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

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out in regards to inaccurate information on my Credit Report with all XXXX reporting agencies. Specifically the Public Records section. Back in XX/XX/2022 I went to US BANKRUPTCY COURT in XXXX, GA. Asked several questions as to did the trustee of the Bankruptcy Court submitted the XXXX result of that case to all 3 Credit Reporting Agencies. I was verbally informed no the courts does not submit any public record s to any of the 3 Credit Reporting Agencies. Also in writing a official letterhead stating that as well. So I made a copy of said letter then mailed it to XXXX and XXXX. To no avail that inaccurate information still on my credit report and is doing unforseen and previous harm to me rebuilding my credit worthiness. Please feel free to contact me with any information you may need at XXXX Thank You.
Product: Mortgage

This company has horrible customer service. They tell me something different every time I call. They say they will call back and I never hear back from them. They say they will send me documents in the mail and they never come. At the present time I am trying to settle a matter of mortgage insurance ( PMI ). I called in mid XXXX to ask them to schedule an appraisal of our home to get rid of PMI. They said it would be a 2 to 3 week process. They scheduled the appraisal, which was done on XXXX XXXX, and then we heard nothing from them. I called in XXXX and was told that they had no idea what was going on with it. I called again a week later and they said it appraised for enough to get rid of PMI but it still needed a manager approval. I waited another 10 days before calling again. Still no manager approval. My bill for XXXX still had PMI required as payment ( {$200.00} ). I talked to them over the phone and asked what would happen if I paid the payment with mortgage insurance still included in my payment. They told me I would get it refunded to me ( {$200.00} ). Next thing I know, they sent me a check for only {$20.00} and said that was all I was eligible to be refunded. Currently I am waiting to hear back from them on this matter. I spent 2 hours on the phone with them 2 days ago, being transferred from one person to another who had no idea what to do. They finally said someone would call me back. No one has called me back and it has been over 48 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage lender tried several time to pull my credit report from Equifax and they couldn't get it we called Equifax 5 times they tell me everything is good there are no freeze or fraud alerts on my report, but my mortgage lender still can not pull it, so I called them again and Equifax tells me there is no problem. This is very frustrating they need to fix it.
Product: Mortgage

I have been with this company XXXX after I was bought out from XXXX. I have called them and also had to tape record them through out the years because of the issues witch I had with Nation star. It always seem to happen around the year of reanalyzing my escrow. I always found out they were over charging me I continually keep watch on my mortgage. On XX/XX/2017 I called I received a letter that my mortgage had went up because my taxes and insurance had went up, I then called the XXXX and my insurance and got it lowered down and I called them they told me my shortage was {$350.00} I then had a three way conference call with the insurance agency she assured them my mortgage insurance went down from {$740.00} to {$560.00} they said they would reanalyze the escrow and it would be lowered before XX/XX/2017 On XX/XX/2017 at XXXX I called a spoke with some lady name XXXX she replied that she was the escrow I asked her to connect me with the escrow department she replied she was the escrow department I told her she was with consumer services what is the problem she ca n't connect me she said she put in to have it checked with the escrow department I then explained to her I had already spoken with someone from the department she told me to hold and kept me on hold for two hours until the phone hung up. I have some recording of some of the communication from the other dates involving the conference calls. I also made them aware I was recording our conversation because of the misunderstanding past the years I 've been through. I 'm just asking that my information be corrected. Before XX/XX/2017 If not I should be refunded back not adjusted this could be avoided if Nation star does what they should.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a certain account for several months now, yet have not received anything concrete to prove my case and keep it from being registered on my credit file. This is a clear violation of my rights. It appears that the credit bureaus have not conducted a thorough investigation of my disputes. I have included my dispute letters enclosing Metro 2 compliance data as well as consumer law challenges under the Fair Credit Reporting Act. Despite this, the accounts are simply coming back as verified without any proof of due diligence being done. This is highly concerning and unacceptable. 

The CFPB is the only hope of providing some justice to this situation, as the credit bureaus have been exploiting consumers rights for too long. I am submitting a complaint to the CFPB today, hoping that they will offer meaningful answers and have my best interests in mind.
Product: Debt collection

I have done disputes and written letters to ask for VALIDATION original paperwork/contract. This company has refused to send this. I am asking that this account be REMOVED from my credit report file.
Product: Payday loan

I received numerous harassing calls from Ad Astra on behalf of XXXX many of which have been from unknown numbers. I was receiving calls from XXXX, XXXX, XXXX as well as Unknown numbers from various representatives from Ad Astra stating that my " File was in there office ''. I inquired as to what file and what they meant when they said it was in their " Office ''. I believe these representatives were misrepresenting themselves in an effort to scare me. In general this company has been predatory from the start of the loan from APR to their collections tactics. In keeping with CFPB 's disparate Impact rulings as it relates to the Payday loan industry I can attest that Ad Astra/XXXX is in violation of predatory lending practices. Their practices and policies are discriminatory and disproportionately have " adverse impact '' against minorities including race, national origin, color, religion, sex, familial status, and XXXX. I believe there is no legitimate, non-discriminatory business need for Ad Astra/ XXXX to practice these policies.
Product: Credit card or prepaid card

The XXXX XXXX XXXX XXXXXXXX XXXX granted me a {$77.00} credit on my Fidelity CC that is serviced by U.S. Banks Elan Financial Services. The vendor processed the credit on XX/XX/2023 and has provided me with the credit slip and authorization # XXXX. I contact Elan at XXXX and they tell me the vendor has not sent the credit through. When I provide them with the authorization # they do not provide an answer as to why the credit has not been added to my account and they say it's a problem with XXXX XXXX credit card services provider. XXXX has been very helpful and they too are wondering what is going on. This appears on their online platform : XX/XX/2023 XXXX XXXX : XXXX XXXX XXXX - {$77.00} Pending XX/XX/2023 Amount {$77.00} Last 4 of card XXXX Type DEFAULTCREDIT
Product: Checking or savings account

As my other claim says I was scammed into depositing XXXX checks within this account also, I managed to catch the scam before doing any more depositing and immediately contacted the bank like I said previously I'm making this claim to give more information, when I contacted Bank of America for the reason of the closure, if I was being reported to XXXX and also if I was able to make a new bank within their institution. calling the bank on various days and at various times totaling to over at least XXXX calls daily within a day to try and get correct information about the process the account was in and if I was being reported to XXXX every banker kept telling me that I wasn't being reported and another would tell me that its being reported and when I asked about being able to rebook with them each banker had different answers saying I was banned from Bank of America for XXXX Years and some saying that its permanently and even others saying that " i can try and open a new account but if it closes its due to this reason '' Once I realized the scam I took action right away and wanted to repay the bank even though I was a victim. I reported the scam to cash app and of course they denied it but I tried disputing the transactions of cash app transfers but it failed and now it's being investigated as fraud thankfully. I have been banking with Bank of America ever since I turned XXXX ( XX/XX/year> ) and I feel like they threw me in the dirt without even giving me a chance to fix my situation.
Product: Debt collection

A credit thief went to a car dealer in XXXX, Florida, impersonated me and took out a {$46000.00} XXXX XXXX under my name, financed it with JPMorgan|Chase Bank ( JPMCB Auto ) ( account # XXXX ) and is not making the monthly payments on it. I complained to XXXX  that just went through the motions and reported back that their records were correct. 
I have not set a foot in Florida for the last 10 years. I have never visited XXXX. I have no residence in Florida. Never had. I am a XXXX years old name partner in a law firm in XXXX XXXX, XXXX XXXX, and have not traveled away from the Island since participating in the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, GA, held probably 3-4 years ago. With the COVID pandemic I have not ventured out of my residence and office in XXXX XXXX in the last year. 
Please take corrective action with the XXXX  company for dereliction of their duties and further investigate the car dealers, JPMC Auto -to which I provided with all available information through XXXX- and the thief that perpetrated the fraud on my person.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024, I charged {$25000.00} to my Amazon Chase credit card. All XXXX  credit bureaus refuse to accurately submit that I pay my balance in full on all purchases. 

This is fraud that millions of customers are being wrongly scored. 

I demand, respectfully, a class action suit against all XXXX credit bureaus. 

With my XXXX service and XXXX  years of management of tens of billions of dollars every year, I promise I can prove that credit bureaus are intentionally damaging consumers and their credit ratings, for profit. 

Point : a customer that, for years, charges to their credit, but, pays the balance in full every single month, accumulating rewards, paying XXXX interest. 

I made {$250.00} dollars ( should have been {$500.00} ) in rewards, on my Amazon Chase card. The company, Chase, refused to honor the Amazon Pay charge, XXXX  % bonus, but honored the XXXX % reward. 

Please consider me a key witness, that can explain this before XXXX XXXX, and all honorable members of XXXX, to protect citizens, from rogue credit bureaus, dumpster divers, that now force citizens to pay for righting wrongs.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a letter was sent to XXXX, Equifax and XXXX to remove inaccurate personal information and any errors from my credit report and it is now XX/XX/year> which they have not removed anything the incorrect information is still currently on my credit report
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 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Credit card or prepaid card

Barclays credit card account, Barclays offers a lock card feature that disables any charges from being made to your credit card when enabled. I enabled this feature on one of my Barclays credit cards on XX/XX/2019. In May there was a fraudulent charge made against my Barclays credit card that was locked. Barclays never contacted me regarding this. On XX/XX/2019 Barclays reported my account delinquent to all 3 credit bureaus, causing my credit score to drop between 80-100 points ( depending on the bureau ). I got an email notification that my score dropped and started checking all of my accounts. I finally checked my Barclays locked credit card, thinking it couldnt be this card because it is locked. Well, it was that card. Immediately I called Barclays to find out  whats going on. The customer service representative I spoke to acknowledged their mistake. He couldnt determine how or why my card was charged while it was locked but admitted it was a security flaw on their end. He told me all fees would be reversed and I wasnt held liable for the fraudulent charge. He also issued a new card with new card number. A few days later I checked my account and the new credit card was now unlocked but the late fees remained. I locked the card, and then called Barclays again. After waiting on hold for over 30 minutes I spoke to another customer service representative who again apologized for the inconvenience, and reversed the late payment charges. I raised the concern that I would like these updates to be reflected on my credit report since their initial reporting was 100 % inaccurate and false and my credit score dropped significantly. She told me that if I have any account disputes that I needed to submit them to the credit bureaus. I feel this is wrong and I, the consumer, is the only one paying the price for Barclays mistake. Barclays clearly states in the lock card disclaimer that no charges can be made to this card without unlocking it or my approval, this includes fraudulent charges. Barclays clearly allowed a fraudulent charge against my credit card that was locked for 3 months prior. The fact that Barclays quickly reported my account delinquent/negative but would not take any steps in fixing their mistake is a problem for me. Ive worked very hard to improve my credit and credit score and I feel very wronged as a consumer when I didnt do anything to cause the negative impacts and Barclays takes no accountability to correct their mistake. I would like my credit score and my credit report to have these negative marks removed permanently, and I would like my credit score restored the what it was prior to the fraudulent negative remarks. Thank you.
Product: Mortgage

I have noticed that the Consumer Finance Protection Bureau is finally investigating illegal practices that Wells Fargo has been implementing on their customers but I have not seen any investigation into a practice that I and hundreds ( probably thousands ) of customers have also been subject to. 

Ive complained to the CFPB before about this practice that Wells Fargo has been doing for years and have not had any investigation into this practice. All that was done in the past was to send my complaint to Wells Fargo and then come back a tell me that Wells Fargo looked over my complaint and feel they have done nothing wrong. This was the extent of their investigation.

Around 20 years ago, I went to Wells Fargo for second loan on my house to clear up some outstanding debt. At this time, Wells Fargo had not yet named their program. But, I told them I needed {$25.00} thousand to  pay off credit cards and a couple of home improvements. When I went back to the bank I was told I had a home equity loan of {$100000.00}. I did not think anything of it at the time but I told my friend what had happened and her comment was : If that happened to me, Id go out and spend it! Well, I paid off that loan a year or two later. 

Ten years ago, I went to Wells Fargo again to apply for a home equity loan of {$30000.00}. I dont know if it is because I have a lot of equity in my house, but when I went back to sign the papers after my approval, I was informed that I had been given one of their Smartfit Home Equity Line of Credit loans. And, instead of the amount I had asked for, this line of credit would be for {$170000.00} and I would only have to pay the monthly interest for the first ten years of the note. I feel there are thousands of us out there that Wells Fargo had pulled the same type of bait and switch program on. And, due to the recession, being laid off from my job I ended up spending the entire {$170000.00}. Im not proud of this happening, but I think Wells Fargo knew from past experience with other customers, that if you give a customer more than they want, chances are, they will end up spending it. Ill bet there are thousands of customers like myself that have gotten into financial trouble due to this practice by Wells Fargo. I also think they named this type of loan Smartfit to make customers feels this is a good idea to sign this type of note! Another thing they did with me was to offer a .25 % reduction on the interest if I would agree to have the payments on this note automatically deducted from my checking account! When it is automatically deducted, you lose track of how much your actual interest only monthly payment is! So, for the past ten years, I ( and many more customers Im sure ) have been making a payment to Wells Fargo ( {$650.00} a month in my case ) on a loan that I will never be able to pay off! Now the 10 year life of the loan has expired and my monthly payment has gone up to {$1000.00}, putting me in a financial bind.
Product: Credit card or prepaid card

I just got a letter from wells fargo about a dispute that i have received. They told me it was me, when i was clearly out of the country for 2 months. They said the signatures matched .... I ALWAYS SIGN THE BACK OF MY CARDS ... this is also Wells fargos fault because they did not check for ID at the store. I always place a note on the back to Check for ID and also I SIGNED THE BACK OF MY CARD. that is why the signature matched ... the thief just copied my signature. I really dislike wells fargo ... That is why i never would bank with them again .... I have tried to reach out to wells Fargo multiple times but no luck getting to anyone who wants to help me. I really hope XXXX XXXX changes to a different bank ... i
Product: Credit reporting

I have applied and issued a credit card two months ago with XXXX XXXX and until now my credit score runs as " no score available ''. My old address is even still being used by Transunion and XXXX when running my credit scores. Not having a credit score is making my life a nightmare here. When calling them, each of Transunion and XXXX would tell me that the update reporting has to be done by my bank facility which I then call and am being told they had already done the reporting. I am lost in the middle.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding capital one 's failure to deposit my direct deposit from my employer and any other incoming deposits. capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}