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

Well there are closed paid accounts that should not be still on my credit report at all some keep re appearing and wont go away I dont owe on them so they should have be Removed off my credit.
Product: Checking or savings account

Before trying to open a business account, I went into a Wells Fargo bank to inquire about what was needed. I was told that all I needed was my LLC certificate and/or taxes filed. I bank with Wells Fargo and made an appointment online to open a business account. The first appointment I made ( XX/XX/24 ) I was contacted the next day to inform me that no one had the expertise at that location to assist me with opening a business account. So I made another appointment the same day for XXXX XXXX XXXX XXXX. I was contacted by phone by the Personal Banker, XXXX XXXX XXXX, who immediate told me that if I didnt have an EIN number that I could not open a business account. She kept insisting that I email her what I had so she could verify if I could open an account. I explained to her that I was at work and I needed to come into the bank so that I could fully understand because I was new at starting a business. I went online the same day and got an EIN number for my LLC. When I arrive for my appointment, XXXX XXXX XXXX stated that I was unable to open a business account due to my address. She sat for over 30 minutes doing and saying nothing to assist me. I stated that she just spoke to me and said all I needed was an EIN number. She told me that she didnt tell me that. I requested the EIN number just minutes after getting off the phone with her. It was clear that she did not want to help me and XXXX XXXX XXXX filed a complaint, without asking me, about me being misinformed on opening a business account. I told her that I felt unwelcome at my own bank and that I was filing a complaint because I have no trust in someone that lack professionalism and treats me with the lack of respect of my time, with my account and money in bank. I scheduled another appointment on XXXX XXXX XXXX
Product: Debt collection

Innovative Recovery Inc keeps trying to collect {$1800.00} on debt that doesnt belong to me. Ive disputed this information a few times a fraud and they wont remove it from my report.
Product: Credit reporting or other personal consumer reports

XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/year> Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT See Attached Attachments scanSSN & DL
Real ID.pdf ( 289.8 KB ) TU EX EQ 2ND DISPUTE INCLD ATTACHMENTS.pdf ( 488 KB ) CFPB COMPLAINT FTC.pdf ( 581.9 KB ) Birth Certificate FTC Complaint.pdf ( 1.6 MB ) ID THEFT CTFB.pdf ( 682.8 KB ) Breach Dark Web All Buareaus.pdf ( 1.6 MB ) View full complaint Sent to company Status Sent to company on XX/XX/year> We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.

Company still working Status Company response is in progress as of XX/XX/year> The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/year>, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. At your request to begin a reinvestigation, we are in the process of contacting the data furnisher ( XXXX ) or public record vendor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. I informed them that the charge offs including all aka 's alleged alias are not mine old addresses and places like compton hercules etc I have never lived nor resided. I have been enduring over XXXX plus years of All XXXX Bureau 's XXXX XXXX and Equifax of illegally reporting and posting inaccurate personal information. They have a right to the debt not to my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report there's an account listed as " XXXX XXXX '' that is PAID and needs to be removed from my account immediately
Product: Credit reporting, credit repair services, 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 : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX  XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX 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 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: Debt collection

A Court documents Docket # XXXX XXXX  Civil Action Summons was delivered at our home from the Debt Collector name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Ph XXXX.  

Documents is about the debt against property XXXX XXXX XXXX XXXX  NJ XXXX  for which I have no knowledge and never purchased or signed any documents. After the receipt of the letter I called the debt collector and explained that my name and address is picked without their proper verification. There are thousands of people with same name in USA. Official written letter was sent about this and requested to remove our name and address from this case. Court official was notified about that also.

Even after my phone request and written letter they have ignored the fact and replied me with another threatening letter signed by XXXX XXXX XXXX.
Product: Checking or savings account

Chime has been apparently having issues distributing direct deposit every pay cycle since the beginning of COVID four years ago. Deposits have either been delayed or flat out disappeared for no reason whatsoever during this timeframe despite on their website it says that all services are fully operational. Im really starting to suspect that they are actively and deliberately withholding customers money longer than they should be. Even after being fined by the CFPB this past XXXX. This problem needs to be addressed and fixed immediately once and for all! Im already late on paying my rent and on the verge of being thrown back out on the streets because of this!
Product: Mortgage

This is my third complaint against United Wholesale Mortgage. While problems with delays and communication were still existent, this complaint focuses on the underwriting process that used inaccurate data and calculations to issue my denial. This was my second application for a loan assumption. 

I applied for the second time in XXXX of XXXX. The denial was issued in XXXX of XXXX. I was initially told by XXXX XXXX that my debt to income ratio was too high. I calculated my debt to income ratio multiple times during this process, and in fact had paid off a substantial car loan to bring it down significantly, and it was well below their cutoff. There were two errors, of which I am aware, with their calculations. First, they only assigned {$4000.00} of monthly income to me. This did not correspond to the average of two tax years ( I am self-employed ) that the representative told me was used to calculate income, even after accounting for some income that was disqualified by them. Second, they used a student loan payment that was 10 times ( {$550.00} ) the legal amount to calculate a student loan that was in deferment. Initially, they told me they use 1 % to calculate it. I have a XXXX XXXX loan. They are legally required to use .5 %. They then told me they used .5 % ( {$58.00} ) but that I would still not qualify. 

After having discovered such grave errors in their calculations for debt and income, I asked them to show me all the numbers they had used to calculate my debt, and to explain how they had calculated my income as their provided number did not correspond to their purported formula. 

UWM has a legal obligation to approve loan assumptions that qualify. I have a XXXX XXXX XXXX XXXX and have a firm understanding of how their formulas and calculations work. Based on the information that has been provided to me up until this point, my analysis shows their calculations are incorrect, and that my application should have been approved. I would like them to fulfill their legal obligation to approved qualified applications such as mine.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX ss # XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX Account name XXXX XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/year> stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States XXXX XXXX indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION!

15 U.S. Code 1692g - Validation of debts Also company XXXX XXXX XXXX never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code
Product: Debt collection

I submitted a complaint against XXXX in XX/XX/2015 ( case : XXXX and XXXX ), which was resolved. Now I 've received another attempt to collect on a debt I know nothing about. I am going to send them a letter to dispute their claim and request validation of the debt they 're claiming I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I decided to get a copy of my free credit report and i went to the website referred to my by XXXX at www.equifax.com. I went to the website that i thought was secure and after i put in ALL my personal information such as address and social security number the website crashed numerous times. Then when i finally got back in it said my request could not be processed and that i need to call this number. XXXX XXXX XXXX. " We can't complete your request at this time. please call the customer care team. customer care is available between XXXX and XXXX  ET 7 days a week. 

so i called and i got the run around by the automated menu and the robot could not interpret anything i was saying or texting. for example it said please press 1 for yes and 2 for no and it didn't receive any of my digit responses. Finally, after about 10 minutes of total frustration i started pressing every button i possibly could and got some worker in XXXX who after about 13 seconds of me speaking, hung up on me and sent me to the 2 question survey which also could not detect my digit responses!! 

I feel completely violated and taken advantage of. I'm in limbo, still don't have a report and now these people have all this power to make or break mt credit rating and i'm supposed to feel secure that this company has the ability to destroy my credit at the drop of a hat. Who manages these companies and why are they allowed to have such terrible customer service? i'm not even sure i was speaking to the actual Equifax. How does a company with this power have a website that crashes and then sends you to never never land?? I emailed the company and got a autobot response telling me " the following link may address your concern..blah blah blah how-can-i-get-a-free-equifax-credit-report '' .. wow ya thing i didn't already try that?
Product: Credit card or prepaid card

I just recently noticed that this credit card is for a different XXXX XXXX. I do not have a middle initial of XXXX. I presumably took the credit card thinking that I had created this application but then I just realize that there is a XXXX  as a middle initial. I believe its somebody else open this credit card fraudulently and I begin using it on accident.
Product: Mortgage

I paid my home off on XXXX/XXXX/15 which is 8 months ago. I have sold my house and can not get a release of lien. I am supossed close on Monday XX/XX/XXXX. Can you help me?
Product: Mortgage

My name is XXXX XXXX. XX/XX/2021 Mortgage company is Amerihome Mortgage Company. Loan # XXXX On XX/XX/2021, Amerihome Mortgage automatically deducted a payment of {$2600.00} out of my XXXX XXXX  account without my permission or acknowledgement. I called them and they admitted their system had made an error and that it would be reversed. They said it would take 7-10 days to show up in my account. This also over drafted my bank account 4 times of {$36.00} each for {$140.00}. After waiting 10 days and it never showed up I called them over and over asking where my money was. They then told me that it was being reviewed by a committee. I called over 20 times to get the issue resolved. I also wrote letters to the department heads as well as the VP and the CEO. I have also asked for a supervisor 5 times and was promised one would call me back, no one ever called me back or wrote back. I called in and spoke with a supervisor on the last day of the month and she told me not to worry that it would be reversed and I would not have a 30 day late on my credit. Today I received a letter stating that my XXXX payment was now late and I am in danger of foreclosure, and they are reporting me 30 days late on my credit which is unforgivable! They have never returned the funds that they fraudulently took and now they do not show that they took it out. or that I made a payment. I can prove that they took the funds and I can also prove that they never returned them to me or XXXX XXXX. I have called them repeatedly to help me and no one will. I have asked 5 times to speak to a supervisor and not once has one called me back. They are now telling me that they issued a check on XX/XX/XXXX but I never received a check, they also show that the check was never cashed. They claim they can't help me because they are all working remotely and can not get anyone on the line to correct the situation. PLEASE HELP ME ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION & XXXX  has been reporting fraudulent accounts on my credit report Ive sent all 3 bureaus a demand and comply letter pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Now this federal law states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Ive attached a copy my drivers licenses My FTC report And a detailed letter stating those accounts are fraudulent and are not connected to me in no way shape or form and was not authorized by me. So as stated above XXXX  had 4 days to remove those items from my credit report. All 3 bureaus have received my letter through certified mail on XX/XX/2021 or before that date and these accounts are still showing up on my credit report. I want them removed immediately
Product: Debt collection

Jefferson Capital System.

Tried Disputing. 
{$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 I received a copy of my credit report and there were multiple errors on the report.
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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX 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: Debt collection

The name of the company is XXXX XXXX XXXX, and they bullied me basically into setting up payments for an old credit card debt that I had in the past. They threatened me by saying things like we will sue you, and they said someone would either come to my home or my job to serve me with papers if I didn't set up payments immediately. There phone number that was given to me is XXXX, and the fax number is XXXX. They have literally gotten close to 5 {$500.00} out of my checking account. And it is making me sick to know that I was scammed like this. 

I have since tried to contact them regarding my account, but the phone appears to be disconnected. And the email that is on their letterhead seems to be false also. The email is XXXX If needed, I can provide emails that were sent back and forth between me and the company. 

There is also another letterhead of a company with whom they may have dealings with. The name of the company is XXXX XXXX  XXXX, and their info is below : XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  act # XXXX has violated my rights. As have XXXX XXXX XXXX. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer getting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under an open end cunsumer plan as late for purpose.
Product: Credit card or prepaid card

Comenitycapital/XXXX on my credit report for XXXX does not show any contact info. I tried calling XXXX could not help me. I am at a loss.
Product: Money transfer, virtual currency, or money service

I am unable to withdraw cryptocurrency from my account. I am getting an error risk management. I already deposited money to my account to bring it to a positive balance. There should be no issue. I am unable to get a answer from anyone.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding alol inaccurate items on my credit report that continues to negatively impact my credit despite the efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these item as it is all incorrect and does not reflect my true credit.
Product: Vehicle loan or lease

I have an auto loan with CapitalOne Auto Finance. I have been paying more than the monthly payment to get the principle down faster so I can get the vehicle faster. Every month the principle amount is up a little and the interest amount is higher. I have called them serval time. I get told that the interest is done on a daily bases. Something seems wrong.
Product: Credit reporting or other personal consumer reports

It has been wrote off long ago and now there bring it back up and it's the same account two times how is that legal I'm contacting a attorney and the XXXX account they know is not mine just like the cable account they deleted the address because I never lived there but left the debt on my report I feel like I'm being discrimination against me and I know there's attorneys who would be more than glad to take my case because there simple experion XXXX and the other two are all doing the same thing just like it says I live and lived in Wisconsin never have I in my life lived in them places step up your game stop profiling XXXX people before we all come together and fight you all in court I'm definitely tomorrow contacting a attorney this is wrong and I have had it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX REPORTING ON MY CREDIT. THIS ACCOUNT WAS PREVIOUSLY DISPUTED AND DELETED. IT HAS REAPPEARED WITH EQUIFAX. THIS ACCOUNT WAS PAID AND SATISFIED. THIS REPORTING IS AN ERROR. PLEASE DELETE. SEE ATTACHED PROOF OF PAYMENT.
Product: Credit reporting, credit repair services, 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 XXXXXXXX : # 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 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.