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

I applied for a kohl 's credit card back in XX/XX/XXXX. My information was entered correctly when applying ( I use a form filling application that enters my personal information on websites ). But I was declined for the credit card because my " social security number was incorrect ''. It still resulted in a hard pull on my credit report, which I called capital one and XXXX to try to correct, and capital one stated that they would get it removed from my credit report, which I also received a letter about. This has still not been removed from my XXXX credit report as ofXX/XX/2018.
Product: Debt collection

Received two phone calls back to back this morning at XXXX XXXX  - XXXXne on my personal cell one on my NON-PUBLISHED work number This is the first communication that I have received from them - The company 's name is Starmark Financial When I called back - they were extremely condescending and wouldn't allow me to ask any questions about the debt they were referring to. 
I was transferred to a supervisor because I was " too excited '' and yelling - I never raised my voice- I was driving and on speaker phone.

I asked for them to send me the documentation and then I would discuss the debt if there was one and they refused stating they mailed it on XX/XX/XXXX. I have not received it. 

XXXX threatened - ON A RECORDED LINE - " Your employer won't be happy with you on Monday ''
Product: Debt collection

Fifth third bank has been calling my company paid for and provided cell phone for over a month using a computer. I have stayed on the line multiple times to let them know that they have the wrong number. Now they are calling with alive person. I think they are trying to collect from a XXXX XXXX. I told them I 'm not this person and that they have the wrong number. Their collectors will not identify themselves and will not tell me where they are calling from. This is a fdcpa violation. 

They keep calling even after I have told them wrong number XXXX
Product: Debt collection

My wife and I were customers of XXXX XXXX. The account was originally under my name, XXXX XXXX. In XX/XX/XXXX, my wife was hired by a school district in North Carolina. She became eligible for a discount for XXXX XXXX. In XX/XX/XXXX, we switched the account to her name, XXXX XXXX. This caused a change in accounts with XXXX. XXXX then charged a termination fee, which was then reversed. However, in XXXX XXXX, I received a letter regarding an unpaid debt from Diversified Consultants , Inc. on behalf of XXXX. I contacted XXXX, and they confirmed that my account was in good standing, with a zero balance. I sent Diversified Consultants a letter to state this. I never heard back from the company. I now received a letter dated XXXX/XXXX/XXXX from Diversified Consultants, again trying to collect on this " debt. '' All the while, I and my wife remained customers of XXXX XXXX, and have no outstanding balance or owed monies. I am being harassed by Diversified Consultants , Inc .
Product: Mortgage

Issue # 1 I started the mortgage application in XX/XX/2018 with Wells Fargo Home Mortgage. After submitting my information to the loan specialist he told me that I should only have to put 3 % down as cash to close. I explained to him that I had applied for home financing at other institutions, but I wanted to shop around to ensure I am getting the best complete pricing. The loan specialist told me about a first time home buying credit that Wells Fargo offered in the amount of {$750.00}. I told him I would be interested in the credit. During the same conversation the specialist informed me that the automated approval system would not pre approve me unless I put 5 % down instead of the 3 %. I agreed, but was still interested in the {$750.00} First Time Home Buyer Credit. The loan specialist assured me that I still qualified. I closed on XX/XX/2018 and the specialist did not inform me that I would not get the credit until a few days before closing. I asked during the underwriting process as well and he lead me to believe that the credit was still an option. I feel as though I was given the bait and switch, especially since the specialist knew I was pre approved by another institution. 

Issue # 2 During the underwriting process I was given dates that I needed to get documents submitted in order to keep my closing date. I gave the loan specialist permission to communicate with my attorney about deadlines and other things pertaining to my financing. My real estate agent began calling me stating that he was getting calls from the sellers agent and the sellers agent had knowledge of which documents were still missing and questioning when they would be turn in to receive the " clear to close. '' I called the loan specialist and asked if he was giving information to the sellers agent and he admitted that he had. My attorney also forwarded me email treads that had the sellers, sellers attorney, and the sellers agents CC 'd on with information included concerning my loan. I spoke with the agent and reminded him that he wasn't given the authority to give that information out concerning my loan and he responded that it was only general information. I advised him that he could have compromised my position in the event I needed an extension to submit documents. I also advised him that he had violated my privacy. 

Issue # 3 I closed on XX/XX/2018 which was a Tuesday. Since the Friday before I received three different truth in lending statements with tree different cash to close amounts. 

I spoke with the manager of the loan specialist I completed the application with to voice my concerns. He investigated for two weeks and listen to all of the phone calls I had with the loan specailinst and he agreed that the specialist did not inform me that I would not get the {$750.00} credit in time to seek other options. He informed me that he needed to forward his findings to Wells Fargo Customer Care ( WFCC ) and they will have the final say. I was contacted by WFCC and answered questions about my experience. After a one month investigation I received a call stating that WFCC has determined that no wrong has been done.
Product: Debt collection

M LEONARD & ASSOCIATES called me and told me that if I pay the the amount I owe they will delete it from my account but after taking that they did n't delete it. When I called them back they asked me to pay {$45.00} more so since I want to get it deleted I paid {$45.00} more
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been the victim of identity theft and have had several hard inquiries from federal credit unions that I have never heard of. I have contacted all of the creditors and they have not removed the hard inquiry from the account. I have frozen all three credit reports and placed a security alert on my account. I would like the following hard inquiries to be removed XX/XX/2021 : XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/2021 : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BK OF AMER XXXX  This account is inaccurate and incomplete and still appears on my credit report. 
No account number. 
Inaccurate Date of Last Active, and if this is a charge-off account then why there is a balance reported on this account? 

I have previously filed numerous disputes against this account, yet it still indicates that the account is not disputed.
Product: Credit card

In XXXX, I received a promotional offer from Bank of America inviting me to apply for a specific credit card. The communication strongly suggested that I was prequalified for this card. Upon completing the application process, my request was unexpectedly denied. I contend that this outcome is inconsistent with the initial implications of the offer for two primary reasons. 

Firstly, the promotional material clearly indicated that I was prequalified for the credit card. Such language typically suggests a preliminary assessment of eligibility, leading potential applicants to believe that approval is highly likely, if not guaranteed, subject to formal application procedures. 

Secondly, upon responding to the promotional offer, I duly completed and submitted a credit application, a step which I believed to be a procedural formality given the implication of prequalification. Importantly, once signed, this application constitutes a valuable instrument. It's not merely a request for credit ; it also represents a securitized agreement, engaging my personal financial information and credit history. In light of this, and according to the terms outlined in Bank of America 's indentured trustee agreement, the submission and acceptance of this valuable, securitized application should have ostensibly resulted in the approval of the credit card. This expectation is based on the understanding that my application, once accepted, holds significant value and, as such, forms part of a reciprocal agreement wherein approval of the credit card is the expected outcome. 

The incongruity between the apparent assurance of prequalification and the subsequent denial of the application is, therefore, not only unexpected but seemingly at odds with the established practices and agreements of Bank of America. A re-evaluation of my application in this context, considering the value and implications of the signed credit application, would be both reasonable and in keeping with the expectations set forth by the indentured trustee agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to Experian a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Since this account has no outstanding balance there is nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I  have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I initially contacted ARSI regarding some medical bills that were turned over to them that needed to have charity applied to them. Despite the dispute that charity is supposed to pay, ARSI took no steps as required of them by both the Fair Debt and Collection Practices Act as well as the Fair Credit Reporting Act. 

Further, I contacted ARSI on XX/XX/2019 and spoke with a representative. It was at that point that I advised ARSI that I no longer owe the bills as my husband is XXXX  XXXX  and the Soldiers and Sailors Act would prevent suit from being filed on these accounts as well as prevent the accounts from being reported to my credit bureau. 

Despite my calls to ARSIs agents. ARSI has taken no steps to comply with the law or provide an answer to the above disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why my credit percentage of use is so high. I pay my cards of every month. This is with all credit cy name is spelled wrong. 


My name should be XXXX not XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 

1 more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.

You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, I listed 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 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 Delete!! these accounts immediately or you will be held responsible for {$1000.00} per violation Send me updated credit report with the accounts permanently deleted
Product: Checking or savings account

In XXXX of XXXX  I discovered money in my checking and Savings that did not belong to me. I went to Wells Fargo, sat down with a banker I requested her to close or freeze those accounts. I ask for 2 new accounts. Instead I got 4 accounts, the first 2 accounts were not closed They ending up overdrafting my first two accounts .I requested more info, since now they are looking at me for the answers. I found out someone had mobile deposited monies in my checking and savings. This was done in New York! I have never been to New York, nor deposited any monies thru mobile banking. The back of the check has my name printed. I tried to convince them I had nothing to do with this, Wells Fargo told me I could never bank with them again, and they took my 2 Social Security checks. one for {$110.00} and one for {$630.00}. They lied and said they sent the funds back, since they closed my accounts. Not true I could not pay my bills. In XXXX  they contacted me, saying maybe the made a mistake! They sent me {$150.00} and {$500.00} more when I complained. I still never got my money for XX/XX/XXXX. I believe they gave me money because they were getting sued I knew nothing about the lawsuit, so I was cheated out of more compensation I am submitting paperwork. I will be numbered, They gave me the run around, I could never talk to the same person, in the same city. The paperwork will show this. I was treated in fairly and like a criminal. I did nothing wrong. I recently got more letters from them about Identity theft. I never had that to my knowledge. So I guess I am getting shafted again. I am XXXX, the way I was treated was so wrong. My XXXX got worse, as well as my problems with my XXXX. No-one deserves to be treated this way. They took all the money I had, I could have has my bills shut off or lost my place to live. I really pray you can help me. I don't have much, but I pay my bills. Wells Fargo judged me unfairly! There are case numbers on some of the paperwork as well.
Product: Checking or savings account

On XX/XX/22 Wells Fargo sent to me a notice informing me that they would delay the availability of the funds because THEY BELIEVED the CHECK MAY NOT BE PAID. 
Deposit date XX/XX/22 amount XXXX amount delayed XXXX which put my account XXXX in the negative. My account was placed on hold which affected my direct deposit not to mention the inconvenience. I have reached out to Wells Fargo multiple times with today being the most recent, only to be given the run around again and finally told that they couldn't process my claim.
Product: Credit reporting or other personal consumer reports

I have a secure credit card with XXXX. I used to have al my accounts with them in the past but given their poor track record and inefficiency to do basic math and wasting clients time to have us explain them simple things about balances and how payment works made me move all my other account to XXXX XXXX. So this secured credit card had a {$20.00} balance i had to pay at the end of the month. I was overseas over a family emergency and when i got back i saw my credit report had dipped by XXXX points on Transunion I wnet immediately to the closest branck getting persmission from my work to apy it off and have the account closed. The rep was kind and she explianed me i had unused miles that i can use before closing so i had payed them {$400.00} in cash while the initial amount they gave me back was XXXX on the prior request of closing the account. Now that i wanted to use my points i felt i can have the account open for another month. So the payment was made, the bankers there had the math completely wrong and i had to go back there again on my bithday from requesting another break from work to explain them what the math looked like. They agreed i was correct and had it reverted. I would like them pull the incorrect inquiry of my report immediately as i am in the process of refinancing my house and i dont apprecaite them reporting absolute garbage immediately and taking 30 days to recitfy it. I would seek CFPB to assist me providing lost wages for the time i took to resolve this in person and also the damge they caused to my credit report.
Product: Credit card

In XXXX 2016 I received Two credit cards in the mail from capital one on the same account one the primary holder and the other the additional holder with XXXX XXXX dollar credit limit. I used the card once and attempted to use it a gain and it was dishonored a fraud alert had been put on it. I looked up the account online and found out it had been restricted and I needed to call them. So I called them and verified that I had used the card and they said that the restriction would be lifted in 72 hours that was in XXXX it is now XXXX 2016 and they are still on restriction and they refuse to give me a written reason. they have collected all kind of personal id documents from me. In view of the XXXX situation I am wondering what is really going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove fraudulent inquiry as soon as possible. 

XXXX XXXX inquiry date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND REPORTED THIS FACT TO THE THREE MAJOR CREDIT BUREAUS. EXPERIAN REFUSES TO REMOVE THE INACCURATE INFORMATION FROM MY FILES.
Product: Credit reporting or other personal consumer reports

I applied for credit with XXXX XXXX XXXX in XXXX  and was denied because Transunion had a credit freeze on my report. I never placed a freeze on my report. I called Transunion and after a long time on the phone they disconnected me. I went on line to their process for removing a credit freeze and after filling in all the required information it said " unable to verify identity '' and I could not gain access to remove the freeze. I called the phone number listed for website problems and was assigned a user ID XXXX and told to email Transunion with various documents which I did. The first response was they had trouble opening the documents- likely because they were encrypted. The documents were resent in PDF format and there was no response. I asked several times if they were able to open them. After a while I received a Secure Message from Transunion that said I could remove the credit freeze on line. However, the whole point was I could not gain access to do so. Somehow Transunion sent my credit report and it says " Suppressed ''. My XXXX  who is an XXXX  wrote to Transunion 's general counsel and he never responded. I have attached the identification documents Transunion asked for originally as well as a copy of my credit report that shows it as being suppressed. I am still unable to access Transunion online. and it has refused to respond to two prior CFPB complaints filed on my behalf.
Product: Debt collection

A company I worked for had a business credit card account with XXXX Bank XXXX for 12 years. After 12 years of never reporting this information on my credit report, XXXX reported the account as a charge-off on my personal credit report in XX/XX/2015 without advising me first. I had never even opened the account. The Company paid and closed the account in full and XXXX and their collection agency indicated the information would be removed from my report or showed as Paid In Full with no derogatory information. The account now shows as paid but is reporting as derogatory still despite several calls and assurances from them this would be taken care of. I have exemplary credit besides this and it is impacting my credit. XXXX claims they have reported the information to XXXX correctly yet XXXX has not updated and will not provide any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS reported debts on my account a few years ago. I requested validation because I knew nothing about this - ARS failed to validate with me after I sent them a registered letter. I sent this information to all three  credit bureaus ( XXXX, XXXX, XXXX ) - the credit agencies removed the ARS listings. Fast forward four or so years. THE SAME listings pop up once again. once again I sent a request to ARS about these, what are they please validate. They again fail to do so. I sent this information over the the three credit agencies. XXXX deletes the listings. XXXX deletes all but one of the ars listings. XXXX deletes NONE of the listings. This is the second time they have done this, is n't it illegal to do this again after they failed to provide validation the first time? I have the receipts from the original letter to ARS that they received. I send copies to the credit reporting agencies of both the letter I sent to ARS, the tracking number and the actual USPS form showing it was received and it had been over 30 days since they received it.