23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been a victim of identity theft and as a result a utility account was opened in my name in another town, I have contacted the utility company to explain the situation I haven't heard anything back i need this issue resolved.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 an 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 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 a reasonable cause to believe that the information is inaccurate.
Product: Credit card

The account was opened fraudulently and I can not get the company to close the account. They have no phone number listed anywhere on the Internet to contact them. Their site says download their app and you can chat with them. Well I dont know the account number to be able to log into the account to chat with them. The company is called XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i never paid late insurance paid loan off also i had gap insurance through the creditor. they processed payment late. also its showing on my credit report XXXX  months late and it was a charge of that is incorrect. i have disputed this before on XXXX etc. multiple times and the creditor refuses to correct. they contacted me saying i owed on it still in 2019 when balance was paid in full creditor is in violation of u.s.c code 1681b u.s.c code 1681s-2 u.s.c code 1681 section 604a. i want late payments and incorrect information removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has posted business credit information on my personal credit report. Furthermore, American Express reports this account as charged off after entering into a repayment agreement. This account is being paid as agreed by the superceding agreement, and should not be posted as a personal debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX - I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this debt and that it is accurate and complete thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with Experian regarding inaccurate information and one of the items is a XXXX account that only Experian is reporting still. I have sent proof that XXXX removed it multiple times yet EXPERIAN claims it is valid when they do respond or 2 of my disputes still have not been responded to and it has been well over 30 days for each of them. 
I called Experian today and the rep told me to file another complaint on here and attach the document again and they will remove it. I should not have to fight 5 years to get this erroneous item removed! 5 yrs it has been on my credit and I have had XXXX for 17 yrs! never have switched phone companies. 
You are affecting my financing and because of that and all the proof I have of my complaints & your responses my attorney said it is grounds for a law suit. 
The next correspondence will be from my attorney.
Product: Mortgage

In 2020 Wells Fargo allowed me to a COVID forbearance during the pandemic. I am not working due to the nature of my job. When I called to start making regular payments when the forbearance period was ending and asked for the paused payments to be paid back at the end of the mortgage I was told the ENTIRE forbearance amount was due in a lump sum. In no way is this a relief program if I'm expected to pay it back in full. I was told verbally when requesting the forbearance I would be able to push the paused payments to the end of my loan. 

I am still not working but am making the effort to make my regular payments and Wells Fargo once again is not willing to understand special circumstances which none of us have ever been through. 

My regular payments are $ XXXX. Wells Fargo is expecting me to pay {$29000.00} when I haven't worked since XX/XX/2020. I get {$450.00} every two weeks for unemployment and that barely keeps the lights on and the groceries purchased.
Product: Debt collection

On XXXX XXXX I did a consumer credit transaction with synchrony/paypal bank. The total amount of the transaction was for {$1500.00}. A few weeks after the initial transaction, I received an email from Paypal on XX/XX/XXXX that a payment was due on the account. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. After several attempts of Synchrony bank trying to collect this alleged debt from me, I sent them two documents one being a debt validation letter and the second being a cease and desist. These documents were sent via XXXX on XX/XX/XXXX and was delivered to the company on XXXX, XXXX at XXXX XXXX and signed by someone by the name of XXXX. Today I am contacting the CFPB to get this resolved as quickly as possible, as the information on my credit report is illegal and damaging my reputation.
Product: Student loan

In XX/XX/XXXX, I tried to continue making {$100.00} payment to XXXX since I still had 2 months left on my loan extension repayment. XXXX  told me they will not give me the last 2 months. 
Then in XX/XX/XXXX, I kept receiving many calls in a day from them. I had arrangement with them to pay {$280.00} every month for 3 month. They said I had to be on a plan to that they do NOT report it to my credit report for late payment as they begin reporting at 60day past due. 
Thus, I made a plan and I send them {$280.00} on the 6th of each month. 1st payment - XX/XX/XXXX ( paid ), 2nd payment - XX/XX/XXXX ( paid ). Now I'm due for the 3rd payment on XX/XX/XXXX for {$280.00}. 

I checked my reports reports today ( XXXX, XXXX, XXXX  ) and saw that XXXX  is illegally reporting that my account are delinquent and I am not paying- Report Date is listed as XX/XX/XXXX. 
How is this late when I have continued making payments before and afterwards? 

I called them multiple times today to get them to remove the negative and illegal report. They refused to take accountability for it and not interested in correcting the error ... I spoke to a " XXXX '' called XXXX with employer ID XXXX. She told me that her XXXX named XXXX XXXX will call me in 3 days to tell me the same thing. 

If the negative remarks are not completely deleted I will file a litigation against XXXX
Product: Checking or savings account

I wanted to upload a PDF file to Santander, but there is no option for that on Santader.com website that I could find, so in order to deliver the file to Santander I am using this portal.
Product: Money transfer, virtual currency, or money service

On my crypto.com account I converted ada coins to US Dollars. I then attempted to withdraw the money and transfer it to my account at XXXX XXXX. The transfer failed repeatedly stating authentication is incompatible. 

I contacted crypto.com support and was told to open another account at a different bank. I opened another account at XXXX and the new transfer failed again stating another incompatiblity exists. 

It is clear crypto.com has a serious problem and they refuse to address and accept responsibility to fix it. I requested the money to be sent to me by mail and the account closed. They informed ne they are not able to return the funds thar way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan with Sallie Mae, it was opened in XXXX. I was paying it for 5 years, but I couldn't keep paying for all my debts because on the recession and my salary was frozen for 5 years, so I was forced to file for bankruptcy chapter 13. Sallie Mae closed my account and I didn't receive any information about it for those years under my bankruptcy. When I finished paying it last year XXXX, this account show up in my credit report under a new lender Navient. Navient didn't send me any information or anything to let me know I suppose to resume my payments, I discovered when I applied for a loan. It also shows some payments, I couldn't understand who was paying for it, at the beginning I thought it was a mistake, then I decided to complaint to the credit bureau, today I have their letter saying that in fact the account is belong to me. My complaint is why Navient don't send me any letter before starting reporting to my credit report, it's not fair, and why they add more than 10,000 to the original debt. I have to add that I'm a XXXX working for more than 10 year at inner schools and low income, helping the poorest families, and a single mother. I know there is only business, but our country is still and remains under God with liberty and justice for all, this company should start saying the pledge of allegiance, and do the right thing!
Product: Payday loan, title loan, or personal loan

I applied for a loan which was approved through their automated system. Once I applied and provided my documents they stated that my income was too low compared to the requested loan amount. When I called to ask why and what amount of income they decided to use they refused to provide that information. I feel as though they are being discriminatory and denying my the loan. My income matches what I initially requested. I would also like to apply for a lower loan amount but they couldn't tell me what amount I would be approved for.
Product: Vehicle loan or lease

After making numerous payment on time, this company still is charging me for late payments. This has affected my credit tremendously and needs to be updated as on time. In addition, I am being charged ridiculous fees. This needs to be updated as on time paid immediately.
Product: Credit card

My wife and I made purchases on a Best Buy Credit Card account. In XXXX charges were added monthly based on our carried balance for " XXXX XXXX XXXX XXXX. '' We did not knowingly purchase this service, and the total amount charge was approximately {$1500.00} over the period from XXXX XXXX, XXXX through XXXX XXXX, XXXX. We asked for a refund of these charges when we became aware of them in XXXX, but Best Buy Credit Card refused to refund these charges. We believe these charges are not proper, since we did not purchase the service knowingly. We did not realize that the charges were there until my mother-in-law reviewed the credit card statements with us.
Product: Money transfer, virtual currency, or money service

My identity was stolen. Someone opened an account in my name with Cash App. Cash app wont close account unless I provide them account number. I dont have the account number but I can provide the information that was used open the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint against XXXX, I have tried to resolve and handle this issue through XXXX, unfortunately several times I spoke with there reps, unprofessional, I was hung up on and no help I have over 54 inquiries on my credit report I want these credit inquiries removed I have filed a FTC Identity theft report about this issue I am not going to list all these inquiries because I found them in my credit report and I want them removed and i am disputing them as fraud, but do not place a fraud alert as I have a credit lock I will be using, I will take screen shots off my credit report of the inquiries, I do not recognize these inquiries at all, XXXX  needs to have better customer service in place where people know consumer law, anything I dont recognize on my credit report, i want these removed I have filed numerous complaints and XXXX  is ignoring to anything I even have monitoring and fraud resolution specialist but Im ignored about that, I want this resolved or I will keep filing complaints until this is resolved and these inquiries might be one or more if the same, I counted 54 inquiries I want removed off my report I did not ask for these inquiries and I would like them removed and my report corrected .thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( Section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I want to preface this by saying this is by far the worst and most horrible customer service I have ever recieved in my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My house was damaged by rain and so I filed a claim with XXXX to fix my house and went to deposit at Chase. The check was cleared. Few days later my account was suspended and then closed. This was because there was no endorsement from my old lien holder that we paid off. We asked them to send the check back to the checkmaker but they refused due some policy that is made up. They said the insurance company would have to file a claim and pry it from their hands. 

XX/XX/24 : After being incredibly upset and trying to contact Chase to solve the issue everyday with them the past two weeks, going to the bank, calling the XXXX number. We then send a complaint to the OCC. They finally started to give us " help '' by giving us a point of contact. XXXX from Chase Executive Office. He said the same thing as the beginning, file a claim and take it from us through legal force. 

XX/XX/24 : After two week of " reviewing '' the case, he sent me a letter that officially states that XXXX would have to request it back. I sent it to my insurance company and they sent a fax to Chase. 

XX/XX/24 : Our point of contact XXXX, who has called us twice and we had to called their office over 17 times to reach in the past 3 weeks, is no longer our point of contact and we were given a new one. They have recieved the fax from XXXX requesting the money back when I called around XX/XX/24. I don't speak English well so I asked my nephew to help me out. They won't talk to my nephew even though I am sitting right next to him and speaking and giving consent. They seem to want to prey on an old man by speaking with only me who doesn't understand all this banking stuff well. They have said they will " look into it and call us back '' serveral times now. There is no one other than the point of contact to speak to so I am completely at their mercy if they want to solve our issue or not. There is absolutely no one that keeps them accountable. All while our house is still uninhabitable from the rain. This is by far the worst customer service I have ever recieved in my life. They talk very " nice and proper '' but all of it means, we will fix your problem if we want to and when we want to. All I want to my house fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent off a dispute to Transunion to correct my personal information. I put an initial fraud alert on my credit report because I was so concerned with the personal information that was on my credit report. I sent in proper identification of my legal name and a list of addresses that I only known to be associated with and Transunion failed to fix and update that information. They also failed to give me a reason of why they refused to update my personal information. I am really concerned about my credit and am currently investigating the accuracy of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a phone bill from XXXX and I never done business with XXXX.
Product: Bank account or service

My company XXXX. Received a XXXX check from our customer in the XXXX. The monies were frozen because the loss prevention dept did no like it and was suspicious. Wells. Fargo tried to return the funds XXXX times but the buyer ( sender ) bank refused it. We put pressure on Wells and so they called in the FBI for support. As a result, the funds are still there. The buyer will always refuse the funds. And Wells is keeping the money. My question is. Can they hold funds forever. We asked them to return it if they can. The sender will hand deliver the fund if he has to. Sincerely. XXXX
Product: Debt collection

Please be advised, to my knowledge and recollection, I do not have any type of direct or indirect business relationship from which goods and or services were exchanged with your company. I have never conducted business transactions or signed any contract and or agreements with your company. I have never initiated or agreed to pay any amount associated with such an account created by your company from which any debt is owed and therefore dispute any debt you say I owe your company. 

On XX/XX/XXXX XXXX XXXX XXXX called my cell phone without my prior consent. The employee failed to state that he was a debt collector, along with the additional disclosure required by law. The employee explained that the account was sold to XXXX by Exeter Finance in regards to a XXXX XXXX XXXX. I told the employee that I didnt have a XXXX XXXX XXXX. I requested the contact information for the finance company and the call ended after I received that information. 

On XX/XX/XXXX, XXXX called me again, this time at XXXXXXXX XXXX by an employee named XXXX XXXX. XXXX XXXX did not make the proper disclosures as required by law. I explained to XXXX XXXX that he was calling me at an inconvenient time and he replied that it wasnt against the law for him to call me at XXXX in the morning. I became very upset at his tone and XXXX XXXX raised his voice and told me that my account with Exeter Finance was not going away! I tried to explain to him that I didnt have an account with Exeter Finance XXXX XXXX XXXX then stated that XXXX called me the previous week about this debt. I informed XXXX XXXX that XXXX didnt have permission to call me last week and they didnt have permission to call me that morning and the call ended. My heart was racing and I was very upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$2.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was first sued 9 years ago by a credit card company. I was sued again this year and never got the supenoa. My checking account is now frozen. The money that is frozen is not mine but my husband 's direct deposit paycheck. The account is a joint account. I do not have a job. I am XXXX but not receiving benefits yet. I called the debt collectors attorney but they refuse to tell me anything. They are holding all the money and we have none for food for us and our XXXX XXXX XXXX daughter or rent or for gas for my husband to go to work.
Product: Debt collection

CCS collections.

I havent received any mail from them, stating a collection.

They have a {$230.00} charge for insurance.

And they have a {$99.00} charge on my credit reports.

This company is shady!

I have already had 2 items removed off my credit report. Need to provide proof that they were deleted and not trying to collect on them Cant find account # s for these charges. Its kind of hard to verify or validate. So please validate and verify it. Also my signature where i signed a contract with this company. It should be removed. I paid my insurance that i used. Or i wasnt covered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that XXXX has removed my XXXX  XXXX bankruptcy from my report. The bankruptcy was filed on XX/XX/XXXX. XXXX website states it will remain on my file for up to 10 years. This is a federal Bankruptcy so I would think the credit bureaus would be required to be consistent in reporting information. They told me it will remain in my report until XX/XX/XXXX. I have excellent credit since the bankruptcy so one would think they would take this into consideration when saying it will be on the report for up to ten years.