23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned. I am trying to start a business, and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why these companies are putting this on my credit report.I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time.Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My family was experiencing a significant financial crisis due to years of only one paycheck, a 5 person household, and mounting debt. I received several advertisements regarding BHG 's financial services. I explained that we were in a financial crisis and was interested in a consolidation loan. Unfortunately, I was encouraged to proceed with the loan and was not given much details. For one, I was never told that they would set up the loan as a " business loan '' and use my name as a corporation which does not exist. Secondly, the contract was set up to sue including applying a XXXX lien on my home if I was unable to pay. I was also not informed that there would be a prepayment penalty and that I would end up paying twice the amount of money that I borrowed. I ended up paying them back a large portion of the money that I borrowed just in monthly payments over the course of 12 months. My monthly payment to BHG was XXXX dollars per month in addition to all the other monthly expenses that I owe. I ended up having to take other loans out just to pay them monthly which has doubled my total debt and eventually led to our situation spiraling into financial ruin. I feel like during a desperate time in my life, I was misled and now my family is at risk for losing everything. They are unwilling to negotiate and continue to threaten us with taking everything from us.
Product: Credit card or prepaid card

I recently was a victim of fraud where there was an account takeover of my Macys American Express. The fraudster  had complete control of everything, my email, they shut down my cell phone, and all information was updated to their own. On the XXXX of XXXX I called Macys AMEX to find out that there were several fraudulent charges and that the fraudster closed down my credit card on XX/XX/XXXX. I stated that this is unacceptable since I did not close the account down and advised that it will also impact my credit history. At first they stated there was nothing they could do about it. I then asked for a supervisor who told me that they were going to research the interactions verifying that it was not me. I have not received a callback. They also could not tell me if it was just my AMEX line or both the AMEX and store credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 items 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 : XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, There are several XXXX XXXX Credits information is being updated in my credit, which have been closed months ago. When XXXX XXXX have been closed with Zero Balance, why did XXXX XXXX kept on reporting every month about closed account with zero balance. It has been communicated to XXXX XXXX that, there should not be any more activities in my account as credit card is closed and also there is no XXXX XXXX Credit card open on my name, social, address and any of my identification details. In Trans Union Credit report, I have observed that XXXX XXXX Kept on updating XXXX XXXX report about closed accounts, which does not any account activity and also no statements generated. Could you kindly direct XXXX XXXX to check my closed XXXX XXXX XXXX and why they have been reporting every months, which have been closed and no account activity at all. XXXX the point in closing individual XXXX XXXX  XXXX cards when XXXX XXXX  abusing and manipulating closed credit cards and kept on reporting every month.As per the Federal Law and Closed Credit Card terms and conditions, there should not be any activity on closed card once its paid and closed with XXXX balance. XXXX XXXX  Holds the complete legal accountability and responsibility at Concerned Honorable Courts and Trans Union Credit Bureau for abusing closed credit cards with zero balance.
Product: Debt collection

I've been attempting to pay a debt since XXXX. So far four different debt collectors are using the same tactics, but I have only gotten proof of the last one. They send a letter saying we will accept $ XXXX for full resolution of the debt. This is then paid in full, and then they take that amount off of the debt, wait two years, sell it to another debt collector and then repeat the process, changing the amount by whatever percentage they want, adding on fees, or whatever else they want to do. It becomes a never ending cycle of you owing debt that you've already paid. I have proof of the last company that attempted to do this to me. The PDF password is XXXX and was password protected by them. If you need any additional information, feel free to email me at XXXX or XXXX. Or SMS/text me at XXXX. 

The companies involved in this exact same scam are as follows, but I only have proof for the first one that I've attached. This has been ongoing for 8 years. 

Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXt ( XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ) I believe that the debt being sold to these debt collectors may have been potentially a knowing party that purposefully does not keep the records of debt collectors and " waits '' for their responses that never comes. 

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

The below accounts have been disputed over the course ofXX/XX/XXXX months and were all received by your bureau, ( I have certified mail receipts to prove ), you have failed to provide true and accurate reporting and have also failed to provide true and accurate results in a timely manner. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX OF MO XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX XXXX XXXX checked my Experian credit file for an installment loan or new bank account. 

I do not have anything to do with this company. I have not applied for a new credit card, nor an installment loan, and have not tried to open a new bank account. I suspect fraud. 

I tried to contact XXXX, but the phone number just rings busy. I tried calling many times. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXX, NH XXXX XXXX
Product: Credit card

I was supposed to receive my new credit card on XX/XX/2024 in the mail via USPS. I verified this through USPS informed delivery. I never received it in the mail. I had my neighbors verify they also did not receive it. I never activated the credit card either. I made one legitimate purchase via XXXX by using the wells fargo " add card to digital wallet feature '' and then all the fraudulent charges were made after that. 

Again, I never received my credit card in the mail since it appears it was stolen. I called Wells Fargo to dispute the XXXX fraudulent charges and they only credited me back for XXXX. This is unacceptable. 

Attached are screenshots of my USPS Informed Delivery showing the missing letter, my Wells Fargo statement with the fraudulent charges used with my stolen credit card which I never activated, and the Wells Fargo Add to digital wallet feature.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the past few years, CITI XXXX has reported a credit card that belongs to my roommate under my credit report. My roommate has called them & advised them that the credit card belongs to him. I also called them and advised them of the negative impact that it was having on my credit report. It was affecting my Debt to Income Ratio. That credit card was taken off my credit report. I was NEVER an additional card holder on that account either. Recently, they send new cards to my roommate including one card with my name. He called them and asked them to remove my name from the account. However, since then, because of the personal & business issues he has not been able to pay that credit card. This credit card is being reported under my credit report as delinquent as if I am responsible for the card payments. I want to understand under what authority CITI can report this misinformation that is negatively impacting me personally. This will be the third time they have done so. It seems that there are zero consequences for them and no one holds them accountable for any erroneous information reported. 
I attempted to call them. After being on the phone on hold for over 1 hour, I chose to file a complaint. It seems that filing a complaint has no consequences for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked CoreLogic/Credco. To know which methods they used to verify such information on my credit file. And what where they reporting to the credit companies and there responses was they cant give me the information that I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX  XXXX Balance Owed : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX  XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was deeply shocked to find erroneous accounts appearing on my credit report tonight without any clear reason. I always check my credit report diligently, but this time, sudden and unexplained discrepancies surfaced out of nowhere. Refreshing my browser did nothing to eliminate these inaccuracies, proving it wasn't just a technical error. Due to this distressing situation, I earnestly request a comprehensive review of the documents I've provided to ensure this never happens again.
Product: Bank account or service

Wells Fargo unilaterally closed my checking account, claiming that it is " dormant '' event though there are XXXX transactions processed through the account everymonth -1 ) deposit/transfer from an external checking account, and 2 ) withdrawalof payment for XXXX mortgage on my home, held by Wells Fargo. Wells Fargoprovided me with no notice, and cause my payment to my XXXX mortgage tobe " late '' because the payment could not be withdrawn from my now-closedaccount. When I called customer service they told me I need to talk to whoeverclosed the account, and after I repeated told them they were the ones who closedit, they transferred me to someone else, who told me I have no recourse, andwhen I asked for proof of any notice of my account closing, hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sought to obtain my credit report from the Trans Union. They have refused to correct even provide me with copies of my report. For me to know as a consumer, what they 're reporting. Although they 're disseminating inaccurate information about me, I have no insight into their inaccuracies. However, they continue to try and get me to buy credit monitoring services, etc. I 've tried repeatedly to obtain a copy of my credit report, have them reference for inaccurate information, to no avail.
Product: Student loan

When talking to XXXX XXXX XXXX XXXX ( my student loan service provider ), they tell me I can not apply any over payments towards principal until my capitalized interest is paid. They also said that the interest compounds daily, which means it accrues approximately at {$130.00} a month ( give or take some dollars because some of the loans have variable rates ). I have a couple of problems. 1. No one who assists you with the loan application when you are applying makes any statements about the ability of the loan to compound daily. ( this would be the only loan available that I am aware of that does this, and the only one where you are not explicitly informed of this possibility occurring ) 2. If I am not allowed to apply over payments towards principal, this would also be the only loan that I am aware of that you can not pay down the principal with extra payments. I have been on an income driven repayment program. This past year I was only required to make {$85.00} a month payment. ( When I set up the auto-payment earlier this year, no-one mentioned that the interest accrues at {$130.00} a month. ) When I set up my auto pay, I wanted to start dropping the principal, so I elected to pay more, {$170.00} a month. I also elected to have the extra applied towards principal soooooo the interest accruing is less because I am knocking down the principal with almost {$100.00} extra a month. Now I learn as I am about to reapply for my income driven repayment program that I am " not allowed to pay down the principal ''. It all does not seem quite legal and the information provided when applying for the loan as well as setting up auto pay is inadequate and surely seems to violate consumer protection laws. I figure I would start here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing errors found on my credit reports with Equifax, XXXX, and XXXX since XXXX of 2021. There are misspellings of my name, addresses I have never lived at, and accounts that are not mine listed. I have disputed with the bureaus via certified mail on a monthly basis. Despite my many attempts to have the errors removed/updated I have not gotten the investigation results that the bureaus are supposed to send in the mail. Without these results, I am unaware if an investigation was completed, or how they verified the information if it was. This in itself is a FCRA violation and warrants the removal of these errors. I will also list the errors below for your convenience. Please see the attached documents for further in-depth detail regarding the accounts in dispute : 1. XXXX XXXX XXXX/National Business Factor- Not my account 2. XXXX XXXX XXXX XXXX- Not mine, and is falsely reporting as an open account which is a FCRA violation 3. XXXX XXXX XXXX XXXX- Not mine XXXX and is also falsely reporting as an open account which is a FCRA violation 4. 2 XXXX accounts- Neither account is mine and I have not seen validation 5. XXXX Dental/Allied Collections- Not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted multiple investigation requests to the CRA on XX/XX/2021, XX/XX/2021 with subsequent complaint to CFPB - complaint # XXXX. 

It is my understanding that as a consumer, I have a right to complete and accurate information reported on my credit file. It is also my understanding that the credit reporting agency ( Transunion ), by law, must investigate and update with complete information or delete the item from my file.

Transunion has not properly investigated my dispute. They have not accurately updated my consumeer report, nor have they removed the item that they could not verify. 

The CRA/Transunion is reporting an inaccurate " current status '' of " Charged off as bad debt ''. The report shows a 7 year period with no late payments. My Transunion report has reflected this unresolved discrepancy for several months with no resolution afforded to me by the Fair Credit Reporting Act.
Product: Vehicle loan or lease

I am a custom to identity theft, and the last car was broken down cant get it fixed to please. We took it off my credit report.
Product: Credit reporting or other personal consumer reports

I want to make a compliant for XXXX Credit Bureau My name has never been XXXX XXXX. I can update my social card to prove this information. 
I never had an account with Mercantile Adjustment Bu or XXXX XXXX XXXX The balance shows paid off and close this is fraudulent on my account. 
This is fraudulent under my name I never lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX ... XXXX XXXX XXXX the current amount is {$2600.00}. I have reached out through phone and certified mail. They have yet to respond to my second notice. 
Lastly, I have reported Account XXXXXXXX XXXX XXXXXXXX XXXX, because they have violated my rights. 
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681, specifically Section 604 ( a ) ( 2 ). This provision grants me the right to privacy and stipulates that a consumer reporting agency can not disclose account information without my written consent. Furthermore, under 15 U.S.C. 1666b, a creditor is prohibited from treating a payment on a car loan account under an open-end consumer credit plan as late for any purpose.
Product: Prepaid card

They found no reason to refund my money back because they said that it's not possible to duplicate the chip on my card and that's what was used in the withdrawals made
Product: Debt collection

I have some medical collections from kings credit service, account number XXXX XXXX i have more collections from this company, i want these accounts deleted from credit report becuase these collections are medical bills and i had insurance to cover the bills, also the hospital violated my rights per the hippa law. the collection company should not have my medical records. that's a violation and i can sue. but all i want is for kings credit to delete all my accounts from my credit report, asap.
Product: Debt collection

Debts was not of my own making and was used with out my land fraudulent Identity
Product: Credit reporting or other personal consumer reports

Hello CFPB, I am writing a complaint against XXXX, XXXX XXXX and Equifax. I've sent them multiple complaints stating they are reporting inaccurate information across all 3 credit bureaus. They keep sending me stall letters stating that someone else is sending my disputes or they send me Verified letters. I have proof that they are not doing their due diligence to correct or remove items on my report. They are still violating the FCRA laws. I have letters from them stating they Verified the accounts but I still see inaccurate dates, balance and status on my reports. Please investigate this for me thank you
Product: Mortgage

Gentleman, In response to Wells Fargo 's XX/XX/XXXX, response to complaint number XXXX. 

I am attaching further corroboration documentation substantiating that Wells Fargo is Explicitly, Unquestionably and Undeniably the appropriate company at issue. 

Wells Fargo continues to avoid responding to this serious matter. 

Wells Fargo denied that it is the appropriate company to this complaint on XX/XX/XXXX and yet again on XX/XX/XXXX. 

In its most recent response on XX/XX/XXXX Wells Fargo again avoids responding to this complaint stating that it has received correspondence through the CFPB pertaining to the servicing of a mortgage. 

This complaint is pertaining to WELLS FARGO. 

WELLS FARGO initiated foreclosure proceedings against me back on XX/XX/XXXX claiming to be Holder in Due Course and Owner of the Note and Mortgage at issue. 

As evidenced in the attached, The XXXX XXXX found that Wells Fargo failed to prove ownership of the Note and Mortgage at issue. 

XXXXXXXX XXXX  and XXXX XXXX  have both collaborated in this Wrongful Foreclosure action against me as mentioned in my previous complaints by submitting False, Forged, Fraudulent and Fabricated Affidavits of Amounts Owed and a Corrective Assignment of Mortgage. As evidenced in the XXXX XXXX XXXX, the affidavits are invalid. 

I am attaching the Pooling and Servicing Agreement which makes it abundantly clear on page 33 of the Prospectus that the Trustee " MAY NOT '' be able to Enforce the Mortgage Note. 

This is corroboration documentation substantiating the fact that WELLS FARGO has Wrongfully pursued Foreclose against my property. 

I have requested that Wells Fargo include me in the XX/XX/XXXX consent judgement and I am asking the CFPB order WELLS FARGO to comply. 

I have also requested Wells Fargo to Rescind the Instrument and execute a Quiet Title. 

I appreciate your assistance in this matter. 

Kindest Regards, XXXX XXXX
Product: Debt collection

my initial complaint is # XXXX. Back in XXXX and XXXX I submitted a complaint against Stellar Recovery their phone number is XXXX. They continue to robo call my home each day different times of the day. The automated message gives different peoples names. People I have never heard of. My husband and I are senior citizens and are not in any debt collection. I also wonder if this Stellar Recovery has a charter to collect money in Arizona as there company is in Maryland. I would like to know the status of my complaint as I am still receiving these harassing calls. The status in your database states it is under dispute.. Who is disputing my complaint ; surely it can not be Stellar Recovery as we do n't owe any money that is in collections.