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

Im submitting a complaint to you today to inform you I was a victim of identity theft. I sent the required documents to https : //www.ftc.gov or FEDERAL TRADE COMMISSION XXXX So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX. Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Hello there how are you doing? I just need Ally Financial to update the amount owed to them for the debt of XXXX acct number XXXX the amount that need to be updated is XXXX its updated on XXXX XXXX to that corrected amount and need to be updated with XXXX  XXXX and XXXX on XXXX  app in my report also please this need to be changed As soon as possible it is destroying my score need to be updated so I can get ahead in life and get out of my financial situation please this is urgent thanks so much
Product: Credit reporting, credit repair services, or other personal consumer reports

We went into forbearance with our mortgage through XXXX, in XXXX, due to covid. After receiving the stimulus money we paid our mortgage for XXXX and XXXX in XXXX. XXXX is reporting us late for XXXX and XXXX which is incorrect. We asked them to fix it and they deny that theyve reported it late. We then placed a complaint with Experian and they said XXXX reported us late!
Product: Credit reporting or other personal consumer reports

I've repeatedly disputed a debt on my report that started with an apartment community fraudulently adding XXXX illegally. I never received any communication until it was put on my credit report two months after I moved out. Every time it's sold from debt collector to another one it goes up XXXX to XXXX and never having seen any breakdown of those charges. The judgement was for XXXX of back rent not XXXX dollars!! Experian not any of them credit reporting agencies are investigating properly. They have not seen original paperwork at all. I'm going to sue them my next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

The account was closed a year ago. I am in a very difficult financial situation right now. I can't pay this amount.
Product: Payday loan, title loan, or personal loan

I applied for a {$15000.00} personal loan in 2019 and it was approved at a fixed 14.72 % interest rate for 60 months. The first payment was done on XX/XX/2019. My monthly payment is {$350.00}. However, the amount of interests charged is much higher than the interest stablished in the contract. Out of the {$350.00} payment, between $ XXXX {$170.00} is being applied toward interest every month. 
When I first noticed this problem on my first statement I contacted the Citizens Bank Customer Service where they explained that this irregularity was due being the first payment and it was going to be readjusted in future payments. Something that appeared nowhere in the loan documents I signed. 
I've made 25 monthly payments since then and this irregularity has not been resolved. Not just the rate is higher and irregular every month, the dollar amount the credit was going to cost me ( {$6200.00} ) has been overpaid and my balance has decreased less than {$5000.00}. 
This lender is not respecting the terms of the loan contract and it's using predatory, illegal practices.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

Midland Funding Credit Management continues to call in reference to a debt that was settled last year XX/XX/2016. Receiving several calls a day from different numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX A SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Auto  Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX  S Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX + Automobile Dealers, XXXX   XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Inquiry details XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

XXXX, XXXX A SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

I have been trying to get a loan modification but Wells Fargo hasnotgiven me a loan modification instead they have advised me by letter they were going to raise my mothly payment for escrow from the original {$1500.00} per month by {$100.00} & due to being in default because of lost of job trying to find a new one paying anywhere near what i was making after months of calling them for last 2 years ion which it took that long for me to hear from them they claimed they were giving me a modification the amount came back to the same amount i originally paid before the escrow was added i was told by their representative that i did not take it they could decide to not give me a modification at all worthy could increase it altogether i have filed for bankruptcy but has been dismissed now they have tacked on astronomical fees for an attorney in which they have not done anything to try to help me get back n my feet i have now been making payments monthly for they amount they have requested on time but can not get them to make a reasonable offer to help me get caught up by putting this amount on the backend of the loan i went to make payment on time recently XX/XX/19 they refused my payment for the monthly mortgage what i have been reading about is wells fargo has happened to me also with any of their banking representatives trying to help me instead of intimidate me into situation if i do not agree that my taxes & bank statements show clearly nit making same amount each month
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS THAT NEED TO BE DELETED FOR FRAUD XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXXXX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( AUTO ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reduced my score over the course of 1 month ( report dated XX/XX/XXXX to report dated XX/XX/XXXX ) by 52 points ( XXXX to XXXX ). I called and asked why this happened so suddenly, considering that there was very little change in my credit profile from month to month. There have only been minor changes to my credit profile including closing 1 account and a reduction in my overall debt by {$400.00} and an inquiry for a mortgage pre-qualification. I do not consider a 52 point reduction for these items as an appropriate image of my credit, especially when my wife and I are in the process of buying a house. In comparison, my wife, who has had less overall credit history, has a score much higher than mine, so the factors Experian presented to me as potential negative factors are not logical or consistent. Please advise on how action can be taken against Experian to correct this issue.
Product: Credit card or prepaid card

Wells Fargo is involved in fraudulent bank practices again. There was a misunderstanding with the city of XXXX as I opted for installment payments but a legal order was placed on my account, which I got it rectified with the city of XXXX on XX/XX/18 but Wells Fargo charged me a legal order processing fee of {$120.00}. I believe this to be a ripoff. I was never made aware of such a fee and I called to have it reversed and was told that it was in small print on page 46 of a supposed booklet or packet I received when I first signed up. I have had Wells Fargo for years and this is an outright scam. The lady on the phone said she could give me a partial refund but I want a full refund of my {$120.00}. Very dishonest banking practice. I will be closing my account and never banking with Wells Fargo again. I will also notify and warn other users on my social media and family and friends to beware of Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number 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 an account without my written instructions. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate. 

By definition The IRS Clearly says a Canceled or Charge is Income. The reporting of this account as a debt is inaccurate. 


In accordance with the Fair Credit Reporting Act XXXX XXXX  Account Number 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 an account without my written instructions. 

Congress clearly states if a consumer report ( credit report ) does not INCLUDE TRANSACTIONS or EXPERIENCES between the consumer ( XXXX XXXX ) and the person XXXX XXXX, XXXX ) making the report which makes your reporting of this account inaccurate and ILLEGAL. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to Transactions or Experiences between the consumer ( XXXX XXXX ) and the person ( XXXX XXXX, XXXX ) making the report ;
Product: Money transfer, virtual currency, or money service

I visited the Wells Fargo branch at XXXX XXXX XXXX, XXXX XXXX, Va XXXX on Monday, XX/XX/XXXXXXXX XXXX  to complete a wire transfer of {$120000.00} ( my portion of my mother 's bequest ) from my brother 's account to mine at XXXX XXXX XXXX  in the XXXX. The funds left my brother 's account on XX/XX/XXXX but have still not been received into my account over two weeks later. 

I emailed asking for an update/explanation on Wednesday XX/XX/XXXX and have not received a reply. The branch did call my brother on Friday XX/XX/XXXX to tell him that they funds would be in my bank account on Monday XX/XX/XXXX. They were not. 

I contacted my bank to see if they can trace, but they can not. They also confirmed that a wire transfer should take only 4 business days. 

I flew to the US from the XXXX for a weekend for the purpose of receiving my estate cheque and facilitating its arrival in the XXXX as quickly as possible. I never imagined a bank would take advantage of this situation for their own profit.
Product: Money transfer, virtual currency, or money service

Hello, recently I created a venmo accoount on the XXXX of XXXX, I also received funds that day. A buyer of mine had venmo and my paypal account wasn't working so I decided to create venmo quickly and get the money sent. Later on I attempted to transfer my funds to my bank which worked and it was in processing until XX/XX/XXXX. XX/XX/XXXX comes around the money isn't in my bank and my account is suspended. My bank transfer was canceled and now my money is on hold for 180 days. I am a brand new customer of venmo, I sent out countless emails to their lackluster support team. Lack of communication, lack of transparency for the reason my account being suspended even when its new, ZERO cooperation, and stealing money I WORKED HARD for, nothing they did but for work I myself put in and yet venmo decides to hold my money hostage. As a renowned e-payment company, its disgraceful behavior to treat their new users like this. I felt disrespected and disappointed. Their support team gave me nothing but robotic responses and gave me no help at all. My account is in the images below. I expect this issue to be fixed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by TransUnion. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt.

The debt is validated to ensure that the reported information is complete and accurate.

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ).

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law.

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response.

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt.

The name of the original creditor.

A statement indicating that the consumer has 30 days to dispute the validity of the debt.

If the consumer disputes the debt, the collector must provide written verification.

If the debt is not properly validated, it can not be legally reported or collected.
Product: Debt collection

This is related to another complaint I filed today but I have discovered the name of the collection agency that posted inaccurate and unverified information to my credit report. The information was filed by " Diversified Adjustment Services, Inc '' on behalf of XXXX. This collection agency did not, as I requested, send me any proof that they were the holders of a debt that I owed. They showed no proof of assignment from XXXX to their agency and could not even verify the account information. I disputed the debt but instead of erasing it from my report they included false information such as " 30 days late '' which does not even exist for a collection item. The account was subsequently sold to XXXX, who I called and they deny having filed any info with the credit bureaus. The actions of Diversified/XXXX and/or XXXX have caused my XXXX credit score to plummet over XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX Capital XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

EOS CCA ( Original Creditor : XXXX XXXX ) HAS BEEN FRAUDULENTLY REPORTING ON MY PERSONAL CREDIT REPORT. THIS BATTLE HAS BEEN GOING ON FOR ALMOST A YEAR NOW. I HAVE SENT DEBT VALIDATION TO THEM DIRECTLY AND THEY HAVE NOT LAWFULLY PROVIDED BONAFIDE PROOF OF THIS COLLECTION. I KNOW IT IS NOT MINE. I HAVE SENT CERTIFIED MAIL TO THE XXXX XXXX, XXXX AND XXXX ABOUT THE SAME. I AM GOING TO SUE BECAUSE IT SEEMS THEY CAN VIOLATE CONSUMERS AND NO REMEDY.
Product: Debt collection

I went into XXXX XXXX XXXX XXXX to purchase an XXXX watch but change my mind about the watch. Ever since that day I have received a bill from XXXX XXXX XXXX although I never established service. I called XXXX XXXX XXXX last year and they told me they never seen any activity on the phone number that was assigned to this bill and they told me they removed the charges. I recently tried to get a phone service with XXXX XXXX XXXX and they claim that I owe a bill for this service that I never had. This is fraudulent billing and I do not owe XXXX XXXX XXXX  because I've never had service with them. Also they have turned this bill over to AFNI collection service for {$150.00}. Please remove this bill as I have never had service with XXXX XXXX XXXX.