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

In accordance with the Fair Credit Reporting Act Account Number # # # # # # XXXX XXXX  XXXX XXXX Account Number 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

The company sent me a letter stating that the attached account would be removed from my credit report and its still not removed. I want XXXX  act # XXXX removed from my report within 72 hours of receiving this complaint. All documents attached.
Product: Debt collection

regarding account # XXXX, Please close and remove me from this account immediately. This is an unauthorized account and needs to be removed from my credit immediately. I have sent numerous letters and I recieved no response. I look forward to your swift resolution in this matter. Thank you
Product: Checking or savings account

" I had XXXX XXXX XXXX money orders to deposit. The Wells Fargo ATM successfully processed the first money order for {$250.00}, but the second money order, also for {$250.00}, was eaten by the machine. My wife immediately went into the bank and filed a complaint. The bank issued a temporary credit and said they would send someone to check the ATM. 

Now, Wells Fargo is making us go through a complicated process to prove our claim. We have copies of the money orders and are also trying to verify with XXXX XXXX whether the money orders have been cashed. ''
Product: Debt collection

This is a medical company. Sent me horse ointment which was not authorized by XXXX  and I can not return and wants me to pay. This is wrong. This is for the horse not human being please dispute people in the granite credit are rude and threatening me
Product: Credit card or prepaid card

I have repeatedly called their CS line as well as even RETURNED promotional offers and them trying to get you to sign up for some other loans. I don't want them. I have even opted out with the credit bureaus so you should NOT be sending me anything offering anything extra. I have a card with you. That is it, if there is nothing that needs to be sent in regards to that card, do not send me this misleading GARBAGE anymore.
Product: Debt collection

I receive a call from Global Credit And Collection Corp XXXX/XXXX/16. The representative was name XXXX and supervisor was XXXX. Both were abusive and hostile and threatening. This was the first call I received and have no clue as to why I am being contacted. They were both shouting and talking over my questions. I asked to not be called again.
Product: Mortgage

I have applied for and I believe I have been wrongfully denied a loan modification 1 times over the past 2 years, and am at risk of losing my home because of the false and misleading statements, negligence, willful misconduct and discriminatory behavior of my mortgage company Wells Fargo. 

I have been to court mandated mediation, hired lawyers, even filed bankruptcy to stop the sale of my home. I have sufficient income to afford to keep my home at a slightly lower payment, which is why I continue to apply for loan modifications despite the lender 's denials, which are often for completely arbitrary, contradictory, even nonsensical reasons. 

Most recently, I applied for loan modification and each time the mortgage company provided a different, seemingly arbitrary reason to not deny my application, but not even open the new application due to some reason or another.. 

One time I was denied by the reentry team verbally stating that I did not earn enough income. Then they denied my application verbally stating that I earned too much! After that they denied my application verbally stating that my application did not show enough of a change from a previous application submitted in 2014, over a year ago, so the application would not be considered. Lastly they denied me stating they have NEW Investor Guidelines stating I have either been 3 years delinquent or previously denied a modification. 

The reasons given were all over the phone, and the denial letters did not state this information or provide any clear reason for the denial. In fact the reason given for the most recent denial indicated that they never even reviewed my application or my circumstances have not changed. Never once did they provide me a copy of the New Investor Guidelines they stated as my reason for denial. 

I believe these reasons are simply pretextual, and that my mortgage company has never had any intention of dealing with me in good faith, or allowing me to remain in my home. I also believe they are discriminating against me due to to the fact I am of XXXX. 

The fact is that Wells Fargo has been losing my papers, not providing me with clear information regarding my applications, asking me for needless information ( including at XXXX point my deceased mother-in-law 's tax returns ), and generally making it very clear that they had no interest in helping me for 8 years now. 

Further, I believe I have been discriminated against due to my XXXX gender, as well as my foreign national origin as evidenced by my XXXX accent, which I have received comment on from Wells Fargo on more than XXXX occasion, where the bank 's personnel have expressed frustration dealing with me due to my accent.
Product: Checking or savings account

I deposited {$1500.00} into my account on XX/XX/XXXX in the amount of {$1500.00} not even two days later I took out a payday loan for {$1000.00} the next day they closed my account and when I called the bank they never told me why I finally got in touch with the bank and they told me because I tried to deposit a loan for {$1000.00} that it was a illegal account and never told me why until I called them
Product: Credit card or prepaid card

So on XX/XX/XXXXXXXX XXXX XXXX I signed up for Amazon  and applied for an Amazon card I got approved for the Amazon store card through synchrony however I use the account that has {$500.00} limit on it one time to pay for Amazon prime for {$14.00} can I go to place my first order after that and they said it was on hold due to suspicious activity I don't understand how that is suspicious making my first order but I then I received an email telling me to log into my account and provide necessary information that they needed I did this uploaded the document that they asked for which was a bank statement for the card which was from synchrony I've had to do this since that day several several times I've called them I've emailed of done everything I can and they keep saying that they can not validate my ownership of the account now please tell me if I'm sending you the exact bank statement for the card ending in XXXX  from synchrony Bank that gave me the card for Amazon how is that not valid they have yet to remove the hold because they keep telling me to wait for somebody to contact me that doesn't never contact me I have done everything I can so now I'm contacting y'all to get help I'm attaching the bank statement for the card so that you'll see what I'm sending them is from that same bank it's the same what I've been sending them
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX JPMCB  HL XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I AM STRUGGLING WITH TWO ACCOUNTS THAT ARE PAST STATUE OF LIMITATIONS ONE WAS REINSERTED TO BE ON MY ACCOUNT AS NEW ADDITIONS I HAVE SUBMITTED PREVIOUS CFBP COMPLAINTS WITH NO RESO

LUTION THIS IS DISHEARTING!!!

I HAD ONE A
CCT WITH XXXX XXXX  WAS REMOVED THEN REINSERTED WITH AN OLDER ACCT NEVER ON MY PROFILE STATUE OF LIMITATIONS FOR XXXX IS THREE YEARS AND THAT IS BY THE LAST DATE EITHER OPENED OR LAST PAYMENT AND BOTH DATES ARE PAST THREE YEARS!!

I CALL DAILY THIS IS REDICIOULOUS!! 

CAN I PLEASE GET CORRECT FTC REPORT TO BE ATTACHED TO BOTH SUNBELT ACCOUNTS AND CAN I GET AN AMEN?!?!
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.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX Account Number : XXXX and list of Inquiries. 

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 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 than 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, 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 Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 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 account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # 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.

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 other than 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 a person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was in the United States XXXX and applied for a NEX credit card to shop at the Exchange. My credit limit was {$6000.00} and I was owing about {$5000.00} when I fell behind in my monthly payments. About 4 months or so later, I sent in payment but it was returned and I was informed that it had been sent to a Collection Agency. When I contacted that Agency, I was informed that the amount due was about {$9000.00}. All attempts to get them to explain why they kept tacking on amounts without a court order proved abortive. The file changed hands several times and each time, the amount went higher and higher. 
These various companies added more than {$12000.00} to the original amount and the current Collection Agency - XXXX XXXX XXXX XXXX filed to garnish my retirement pay in the amount of {$17000.00} and has been collecting {$140.00} for almost 4 years now. They have collected more than {$7000.00} to date and yet, they are not prepared to stop. 
Please help me checkmate this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2022 someone ran my credit through Barclays Bank delware. I never was in delware and I didnt authorize this credit check. This is complete fraud!
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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

A fake company made three charges across three of my credit cards, totaling {$2200.00}. A {$500.00} charge went to my Discover card. I have attempted to resolve this many times with Discover, over the period of a year and a half at this point. Discover first told me to contact the merchant ; however, since it is a fake merchant, the website, emails, and phone numbers have all been disconnected, and the address given is a vacant office ( I have spoken to the realtor leasing it, who confirmed the fake company are scammers and not the company they pretended to be ). No services were offered, rendered, or completed, and the fake merchant said that " services can be canceled for a refund. '' So even though no services were rendered I asked for a refund. The other two cards had the competence to cancel these fake charges yet Discover keeps putting it back onto my card. 
Not only does it keep reappearing on my card, now it is accumulating late fees and interest, even though the amount is larger than my balance, which I paid for all actual charges. So now Discover owes me money - I stopped using this account when I was unsatisfied with the lack of customer service. I have submitted documentation that has not been reviewed and I have called over twenty times over the last several months since XXXX- each time someone tells me they need to put me on hold to review my information, then either disconnects the call or transfers me to someone else who seems to have no idea what's going on and wants to start over. Today alone I have been on the phone for more than two and a half hours without any resolution as they keep saying someone will call me back but never does. 
This is shameful that a company can operate like this and put people 's perfect credit scores in jeopardy. 
Lastly, there are no authorized users on my account and have not been for several years, but Discover keeps emailing my account information to a former authorized user who should have no access to my credit info or account info whatsoever yet has access to my balances and everything. This is a very serious breach of privacy and security. 
Please fix this as I will never pay for a fraudulent charge. 
I used to use this card a lot for points but in the past two years I have had THREE FAKE CHARGES on my account and Discover has not fixed any of them. This is absolutely disgraceful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts with the bureaus, THE ACCOUNTS ARE COMING BACK AS VERIFIED!! sent in numerous letters, nothing has been deleted, the bureaus pretty much ignored my concerns.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. Account name : XXXX XXXX XXXX account XXXX name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 than records of convictions of crimes which andodates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am reaching out to follow up on the complaints I submitted to your attention regarding discrepancies on my credit report. As of today, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I am eager to inquire about the current status and any progress made in addressing the issues outlined in my previous correspondence. Below are the specific items that I am requesting to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

I lost my purse with all of my personal items including my phone in the middle of 2022, shortly after I started receiving calls and emails about accounts and payments that are not mines. I received emails saying my information was listed on the dark web. I reported the theft and the accounts popping up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off and closed my capital one credit card on XX/XX/2020 due to fraudulent fees being added to the account despite on time payments. My credit score then dropped by over 75 points. I am now unable to apply for other personal and business credit cards due to this extreme reduction of credit points despite the account closing on good terms. I am in dire need of credit score improvement to buy a house due to how dangerous my current neighborhood is and time is running out. Please help.
Product: Debt collection

ERC collections has not proved that I owe debt. Was never notified before sent was placed on credit. Never got opportunity to take care of debt. Never proved debt was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was never delinquent this's my school loan please removed all late from this account please DEPT OF ED/XXXX  Account Number XXXX Account Type Installment Loan Terms 38 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 120 days Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$56.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, PA  XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$1700.00}  Comments - Payment History XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I have a closed credit card account with Wells Fargo that was opened XX/XX/18. The account is in collections. I tried to work with Wells Fargo in order to come to a resolution and get the delinquency paid. I would like the closed account/delinquency removed from my credit report. Please assist.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized inquiry on my credit report this morning, and I have no idea why it is there. When I reviewed my credit report, as I usually do, I found discrepancies that appeared out of nowhere. I even tried refreshing my browser to see if it was a technical error, but the unauthorized inquiry remained. I urgently request a thorough review of the documents Ive provided to resolve this issue and give me peace of mind.
Product: Credit reporting or other personal consumer reports

As outlined in Section 621 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute notice. This includes entering a notice of dispute on my credit report. To date, I have not received any communication regarding the investigation of this dispute, nor has a notice of dispute been placed on my credit report for the aforementioned account. Furthermore, the disputed accounts were never verified. Given your failure to comply with FCRA regulations by not investigating the disputed information and entering a notice of dispute, I demand the immediate removal of the accounts outlined in the dispute letter sent XX/XX/year> ( attached ). If I do not receive confirmation of the account 's removal, I will be forced to pursue further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and considering legal options. I have attached a copy of my credit report clearly showing the absence of a dispute notice for the accounts and the dispute letter, which is dated, and time stamped.