23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX  I reached out to the XXXX credit bureaus requesting the latest updated version of my credit report, after reviewing my credit profile I noticed an erroneous creditor ( Delta Outsource Group ) jeopardizing the integrity of my credit profile, by law if the FCRA I have the right as a consumer to challenge any information thats does no appear to be accurate so I sent in a letter via asking that this information pleased be removed on XXXX from my credit profile I sent the letter to the direct furnisher asking that this account be removed do to its inaccuracy, after days gone by, I received correspondence on XX/XX/2021 saying that the letter didnt provide sufficient information to investigate, so I submitted another request in addition to get a resolution for this erroneous account, unfortunately I was unsuccessful again for the second attempt, I got replied the same response as before so I Battled with this furnisher for months going back and fourth getting nowhere wasting time, energy and money that I did not have in a spike of a pandemic jeopardizing my health and families, Till finally I received a letter stating that they had a chance to investigate this matter and made some adjustments and modified the loan and switched information around that they reported accurate in the past! So how was this information verified accurate in the first place? Before investigating this information I was told this information was verified accurate, which was contradicting to themselves and also I notified and disputed this account with the Credit reporting agencies figuring Ill at Least get a fair investigation, upon a additional 30 days unfortunately I had no luck and was giving the same contradicting response as the furnisher I feel the XXXX CRAs have not only violated my rights as a consumer with what they have allowed this furnisher to report on my credit profile putting me and the integrity of my credit at great jeopardy but also they have violated FCRA LAWS and Consumer I feel the proper actions should be taking against them. I received a letter from a new creditor name ( Delta Outsource Group ) that I had no acknowledgement of requesting a unknown debt to be paid I challenge them and they stated they now manages the old Creditors account under a new business name because the debt was sold to them which I never gave any consent or authorization to do business with this new creditor in the first place not even verbally so how can you say a debt is mines?? so when I challenged this issue with them they told me they will no longer reinvestigate and that the collection will remain on my credit report which is very unfortunate. I have been going back and fourth with this creditor that I have no acknowledgment of and its not getting nowhere. I have invested time and money into this battle I have proof of USPS receipts, Im asking that you please remove this account off my credit report.
Product: Debt collection

I received a notice in the mail on XXXX/XXXX/XXXX, which was dated XXXX/XXXX/XXXX from Creditone, L.L.C.  stating they were the current owner of my account and would like to offer me an opportunity to resolve the account for less than the total amount due. Stating the amount due was {$2300.00} and that they would accept payment of {$350.00} to satisfy the account, or monthly payments of {$32.00} per month under an agreed plan. I called to dispute, and after verifying my name and last four digits of my social security number, they said it was for a furniture purchase in XXXX. I said I have never purchased furniture on credit, so it was not my debt. They said they would request the original documents and send them to me in 6-8 weeks to see if I recognize the debt. Again, I stated that I have not purchased furniture on credit, and would remember if i did, so I am disputing this clam. The man said there was nothing I could do and I would have to wait for the documents, which would take 6-8 weeks. After the call, I realized that this was past the 10 year statute of limitations in Iowa, and not only was it not my debt, they had no legal recourse to try to collect it.
Product: Debt collection

I applied for a credit repair credit card after reading an ad on XXXX in an attempt to improve my credit score. XXXX XXXX Bank sent a card 2 years ago and after reading the contract I did not agree with the terms cut the card in half and sent it back. XXXX said I owe them XXXX in fees and sent their bill to the XXXX credit reporting companies in an attempt to collect a debt not owed and additionally sent it to collections with Midland Collections which in fact it is the same company owned by XXXX XXXX Bank. Now XXXX intities are reporting to the XXXX credit bureaus. I did not use the card and returned it therefore feel this should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no answer was ever received. Thus, your action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX
Product: Mortgage

I am currently 90 days behind on my mortgage and have been attempting to reach a Loan Care loss mitigation specialist for 30 days. Loan care put me in a repayment play that I was unable to maintain. When I attempted to call I was hung up on multiple times. I called on XXXX at XXXX pm. XXXX at XXXX, XXXX at XXXX. and XXXX at XXXX. each time I was placed on hold and disconnected. Today I submitted a 21 page fax to their loss mitigation fax line as the only two ways to send it is via mail of fax. I included my pay check stubs, lease agreement, proof of other income including child support and Notary work. I also included the expense form and complete application and letter of explanation. I tried to log into the company website today to make a payment but they have cut off my access to do so. I need help reaching a person to work this out. I have consulted with a XXXX attorney and will be filing a XXXX XXXX if they are unable to help me save my house. I reviewed the FHA modification information and I qualify for a modification but I am angry that they keep giving me wrong information.
Product: Debt collection

XXXX XXXX XXXX attempted to collect a debt that wasn't mine and when they had a debt collector contact me I asked to set up a payment for deletion since it wasn't my account and gave them my card info to do so but instead they tried to remove funds from my account without deleting this from my credit profile when it never even belonged to me. I was strongly mesled by both companies XXXX XXXX XXXX and ERC. This Needs To Be Permanently Removed from my credit reports.
Product: Debt collection

On XX/XX/19 Portfolio Recovery from XXXX called my home phone per my caller id, but they did not leave a message. I am not sure of the exact time as my caller ID has erased the time. I called them back later in the evening, and asked who they were trying to reach. They asked me for my name, I gave them my first name only explaining I did not feel comfortable giving my full name AND THAT they called my number. I asked them to please tell me who they were trying to reach so I could validate if they were reaching the correct phone? The agent refused and said that I have to give her my FULL NAME to see if I have a debt with them. I explained that I did not have a debt with them and I was calling to let them know that they most likely have the wrong number. I asked to speak with a supervisor at that point. I told her the same thing and she said " By law they can call me ''. I told them to stop calling my number and she continued to speak over me saying " By law they can call me. I told them " BY LAW " if they can not tell me who they are trying to reach and I tell them to STOP CALLING my number, than they have to stop calling me. I terminated the call. I did not give them my last name only my first name. I did explain to them that I receive calls asking for people I do not know and do not reside with me.
Product: Credit card or prepaid card

on this site you state that 'You can not be charged a late fee if you paid at least the minimum amount due and your payment was received by XXXX XXXX. ( in the time zone where payments should be received ) on the date it was due. ' However, this has not been the case with my TJX Rewards Platinum MasterCard from XXXX XXXX. 

My credit card statement includes the warning : 'Late Payment Warning : If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee up to {$35.00}. ' My payment due date is the XXXX of each month and I have paid at least twice the minimum due each month before the due date, yet I have been assessed a late fees. For example, in XXXX, my due date was XXXX XXXX and my minimum due was {$140.00}. I made a {$200.00} payment on XXXX XXXX, and a {$100.00} payment on XXXX XXXX, yet I was charged a late fee for this billing cycle. 

I called the company and was told that the payment made on XXXX XXXX was counted towards the XXXX billing cycle ( which ended XXXX XXXX ) and thus did not count towards the minimum payment due in XXXX. It also did not count towards the minimum due in XXXX because it was after the due date of XXXX XXXX. Therefore, any payments made between the due date and the 'cycle date ' do not count towards the minimum payment due for either month. I asked to speak to a supervisor on XXXX XXXX ( around XXXX XXXX ) and asked where this was disclosed, the supervisor stated that it was in the terms of service - it took him several minutes to find a reference to it - which stated that only one payment was due per billing cycle.
Product: Checking or savings account

someone tried to open a new deposit account using my personal information with Wells Fargo. I did not authorize this nor did I myself apply. 

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

In XX/XX/XXXX USAA Federal Savings bank changed the address on a credit card with out our knowledge or verification. They admit they have no proof they contacted us regarding the address change. Upon use of the card in late XX/XX/XXXX, the statements went to wrong address so the card payment went overdue and eventually charged off. After realizing what happened we paid the charges plus penalties and interest and requested USAA remove the account from the credit report. They refused.
Product: Checking or savings account

Good Morning today Monday XXXX XXXX i went to an ATM ( Wellsfargo Bank ) located in XXXX, Florida, when i requested the money to the ATM never came the money the message was Cash Currently unavialable at this ATM ( the amount was for {$1000.00} ) i received an email from the bank wellsfargo showing that same message, the problem is that the Bank remove the funds from my account and now i dont have the {$1000.00} available, i called to the customer service team and they are telling me that they can take up to 10 business days to have the founds into my account, Is impossible that is taking to long to have a solution where the only affect person if me, the found is to make the payment of my Rent and they dont care. It is very frustrating that Wells Fargo is so inoperative and plays in this way with the money of people who do not have larges sums of money, it is clear that they do not care about us at all, they are responsible for their ATMs and can not take 10 days skillful to give a solution ; Now I am going to have to pay a surcharge on my rent XXXX even expose to an eviction process. I AM FRUSTRATING
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Account # XXXX ( XXXX XXXX XXXX ) XX/XX/20 in the amount of {$1600.00} Account # XXXX ( XXXX XXXX XXXX ) in the amount of {$180.00} and Account # XXXX ( XXXX XXXX ) in the amount of {$140.00} has violated my rights. 

15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A ( Section 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on several student loans with XXXX that have a {$0.00} balance and {$0.00} past due. This is harming my credit score and it is obviously impossible to be past due on something that does not have a balance due.
Product: Mortgage

Chase has caused a number of delays getting the repairs to my home complete. Because of this I have damage to items that are not covered by insurance that would not have been damaged had Chase not caused so many delays. I have sent emails to Chase about this since XXXX and more recently XXXX XXXX. I have asked the executive office to reply to my request on how they plan on handling the items damaged. I know this is my third complaint against Chase but the only way I get any replay is though the complaints I email the executive office every other day and have been about these latest issues but as of today XXXX XXXX still no reply or call from Chase about my problems. 
On XXXX XXXX the legal department finally noted in my file with Chase that the checks can now be issued to myself and contractor and not the estate of XXXX XXXX. I have told Chase that from day one - by them issuing checks in the estate of caused more delays. Chase issued check directly my contractor and I never gave them permission to do so, I only gave them permission to issue the check to my roofer direct because it was urgent to get the roof on. - Why did it take from XXXX XXXX to XXXX XXXX to realize Texas law and to follow Texas law -why did I have to suffer that long and have more damage to my property and personal property because Chase did not know the Texas laws. If they operate in Texas they should know the law and not learn it at customers expense. 

I need to know the following things - I have emailed Chase over 10 times these same questions and have not had one phone call as of today about it or an email reply. 

1 - Exactly what do I need to do do get the rest of the money for repairs- I was told I need to order an inspection at 75 % and then funds would be released after the inspection - is that all I need to do? 

2 -When my current contractor is done what exactly is the next step? 

3 -And what does Chase plan on doing about the items that were damaged by water and mold that are not covered under the policy - the items that were damaged while Chase lost my husbands death certificate and took over a month to send funds to get the repairs started the damaged items caused by Chases negligence not mine!! 

4- Why now on XXXX XXXX is it noted in my file that payments do not have to be in the estate of? 

5- Why did Chase issue Checks only to the contractor when I did not give permission to do so. 

6- In the future when I have questions how long can I expect to get a reply from my executive office contact person - XXXX is my contact but she goes weeks without contacted me about problems and concerns that I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

This message is not in error I submitted a dispute informing Experian that they were violating my rights as a consumer pursuant to 15 U.S. CODE 1681i ( 5 ) and 15 U.S CODE 1681e ( b ) in regards to accounts U S DEPT OF EDXXXX # XXXX
Product: Mortgage

XX/XX/2023 spoke with customer service requesting foreclosure sale be canceled and I had not received letter with foreclosure sale date. Submitted request for mortgage assistance with income. Wells Fargo mishandled processing of mortgage assistance application and mortgage loan financing for my home. My home was financed with a line of credit instead of a FHA loan that I requested. Have spoken with the executive office XX/XX/2023 they admitted my loan was incorrectly processed Also I have not received a foreclosure letter from the foreclosure attorney. The state of Tennessee requires me to receive a notice of foreclosure 30 days before foreclosure of my home. I was told I was mailed Trial modification I never received the papers. I am being told they will not move my mortgage request from intake to loss mitigation it sitting in intake it has been there. I have submitted my request 3-4 times last 6 months. I am a senior citizen don't want to lose my house to foreclosure
Product: Payday loan, title loan, or personal loan

Wells Fargo provided a credit for Negative Balances for the economic stimulus checks. 

This was never approved by myself, nor was there ever any communication between Wells Fargo and myself prior to the event agreeing to the conditions. 

This could have easily been overlooked by many account holders. 

Wells Fargo essentially provided a loan credit without any approval by the account holder. Now they are taking the " credit '' back from accounts possibly leaving them overdrafted, providing Wells Fargo with another {$100.00} in overdraft fees ( they charge the credit out multiple times ). 

This is an abuse of Wells Fargo Lending power.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both Transunion and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. Please delete these accounts right away : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi im writing about experian and XXXX XXXX i discovered identity theft account on my credit report and tried to dispute it but it comes back as accurate but i never applied for XXXX there are some addresses on my credit report that does not belong to me that were included on ftc report XXXX XXXXXXXX XXXX  Account number XXXX
Product: Vehicle loan or lease

In XXXX XXXX I lost my job and the owner slandered my name in all the towns around us so no one would hire me So I called Ally Financial right away and asked for help for 3 months Forbearance I believe. They told me they could not do anything to help me at that time because iI was not behind on my payments, that is what I didn't want to happen. When i got behind they still wouldn't help me right away, then they never sent me the paperwork I needed to sign, they mailed it instead of putting in my online account then said they couldn't change that so I never received it.Then it went to repo and they wanted me to make a monthly paymentt OF {$2300.00} outrageous if i was having a problem paying {$540.00} how could i afford that.Not to mention XXXX XXXX XXXX XXXX sold me a car that needs a new motor and it is a recall so the car is not running now i have been fighting XXXX for 2 years.I have closed one loan with Ally and was never late untill the loss of my job and they wouldn't help.
Product: Payday loan, title loan, or personal loan

I received a pre approved offer for a personal loan from Oportun I went online submitted my information I was told I was approved & that this loan approval would not impact by fico score, I was asked to finalize my loan with confirmation of my identity & employment & proof of residency & bank statements I submitted this information online, Within minutes I received several responses asking for the same information over n over than to call the phone number given to me so I called then I was told that my application will be submitted for approval & that I would receive a message for funding which I was confused because I was told I was approved prior & the information I was asked to send online was to finalize the loan. Minutes later I refuse notice that my credit was checked from my XXXX XXXX app by Oportun then I received a message I was not approved? My credit score is around 690 I called Oportun for answers as to why I was told I was approved & to finish with the loan process to fund my loan the after sending my information I was told no I was not approved & my credit reports were accessed when I was told that my credit would not be this was explained verbally & on the online application process. I was also redirected several times to different numbers were I had to give my information over n over with out clarity. The entire process is a waste of time with promises of helping those with less than perfect credit or attempting to rebuild your credit, my credit is @ XXXX in good standing I only applied to add several points to my credit profile as I was told this loan would help achieve my goal of XXXX fico.