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

Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : CashNetUSA. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling. 

Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX  without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling. 

Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and XXXX XXXX started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.
Product: Credit reporting or other personal consumer reports

I noticed an incorrect account on my report that i do not recognize. It has hurt me financially. I dont know where it came from and why its on my report. My information has been compromised due to the equifax breach. delete account from my credit report immediately.
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.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. 
XXXX XXXX the balance and date last reported is incorrect XXXX XXXX XXXX XXXX the account was never late. It was a prepaid account. 

XXXX XXXX XXXX XXXX XXXX the dates are inaccurate XXXX XXXX the dates are inaccurate XXXX XXXX  the dates are inaccurate XXXX XXXX XXXX  account status and account balance is inaccurate
Product: Debt collection

This robo call comes in every day for the last 4 months, I do n't know this company, have no outstanding debt with them and have never received written notice or proof of any debt.
Product: Credit card

STATEMENT DATED XX/XX/20 FOR XXXX XXXX FOT THE AMOUNT OF {$230.00}. IT FROM A CREDIT CARD FROM XXXX WHOLE SALE STORE WHICH I NEVER NEW I HAD. OR OWN.? I ALLWAYS USED ANOTHER CC FROM BY BANK. NOT THE STORE BRAND CC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made five payments of {$610.00} since XX/XX/2023 on a loan for {$22000.00} and only 2 payments have been reported and balance shows XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : You are reporting this collection on my credit report. I have no knowledge of this account. This is inaccurate reporting and needs to be deleted immediately. Please mail me a physical copy of my credit report when the above deletion has been executed. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I issued a bill pay check to my landlord for XX/XX/2022 rent ( {$2400.00} ). I have been in contact with the bank since XXXX of XXXX  to get my money back when my landlord said he never received my rent check but the bank told me the money was mobile deposited by someone. I was constantly provided with wrong and contradicting information from many different members of the bank and they are refusing to abide by what they told me needed to be done to get my money investigated. The landlord and I have both signed affidavits. The last time they sent the affidavit to me the only stipulation on the affidavit was that the notarized signature had to be mailed back within 30 days of signature which it was. They are now saying that it needs to be mailed back within 30 days of receiving the affidavit. There is no date from the bank on the affidavit and they keep mailing the same piece of paper. The notarized document is legally binding and they will not accept it. They keep changing the rules to get my money investigated when I follow the steps they ask me to take to have the incident investigated.
Product: Credit card or prepaid card

On XX/XX/2022, XXXX XXXX ( a subscription merchant ) charged my American Express card {$71.00}. I found this amount excessive as I had paid an amount around {$20.00} the year prior and do not recall being provided any documentation at any time indicating that the subscription would renew at this amount. I contacted the merchant on XX/XX/XXXX asking them to withdraw that charge. They refused. I then asked the merchant on the same date to provide me documentation showing that I had agreed to be charged the amount in question. They did not respond to my request. 

On XX/XX/2022, I opened a billing dispute with American Express. On XX/XX/2022, American Express closed the dispute indicating that they found the charge to be valid. They said that I can contact them via Chat within 30 days if I wanted to reopen the dispute. 

On XX/XX/2022, I opened an online chat with American Express and asked them to provide detail as to the extent of their inquiries on the matter. They indicated that they asked the merchant for a receipt and when one was provided, they deemed the charge valid. I indicated my dissatisfaction with that line of inquiry and requested that they ask the merchant to provide a contract indicating that I agreed to be charged the amount that I was. The agent said that he needed to collect some information to reopen the inquiry, and then asked me to provide information that was irrelevant or that I could not possibly provide. When I pointed this out, the agent stopped responding and the chat went no further. 

On XX/XX/2022, I opened another online chat with American Express and indicated that I wished to reopen the dispute. The agent said that they would escalate to a supervisor and I was asked to stay there for a supervisor. I received a message saying that the supervisor would be available in " about two minutes ''. I waited more than 10 minutes and nobody came to talk to me. I assumed that I was again being ignored as I had been on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

A collection account XXXX XXXX for the amount {$320.00} was deleted from my XXXX Credit Report for false reporting but not yet for my Equifax and XXXX Credit Report ; therefore its reporting inaccurate on both XXXX and Equifax and need to be updated.
Product: Student loan

Spoke with XXXX XXXX XXXX who stated I am no longer on Forbearance and was placed back on the IBR plan. Since XXXX the balance has accrued XXXX in interest which is ridiculous. I was informed no interest would accrue while the BDR apps were in administrative forbearance and still processing on the Dept of Education website. Not completed yet for the Sweet Vs Cardona case. Also the tradelines for the balance that was forgiven has not been updated since XX/XX/XXXX. We are now in XXXX. I was told to go on the SAVE program so no interest would accrue on my account. Concerned if I do this that it will mess me up for the Sweet vs Cardona case which I am in the Post Class - Class C group which is to be finalized by XX/XX/XXXX. 

Every time I call I get different answers, I was suppose to have my XXXX XXXX XXXXXXXX XXXX loans forgiven 100 % along with XXXX XXXX which has not been completed yet. I also sent in a paper application for the BDR for XXXX XXXX and XXXX of XXXX. No response from either party!
Product: Debt collection

I initiated a dispute with XXXX and XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Account Control Bureau. Account Control Bureau placed a collection account on my XXXX and XXXX credit report amounting to {$82.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX and XXXX   responded with a copy of my credit report stating that the account in question was verified by the creditor. Account Control Bureau did not provide any documents or evidence to verify the account, but instead XXXX and XXXX kept the account on my report. I initiated another dispute to XXXX and XXXX in XX/XX/XXXX asking again for proper validation of this debt, but instead of verifying the debt, XXXX and XXXX reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Account Control Bureau did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX and XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely examined. Notwithstanding my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and blocking my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening quickly. I mercifully demand that you lead an exhaustive examination concerning the revealing of every XXXX of these contested records. It is basic that the vital advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and respectability of my credit record so I might recapture command over my monetary prosperity. I genuinely encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue expeditiously would be enormously valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Money transfer, virtual currency, or money service

I received a text from a Wells Fargo number on XXXX, asking if I had initiated a XXXX transfer to XXXX XXXX in the amount of {$3500.00}. I replied NO, and then received a call from a Wells Fargo number ( XXXX ) on the same day. The person went through all of the typical " prove who you are '' information, by sending a text to my phone. Then they said I needed to " receive '' the XXXX payment back to myself. So, they had me transfer via XXXX {$1000.00} & {$1000.00} to myself @ XXXX. The following day ( XXXX ), I received another call from Wells Fargo stating that the investigative team had shown that my on-line account profile had been breached. They stated that I needed to move money to the new on-line account that they were setting up for me. So they had me wire transfer {$24000.00} to the " new '' savings account to my email address : XXXX to get my new on-line profile started. All seemed as if it was correct. On my way home from work, I thought I would stop by my local Wells Fargo bank in XXXX to see what further needed to be done to secure my new account. At that point, they told me it was fraud. I contacted the Wells Fargo Fraud Department later that same day ( XXXX ) to report the incident. 
Wells Fargo gave me a " provisional '' credit for the 2 - {$1000.00} XXXX transfers ; however, they said they could not do anything about the $ XXXX. I did find out that the $ XXXX wire transfer went to another Wells Fargo bank. Wells Fargo said they had to get permission from the receiver of the funds to return it & they could not contact them. 
I have filed a police report with my local XXXX Police Department - case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion regarding an account with XXXX on XX/XX/XXXX of XXXX. I received correspondence from Transunion on XX/XX/XXXX that stated that the account was verified. The date of the last update reflects that it had not been updated since XX/XX/XXXX. This means that they did not in fact, perform an actual investigation into this item! This is a direct violation of the FCRA!
Product: Credit reporting or other personal consumer reports

I have reached out to the company about the inaccuracies that are being reported on my consumer file with XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XXXX, XX/XX/XXXX The following account XXXX XXXX XXXX account # XXXX with a balance of {$800.00} on my XXXX file. The original creditor is XXXX XXXX. This account is reported as a debt buyer with a last active date of XX/XX/XXXX. 

The following account XXXX  with account # XXXX with a balance of {$800.00} on my Transunion file. The original creditor is XXXX XXXX. This account is being reported as an open account with a last active date of XX/XX/XXXX. 

The following account XXXX XXXX XXXX with account # XXXX with a balance of {$800.00} on my XXXX file. The original creditor is XXXX XXXX. This account is being reported as an open account with a last active date of XX/XX/XXXX. 

This indicates inaccurate reporting which is in violation to the USC 1681 which states that I have the right to accuracy and fairness.
Product: Consumer Loan

On XX/XX/XXXX I bought {$4100.00} of Furniture from XXXX. The offered a 12 month interest free payment option from Wells Fargo. The order states No interest if paid in full within 12 months, interest will be charged to your account from the purchase date at rate of 27.99 %. The delivery of furniture was XX/XX/XXXX. I made regular payments as required and paid the balance in XX/XX/XXXX. XXXX 's terms of the sale state all orders must be paid in 48 hours prior to delivery. That date is XX/XX/XXXX. I am being charged {$1200.00} of interest because Wells Fargo says the full payment was due XX/XX/XXXX. I missed the date by a week. Why I was confused was I made another small purchase in XX/XX/XXXX and that payment date was showing XX/XX/XXXX. I have excellent credit and had full intention of paying in full by XX/XX/XXXX. This is very misleading and seems to be a calculated attempt to confuse and trick consumers into missing the deadline and charging an obscene amount of interest! Did Wells Fargo pay XXXX the full purchase price on XX/XX/XXXX? If not is that date relevant? Needless to say I am not paying {$1200.00} or the reduced amount of {$930.00} I was offered. The regulations of XXXX were put in place for a reason. I am not unreasonable but this is and I need your assistance to intervene on my behalf. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXphone XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

I put my money into XXXX wallet and now I'm unable to do anything to it due to " gas fees. '' I don't get a choice to even pay for gas fees, I can't get past the page to complete the transaction. I spent money to send it to my wallet and that was a waste.
Product: Mortgage

In the state of Virginia, I have received a tax exemption due to being a XXXX XXXX XXXX XXXX  veteran. I receive tax exemption on my residential home, one acre of land, and one vehicle. I sent the approved tax exemption ( which was back-dated almost a year ) to NewRez to receive a refund for overpayment of in escrow back in XX/XX/year>. I was told that by XX/XX/XXXX an escrow analysis would begin and that they had 30 days to process it. 

I would have been fine with that ; however, I never heard anything back from them and contacted them again. They stated that the escrow analysis had been completed but it was a " trial '' analysis and not a real one. They even sent me documents to show the new escrow amount and that it would start in XXXX. 

At this point, I have called them 9 times since late XXXX ( today 's date is XX/XX/XXXX ) and spoken to several different people who all give conflicting information and have all stated that I should receive my refund within X amount of days. Those days pass and no refund is received, even after several days I gave as a grace period. Each time I call back, there's some other excuse. I've tried to escalate the matter to supervisors but they speak down to you and demean you when you try to talk with them. I'm now in the process of trying to speak to a supervisor 's supervisor and was told that I would receive a call back within 24-48 hours. 

At this point, it's obvious their processes are not working, let alone the fact that they are essentially getting a free loan from me every day they hold my money. The amount they estimated was also short of what it should have been. It feels that at this point, I may never see my money back. What's worse is that they continue to charge me for the taxes that I'm exempt on so the amount they owe me continues to grow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account due to inaccurate information reported. They investigated and stated that the information was accurate. Both XXXX and Equifax are reporting different information. It is my understanding that the bureaus are supposed to mirror each other when the account is listed on both. XXXX is showing a high balance of {$1200.00} and XXXX is showing a high balance of {$930.00}. Further more TU is showing XXXX as XX/XX/XXXX and XXXX as XX/XX/XXXX. They both are also showing a past due amount on a collection/ charge off account.
Product: Mortgage

- I received a CARES Act deferral offer from XXXX Arvest Central Mortgage Co., dated XX/XX/XXXX. I Accepted the offer by signing and mailing it to XXXX on XX/XX/XXXX. 
- Thereafter, I received a Mortgage Statement from XXXX  dated XX/XX/XXXX. Under " Explanation of Amount Due '', it showed a " Regular Monthly Payment '' of {$2400.00}, which I paid by mailing a check to XXXX on XX/XX/XXXX. 
- The Mortgage Statement also said, " You have agreed to a Trial Modification ; please continue to make payments according to the schedule you were provided '' ; but I had not yet received any notice regarding trial modification. 
- Thereafter, I received another letter from XXXX dated XX/XX/XXXX. It stated, ( i ) " You are approved for a Trial Plan to Modify Your Mortgage Payment '' ; ( ii ) " Send your first trial period plan payment of {$1300.00} to accept this offer '' ; and ( iii ) " if you submit your first trial period plan payment by XX/XX/XXXX, follow this schedule for your second and third trial period plan payments. '' - On XX/XX/XXXX, I sent the first trial period payment to XXXX and on XX/XX/XXXX I sent the second trial period payment to XXXX 
- On XX/XX/XXXX, I received a call from XXXX  confirming ( i ) that the XXXX checks had been received, ( ii ) that the funds received had not been applied and ( iii ) she did not know why the funds had not been applied but ( iv ) she would transfer me to someone to address the problem. 
- After a long hold, the agent told me that no one was available, but someone would contact me. I told her it that it was difficult for me to receive calls due to my work, so XXXX should mail or email me stating how the problem would be resolved. It has now been over a month and I have not heard from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent me in a letter stating they need two forms of identification. I mailed them this information along with my dispute and they received this information XX/XX/20. I also have a signature that they received that letter. I will also stretch copies of the dispute I sent ( minus the account number ). Ive marked out the identification that was mailed in along with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX XXXX Balance : {$430.00} Bankruptcy : XXXX XXXX Reference # : XXXX Asset Amount : {$0.00}