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

I am getting multiple HARD INQUIRIES on my XXXX app. 
1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX  XXXX 4 . XXXX XXXX I am also getting denial for credit from others a. Navy Federal Credit Union b. XXXX XXXX XXXX XXXX I never made these inquiries.
Product: Credit card or prepaid card

I contacted citicards on XX/XX/XXXX to file a dispute over receiving a ring that was not what I ordered. They requested that I outreach to 2 different # s that they had for the merchant, which I did with no success. I also attempted to reach out via the website that I ordered from but the website was taken down & via another platform w/no response. I again contacted Citicards to file my dispute on XX/XX/XXXX. I did not receive any correspondence from Citicards requesting any additional information from me ( I have attached a picture of my inbox as it says messages are held for 1 year ). 

On XX/XX/XXXX, I get an email telling me that my dispute was resolved and they sided w/the company, who sent a picture stating my package was delivered. This was never in question. My issue was that I received something that I did not pay for. They then requested that I send in what I got vs what I ordered or proof that I attempted to return it but requested that no pictures be sent in. How am I supposed to prove something if I can not send in pictures ( Letter attached ). 

I ended up composing a PDF document with everything they requested and sent it on XX/XX/XXXX ( This is attached ). They sent me a letter on XX/XX/XXXX stating that they had previously requested this information and it was not sent in therefore my dispute was closed. However this is completely untrue. I was never sent any letter either by mail or electronically requesting additional information. Even if this was true, the most recent letter from XX/XX/XXXX, regarding my dispute requested this info, which I sent. I expressed my frustration as I was attempting to contact them via phone but their system kept hanging up on me and I informed them that I would be contacting CFPB. 

Citicards never requested additional information from me asides that initial complaint on XX/XX/XXXX. I have attached a screenshot of my inbox as my correspondence is electronically and there is nothing there asides the letters I was sent informing me of my results and a letter from XX/XX/XXXX.
Product: Student loan

I am applied for a mortgage for a townhouse. The underwriters wouldn't accept Mohelas loan/mortgage verification letter for the SAVE plan I was on because it said " Next Tier Payment XX/XX/XXXX '' was {$860.00}. This is the standard 10 year repayment amount. The underwriters suggested I switch to standard level or graduated plan and request new letter. I did this on XX/XX/XXXX and was quoted 5-7 business days for processing. After that time passed, I called Mohela again and after hours on hold was told they " XXXX it overnight due to special circumstance ''. This never occured. I called back and was told " It might be three weeks ''. I called back and was told " Oh no, its 30-45 day minimum to change a plan ''. I have been conflicting, incorrect information on multiiple occasions and I will most likely lose out on the home and am in danger of losing my earnest money deposit. They did generate a " repayment estimate '' document but the lender will not accept it.
Product: Credit card or prepaid card

My prepaid card has not been activated and can not be used. Ive not gotten any assistance in getting this done. The Netspen VISA Card company doesnt answer the calls. And the XXXX XXXXustomers service representative hang up on you while explaining the problem youre having with the card. This has been  going on since XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently, in XXXX the escrow account for my mortgage increased without my prior knowledge or notification from my mortgage company. I made the regular payment and noticed my credit score dropped in XXXX. Mind you, I have pridefully increased my credit score by almost XXXX points to secure funding for a pharmacy that I want to buy in the community that I live in. I called the mortgage company to inquire on the late payment and they said that my payment was {$50.00} short, and they will not remove the late payment from my credit report.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I received a bill from Speedy Cash Account, stating that I owe them {$390.00}. I immediately contacted Speedy Cash at XXXX. I informed Speedy Cash that I did not open the account and I was redirected to their fraud department. The repetitive name was XXXX. They would not share any information with me but recommended that I file a police report. I then went to the XXXX XXXX Police Department XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX Tx XXXX PXXXX XXXX XXXX ) and filed Case XXXX  XXXX with officer XXXX  XXXX Badge # XXXX. Officer XXXX connected me with XXXX XXXX XXXX # XXXX. Both officers found it to be suspicious that Speedy Cash was unable to share any account information other than that sent with the collection letter. Speedy Cash did send a follow up email asking for a copy of the police report. I did not share this with them since it has a lot of personal identification on the report. I asked them for all information used in opening the fraudulent account and they have not responded.
Product: Credit card or prepaid card

I have been on social security XXXX since XX/XX/XXXX I'm a victim of covert harassment and organized stalking since day one going on social security XXXX. Im followed everywhere By alleged neighbors, strangers etc Our corrupt government and the corrupt FBI agents have also made it look like I'm a victim of identity theft. They keep adding bogus information and bogus accounts. I have been documenting this for three years now I have XXXX and XXXX and was illegally implanted in XXXX with stentrode implants for XXXX You can XXXX it So they have done everything that they can to ruin my life in every way possible and I believe this is also part of their doing All my accounts are hacked All of my phone are tampered I have my Florida I.D . 
still even though I am living in XXXX Ohio Because that address is my mom 's address who I lived with for long time And still go there and receive mail there when I need to Now im having problems with capital one I have been a customer with them since XX/XX/XXXX And i have my XXXX bank account linked to pay my account. 

On XX/XX/XXXX i applied for another credit card with them i have been drastically trying to rebuild my credit, since its been destroyed. 
About week or two later i received letter from capital one requesting documents so they could continue processing my application. 
I then got the documents they asked for and went online, and faxed them. 

On XX/XX/XXXX Is, when i faxed the documents to capital one customer care team. To XXXX XXXX XXXX at XXXX XXXX  eastern 1 cover sheet 1 page attached documents Then faxed again XXXX XXXX  eastern XX/XX/XXXX Received email From capital one At XXXX XXXX  Saying congratulations Your approved for XXXX $ I received my credit card Activated it Linked it to my other capital one account and my XXXX bank account And then received letter saying they froze my account For concerns around potential fraud. 

I have faxed my documents again and, again They are saying they never received them Including the very 1st time i sent them So they can process my application So now im contacting you Like penfed But this time im not waiting 8 months
Product: Consumer Loan

NetCredit is a company that take advantage of people ... they approve your loan on line then hit you with 98 % interest ... all od course in small print..then charge you 2x a month. I took a loan out for {$6000.00} ... once I found out the loan was to be taken out of my checking account 2x a month ( XXXX ) I called and asked them to adjust to 1x a month ... they said they could n't do ... this was the biggest mistake I have ever made to take a loan out out with them ... I was unable to pay and got in touch to work something out ... they sent gave me minimal options and then sent a letter saying that I can pay off the balance which now is {$7800.00} ... of {$190.00} 2x 's a month???? I had been paying the monthly for a year at least??? and now I owe XXXX more??? This is a company that the goverment should look into ... they are sharks!!!! 
I would recommend that people stay away from this company!!!
Product: Mortgage

On XX/XX/XXXX Countrywide Home Loans , INC. initiated a securities instrument under the guise of America 's Wholesale Lender as a corporation organized, and existing under the laws of New York. AWL was never a registered Domestic or Foreign in NY State at the time of issuance. T he Assignment of Mortgage unto Bank of America N.A., successor by merger to XXXX XXXX XXXX XXXX XXXX XXXX Countrywide Home Loans Servicing XXXX. When BOA was assigned this note on XX/XX/XXXX they went into the NY Corporate Division to register AWL on XX/XX/XXXX fulfilling the deception that Countrywide admitted int eh lawsuits that were carried out in the Great Recession of XXXX ' the Biggest Scam in American Real Estate. This is " Securities Fraud ''. The Note and Mortgage are void because the alleged Lender America 's Wholesale Lender stated to be a New York Corporation, was not in fact incorporated in the year XXXX or subsequently, at anytime, by either Countrywide Home Loans, or BOA, or any of their related corporate entities or agents. America 's Wholesale Lender, and its predecessors in interest had no right to receive payment on the mortgage loan because the loan was invalid and therefore void because the corporate mortgagee named therein, was non-existent, and no valid mortgage loan was ever held by America 's Wholesale Lender or its predecessors in interest. The alleged assignment of Mortgage which purported to transfer interest in this mortgage to XXXX XXXX XXXX XXXX XXXX XXXX Countrywide Home Loans Servicing, LP as assignee was invalid because Mortgage Electronic Registrations Systems Inc. XXXX MERS XXXX, as nominee for America 's Wholesale Lender had no Authority to assign the ownership interest of said mortgage because XXXX was not the owner of the subject mortgage and was only a nominee for America 's Wholesale Lender, an alleged New York Corporation which was non-existent Corporation. Said purported assignment was without authority, and therefore invalid.
Product: Credit reporting or other personal consumer reports

I had a service with the telephone company XXXX, which requested cancellation in the month of XX/XX/XXXX, from whose service I paid a final amount of XXXX dollars on XX/XX/XXXX, to which I supposedly owe XXXX dollars that they never notified me, when I ask for information about the report of an account in collection they tell me that that account does not exist in their company, so I request that an account in my credit report of XXXX dollars be removed from my credit report since I do not have any outstanding balance with that company.
Product: Debt collection

Upon reviewing my credit report I noticed a debt from a company that I have no knowledge of. I didn't receive any documentation verifying this debt or anything of the sort. I am not aware of this account and would like it removed because I didn't receive a right to dispute or written notification.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion regarding the reinvestigation results for previously disputed items on my credit report. The following accounts remain inaccurate and incomplete, and I believe the reinvestigation procedures failed to meet the requirements of the Fair Credit Reporting Act ( FCRA ). 

Despite my dispute, these items came back as verified, yet there is no indication that TransUnion properly verified them with the original creditor or ensured that the reported information is accurate and complete. Additionally, TransUnion has me listed under the name XXXX XXXX, which is not my name. I have included a copy of my photo ID and Social Security card as proof of my correct identity. Since these accounts are being reported under an incorrect name, they can not be considered verifiable. 

Here are the accounts in question 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 XXXXXXXX I expect TransUnion to : -Provide detailed documentation of how each account was verified , including the methods and sources used .

-Provide evidence that the information was verified directly with the original creditor.

-Remove these accounts if TransUnion can not substantiate the accuracy of the reported information.

Under the FCRA, credit reporting agencies are required to perform reasonable reinvestigations when disputes are submitted. Based on the results of my previous disputes, I believe that TransUnion did not properly handle this matter.

Please address this issue promptly and provide a written response detailing the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute Pursuant to FCRA as well as a debt validation letter regarding several accounts on credit report. Also a statute of limitation on collection companies. See the companies below ; 1XXXX XXXX XXXX, 2. 2 XXXX XXXX XXXX and 3.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my report on XX/XX/2022. They sent back letters in XX/XX/2022 stating that everything was verified correctly. I requested my credit report, and it is still showing inaccuracies. 

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 data is inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Prepaid card

I received a letter from Money Network XXXX XXXX, XXXX with the last XXXX digits of my Lost Economic Impact Payment Card, I never received my EIP card or it's complete number. It is impossible to get in contact with them. I sent a letter return receipt requested and there is no reply. As a low-income XXXX years-old-senior this economic help will mean a lot to me.The total amount XXXX payments XXXX of {$600.00} and the XXXX  of {$1600.00} Please help me.
Product: Credit card or prepaid card

On XX/XX/XXXX two of my credit card accounts were closed by Chase. The reason I was told they were closed was because my account is delinquent, bankrupt, or in a payment program none of which are true. I have been sending negotiable instruments/coupons every month on time for all 3 of my accounts since XX/XX/2022. I have also filed1099a forms to settle the account and Chase refused. Chase refuses to accept the coupons and credit my account. Chase is in constant violation of UCC 3-603. None of my coupons have been returned for dishonor and I have not received any instruction on how they would like the coupon endorsed for proper acceptance. My accounts are not delinquent and have been paid on time every month however Chase refuses to abide by the law.
Product: Mortgage

I have lived in my home for 23 years and have had an interest only with a 2nd mortgage after the last refi. Wells Fargo bought this mortgage from the refi lender over 10 years ago and I signed no papers. The process was just that I was paying this lender now you pay the mortgage to Wells Fargo and it is a 30 year interest only loan. Once I stated paying Wells Fargo I noticed the 2nd mortgage was now a credit line at interest only at 8.75 % interest. I thought this was odd. <P/>I recently got a notice from Wells Fargo that in XX/XX/XXXX the loan was going to increase .50 % and change to interest and principle. I am scared to death with this change and had no knowledge that my interest only loan would ever convert to an interest plus principle loan. <P/>I have had some major life events in the past 3 years that add a significant fear of loosing my house. My husband passed away in XX/XX/XXXX and in XX/XX/XXXX I lost my XXXX figure income job due to job elimination as their business was declining. I am XXXX years old and have secured employment but at 30 % income of what I was at before. I am making ends meet by taking on a roommate and my late husband 's social security. I am barely making on the current interest only % and will not be able to pay the ( I think - {$1600.00} ) increase. <P/>I want to work until I am XXXX and stay in this house so I can retire at the maximum social security. I have tried working with several brokers to do a refinance and distance myself from Wells Fargo based on the latest legal issues with this bank. I am concerned they do not care about any of their customers and will only take out their self inflicted losses at the expense of their other customers ( me for example ). <P/>I do not want to be forced out of my house. Is there anything you can do? No one explained to me that this interest only mortgage would ever convert to an interest and principle loan or I would have handle my investments over the years completely differently. Also quite awhile ago I got a notice Wells is requiring full payment of the credit line in XX/XX/XXXX that was a 2nd Mortgage. I never signed up for a credit line and have not used it that way. <P/>Is there anything you can do to help me?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ). 

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( s ) in question are as follows : XXXX XXXX XXXX XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

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


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

I pulled my credit in XX/XX/2020 and discovered inaccuracies I filled out an identity theft affidavit an reported the incorrect incorrect information to all 3 credit burrows there has been no resolve to my complaints.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent accounts XXXX XXXX, infinite financial, XXXX XXXX XXXX XXXX has Violated my rights. 
15USC 1681SENTION 602 STATESI HAVE A RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604 ASECTION 2 it also States a Consumer Reporting Agency Can not furnish a account withoutmy written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as a late for and purpose.
Product: Checking or savings account

I had a company previously on my name. I used pp account using that company which worked for 3-4 months but after that it was limited I don't know why. Now after a year, I have set up a new company which is on my Father 's name. I am My father using all his details on PP as well but as soon as I created the account, they sent me this notification for limit. 
I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform. 
I then got a notice that PayPal is permanently limited I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back
Product: Debt collection

Alleged Debt Collector is attempting to collect a debt to which I am not aware of.

I am requesting a debt validation with the intent to have a court order issued to cease and desist any further action against me or my credit file unless the debt is fully and aggressively investigated per the attached debt validation letter.

Any further actions ( ANY ) by the debt collector will be dealt with in all legal facilities available under F.C.R.A and any other laws at my disposal to pursue legal actions.

See attached Debt Validation Letter.
Product: Debt collection

I have been receiving voicemails from a company stating that I am going to be sued and arrested for a debt. I have never called back. Today, I answered a local number and it was from  XXXX   XXXX   XXXX  stating that they are the collection agency for Continental finance. I possibly owe this debt and have tried to resolve this in the past. Today at  XXXX  I answered the call because it was a local number. The lady yelled and stated that I am being sued and I need to show up for court. I requested to stop the threats and mail me a letter and I can try to resolve it. She then proceeded to futher threaten me with arrest and I asked to please mail me correspondence about this debt. She stated she would contact my employer until I was fired or they would come to my job to arrest me. BAD BUSINESS. If I owe I will pay but I am not going to tolerate threats and violations of my rights as a consumer.