23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was sued with judgment from a collection agency Eichenbaum and Stylianou- XXXX XXXX. I did begin paying after receiving documents filed in XXXX and threats via phone by the company representative, XXXX XXXX XXXX that there would seize everything in my possession and be a lien and garnishments from my bank account and However, on XXXX XXXX, XXXX I received another letter from a different agency for the same collection. This peaked my curiosity. So, I then contacted the phone company which no longer had records of this bill from XXXX. I contacted E & S advising that I would cease payment that the phone company had no records of and that another agency was also trying to on for a different amount beacause I had felt that this had seem fraudulent. In XXXX, a judgment was entered for {$1700.00} for breach of contract. In which I was unemployed at the time. However, I was told that I still must submit a payment.. I contacted the courts and submitted a letter to the court and E & S advising of my employment status. 
In the past year XXXX E & S now changed to XXXX ( XXXX XXXX ) has contacted my relatives looking to collect this debt. My address has not changed. This debt is neither in my credit report nor in public record. A few days ago I received a letter for garnishment of wages. So, I contacted my local court whom advised that the docket has not changed since in over 6 years - yet their letter refers to the docket from when it was filed XXXX and updated in XXXX. So, I really do n't find their collection practice as being legal as 1- the phone company has not record of this. 2. Another collection agency was trying to collect on it. 3. Courts has no updated info regarding the suit nor of a garnishment.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to EQUIFAX on XX/XX/XXXX asking them to reinvestiagate these accounts : XXXX XXXX, and here is my tracking number : XXXX XX/XX/XXXX they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 1681eb they are supposed to ensure this ( b ) Accuracy of report 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.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report 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.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report 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.

EQUIFAX really did not reinvestigation they lied on an offical document saying they did something they did not do.
Product: Mortgage

Dovenmuehle is a very unorganized establishment, Ive gotten three different payment plans during the covid reliefs program. They have all been inaccurate and nobody at the company can give me a straight answer as to when Im to resume payments. Ive asked to speak to supervisors on multiple occasions and they tell me they can not transfer someone to one. I would have to schedule a call back, Ive done that and still havent received the call back a week and a half after it was scheduled. They dont take peoples lively hood into consideration. These are serious matters with very untrained unfriendly staff. Ive never missed a payment before this and dont want this to hit my credit as a late payment and ruin the track record that Ive had. Every letter has different amounts thats to be deferred, different amount of payments being deferred & different due dates. Out of three representatives, none of them have had consistent information and talked to me as if I was the problem.
Product: Credit reporting

I have requested that the following accounts be removed immediately from my credit report.    XXXX ,  Dept of Ed  /   XXXX   ,     XXXX   XXXX   XXXX   . Th ese accounts are fraudulent accounts on my credit report. I have sent in the proper paperwork and police report. I have also contacted the companies to provide proof of contract and none of them were able to. I have tried to work with this credit reporting agency as well as the credit grantor to have these accounts removed from my credit report. If I am still unsuccessful in this attempt, I will be forced to file a suit naming your credit reporting agency, the above creditors, and acceptor of this letter as defendants. Please send me my updated report as soon as the investigation is completed. These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your  company is required to reinvestigate these items and delete them.   I would appreciate the name of the individuals you contacted for verification along with their adress and phone number s o I may follow up.
Product: Credit reporting or other personal consumer reports

Company has reported Transactions and Experiences to my consume report that is inaccurate and has caused severe harm to my personal general mode of living
Product: Credit reporting or other personal consumer reports

Dear TransUnion RE : You Violated the United States Code Law ( FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FDCPA 15 U.S. Code? 1692e.False or misleading representations ) FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to loose out on offers due to reporting this inaccurate item and not notating it was disputed. 



15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 



Under FDCPA 15 U.S. Code? 1692e.False or misleading representations- ( 8 ) you allowed this debt collector to violate my right. I disputed these items inaccurate over 35 days ago and you havent notated is as disputed. Which cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. 

The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations. 




XXXX XXXX  | XX/XX/2022 : Account number : XXXX, Please remove it from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX XXXX | XX/XX/2022 : Account number : XXXX, Please remove it from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX XXXX | XX/XX/2022 : Account number : XXXX, Please remove it from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 



You supposed to add notice within 30 days not 1 day over as I have proof.As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 



Sincerely, XXXX XXXX Protected by XXXX. 
XXXX
Product: Debt collection

Each company, Midwest Recovery and XXXX XXXX have reported the exact same debt twice ( {$720.00} ) on my credit report. I disputed and XXXX took it off. I have no knowledge of the debt to begin with because I had insurance at that time ( Medicaid ) which covers 100 %. The same is true for the other amount of ( $ 1000+ ) XXXX  found that this was not valid and took it off. I believe they did on XXXX too but then it pops back up as a brand new collection after taken down. I do not owe those companies for anything as they have not provided any service to me. I feel I am being harassed by companies trying to ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY AND DUE TO THIS I AM NOW UNABLE TO ACQUIRE CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 Quantum Collections tried to say I owe a debt. I hired the credit people to dispute this account.
Product: Credit card

Today Wells Fargo closed my credit card account. I found out when logging into my online account. No prior notification was provided. 

I made several calls to Wells Fargo on the matter. Phone agents disclosed the following reasons for account closure:XXXX Unsatisfactory relationship on a Wells Fargo checking account. This account was closed following a CFPB complaint on their payment posting process, disclosures and timeline. 
XXXX. Agents indicated Wells Fargo Risk sent a letter in early XXXX that I failed to respond to. I received no such letter and Wells Fargo Fraud agents later confirmed none was sent. 
XXXX. Cardholder abuse. 

This credit card has a marketed rewards offer of 5 % cash back unlimited for the XXXX six month. I have used this credit card to maximize this offer and suspect this is the core reason for the closure as noted in my account. 

I am fully compliant with the terms and conditions of the cardholder agreement. 

This is a clear case of Wells Fargo baiting and switching their marketing offers. 

I will further follow up with the Attorney General 's office and the Federal Trade Commission.
Product: Money transfer, virtual currency, or money service

Initiated money transfer- XX/XX/2022 for {$300.00} US Per Wise.com they received USD on XX/XX/XXXX Per Wise.com they paid out my EUR Per Wise.com Transfer successfully sent Recipient has not yet received the money into her account. 
Problem was diagnosed as I, the sender, sent money to Person A, but it went to her spouse 's account- I had her name with spouse bank information. This was acknowledged by all parties. 

After several correspondences with wise.com, there is still no resolution. The money has been withdrawn from my account, and the recipient. Wise.com says they sent the money to the recipient 's bank, but the bank says they have not received the money. 

Wise and I have corresponded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Still no resolution.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. My credit report is attached.
Product: Credit card or prepaid card

In XXXX I checked my credit score and it had gone down XXXX points. I figured out that it was a charge for {$2.00} on my Khols card that I only got for discounts and never used. It seems I used it to get a discount and somehow they accidently put {$2.00} on in instead of charging my Debit card the full amount for the purchase. I called and it turns out they had my incorrect address which I had them fix. I paid off and closed the card and was assured the credit agencies would be contacted to repair my credit. Next month I check my credit expecting it to be fixed but instead it was down another XXXX points. I called again and not only did they get my address wrong again but they also got my debit card number incorrect so my card was still not paid off! 

I got it paid off again and got them the correct address again. Then I got a letter saying that if I wanted my credit fixed I had to send them all of my info and an explanation of what happened and my credit score by mail or FAX. I can't even find anyone who does faxing. I am doing my best to make that happen today but what if nothing comes of it? Its XXXX and they still have not fixed things. What do I do if they keep screwing up and not doing what they said they would? My credit score was in the low XXXX and now it is in the mid XXXX. I've worked my XXXX off as a low income person to keep my credit score high because it has been so helpful. 

I tried to file a complaint with the XXXX  but even that is proving tricky.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Constantly rejecting my disputes after mentioning multiple times they are inaccurate. 
The ones are inaccurate is : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts that have been reported on my credit report. Upon reviewing a recent copy of my credit report, I discovered accounts that are not familiar to me and appear to be the result of identity theft or fraudulent activity. These incorrect accounts are negatively impacting my ability to obtain credit and are tarnishing my credit history.
Product: Credit card or prepaid card

XX/XX/2019 {$5500.00} Called Bank of America 4-5 times I overpaid my credit card by {$5500.00} and when requested for a refund check on XX/XX/2019, I didn't receive anything for a few weeks. After a few weeks I called in and a representative told me that they will stop payment on the check and issue me a direct deposit into my account, after a week of waiting nothing happened so I called back in. I got the same response from the rep that payment for the check will be stopped and will issue a deposit into my account. I called in 4 times now, still haven't seen a check nor a direct deposit into my checking account, and the representative keep telling me the same thing. Its been over 5 weeks and I still haven't get my money back yet.
Product: Mortgage

On XX/XX/XXXX, I spoke with Selene Representative XXXX XXXX, who informed me that my loan modification was denied because my application was not complete due to redacted bank account numbers, although I received a letter from Selene stating that my package was complete and under review. XXXX XXXX told me not to appeal, because the appeal would be denied, but I had sent an email on the XXXX of XXXX according to denial letter because by the time the denial letter came to me I only had 2 days left to respond and XX/XX/XXXX was a holiday. XXXX XXXX told me to submit a new loan modification package which I did, and it arrived to Selene on XX/XX/XXXX @ XXXX. I spoke to the following Selene representatives XXXX XXXX, said package had not been reviewed, XXXX said on XX/XX/XXXX package had not been reviewed, but it had been uploaded on XX/XX/XXXX, XXXX said he would make sure and change the notes to say package was a new loan modification package, not an appeal, but when I called on XX/XX/XXXX and spoke to XXXX, she said that had not been done. XXXX said she sent in a work order, and escalation and sent a message to my XXXX XXXXXXXX XXXX informing XXXX XXXX and on my file that my package sent in was a New Loan Modification request package. I called on XX/XX/XXXX spoke to XXXX, he said the package had not been reviewed still. I called on XX/XX/XXXX and spoke to XXXX who was not really helpful, she told me to send another email to loan modification department asking for a review of my New loan modification package, because the package had not been reviewed still. 
Please keep in mind CFPB that new loan modification package has been there since XX/XX/XXXX, uploaded XX/XX/XXXX and still I have not had a formal review of my loan modification package, XXXX kept labeling my package an appeal package which they were told 6 times by me, and at least once by XXXX XXXX XXXX, this was not an appeal, what I sent in was a XXXX XXXX page new loan modification package. Still XXXX has scheduled a foreclosure date, and have not even given me a review of the loan modification package.
Product: Credit card

Wells Fargo canceled my credit card and raised my interest rate despite that I paid my account on time and paid more than the minimum amount each month. Their reasoning for this is that my debt to limit ratio is too high. However, my original limit was {$25000.00} and as I paid down the debt they lowered the limit so that I was perpetually maxed out. They manipulated my credit and the events to create the situation so that my debt to limit ratio is always high. Had they left my credit limit at the original amount my debt to limit ratio would be below 50 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act 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 -XXXX XXXX XXXX XXXX XXXX XXXX Credit Dispute Dept XXXX XXXX MI XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX {$3000.XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Someone stole my identity and opened up accounts with XXXX and US bank. It was a XXXX  liquid account and I am being held responsible for debt I dont owe nor approved of. I filed a report with the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accounts : 1. ) XXXX XXXX XXXX XXXXXXXX XXXX/Account Number : XXXX ; 2. ) XXXX XXXX XXXX XXXXXXXX XXXX/Account Number : XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I found inaccurate accounts on my credit report and I don't know why. During my usual credit report check, these errors suddenly appeared. I attempted to refresh my browser to see if it was an error, but it didn't help. The incorrect accounts persisted after refreshing. Because of this problem, I ask for a meticulous review of my submitted documents to ensure this doesn't happen again.