23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I recently purchased two money orders that I could not use. The place ( XXXX XXXX XXXX ) I purchased them from said they couldnt help me with exchanging or refunding them, but to try to deposit them into my bank. These money orders were originally intended to pay off a loan to XXXX XXXX. So I knew this would be a longshot. However, I tried to deposit them still. One of my orders was for {$1000.00}, while the other was for {$990.00}. I deposited both money orders via the Wells Fargo mobile app on the same day XX/XX/2023. The deposit for {$990.00} went through, while the one for {$1000.00} was denied. I contacted Wells Fargo exceptions team and they advised that the money order said it was intended for XXXX XXXX, I then explained the full story as to why they were made out to XXXX XXXX. They simply responded saying that the {$1000.00} money order could not be deposited because its made out to XXXX XXXX. I countered and said well, so was the other one, but you guys still accepted that one what would be the difference? They advise me that one got audited, and one didnt, but that makes no sense. So with that logic, I can deposit money into my bank half of the time even if its made out to some other entity, but the other half I cant. I found this to show no consistency and a lack of empathy and integrity within the company. Wells Fargo Exceptions went on to advise there was nothing they could do. I advised that I could provide them with the original receipt that I received when I purchased the money orders. I also advised that I could have the accounting manager from XXXX speak to them on my behalf. Still nothing could be done, despite someone clearly already making an exception to process the {$990.00}. I found this response and answer to be completely unfair and inconsistent, and it needs to be reported and reviewed.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and dissatisfaction regarding the failure to correct late open account associated with my account, despite multiple attempts and escalating complaints. Despite my persistent efforts and cooperation, the issue remains unresolved, causing significant inconvenience and financial strain. 

The ongoing presence of late open account not only undermines my confidence in your organization 's ability to manage account efficiently but also reflects poorly on your commitment to addressing customer concerns promptly and effectively. 

Conduct a thorough investigation into the late open account and identify the root cause of the recurring issue. 
Immediately correct all late open account associated with my account and ensure that they are accurately reflected in the account statements. 
Provide a detailed explanation for the persistent delays in resolving the late open account and outline steps taken to prevent similar issues from occurring in the future. 
Implement measures to improve the efficiency and accuracy of account management processes to prevent the recurrence of such issues. 
I emphasize the urgency of resolving this matter expediently to restore my faith in your organization and alleviate the financial burden caused by the late open accounts. With this, I am asking for your assistance to correct this account in my credit file XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am writing in concern of the federal law Experian has violated according to the FCRA 1681d.. ( B ) concerning inaccurate information XXXX XXXX XXXX XXXX XXXX is being reported inaccurate by Experian when this account is current and up to date, this account is currently in forbearance plan and modified. I have sent in the proper paper work to Experian and they have still not corrected the information. Experian said that they verified the information with the vender but they have not sent who, when and by who it was verified because if they would have done there proper research they would have known that this XXXX XXXX XXXX XXXX ) is current. Experian has also violated federal law 1681d ( B ) Disclosure on request of nature and scope of investigation : that states make a complete and accurate disclosure of the nature of the scope of the investigation requested. This disclosure shall be made in writing mailed, or otherwise delivered to the consumer no later than 5 days after the date on which the request of disclosure was received from the consumer or such report was first requested, whichever is later. Experian has violated the FCRA by continuing to report inaccurate information and must be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates my credit was run without my permission and knowledge. I did not consent to or authorize nor benefit from any of the following inquires XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX During these times especially between XX/XX/XXXX to now I have been out of my resident state working on COVID-19 contracts being a frontline worker. I hope this issue can be resolve immediately. I have taken further action to protect my identity and credit profile for the near future.
Product: Debt collection

On XX/XX/2022 XXXX XXXX XXXX posted a collection notice for {$970.00} against me. 
The account was fraudulantly created using my name and social security number with an address in XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have n't received a response to emails to confirm if payments were suspended. When I received an email from the bank the payment was to be withdrawn from, I called and questioned what the email was for. I honestly thought the payment would be paid. The payment is from a savings account. The payment was returned. I communicated that if I had received notification in writing that I would n't be going through this. I was told that payments were suspended. It reminds me of when I was on the phone with a representative at XXXX and the female employee said something like I told you verbally. 

I emailed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern, I am not liable for this debt with XXXX XXXX, I do not have a contract with SECURITY CREDIT SERVICE, They did not provide me with the original contract as I requested. SECURITY CREDIT SERVICE called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until SECURITY CREDIT SERVICE, proved me with the original contract they have to remove asap from my credit reports. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This item was purchased by a Third Party Debt Collector ( SECURITY CREDIT SERVICE ). This account must be deleted as the status is not correct, the amount is not accurate, and the account was paid for less than owed by the Third Party Debt Collector. As you can see from my credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account name : SECURITY CREDIT SERVICE and Account number : XXXX for reference and incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE
Product: Debt collection

I guess I 'd better get this in before you 're gone ....   A person with a similar name,  XXXX   XXXX   XXXX ,  XXXX  has  XXXX   XXXX  debt that has been in collections for years. About 5 years ago, my address became tied to his name. Not only  XXXX , but the  SSA ass umes I 'm him. Because this debt is so old, ( and never dies ), the paper on it is spread far and wide. As a result, I receive multiple calls each day from various deb t collectors tryin g to get {$250000.00} out me. The  SSA/Treasury Dept.  even sends me regular notices informing me that " my '' check is being garnished ( For all this hassle, it would be nice to get what 's left ). Of course, they must be sending the actual checks to a bank that has his address or to his home.   I of course have made multiple calls to all of the relevant agencies to get this straightened out. The reason I do n't get anywhere  is simple-CATCH-22.  They wo n't help me because I 'm not him, and only he can interact with them on this account. I have insisted on talking to supervisors, begged, etc to no avail. Once a supervisor at Treasury said the most they could do was put me a do not mail list. Not so much.   You might ask why I do n't just tell the debt  collectors that I ' m not that guy. I used to, but the paper is just resold almost immedia tely. Anecdote : on  e interaction  about 3 years ago, I had a supervisor in debt collection office and told him I would n't give him my social because they would just sell the paper right away. He said just a sec, looked up something, and said " I think you 'll get a couple months ''.   Two weeks later I was being hounded again.
Can you help? ( I 'm begging again ) I 'm sending pdfs that have the relevant info on them
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute Inaccurate Collection Account Information Dear XXXX, I am writing to formally dispute inaccurate information on my credit report. The specific account in question is : Creditor Name : Transworld System IncXXXX Original Creditor : XXXX XXXX Account Number : XXXX Balance Reported : {$1500.00} Status : Collection Account Upon reviewing my credit report, I identified a factual inconsistency that requires correction : 1.Impossible Date of Account Opening : The report states that this collection account was opened on XX/XX/XXXX, yet it is already being reported as a collection account in XXXX and XX/XX/XXXX, and XX/XX/XXXX. This is a clear logical erroran account can not enter collections before it even exists. This suggests incorrect reporting or re-aging of the debt, which is a violation of the Fair Credit Reporting Act ( FCRA ).

2.Potentially Inaccurate Reporting Timeline : If the debt was indeed placed into collections, the status update dates and payment history should reflect accurate and consistent reporting. The timeline currently displayed on my credit report does not make sense, and this could be unfairly extending the time this negative account remains on my credit file.

These inaccuracies negatively impact my credit and must be corrected immediately. I requested that XXXX investigate this account, and if the creditor can not provide accurate and verifiable records, the account should either be corrected or removed from my credit report.

Thank you for your prompt attention to this matter. I look forward to your response.

Sincerely, XXXX XXXX
Product: Debt collection

Credit card transferred information to an agency. 
I never signed a contract with this company of the amount they are trying to collect. Was harassed and threatened even after I told them to stop calling and show me were I signed a contract with them
Product: Debt collection

I XXXX XXXX believe that under the modified Fair Debt Collection Practices Act that I should have all aspects of foreclosure ceased against my home until I can package all documents necessary for a mortgage modification. When my wife went through a XXXX, she had to leave her work that paid more than {$30000.00} per year. I had to take an extended leave of absence from my job, but I am fully employed again. In XXXX of XXXX I was involved on a conference call with the representatives of XXXX XXXX XXXX, Shapiro, DiCaro & Barak, LLC and the clerk of the court. During that discussion, I was given until XXXX XXXX, XXXX to present all my documents to Shapiro, DiCaro & Barak LLC. I will have a complete modification package within the next week, and it looks like my wife will be able to start work XX/XX/XXXX. On XXXX XXXX, XXXX, the law firm filed a Notice of Motion proposing the granting of Summary Judgment on my case. I am burdened with a great deal of medical debts as well as additional debts I defaulted on while my wife was sick. I intended to obtain a mortgage modification, then file a bankruptcy petition Chapter XXXX to alleviate all debts outside of the bankruptcy. I can not deal with the excessive pressure presented against me now. I need all foreclosure actions to cease under my rights with the Fair Debt Collection Practices Act mandate of XXXX XXXX, XXXX until a resolution on a modification can be accomplished.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 15 USC 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 permission
Product: Debt collection

In XX/XX/XXXX I applied for and received an online loan from BlueChip financial DBA XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could I contacted the Indiana department of Financial Institutions, the Federal Trade Commission and the Consumer Financial Protection Bureau. It seems that XXXX is NOT licensed to do business in the state of Indiana, charges illegal amounts of interest and does not recognize federal and state laws. Tribal law does not supersede state or federal law especially since Im not a member of the tribe nor do I reside on the reservation. BlueChip financial also violates the federal law against, deceptive and abuseive practices. Which in turn means that my loan is NOT legal, NOT enforceable and it is NOT collectible. Upon receiving this information I contacted XXXX via phone and told them what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - XXXX XXXX XXXX XXXX XXXX XXXX In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said that a case manger would look into this. I wasnt given any time frame or even the persons name. I then contacted XXXX XXXX XXXX- I spoke with XXXX , who said he was the manager, he was very rude and basically said that they have money on this account and I needed to pay. I advised him that the loan was ILLEGAL making it null, void and uncollectable but he insisted that this legal for them to report this to the credit bureau. I have since then filed disputes with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax.com states that I tried to log in too many times and locked my account. I telephoned working with their customer service representative to verify my personal information and asked that mycredir file be unlocked. The CSR asked me to check if a VPN was in effect on my mobile device. There is no VPN on my mobile device in effect. I asked a fraud alert be placed on my credit file with Equifax.com. The CSR placed a fraud alert on the credit file effective one year or until I ask it be removed. 

I reset the password. Still the website is not allowing meto access my credit file Similarly my credit score with JP Morgan Chase Bank was dropped some XXXX +points over a less than one week period of time for unsaid reason. I checked my information for my personal checking account with Chase Bank and it said something like credit ratio to credit charges due imbalanced above XXXX , %. 

I have 2 credit cards. The credit card in question I paid thern the entire balancedueof slightlyless than {$200.00} or I remitted {$190.00} last week. I used the card flowing payment and that's thereSon that is written on my Chase Bank credit file and then Chase dropped the credit score to XXXX. 

XXXX I was told the day before yesterday has prevented my being able to get acreditapproval to relocated an apartment from a hotel room where I have bern calling it home now plus 8 yearshere in XXXX XXXX 's financial District. This is collusion to keep my down this way andu fair treatmentof a customer and client. Simply it is an unfair situation where I played above board fair with both Chase Bank and XXXX com.
Product: Credit reporting

For several years I 've been denied any loans on the grounds that my credit report and score can not be pulled. Finally I decided to find and fix it. Spent endless hours with all credit bureaus, found out that I was noted as deceased in TransUnion, mailed them a copy of SSN. Called Social Security, they found no problems there. Now Transunion claims their file is correct, so does everyone else, but now one can give me the report. Not for free not for a fee. PLease HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMorgan Chase bank auto finance failed to correctly update my credit report after identity theft. The account is fraudulent and I am not responsible for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several credit accounts that are reporting on my credit report that were opened without my consent. These accounts are fraudulent and needs to be removed from my credit report. I have to complain via CFPB because Equifax has made it flat out hard for me to dispute online or over the phone. When I call I am told that my credit report is handled by a specialized department and that there hours are never available when I call. When I try to dispute online it always times out in an error so I have no other alternative to dispute wrong information. Please remove these following accounts : Synchrony XXXX has three accounts listed, XXXX XXXX, XXXX XXXX XXXX. All of these accounts were opened without my consent and need to be removed. I have attached an FTC Affidavit and police report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   continues to report account as being delinquent. Credit report shows last payment was   XXXX   2017. This inaccurate. Submitted banking statement and checks to dispute delinquency. Lenders have denied application for refinancing and/or personal loan due to reported delinquency.
Product: Debt collection

To Whom It May Concern, I am writing to formally lodge a complaint regarding the handling of my account dispute with Columbia Debt Recovery. This matter involves an alleged debt related to fraudulent activity, which I have been diligently working to resolve.

On multiple occasions, I contacted Columbia Debt Recovery to follow up on this matter. Most recently, I spoke to a representative named XXXX, who refused to provide a last name. During the call, XXXX hung up on me, citing the fact that I had already called the previous day. This behavior is unprofessional and unacceptable, especially considering the seriousness of this matter.

I have submitted the requested documentation to prove that this debt is fraudulent and unrelated to me. However, I have not received adequate updates or responses regarding the status of my dispute. This issue has significant implications for my credit and financial well-being, and I am disheartened by the lack of professionalism and transparency shown by your team.
Product: Mortgage

On XX/XX/2021 my payment went from XXXX to XXXX. I have contacted my Mortgage Company twice a month since then which includes XXXX Payment, XXXX Payment and XXXX Payment. My loan was transferred from IberbiaBank Mortgage to First Horizon Bank Mortgage. The issue is my Escrow more specifically Taxes and Insurances. My insurance hasn't changed and my taxes has went down being that I applied homestead. My yearly taxes are XXXX a year or XXXX a month and my insurance is XXXX per year or XXXX per month. This monthly should total XXXX going into Escrow. This doesn't include PMI however. My escrow in XXXX was XXXX and in XXXX it went to XXXX. Thats a difference in XXXX that they are charging me for. I have attempted 8 different times to work with them. I have talked to 3 different Supervisors and 5 different customer service representatives. Every month I get the same answer ... '' We will submit an escrow analysis '' and every month the payment still hasn't changed. The most recent conversation was they promised XXXX payment would reflect the updated payment and it still hasn't. I NEED HELP. This is negligence and should be considered serious.