23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have had multiple calls from a company by the name of RGS Financial ( from a number listed as ( XXXX ) which I have missed. The location indicated is XXXX, AL. No messages were left on my voicemail. 
I attempted to return the phone call at the number listed. The immediate automated voice message says that it is in attempts to collect on debt. To my knowledge, I absolutely do not have any outstanding debts to anyone for any amount. I selected the option to speak to a person. They would not use my phone number to retrieve any information without me confirming my name, which I refused to do. I called again and selected the option to use the automated payment system. The Automated payment option was able to look up my account by the phone number from which I called from, but immediately asked for a credit card number, which of course I did not provide. I called again, selecting the option to speak to a person and asked for my account number or debt owed information to which again they denied me access to unless I would provide my name. I explained that the automated system did not ask for this information and was apparently able to identify me enough in order to be able to ask for my credit card information. This is either a scam or this company has terrible business practices putting American 's financial security at risk. Something needs to be done to shut this down or force them to comply with business practices that would protect consummers.
Product: Checking or savings account

DATE : SUNDAY AFTER CHURCH : XX/XX/2021 PROBLEM : WITHDRAW AT ATM WHAT HAPPENED : XXXX XXXX WOULD NOT RELEASE MY FUNDS TO ME AND ARGUED EVERY STEP OF THE WAY. I WAS ESCALATED TO A MANAGER AS REQUESTED BUT THAT WAS A JOKE HER NAME WAS XXXX XXXX HER AND THE FIRST AGENT WERE CLOWNS TO SAY IT KINDLY. 

WHAT COMPAMY IS THIS ABOUT : WELLS FARGO FIRST AGENT WHO ANSWERED THE CALL AS WELL XXXX XXXX. 

WHY THESE PEOPLE WANT TO MAKE IT HARD FOR ME TO GET MY MONEY IM GOING TO LOSE MY XXXX WITH YIOU PEOPLE! 

WHY CANT YOU BE HELPFUL AND WANT TO CHNAGE INSTEAD OF XXXX PEOPLE OFF AND MAKING THINGS WORSE. 

ONCE MY INCOME TAX COMES I WILL BE LEAVING THAT FREAKING BANK AS THEY ARE DOING THE XXXX WORK AND I DONT WANT ANY MORE PART OF THESE PROBLEMS THAT SEEM TO BE CONSTANT WITH THEM. 
THEY CHEAT THE PEOPLE WITH FAKE ACCOUNTS AND XXXX KNOWS WHAT ELSE IS UNDER THE TABLE. 
I AM ASKING TO DO SOMETHING TO THIS COMPANY AND THEY BE FINED OR PUT OUT OF BANKING AS THEY ARE NOT RIGHT IN SO MANY WAYS!!!!!!!!
Product: Debt collection

I just seen a collection from XXXX XXXX  collecting for a XXXX account which I have never had ever. This is wrong and I want it removed from my credit file. I did have identity thief back in 2006 and filed a police report I 'm hoping someone is not using my information again. I dispute this account as it does not belong to me and want it removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  & LexisNexis refuse to provide me my full credit file ( front & back ). 

LexisNexis shared information with XXXX without my consent and credit inquiries from unknown sources improper. 

XXXX mailed me a letter, in contradiction, XXXX instruct me to furnish verifiable information such as address etc. that they have confirmed via XXXX letter attached.
Product: Vehicle loan or lease

Vehicle was illegally repod. Many items were stolen from said vehicle, including items that can never be replaced as they were given to me by my now deceased parents. Company needs to compensate me for these stolen items and the issues the illegal repo has caused in my life, also remove their lies from my credit report. Company, Bridgecrest, can not provide documentation that backs anything they claim up. I however have provided documentation that proves I was making payments up until the end of XXXX and then XXXX was to be deferred. This was per their own representatives. All Bridgecrest has done is verbally refute what they actually did, with no real documentation nor proof to substantiate it. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My family and I are in the process of attempting to purchase our first home. We were supposed to close at the end of XXXX but due to issues on the sellers side, the closing was postponed until the end of XXXX. My lender did inform us that due to the delay, paper work would have to be updated and a closing could not take place until the issues with the sellers were resolved. 
On XX/XX/XXXX th I was called by my lender and was told that after a credit refresh was run on my husband a 30 day late appeared on his credit report for a PNC credit card. This came as a total shock to us, what made matters worse was that the late resulted in a credit score drop of over 100 points on each credit bureau, this drop in score has basically eliminated us from getting our mortgage and essentially leaving us homeless. 
The reason I am writing to you is twofold. The first reason is the way the credit billing was handled by PNC. The due date for the card was XX/XX/2020 the day before XXXX, at that point my family and I were getting ready to leave our apartment, due to Covid 19, my husband was working extra shifts and I was packing up the house, but we never received a paper bill from PNC. I am not set up for paper free billing so we rely on the paper bill. In addition, our history with the card was excellent no late payments ever. Because of this mistake, our mortgage approval is in great jeopardy. 
The second reason for this letter is the unreasonable nature of the credit score drop. As they say let the sentence fit the crime. Even if they say the late payment is ruled legitimate which I do not believe it is why would my husbands credit be impacted so much for 1x 30 day late on a credit card. According to my lender, my husbands middle score dropped 130 points this is unfair and has been devastating to my family. We have been hit hard by the pandemic I was laid off and have been caring for a XXXX child, the loan was under the name of my husband and my Mom, we need help to resolve these issues as quickly as possible. We need a home.
Product: Payday loan, title loan, personal loan, or advance loan

No communications from company for over a year. No reporting to credit bureaus of any kind. Then 2 days delivered a summons for court out of the blue. Terrible company. Feel like it is all predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIFTH THIRD BANK in XXXX of XXXX reported me as 30 days late. This was due to an error on their side. I had signed up for automatic payments and they failed to set it up. Spoke with an individual that stated they would take care of it because it was not my fault. Stayed on XXXX called FIFTH THIRD BANK back and they stated they wouldnt change it. Tried to dispute with credit report agency and failed.
Product: Credit card

A credit card was opened in my name without my knowledge or consent.

Account number:XXXX  Open Date opened XX/XX/year> I have filed a FTC report along with disputing the account with the credit bureau XXXX 
My address is XXXX XXXX XXXX XXXX Al XXXX My name is XXXX XXXX. 
I have attached a copy of my FTC report and a copy of my driver 's license showing my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$370.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXXXXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

Re : Intent to File Suit Due to Violations of the FCRA, I have previously mailed letters to you, requesting that you delete inaccurate information from my credit file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters have stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and delete all unverified accounts, I will file a civil suit in Illinois for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX XXXX XXXX  Account No. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX XXXX  Account XXXX. XXXX Delete this unverified Account Immediately. 


Delete these unverified accounts immediately.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX  {$9400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXX XXXX XXXX {$38.00} XXXX XXXX, XXXX Inquiries XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Mortgage

On Thursday, XX/XX/XXXX, I spoke with XXXX XXXX from the Executive Office of Wells Fargo in reference to the investigation and complaints. <P/>My main concern now is that it took over seven- ( 7 ) months to inform me that the appeal was not even done because Wells Fargo states that it was not received in their office prior to the TWENTY- ( 20 ) days for review. <P/>I submitted a USPS receipt from the certified mail that I sent, date and time stamped onXX/XX/XXXX XXXX the twentieth day ). XXXX XXXX informed me that they did not receive it byXX/XX/XXXX within the twenty day time frame. I informed XXXX XXXX that the appeal was sent within the time frame and she replied that Wells Fargo must receive it by the twentieth day to be reviewed immediately and that it violated their rules if it was sent by the twentieth day. <P/>In conclusion, I believe that Wells Fargo did a bias investigation and worked around the evidence that I have to provide the CFPB with their conclusion.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX XXXX and XXXX XXXX XXXX checked my credit without my authorization XXXX XXXX XXXX and XXXX XXXX XXXX XXXX checked my personal credit without my authorization Neiman Marcus checked my credit file without my authorization
Product: Credit card

Back in XXXX of 2024 I applied for and was approved for the XXXX XXXX XXXX card with a {$13000.00} line of credit as part of a 0 % Balance Transfer offer I received from Citibank. I tried to transfer a balance, but missed the deadline by one day and called the # on the back of the card. The rep told me there was nothing they could do and that I should close the account and apply for a new one. 

I did exactly that and applied for a Citi XXXX XXXX with App ID # XXXX. Their decision letter explained that they would not approve me due to information they found on XXXX. The letter states : " Your existing or previous account with us has a history of late payments. '' Etc. 

I contacted XXXX ( Credit Report attached ) and tried to dispute this information but they indicated that there are no late payments anywhere to dispute. I then tried, for 3 days, to call a number of different phone # s ( XXXX ; XXXX ; XXXX ; XXXX ; etc. ) and ones that you and I tried when I visited you today. Every # kept cycling to the reason for denial with no way to find out how to dispute the incorrect information. 

Why would I have been approved, in XXXX of 2024, for a XXXX XXXX card with a limit of {$13000.00} if I had late payments? Why am I being denied the Simplicity card applied for in XX/XX/year>? This doesn't make any sense as I have spotless credit and a high credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 Section 602 A states I have the right to privacy ; 15 U.S.C. 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my prior written consent. I have not consented to this transaction ), the following listed accounts have violated my rights : XXXX  Acct XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX US DEPT OF EDXXXX Acct # XXXX US DEPT OF EDXXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX
Product: Mortgage

Our Mortgage company is Carrington Mortgage, we did go into foreclosure, due to various reasons ( covid was a cause ), but after paying back the roughly {$4000.00} in missed payments. We also paid an additional {$8000.00} dollars in fees. Now they are charging me with an additional {$5000.00} dollars in fees, after we paid everything off on XX/XX/XXXX. Then XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX ( XXXX ) they continued to charge us fees. Without giving us a reason or cause. They simply state that they can because it's servicing our loan and it's in our contract. We have been current and ontime since XX/XX/XXXX, and yet they are still charging fees. The only reason there is no fee in XXXX, or XXXX is because I sent a dispute letter and they had to stop until the inquiry is over.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit
Product: Consumer Loan

GM Financial is reporting negative account information to the XXXX major credit bureaus. I have faxed, emailed and called about the inaccurate late payments and they have not as of yet corrected my credit reports.
Product: Mortgage

I have been making payments on my mortgage to Nationstar Mortgage XXXX XXXX XXXX XXXX. I paid extra and requested that it be applied to principal. Instead of applying it to principal, they have applied it to future payments, so that as of XXXX XXXX, XXXX, I do not have a house payment due until XXXX, XXXX. 

I am in a Chapter XXXX bankruptcy in the XXXX of XXXX. Nationstar Mortgage filed a {$45.00} arrearage claim for a possible escrow shortage. They have applied a {$360.00} fee for administrative expenses for the bankruptcy, but for some reason have not included that amount in their proof of claim. They are basing their refusal to apply the extra payments to principal on this {$360.00} fee. They have not said why they just did n't pay the fee out of the excess funds. There should be between {$160.00} and {$260.00} in the suspense account at this point. 

The failure to properly credit my principal payments has increased the amount of interest I am paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I booked a trip for my daughter using XXXX. We cancelled the trip ahead of time and XXXX was to reimburse me. XXXX delayed providing the credit, however, continued to indicate that the credit would be posted right away. 

The credit card used was a XXXXXXXX XXXX XXXX for XXXX XXXX. XXXX no longer has any records of my activities, since I closed the card, once XXXX provided the reimbursement. 

I pay my credit cards on time and would like for this to be removed. Thank you for your assistance.
Product: Credit card or prepaid card

I paid my Bank of American CC on time in XX/XX/2018. In XX/XX/2018 I received my a new statement with a {$25.00} late fee and interest. I called in XX/XX/XXXX, the rep said they were sorry and took off the interest charge, but not the late fee. At that time I closed the account. On XX/XX/XXXX I recived a new statement with {$25.00} late fee and interest, I was not late I called again today and they would not take off fees
Product: Student loan

I Was working and going to school things got tough had to move and end school didnt want to end school but had to due to financially problems did n't have enough money to pay off my loan and still is looking for work until this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX account number beginning in # XXXX with a balance of {$8400.00} is currently showing up on my Experian Credit. I have notified both parties XXXX as wells as EXPERIAN and explain to them that i have no association with this account. When i spoke with Experian i was told that the account is connected to a name and address that i have no association with. 

My Correct name and address is listed below. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX This inaccurate account is hindering me from employment as well as housing so I am requesting that XXXXXXXX XXXX remove this account from my experian credit report being that i have no association with it. I am also requesting that comenity bank send me documentation so that i can forward to my attorney just incase i would have to escalate this serious matter. 

Thanks, XXXX
Product: Debt collection

I continue to have calls from someone that states they are from Aldous and I didn't know what this was until I pulled my credit report and found there was a debt collection from and Aldous and associates. 

It states it is for XXXX XXXX XXXX XXXX XXXX  XXXX I have NEVER had a membership for this company/gym. 

I have been a XXXX member for the last 20 years and can provide documentation to this point as I have children and they also participate in the XXXX. 

This account is NOT mine and I do not like being threatened by these calls from Aldous. 
I ask for this to stop, remove the fraudulent claim against me and all of my credit reports at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was disputed with the credit reporting agencies. They verified it and it's wrong. I'm uploading proof of this information. Also I have wrong addresses on all three of my credit reports that are still showing. I've called XXXX  and Equifax and haven't received nothing in the mail. Only XXXX. I would like for this is be updated and for this account to come off of my report as It's not 100 percent accurate. Thank you.
Product: Credit reporting or other personal consumer reports

I rapidly request the removal of these inquiries from my credit report as they do not belong to me, and I have no affiliation with the listed creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

A security breach at Equifax on X/X/17 put my credit in jeopardy. I contacted the company was was informed I needed to place a 90 day fraud alert on my file. I feel that this should be the responsibility of Equifax! I protect my identity, my home ... I work hard for all that I have. I did n't do anything wrong and I do n't deserve to take care of this problem on my own. I went ahead and placed the fraud alert on my file and disputed incorrect information on my file like they told me too. Since this " resolution '', I have been informed by other sources of several other major problems. The only tool used to confirm whether one 's credit was jeopardized by this breach requires you to sign a waiver for joining any class-action lawsuit in the future. It is my right to know if my information is at risk by someone else 's hand and it 's my right to get justice for the wrongs done to me. Period. I did what I had to do to find out if my identity was at risk but I am furious that I wo n't be able to get my due justice. The other insane issue brought to my attention is this story that three executives from Equifax sold their stock the day after the breach. This data breach happened a month ago and was only brought to public light this week. Shameful! I demand my identity protection.