXXX Credit Card. The company agreed to a payment of an amount each month. I have made these payments without issue every single month. And yet I get continously called by them and I only get calls at XXXX or later although I have informed them I do not want to receive calls after XXXX. When I inform them of this they say " if you do n't want calls then find a way to get the amount paid '' I tell them that I do n't understand why I receive calls monthly when I have NEVER missed a monthly payment nor is there a due date set for each month and they state they will just continue to call. The company ultimately has no reason to call or to call later than I have requested and yet they continue to and ignore my request for earlier calls. I can send XXXX XXXX XXXX the statements from XXXX. I should n't be threatened with continuous phone calls for an account I ca n't even make statements without the representative yelling at me.