23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I went and bought a motorcycle from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) Motorcycle was bought on XXXX XX/XX/2021 for {$14000.00} and we paid down {$4100.00} and financed XXXX with XXXX XXXX XXXX. XXXX was done through dealership. Today i have received a Yamaha credit card in my mail that i never applied for, as per Yamaha we applied it at dealership. I am very financially aware person and don't apply for credit cards anywhere besides my bank, and why would i need a Yamaha credit card. Me and my husband went to buy this motorcycle and not a single time we applied for any credit card or they even mentioned anything that we'll be getting any credit card too. I believe dealership gets paid for getting credit cards and they are doing to people without even their knowledge. My credit has gone down some points because of this and it will go down even further when i will close my account now. Never have i received any credit card without applying ever in my life. i didn't even buy Yamaha motorcycle, this is pure fraud done by dealership and Yamaha Financial services. We are financially well off and are not one of the customers that will be ok with getting new credit card and start using it. Please help me with this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for unlawfully reinserting a previously deleted account into my credit report without proper notice or verification, in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXXXXXX XXXX XXXX XXXX ), originally reported in XX/XX/XXXX and deleted in XX/XX/XXXX. Upon reviewing my most recent credit report, I discovered that the account was reinserted without my knowledge or consent. I did not receive the required written notice within five business days, nor has TransUnion provided any verifiable evidence from the furnishers to justify the reinsertion. This constitutes violations of the FCRA under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) for failure to notify, 1681i ( a ) ( 5 ) ( C ) for failure to obtain and provide verifiable evidence, and 1681e ( b ) for failure to ensure maximum possible accuracy. I am requesting the immediate deletion of this unlawfully reinserted account, copies of any documentation used to justify their return, written confirmation of its removal, and an updated copy of my corrected credit report. Additionally, I seek damages for TransUnions willful and negligent noncompliance with the FCRA. I urge the CFB to investigate this matter and take appropriate enforcement action against TransUnion for these violations of my consumer rights.
Product: Debt collection

My account was turned over to this collection agency on XX/XX/year> for {$280.00} before reaching out to me when all of my forwarding information was provided and I've not been late on my rent after 9yrs with this apartment complex. As soon I received a notice from the collection agency it was paid, I was baffled why the apartment complex didn't reach out to me, but oh well I just paid it. I reached out to the 3 credit reporting agencies and the said I must go through the collection agency, I had given up, but I, m not comfortable with that. I hadn't realized at that time that a collection status was on my credit report, This collection agency stated that they never remove a collection status from a report and that it will remain for 7 yrs, however I find to except when I did all the things correct as a tenant exiting a property and now I pay the price with a flag on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy. 
( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance if the validation of debt request isnt completed.
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$280.00} XXXX XXXX XXXX XXXXXXXX {$130.00} XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX TX - XXXX {$1300.00} 1 XXXX  - XXXX XXXX  - XXXX {$24000.00} XXXX XXXX - XXXX {$5.00}
Product: Mortgage

PNC has Foreclosed on a property that was PROTECTED by an Automatic Stay that was in Force. This was done while a State Court Proceeding was pending AND A Federal Proceeding was pending. PNC has committed a WILLFUL VIOLATION OF THE AUTOMATIC STAY and the Sale should be set aside as being ILLEGAL. My Loan Modification was pending ... ... ..before a response was given The foreclosure Took place. I need Legal Help in fighting this bank from Illegally taking my Home.
Product: Debt collection

I saw a debt collection appear on my credit report this week. This was for a debt that I had already settled with the original utility company, XXXX. This was done when I moved away, returned equipment, paid final bill. The final amount was only {$180.00}. This was in the early summer of XXXX. There was no further communication, as there was no need. 
Almost two years later the company named, Waypoint Resource Group, reported to all credit bureaus that I held a valid debt. I have never been notified, received anything in writing in paper or email, to validate the accuracy of this debt. 
On XX/XX/XXXX I contacted XXXX to see what happened on their end. Since I used to pay for two different accounts ( my parents & mine ), they messed up on not accurately reported mine as not settled, I can only guess. Either way, I paid it once more. They said they would remove the debt from the collection company, Waypoint. 
On XX/XX/XXXX I contacted Waypoint Resource Group. I asked that they not only close this with the proof of the settled debt, but that they remove the entire report from my credit. I know that only the reporting agency can do such actions. Since they never validated the debt, how could they just report unverified info that can hurt someone's finances. I was hung up three times while trying to speak with an agent at Waypoint. They were extremely rude. They said they tried to contact me 74 times. I like anyone these days have a scam-blocking service by XXXX  on my phone. That service only blocks calls from unfavorable, companies with negative XXXX reports and such that one would earn from scam calling ... After trying to speak with them, I can believe that I am not the only one with a complaint about Waypoint. 
So I ask that you, the CFPB assist me in dealing with this awful financial resource group.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian more than a month ago, regarding a XXXX account that has incorrect information attached to it. I have not had a XXXX account since XXXX, when I refinanced my student loans with XXXX. Experian continues to report derogitory account on my credit report and has the following information : Status Discharged through Bankruptcy Chapter XXXX Completed investigation of FCRA dispute - consumer disagrees. 
Account closed due to refinance. 

I spoke to XXXX and was referred to the consumer advocacy group, speaking to a Supervisor, XXXX. He indicated that no information had been sent to the credit bureau within the last year and that the only information he can see was sent in XX/XX/XXXX or XX/XX/XXXX.  He indicated that he would be doing an investigation into the reporting of that information. He and I agreed that no such discharge of my debt had occurred and that it should not have been reported. 

Experian has been reporting false information in my consumer credit file for more than a year and refuses to correct it. I have also asked for the process that Experian used to verify this account as well as the bankruptcy account, and most of the other accounts in my credit file. I requested that the information be provided to me within 15 days and today, 7XX/XX/XXXX it has been 17 days and there has been no information coming from them. When they do complete and investigation, most times I am not allowed to view it online. 

The credit Bureaus in this country have a enormous amount of influence on the lives of the citizens. When one or more of the reporting bureaus fails to honor that responsibility, it can have devistating consequences for the person who is reported falsely to creditors, employers and mortgage lenders. This is what has happened to me, as I am in the process of trying to obtain loans to pay for a business I am buying and the Small Business Administration uses Experian exclusively, I was disapproved. 

I have employed XXXX XXXX to try and help me get some of this straightened out and they have had some luck with XXXX XXXX and XXXX, but very little success in dealings with Experian. As I understand the rukles as they apply to Experian, they are not there to punish people by reporting outdated or in my case, completely false information, ( ie ), XXXX was discharged through Bankruptcy Chapter XXXX. Everyone knows it is almost impossible to get student loans discharged through bankruptcy. Experian has taken an account that never had a late or missed payment to it, that was completely paid off and turned it into a derogitory account which affects almost everything in my life.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I was alerted by XXXX XXXX XXXX XXXX XXXXXXXX XXXX  that a mortgage in forbearance was on my credit report that was pulled in our home refinance process for a home I shared with my new spouse in XXXX, XXXX. I was asked by a home preservation specialist there to agree to sign for a special loan made to cover payments not made by the property owner. I refused to commit to a new loan and showed them the quit claim deed dated XX/XX/XXXX, and the separation agreement signed by XXXX XXXX and myself on XX/XX/XXXX, that is of record in XXXX XXXX XXXX  where my former spouse agreed to take on the house mortgage since he wanted to keep the home and I was moving to XXXX. When I later moved back to XXXX  with my new spouse and purchased a different home, the loan did show as still on my credit report, but once I showed them that same paperwork, they determined to disregard it. I did not hear from XXXX XXXX again on the issue until this XXXX of this year ( XXXX ) when I received notices from the bank 's law firm that the house had gone into foreclosure. The owner ( XXXX XXXX ) had been taken into and currently remains in police custody on an unrelated matter as of XX/XX/XXXX as well. I presented this paperwork to contest the XXXX XXXX XXXX appearing on my credit report to XXXX and Equifax and I received a notice from Equifax dated XX/XX/XXXX stating : " We have researched the credit account. Account # - XXXX The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX. '' Then I received an electronic statement today ( XX/XX/XXXX ) that states the information has not been removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I wrote a certified letter to XXXX XXXX for verification of the account because I have identity theft issues, and XXXX XXXX never addressed the issue with a proper investigation. Identitfytheft.com complaint has been filed because my information was breached during XXXX XXXX XXXX and someone did use my information but I'm not able to track down who did.
Product: Debt collection

Contract Callers Inc is listed on my credit report. There has been no verification provided to show that I had or have any liable obligations to make payments to Contract Callers Inc for any type of services. They are collection a debt which I have no debt that is owed to their company and they have not provided me with any information or verification showing that I owe this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XX/XX/year> Financial Assitance Inc XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX Subject : Dispute of Fraudulent Account Under the Fair Credit Reporting Act Dear Financial Assistance Inc, I am writing to formally dispute a fraudulent charge on my credit report under the Fair Credit Reporting Act ( FCRA ). This dispute concerns a {$7000.00} charge from Financial Assistance Inc, which appears on my credit account. I did not authorize this charge, nor have I had any dealings with this company. 

I first became aware of this fraudulent activity when I reviewed my credit report on XX/XX/year>. As per my rights under the FCRA, I am requesting that this charge be investigated and removed from my credit report immediately. 
To assist with your investigation, I have included the following : 1. A copy of my credit report highlighting the disputed charge.

2. A copy of my government-issued ID for identity verification. 

Please conduct a thorough investigation into this matter and provide me with the results in writing. If the investigation confirms that this charge is fraudulent, I request that you update my credit report to reflect the removal of this erroneous charge and send me an updated copy of my credit report. 

I am also requesting the name and contact information of the creditor or business that reported this charge to your bureau, as well as a copy of any documentation they provided to verify this account. 

In accordance with the FCRA, I expect your investigation to be completed within 30 days. Please confirm receipt of this dispute and notify me if you require any additional information to proceed. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue quickly. 

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX  XXXX  | XX/XX/XXXX : Account number : N/A, Biased. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



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

In XX/XX/XXXX I financed my home with a USDA rural housing loan for {$100000.00}. XX/XX/XXXX I put my home up for sale at XXXX XXXX XXXX XXXX, PA XXXX with XXXX XXXX XXXX due to employment need. The home could not sell and foreclosed XX/XX/XXXX {$2400.00} to the XXXX Bank whom was serving the loan at that time. On XX/XX/XXXX the Bank sold said home at auction for XXXX and the consumer later sold the home to its current owner for {$110000.00}. In XX/XX/XXXX I was notified by XXXX XXXX that the USDA insurance coverage satisfied the balance roughly {$33000.00} which was in line with my loan type. The account was reporting as early as XXXX on all major XXXX credit reports as {$0.00} balance. However I discover XXXX Bank started reporting the mortgage again for the loan amount of {$100000.00} as if they never received payment. I called XXXX at XXXX on XX/XX/XXXX and spoke with XXXX representative in TX who informed me that is was I still owe and that she had no record of sale and or money received from USDA funding which guaranteed the loan. And because of that they had a right to report the balance as unpaid. The loan # is XXXX. She say the property is currently bank owed, a completely false statement. Public record shows this property was sold at auction! And Federal Money paid the remaining balance. This bank is in violation of FCRA and Fair Debt Collection Acts. This misinformation is impacting my debt to income for a new loan. Also the are trying to collect money for a loan that was satisfied.
Product: Credit card or prepaid card

In XX/XX/XXXX BBVA sent me a threatening letter asking for my attorney information and that they were ceasing communication with me. When I called to ask why this letter was sent and why they needed my attorney they could not find time to answer that question. The previous month and previous CFBP complaints they acknowledged and credited back late fees they erroneously had charged me based on their customer service. Since then I have received multiple letters with no additional insight and most recently they decided to lower my credit limit and/or close the card based on unclear/loose reasoning that appears to be targeting me since I questioned their process and filed with you, the CFBP. Today, XX/XX/2020 they received my payment for XX/XX/XXXX that did have a due date of XX/XX/2020, without any grace period to receive the payment they charged {$39.00} late fee on XX/XX/2020. Again, they seem to be quick to charge and quick to provide poor service are red line target the clients they want to have on their books.
Product: Credit card

I am writing to formally file a complaint regarding Wells Fargo 's mishandling and denial of my fraud claim for {$590.00} on my credit card ending in XXXX. Despite following all necessary procedures and providing requested documentation, my claim remains unresolved, leaving me responsible for fraudulent charges. I believe this decision violates the Federal Credit Billing Act ( XXXX ) and Wells Fargo 's stated policies for resolving unauthorized charges. 

Key Facts of the Incident XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) : I was alerted to XXXX unauthorized charges of {$99.00} each ( {$590.00} total ) from " XXXX XXXX XXXX. '' I immediately reported the activity, and Wells Fargo closed my account and issued a new credit card. 
Account Balance Transfer ( XX/XX/XXXX ) : A balance of {$700.00} was transferred to my new account, including {$100.00} of legitimate charges and the {$590.00} in disputed fraudulent charges. 
I was assured the fraudulent amount would remain until reviewed by the Claims and Recovery team. 
Claims Process Delays : On XX/XX/XXXX, I received a letter requesting additional information, which I faxed to Wells Fargo on XX/XX/XXXX. 
I followed up multiple times ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ), but each call resulted in being passed between departments with no resolution. 
Denial and Confusion : On XX/XX/XXXX, I was informed that the claim was denied because Wells Fargo stated the disputed amount was refunded via " cash advance '' to me, which is incorrect. 
I have never used my credit card for a cash advance, and no such refund appears in my accounts or statements that I have visibility to. I didn't receive the cash. 
Ongoing Frustration : Wells Fargo bankers I consulted in person on XXXX and XX/XX/XXXX suspected a transactional error, where the alleged refund was applied to my old account. 
Despite assurances from Wells Fargo representatives ( including case number XXXX ) that the claim was resolved " in my favor, '' I have yet to receive the {$590.00} refund. 
Impact on Me : I have been charged interest on the fraudulent amount, which I left unpaid based on assurances it would be resolved. 
My credit score has been negatively affected due to this unresolved balance. 
This has caused significant stress and frustration, as I have spent hours attempting to resolve this issue with no clear resolution. 
Desired Outcome : Refund the {$590.00} fraudulent amount to my account immediately. 
Waive all interest and fees associated with this balance. 
Investigate and correct any errors in Wells Fargo 's processes to ensure proper handling of fraud claims. 
Provide a clear and comprehensive explanation of how Wells Fargo will prevent such errors in the future.
Product: Payday loan, title loan, personal loan, or advance loan

My information was sold and bought illegally because I was A victim of the Equifax data breach. I want these items deleted from My credit reports effective immediately. I am attaching proof that Equifax Has admitted that I was in fact a victim of this data breach and Equifax Has done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was harassed by some men from the XXXX XXXX region. They knew my family was on vacation and they said they were going to kill me and hurt my family first and they forced the paperwork to get the account to pay a lot of money to them somehow.