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

Well Fargo continues to brush me off with responses that do not provide any proof that they acted in an ethical and non-discriminatory fashion. As a matter of fact article after article, class action suit one after another including XXXXXXXXXXXX XXXX own DA has found Wells Fargo to be nothing less than nefarious. Wells Fargo has stated repeatedly that I was approved for a " Modification '' and that I didn't accept their proposal. They expected me to fall victim to their fraudulent ways just like the millions of other who were approved for so called Loan Modifications by XXXX servicing which was a subsidiary of Wells Fargo. Customers believing Wells Fargo had granted them a " modification '' to keep their home paid on their modification for 18 months, received a Truth and Lending signed and notarized to the proof of the modification. Only to find a foreclosure envelope in their mail box. Trust me says Wells Fargo we reviewed you documentation and upon fair review we were able to offer you the same loan terms and conditions, but just not call it a XXXX XXXX loan .... What? I refuse to speak with some used car salesperson on the phone trying to talk me into believing that Wells Fargo has acted and continues to act ethically and responsibly. Again all evidence points to lies and deception on the part of Wells Fargo and I reiterate that my loan modification was not assessed in an ethical and non-discriminatory court ordered manner. Before furnishing any further additional documentation Wells Fargo need to first establish an interest in establishing their claim of no wrong doing on their part as they've monetarily have paid for via class action settlements. I request Wells Fargo 's senior management team set up a meeting with me and my advisors and walk us through my entire loan modification along with the process utilized.
Product: Credit card

Navy Federal continues to pester me over a long-closed account that should be written off. The remaining balance is around {$10000.00}. They refuse any action beyond hoarding the debt.
Product: Credit reporting or other personal consumer reports

My background check came up with license suspension. It has never been suspended. No cop has ever mentioned that. I was in the DMV about a month ago to renew my license and they did not mention anything. I checked the Iowa DMV site and it also says everything is valid. The background check they sent me is password protected so I can not see the specific date or anything at all. The employer just told me a suspension came up. That is totally and completely false. The background check was done by Checkr and the company is XXXX XXXX. I was denied a job because of this. I am worried I will not be able to get a job because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy is over 7 years old and should be removed from my report.
Product: Credit card or prepaid card

Ollo credit card company let XXXX take total of {$210.00} I never had a XXXX account I had to call XXXX and got them to refund my money back but Ollo card services say they didnt Ive bin fighting with both of them sense XXXX
Product: Credit reporting or other personal consumer reports

Equifax has reported that I owe a collection agency XXXX XXXX They have creditor blank, payment history blank, balance update blank. I was provided with no contract binding me to an unknown company. Equifax need to Remove info off my credit report by law. This account is inaccurate.
Product: Mortgage

There have been a number of issues in dealing with NewRez since my loan was automatically transferred to them. Everything from form not being updated with the correct address to where checks should be mailed, customer service reps not following up and not providing accurate information, and most recently I get messages every month saying that I am not up to date on my payments when Im on autopay and those payments come up when I get paid. That said, what made me reach out today is I was charged three times over 4 days for my regular bi- monthly payment. I called in the rep and her manager we incompetent and the manger specifically was extremely rude within seconds of me being transferred and disconnected the call and sent me to someone elses voicemail. It is extremely difficult to get quality help and this is the second time theyve taken money out my account and put my in a bad financial predicament because of their incompetence
Product: Debt collection

They been calling every day off of different numbers I requested to pay XXXX amount XXXX dollars a month they wanted more per month so I told them when Im ready to settle I will contact them
Product: Credit card or prepaid card

BankAmericard Platinum Plus Mastercard Ending in XXXX XXXX  I have reason to believe that Bank of America is violating 15 U.S. Code 1666d ( A ) by failing to offset the balance of my credit account from consumer credit transactions made by this card.

15 U.S. Code 1666d states ; whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 

The balance of {$490.00} on my account is evidence that Bank of America has not took the necessary steps to offset the balance from consumer credit transactions on this card as listed in 15 U.S. Code 1666d.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I spoke with a rep at Quicken Loans about refinancing, I decided to pursue a different avenue and he left me alone. The I got emails and text back and forth with another rep and indicated my biggest  issue was their persistence. After being done with her I kept receiving numerous calls from XXXX ( XXXX ) XXXX, 7 in the past 2 days alone, 2 I answered he just recorded my voice and hung up. There are also a few other numbers I think are them as well ; ( XXXX ) XXXX called me 5 times in that same span.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion Chapter XXXX bankruptcy discharged Filed Date : XX/XX/XXXX Reference Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

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 My and my wifes credit was consistent with the guidelines, our income is more than sufficient to cover the loan. I was informed that my housing allowance which is monthly income reported on my w-2s annually and taxed was being disqualified as income. This would make me ineligible based on my debt to income ratio. This is unfair and unethical business practice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX notified me that there was an unauthorized access to my account.  I notified them this was not me who accessed my account from the new device.  They then notified me they cannot legally share if my data was breached.  How is an agency that claims they help with credit monitoring, not able to tell me if my data was breached at their own company?
Product: Vehicle loan or lease

Dear XXXX  XXXX XXXX XXXX, I am writing in response to the denial of my credit application. I would like to formally express my disagreement with this decision, as it has caused significant distress and is, I believe, unjustified based on my creditworthiness. 

As outlined in Title 15, Section 1691 of the Equal Credit Opportunity Act ( ECOA ), it is required that any denial of credit must be based on valid and verifiable reasons, and I have not been provided with adequate reasoning for the decision. My creditworthiness, as shown in my credit report, is sound, and I have consistently demonstrated responsible financial management. 

I would also like to clarify that under the provisions of the law, only the board of governors of the institution has the authority to deny an extension of credit. If the account is not opened as requested, I must rescind my application and seek resolution through other means. Should the matter not be resolved in a timely manner, I will be forced to pursue legal action to ensure that my rights as a consumer are respected and upheld. 

Additionally, I am prepared to sign a promissory note in accordance with the terms and conditions of your institution if the credit extension is reconsidered and approved. 

I trust this matter will be given the attention it deserves, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card

This company is using I guess a dialing system they are calling from all different kind of numbers and its practice is going against FDCPA rules. I have been called from XXXX XX/XX/XXXX 8 times in 1 day some of them are back to back as of right now filling this form out at XXXX cst no telling how many more I will get till XXXX. XX/XX/XXXX 10 times in one day. XX/XX/XXXX 5 time in one day. XX/XX/XXXX 7 times in one day. XX/XX/XXXX 11 times in another day. XX/XX/XXXX 5 times in one day. I also have a log for a message for XXXX nothing is said. I have them all on my cell phone log for records. I am also begin called from XXXX nothing too bad with this number no more than 4 times. XXXX 9 times in one day. 6 times in one day. 5 times in one day. XXXX nothing more than 2 times a day. XXXX nothing more than 2 times a day. XXXX nothing more than 2 times a day. This is harassment in the highest level.I feel this company ca n't call you repeatedly or continuously to harass, abuse, or annoy me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit report pulled on XXXX XXXX and I noticed there were several hard inquiries that were removed and have been reinserted. I called Experian and spoke with a US representative who removed those hard inquiries. I NEVER received a 5-day notice which is a FCRA violation. I am requesting that all hard inquires that are being incorrectly reported be removed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cbna XX/XX/2022 XXXX inquiry I have no acknowledgment of this account or even create discount, or try to fill out for anything with this account. I tried reaching out to them. They said they dont see me in your system.
Product: Checking or savings account

On several occasions Ive been charged overdraft fees when money was available. Also, stop payment was requested on numerous occasions hey money was still taken several days to weeks after.
Product: Credit card or prepaid card

Constantly getting emails about credit reports, credit card capital one invoices about payments ... and Ive NEVER had a credit card in my name EVER ... Im XXXX Ive applied but have never been approved so the fact there are credit cards out there somewhere in my name is ridiculous ... how do we get this fixed??
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed three disputes with transunion and was told they had investigated however I learned they don't investigate they just sent an email asking the reporting creditor to verify the reported information. All they require is a response saying it's correct. I have repeatedly contacted transunion and the creditor and have sent proof the information was not accurate and it was removed then put right back on. A school loan that was discharged because of XXXX and two items I have no knowledge of and have never been supplied any information by the supposed creditor. I have asked for proof several times and received nothing. Why are credit reporting agencies allowing things to be added to a report based on someone's word and not real proof collection agencies are notorious for reporting false information XXXX and XXXX, knight adjustment, and trasunion need to be investigated and corrected. 
XXXXXXXX XXXX  is a preditory agency attempting to collect debts that they know are wrong. I had a secured card from first progress that the balance was paid by the security deposit and they are reporting an unpaid balance. Student loan was discharged and transunion is showinXXXX XXXX XXXX XXXX twice even though it's obvious it's the same account and I have told them this repeatedly how can two places report the same account. Transunion should be required to investigate and get proof when disputed. They don't they just email and ask if it's correct never verifying anything
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. 

Equifax XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, DOE XXXX : # XXXX, DOE XXXX : # XXXX, DOE XXXX : # XXXX, DOE XXXX : # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Vehicle loan or lease

On XX/XX/2021 I called in to check the status of my account, the CSR told me to make a payment of {$450.00} online and pay a late fee of XXXX and they would remove the NSF of XXXX. I made two transactions with the CSR on the phone while making the payment through the website. Payments were received & confirmed. On XX/XX/2021 I received a notification that my account was debit {$450.00} from Kia Motor Finance. They did an EFT after they told me it was not " set -up '' because of faulted account issues. That payment was not authorized. I called back to ask for a refund and they refused to give my money back. They kept me in limbo for weeks. XXXX. Every time I called I was giving the run around. they also stated that I was not the primary account holder. Then they told me my son was the primary account holder and I was just the co-owner, and they were going to send the refund check to my son. They did NOT receive any payments from my son ever I have proof. They did NOT auto draft an EFT from his bank either. All funds, payments and fees were from my account. The buyer agreement states the buyer and co buyer. I have proof. I called again on XX/XX/2021 at XXXX to ask the status and I got the same run around from a special " agent '' XXXX that they were going to issue out the refund correctly & post to my account after I explained I was not waiting for another 30 days for payment. I called again XX/XX/2021 to check the status and nothing was done and my account has been placed in collections for payment that was due XX/XX/2021, with additional fees. I feel they are messing up my credit score and racially profiling. This is an act of manipulation and deceit. I haven't received a refund for a payment a month later.
Product: Debt collection

For years now I have been trying to get this GRANITE STATE MGMT removed from my credit. I have never had an account with them. I have never made any payments. I have never been late. I have had 0 contact or association with them. And the credit agencies have failed to show a written signature agreement between me and this company. This debt is clearly fraudulent and I want it gone from my credit. I am fed up. I have years of documentations to back my claim. The next step is my lawyer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I was in conversations with XXXX XXXX XXXX and XXXX and they utilized my requested personal information to submit multiple loan applications included this credit card. I signed what it was suppose to be estimate to build a house but they converted on multiple fraudulent loans and no work has been made. I signed on XX/XX/year> in the evening and XXXX companies had run my credit and opened accounts the same date included XXXX XXXX  I do not know how they did it because I have fraud alert in my files. I disputed this account because like I said XXXX XXXX never mentioned any credit cards or line of credit specially to open an account with a XXXX  person or company. The credit checks were done before I signed anything. I complained to XXXX XXXX and they told me not to dispute it that they were going to take care of the problem, I told Synchrony Bank that I was paying because credit card appears in my credit not because I acept responsibility for XXXX XXXX and did not know how they used the {$50000.00}. Synchrony Bank is charging me but if they send the money to XXXX  they should go after that company and request reimbursement for the fraudulent claim, I already told the XXXX  XXXX has not provide me any service or work. I received no benefits and if they have evidence of that benefit to prove it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 


CALIFORNIA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2021 Balance {$840.00}
Product: Debt collection

I have disputed this debt as the dates that they claim this was incurred, I was out of the country. My accounts and credit report were part of the XXXX/XXXX  data breech and as a result I have had to resolve these issues on my report. However, this company has been particularly abusive and bullying in their tactics. They sent one letter on XX/XX/XXXX and then tried to serve papers on me in XX/XX/XXXX- for a debt that I am not responsible for nor, have ever heard of this company before. I have filed reports with 2 credit reporting agencies, so by law they need to stop harassing me, however, they have not. I am still trying to access XXXX  to dispute the reporting with them, however, due to the data breach, and misinformation on my accounts, I can not even access those records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is an account that has reported to my TransUnion credit report on XX/XX/2018. I have absolutely no previous business with this company. I dont know who this company is. This is Fraud! I need this to be deleted and removed from my credit report immediately please.