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

I am submitting this complaint regarding ongoing collection attempts and inaccurate credit reporting by NCB Management Services , Inc. related to a debt that has been charged off by XXXX XXXX. 

On my credit report, the account in question is marked as " Closed, Paid Profit and Loss, Purchased by another lender, '' indicating that the debt has been charged off as bad debt by the original creditor. Despite this, NCB Management Services continues to pursue collection and report this account negatively to the credit bureaus, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have no contractual agreement with NCB Management Services, as they were not the original creditor. The original contract with XXXX XXXX was terminated when the debt was charged off. NCB 's continued collection efforts and reporting of this account as an active debt are inaccurate and harmful to my credit profile. I have contacted NCB Management Services to resolve this issue, but they have refused to cease their collection attempts or remove the account from my credit report.

I am requesting that NCB Management Services be required to cease all collection efforts, remove the inaccurate reporting from my credit file, and validate the debt in compliance with federal law.
Product: Mortgage

After six weeks the company Ditech has refused to send the title on my property. I'm unable to close on the sale of the home and am being given the runaround. This incident involving Ditech is not isolated. Ditech had refused to release the title on a previous property that I owned for several months. All debts have been paid to Ditech in full. I was further told that it could take at least six additional weeks when or if Ditech does send a title.
Product: Credit card or prepaid card

Wells Fargo is allowing a merchant and their employees to rob me of {$3600.00}. I liquidated some of my IRA to pay off the fraudulent transaction in an attempt to prevent further damage to my perfect credit. 

On top of that wells fargo is trying to profit on the interest earned during the 1 year period I have been fighting this fraudulent charge. Any gap in fighting this transaction with wells is due to their complete inability to be of any help or at a minimum provide some type of customer service. During any " gap '' in me fighting this I have been reaching out to the merchant, XXXX police ( who told me this is Wells issue and did nothing ), XXXX XXXX XXXX XXXX, the FTC, and the CFPB. 

This is causing serious harm to my credit score, caused harm to my retirement accounts, and is causing me general financial harm. I have provided a recount and explanation of the scam, an example of forgery of my signature on a receipt provided by merchant, proof of my time at merchant, examples of XXXX reviews of the merchant where pricing matches what I am stating in my explanation of fraud, examples of XXXX customer reviews where other customers complain of being scammed in a similar way. Yet wells claims I have not provided any information to dispute the transaction. They claim they cant help me because I signed the double charge receipt. THAT WAS THE SCAM. I was in a VIP room and being told I still owed for the time I agreed to because the bank came back and blocked the transaction. I was told I should have a text saying the transactions were blocked and I need to accept them. I did so naively I fell for it. What was I supposed to do? Fight my way out of the club? 

The merchant is flat out robbing me and all wells needs to do is reverse the transaction to protect my finances and credit. This is their responsibility as a lender. 

I have been a customer for over 10 years. In that time I have hed multiple credit cards, a line of credit, and accounts all used perfectly. 

I refuse to be victimized by this XXXX merchant and your XXXX bank. I will dispute this transaction daily until Im given justice.
Product: Credit reporting or other personal consumer reports

After reviewing my recent credit report, I noticed that I have multiple fraudulent collects on my credit report. The fraudulent collections have been reported on my FTC report. The collections have impacted my credit score negatively. I have no knowledge of the fraudulent accounts. Please remove the accounts from my credit profile as they are negatively effecting my report and my ability to obtain new credit
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts to rectify this matter, the fraudulent items remain on my credit report, adversely affecting my creditworthiness and financial standing. 

The continued presence of these fraudulent items on my credit report has caused significant hardship, including denial of credit opportunities and undue financial burden. I am deeply frustrated by the lack of progress and the failure of the credit reporting agencies to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). 

I urge that you to intervene on my behalf and ensure that the credit reporting agencies promptly remove these fraudulent items from my credit report. Additionally, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' negligence in addressing this issue. With this, I am asking for your assistance to remove these fraud items in my credit file : 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
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX who took over my mortgage from PHH Mortgage is trying to extort money from me {$360.00} for insurance coverage ( XXXX ) even though I have insurance with the same company, XXXX XXXX on the property from XXXX. I have it with the same insurance company. This is double coverage which is not needed. I provided them proof! No one answers the phone-its a recording m! 

Ever since XXXX took over they have been committing FRAUD!!!
Product: Checking or savings account

On XX/XX/XXXX I opened up a Chase Checking and Deposit accounts in XXXX XXXX XXXX. On XX/XX/XXXX I changed all my automatic payments to Chase checking Account and transferred {$91000.00} from my XXXXXXXX XXXX account to Chase Account via mobile deposit of my personal checks written to me and endorsed by me. When the funds were still not available two days later I made numerous phone calls all informing me that my money would be tied " On Hold '' status until XX/XX/XXXX. I called XXXX and they confirmed that the money is out of there system and is sitting on Chase account pool. I had no access to bulk of my money neither from my previous bank nor the current bank. My numerous appeals and attempts fell onto deaf ears including the XXXX XXXXXXXX XXXX  Manager, his assistant XXXX XXXX. He told me I should send him a screenshot of my bank account along with check images, which I did, TWICE. Nothing happened. I now missed my chance to put my money in Treasury Bills to bring me at least a little bit income. I am retired and I am trying to the best with my money. To no avail .... 

Moreover, I wanted to transfer some securities to JP Morgan Chase. When I called and told them I needed help with the transfer because the forms were to detailed and I did not want to make any mistakes. The first two questions were " Is it self-directed? '' " How much are you going to bring over? I told them yes it was going to be self directed and asked them if XXXX XXXX XXXX was enough for them to agree to help me. The answer was " In that case, I can direct you to someone who can walk you through the form ''. This royal highness was apparently too good to help me to complete the process. 

I am more than appalled about the the behavior of the staff and the bank 's pompous behavior towards the citizens. I want to be compensated for their use of my money for 10 days plus penalties to put me through such anxiety and dispear. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still 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 is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Financial is engaged in shady and unscrupulous business practices, defrauding vulnerable individuals of thousands of dollars, including me. I opened an account in 2021 and faithfully paid XXXX  each month until I reached a secured card balance of XXXX. During a questionable " review process '' my account was disabled and until I furnished all of the above, it would not be reactivated : photos of my social security card, driver 's license, debit card, paystub showing my SSN, and bank statements showing all of my transactions, not only those related to Self Financial. It is a complete violation of my privacy and absurd, considering none of these documents were required when I opened my account. I can only guess the nefarious activities behind the reasons they delay paying consumers THEIR OWN MONEY back. 

AVOID AT ALL COSTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To, Consumer Financial Protection Bureau ( CFPB ) I have been on Forbearance due to Covid 19 Financial Hardship since XX/XX/XXXX. I have recently signed with XXXX XXXX a Partial Claim option to go current with my monthly payments and resume making regular payments from XX/XX/XXXX. 

However, I have been informed by my Credit Bureau that XXXX XXXX has reported that I am late with my monthly payments by 30 days which has reduced my overall credit scores by XXXX points. I had a very excellent payment history that got messed up by XXXX, I have attached a letter that confirms that I should be starting making payments from XX/XX/XXXX onwards not sure why they reported to Credit Bureaus. I have filed a dispute with XXXX and XXXX, however today I have been informed by XXXX that they can not do anything which I have attached, then I called back XXXX and they are giving me hope again but I am unable to trust such false promises anymore and can not continue being swung between my mortgage servicer and the credit bureau. 

Please help, this is against Cares Act, Mortgage Servicers were not supposed to report to credit bureaus to those consumers that are affected by Covid-19 Financial Hardship, and here I want to resume making payments and they are treating me like this. Please refer to my supporting documents.
Product: Vehicle loan or lease

My car payment is {$610.00} I have paid a total of 7 payments, All of which are paid prior to the due date. Not only have I not be given ANY CREDIT AT ALL for the {$4300.00} that ive paid. This morning they reported to XXXX  that my total loan amount just increased by {$420.00}??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my XXXX  credit report that I would like to have removed due to fraudulent activity. The date on the inquiry is XXXX.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I WENT TO THE AUHORITIES TO REPORT THE FRAUD I WAS TOLD MY AN OFFICER THAN I WILL NEED TO CONTACT THE COMPANY AND THE CREDIT REPORTING BUREAU TO MAKE THEM AWARE OF THIS. I PROVIDED THEM WITH THE REPORT AND EVERYTHING THEY ASKED ME TO SEND AND THEY ARE REFUSING TO REMOVE THE ACCOUNTS ON MY CREDIT FILE. I REQUESTED ALL CONTRACTS AND INFORMATION RELATED TO THE ACCOUNTS AND LOAN TO BE SENT TO ME I HAVE YET TO RECEIVE ANYTHING. There is an auto loan reporting twice at two different amounts I'm unsure but I will list them below. 

I AM REQUESTING THAT THESE ACCOUNTS listed BELOW BE REMOVED FROM MY CREDIT FILE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$16.00}, XXXX past due as of XXXX XXXX. 
{$25000.00} OVERVIEW Highest balance {$25000.00} Opened XX/XX/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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1861 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 hem of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16816-2 ( A ) ( a ) A person shail not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to information is inaccurate. 

Delete these hard inquiries accounts below 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, credit repair services, or other personal consumer reports

Ive sent multiple letters previously to the 3 credit bureaus in regards to the false reporting and fraud accounts that are posting on my credit report and I have tried to speak with these reporting agencies, over the phone as well as via Mail. And I have not yet received an update on investigation from either. The following accounts need to be investigated and removed from my credit report XXXX : # XXXX : FRAUD / ID THEFT XXXX XXXX : # XXXX : FRAUD / ID THEFT XXXX XXXX : FRAUD XXXX XXXX XXXX XXXX : # XXXX Incorrect Reporting VALIDATE DEBT XXXX  : # XXXX FRAUD : ID THEFT XXXX : # XXXX : FRAUD : ID THEFT XXXXXXXX XXXX : # XXXX : FRAUD : IDTHEFT XXXX XXXX : XXXX : FRAUD : IDTHEFT : NEVER HAD ACC
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is deliberately lowering my credit score for no reason except to keep me from obtaining credit products and I actually have proof I am trying to build my credit score and its actually going up until recently Equifax lowered my score XXXX  points one day next day they lowered it XXXX points as soon as my score reached XXXX boom they hit me with a total loss of XXXX points in total and for no reason all of my credit cards are paid on time never been late my utilization is 49 percent and going down but yet they absolutely refuse to let my credit score rise by deliberately lowering it without giving me a reason thats one huge complaint second yes I have a few old debt accounts but yet there past my states statue of limitations ohio recently passed a revised bill that makes accounts XXXX XXXX XXXX not collectible and 4 years on no contract binding accounts so I disputed them thinking Equifax would follow the law but no there not so I have 2 big complaints against Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for a loan with my then wife for an auto loan. Fully realizing my involvement should such loan be in jeopardy of default. 
The loan company ( Exeter Finance ) has my personal information, inclusive of my phone number for contact purposes. After our separation, I kept Exerter Finance current with my personal information, ( of which my contact phone number has not changed, ever, even today remains the same. 
The loan was 30 days late twice, but Exerter Finance, failed to contact me so I could exercise my obligation and satisfy the lingering debt. Subsequently they have my credit file notated of a 30 day late payment without any personal notice. 
Ive contacted Exeter Finance to amend my credit report as I was not notified of my obligation either in writing or by phone. 
Exeter Finance representatives upon reviewing the file confirmed that my current phone number was the same as on the initial loan paperwork.
Product: Money transfer, virtual currency, or money service

I was sending XXXX to " XXXX XXXX '' for " electricity '' then my phone died before I got confirmation that the transaction was completed. When my phone was charged and I checked the history, it said I have send the money to XXXX XXXX and for " work ''. After that I checked my email for the cash app receipts of that transaction, and combing through all mail that was never received, the email from cash app that I've sent it to XXXX XXXX. So I changed my pin, changed my password, block the person, request for refund, and contacted support. Gave them the whole explanation of I never sent money to XXXX and its impossible for me to mistaken when cash app will warn me about sending to someone outside of my phone book, and be incoherent where I would send money to strangers.i would like to know what caused this issue so I can decide for myself if cash app is secure enough for me to rely upon. Also to get my XXXX back. Reference to cash app case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE UNAUTHORIZED INQUIRIES IN MY REPORT XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XX/XX/XXXX THESE ARE INCORRECTLY REPORTED ACCOUNTS IN MY REPORT XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX SERVICE XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was reported 15 days late, even though I made the payment on time, and this is documented in my bank statements. 
There were clerical errors where my account was inaccurately flagged as overdue, but I provided evidence that no late payment was made, as shown in the attached payment confirmations. 
The inconsistency of payment dates across credit bureaus further demonstrates the inaccuracy and improper reporting of this account status. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed inaccurate accounts and accounts that did not belong to me with experian exquifax and transunion they refused to make it right now my employment is being hindered
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022, I have sent Equifax letters advising that they are reporting incorrect personal information on my credit file. I have advised them that my employer is XXXX, my address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. They reported back on XX/XX/2022 that this is incorrect information after I sent copies of my utility bill, drivers license and social security card. I have asked them on both occasions to please update my information. The request from me was sent certified mail via XXXX on XX/XX/2022 and received by them on XX/XX/2022 at XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX XXXX stole my identity according to USC 15 1681 they release XXXX inquiries without consumer permission to a obvious third party it has reflected on consumer credit score and personal and private identity information. Three agencies above mentioned has an elaborate mechanism and vital to consumers personal identity identification. Consumer protection of identity has been compromised and sold to third party by all three agencies. Consumer was not included in the profit made by agencies. Agencies above mentioned has no regards of the laws that govern the consumer.
Product: Debt collection

I contacted this company today, XX/XX/year>, to set up a payment arrangement. The first person I spoke with, XXXX, was eating while talking to me and was unprofessional. She gave me the address, phone number, and account number without telling me what it was for. I asked her if I could set up a payment arrangement and have the payments automatically withdrawn from my bank account instead of mailing payments in and she said no. She also said if I mail in the payments for any amount other than the balance in full then they would not be accepted. I asked to speak to a XXXX and she refused to transfer me. I asked to be able to speak without being interrupted and she immediately interrupted me and put me on hold, which seemed very intentional. I took a few moments to gather myself after this extremely upsetting interaction and called back and requested a XXXX. I was transferred to XXXX XXXX who seemed nice at first. As soon as I said I want to set up a payment plan, a switch was flipped and he became extremely abusive. He yelled at me and said XXXX a debtor, pay your bills! and hung up on me. I feel extremely bullied by this company. I previously filed a CFPB complaint for this same issue and was offered a payment arrangement after that complaint and even after attempting to explain that to XXXX and XXXX XXXX ( XXXX sure those are aliases ) they did not seem to care. I will also be seeking legal counsel regarding this company because the way they speak to other human beings is unacceptable.