23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The Civil Rights Division of the Department of Justice, created in XXXX by the enactment of the Civil Rights Act of XXXX, works to uphold the civil and constitutional rights of all persons in the United States, particularly some of the most vulnerable members of our society. The Division enforces federal statutes prohibiting discrimination on the basis of race, XXXX, XXXX ( including XXXX, XXXX orientation, and gender identity ), XXXX, religion, familial status, national origin, and citizenship status. I confirm that this is a violation of civil rights and I will seek compensation for the damages
Product: Debt collection

My wife and I applied to live at this apartment complex but ultimately decided not to move forward due to a series of issues. Before submitting our application, we were informed that the application fee would be waived. However, when we began the process, there was no option to bypass the fee. We reached out to the property manager for clarification but received no response.

To avoid delays, we proceeded with payment of the {$350.00} application fee. As shown in the attached email, the fee was later refunded to our bank account. However, we were surprised to find that the balance, along with interest, was subsequently reported to both my and my wife, XXXX XXXX XXXX 's, credit reports. 

We would like to get this issue resolved effective immediately and appreciate your assistance in this process.
Product: Mortgage

This is an addition to a complaint that Ive already submitted ( XXXX ). Please help. I shouldnt owe this amount of money. XXXX is definitely not part of anything if they were paying them? I have a recent paper here that states I owe $ XXXX not $ XXXXmy pay off was $ XXXX in 2011 when starting the bankruptcy. I made every payment on time throughout then after for 7 years! This is definitely wrong and theyre all robing me! Also I received a paper that states that if I pay a regular mortgage payment that it will be in a suspense account until the full $ XXXX is paid. This is wrong!! Please help. Im adding what I could find. Thank you.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

According to the mortgage statement dated XX/XX/2021, total balance owed was {$98000.00}, minimum payment due date was on XX/XX/2021. 

An amount of {$88000.00} was paid on XX/XX/2021, and another {$7000.00} payment was made on XX/XX/2021. These two payment amounts should reduce the total balance to {$3900.00}. 

However, according to the mortgage statement dated XX/XX/2021 : 1 ) A past due amount has incurred. Payment was made before the due date XXXX XX/XX/2021 ). 
2 ) Only {$82000.00} was applied instead of the {$88000.00} amount that was paid on XX/XX/2021. 
3 ) An excessive interest rate amount has been charged even though the principal balance has been significantly reduced after payment was made on XX/XX/2021. 
4 ) Balance Subject to Interest Rate is {$8700.00}, but the new statement balance indicated on the upper right hand corner of statement is actually {$9500.00}. An excess amount of {$770.00} has incurred.
Product: Credit card or prepaid card

CFPB XXXX XXXX CareCreditXXXX Account Number Ending in XXXX This is in response to case case you closed because the company responded with inaccurate information. They proceeded with making the glasses after I told them not to proceed, there is no reason to continue to manufacture after I cancel or produce the reason other that my signature on the order. This seems to be some kind of Fraud or Swindle act by the Credit company in cahoots with the eyeglass store. I can not send a letter by email to CareCredit so the letter attached I will have USPS deliver.
Product: Debt collection

I owed XXXX some money then I filed bankruptcy. The debt was included in my case and was discharged. Even knowing the debt was discharged XXXX blocked my account and still asking me to pay the money. Can I file a lawsuit against them?
Product: Mortgage

In XXXX of XXXX a hurricane hit my area causing some damages to my home. I am a mail carrier as well an due to this hurricane my hours were cut and income decreased significantly causing me to get behind on my mortgage. Also, due to the weather I contracted XXXX during this same month. I contacted SPS servicing an explained to them my situation ; they offered me a 3 month forbearance on my account and stated that once the forbearance was over I would be able to apply for mortgage assistance were they would take the past due toward the backend of my loan giving me a partial claim. I reached out to them close to the end of my forbearance period for mortgage assistance and provided all requested documentation, only to be denied instantly. Most recent I applied for mortgage assistance on XX/XX/XXXX. I called the mortgage company on XX/XX/XXXX they advised my paperwork was received on XXXX XXXX and also denied the assistance on the exact same day XXXX XXXX. This tells me they never gave me a proper review for mortgage assistance again. When I requested the Denial letter with the specific reasons, they sent me a denial letter without the specific reason to allow me to appeal the denial decision. During my time of review SPS issued me a foreclosure date which is in violation of the CFPB dual tracking of foreclosure guidelines. During this time of requesting mortgage help, they never assigned nor was I directed to a point of contact to explain my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CLIENT NAME recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Product: Debt collection

American Express is constantly sending me emails and messages on my phone regarding my debt. I received emails every other day. The emails and phones started back on XX/XX/XXXX - XX/XX/XXXX. They just wont stop and are very rude and disrespectful of my time and space. 

I've sent them a 15 USC 1692c c letter which refers to under the Fair Debt Collection Practices Act ( FDCPA ), informing them that the consumer wishes to cease all further communication regarding a debt, effectively telling them to stop contacting me about the debt ; this is based on the legal provision found in 15 U.S.C. 1692c ( c ) which outlines a consumer 's right to stop debt collection communication by sending a written request. And they still continue to harass me and be rude. 

My debt was sold without my knowledge to a third party with no chance to approve or pay the debt off. This company is very unprofessional and make paying your debt back hard and uncomfortable. I've never been harass like this before and it's scary. Please help!
Product: Credit reporting

XXXX for ( XXXX ) removed off of my XXXX Credit report on XX/XX/2017 and XXXX for ( XXXX ) was removed off my XXXX Credit Report on XX/XX/2017 and Equifax refuses to remove it from my credit report when it has been previously disputed and removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXs # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Product: Credit reporting or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$0.00} ; CHILDSUPPORT XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$830.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ) .This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPT EDXXXX XXXX, DPT EDXXXX XXXX , DPT EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account number ( s ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have 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

Experian appears to be mishandling personal loan records as used to calculating FICO scores. I have recently restructured $ XXXX of debt. It has been more than 30 days since I have done so. Despite a basically perfect history of payments to my debt, several of the personal loans and credit cards lied about reporting in a timely fashion, suggested I would have to wait 90+ days for them to report, and after multiple disputes with Experian , XXXX and XXXX I 've finally gotten them all to reflect that I have less than {$400.00} of credit card debt at this time ( in actual fact it was {$0.00} until yesterday XX/XX/2016 ). I have been forced to pay $ XXXX a month to Experian and XXXX to track the status of their reviews and my accounts which have been repeatedly incorrect and in the case of at least XXXX account the incorrect balance cycled multiple times from {$14.00} to {$1000.00} all the while never being anything but {$0.00} for more than 30 days. I have now noticed twice that Experian has suddenly reduced my credit score by as much as XXXX points because first they do n't notice I have XXXX remaining personal loans ( XXXX auto loan, XXXX unsecured loans ). Then their own system explains they are deducting points from my score for having XXXX or XXXX personal loans. I have called twice on this matter. No one can explain why one part of their system says I have XXXX personal loans ( correct ) while the FICO score system reports I have currently XXXX personal loans ( incorrect ). Once their system does this, it is always a matter of 48 hours before myFICO reports the credit score deduction. I will attach a document to my complaint showing on their website the report of XXXX personal loans. It is not acceptable to me that I restructure my debt to gain control over {$1700.00} a month in income only to have my credit worthiness misrepresented by Experian who charges me a monthly fee of more than {$20.00} for the pleasure of making me chase them to report valid information.
Product: Debt collection

Company is suing me in court. I sent a debt validation letter to them and to the court. I have not received proper paperwork within 30 days. I want the debt deleted and removed from my credit score immediately.
Product: Debt collection

I am disputing this item because I am no longer responsible for this debt. When we bought our home, the realtor XXXX XXXX paid the remaining months from the lease with XXXX. XXXX did receive the funds via check from XXXX XXXX on what was owed along with a signed statement between all parties. 

Now XXXX has sold this debt to IQ Data International. Now IQ Data International has been calling daily, constantly from different numbers from XXXX to XXXX. I have never heard of this company, we have no dealings with this company in any form.I had no idea this debt was on my credit until I checked it. Per law, you can't just add anything to a person 's credit report and have not contacted them via mail verifying the debt. Calling and leaving no messages but demanding and threatening I verify myself when I answer my phone is ILLEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding my XXXX account : XXXX. The dispute was resolved by your company in XX/XX/2018. This caused a huge drop in my credit score. I want to know what fields were changed in my credit report on this specific account, after the dispute was solved from your end. What information was edited on this specific account and how it differed from what was reported prior to the dispute. Was the " status updated '' date changed? Was the " charge-off amount '' changed? Was the debt renewed? What additional comments or information was added to this specific account? 

Please reply with all the information that was edited after the dispute was solved.
Product: Money transfer, virtual currency, or money service

This is a continuation of my earlier complaint against Wells Fargo Bank in CFPB case no. XXXX filed on or about XX/XX/XXXX. Following the response submitted by Wells, I submitted the following feedback alleging wrongful conduct committed by Wells : " Wells Fargo 's response is completely inadequate based on the clear facts of this case. According to information Wells provided to XXXX XXXX. Sheriff [ see pg. XXXX of Sheriffs report ], a total of {$XXXX} was withdrawn from the fraudsters account on XX/XX/XXXX and XX/XX/XXXX following receipt of the first wire of {$XXXX} from XXXX Bank on XX/XX/XXXX. Therefore those funds were no longer in that account and were not available for return to XXXX. According to Wellss own admission in its response dated XX/XX/XXXX at par. 5 : After a fraudster has obtained the funds, the wire transfer can not be reversed. Accordingly, Wells return of {$XXXX} to XXXX on XX/XX/XXXX was improper and should not have occurred. 

On XX/XX/XXXX the second wire from XXXX Bank in the amount of {$XXXX} was received ; and also on XX/XX/XXXX the wire from XXXX XXXX in the amount of {$XXXX} [ my funds ] was received. It is not yet clear the precise time of day when each of those XXXX separate wires was received. 

What is clear from the information in the Sheriffs report provided by XXXX is this : My {$XXXX} funds from XXXX XXXX were recalled for fraud per XXXX case no. XXXX ; and the second {$XXXX} wire from XXXX was recalled for fraud per XXXX case XXXX. XXXX ; and the earlier XX/XX/XXXX wire from XXXX was XXXX per XXXX case XXXX. XXXX. Those case numbers indicate that my recall request from Capital XXXX [ case no. ending in XXXX ] was assigned a lower case number because it was received earlier than either of the XXXX recall requests from XXXX [ case nos. ending in XXXX and XXXX ]. 

Notwithstanding the fact that my recall request from XXXX XXXX was apparently received first, XXXX nevertheless returned funds to XXXX on XX/XX/XXXX in the amount of {$XXXX} and again on XX/XX/XXXX in the amount of {$XXXX}, which actions depleted the balance in the fraudsters receiving account down to XXXX. 

The clear conclusion to be drawn from these facts is this : My {$XXXX} wired funds which was recalled first was wrongfully included in the XXXX amounts returned to XXXX totaling {$XXXX}. Therefore, XXXX actions were wrongful and should not be permitted to stand ; and this investigation should not be closed. I am entitled to a full refund of my {$XXXX}. In addition, XXXX should pay interest on that amount at the highest available rate of interest compounded daily from XX/XX/XXXX until the date it is returned. "
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus XXXX, XXXX, transunion are reporting incorrect information on my credit report such as names my social i have a social security number on my credit report that doesn't belong to me reporting fraud accounts I need accounts that do not belong to me remove and deleted XXXX XXXX /ACCOUT # STARTING XXXX XXXX DOES NOT BE LONG THE SAME ACCOUNT IS REPORTING TWICE FROM THE SAME CREDITOR THIS NEEDS TO BE DELETED DATE OPEN XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER STARTING WITH XXXX IS NOT MY ACCOUNT NEEDS TO BE DELETED /DATE OPEN XXXX XXXX XXXX. XXXX XXXX ACCOUNT NUMBER STARTING WITH XXXX XXXXXXXX THIS ACCOUNT DOES NOT BELONG TO ME NEEDS TO BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT THIS NEEDS TO BE REMOVED AND DELETED XXXXI HAVE A SOCIAL SECURITY NUMBER ENDING XXXX REPORTING ON MY REPORT WHICH IS NOT MY SOICAL CREDIT NUMBER THIS NEEDS TO BE REMOVED AND DELETED THIS IS FRAUD EVERYTHING ABOVE NEEDS TO BE DELETED ABOVE OR I WILL BE FILING A LAW SUITE TRANSUNION XXXX.MY NAME IS XXXX XXXX XXXX NOT XXXX THIS NEEDS TO BE FIX XXXX XXXX SHOWING A BALANCE OF XXXX THIS IS NOT MY ACCOUNT NEEDS TOI BE DELETED OFF MY REPORT XXXX XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACOUNT I EXPLAIN THIS I DID NOT OPEN THIS ACCOUNT XXXXXXXX XXXX  XXXX DATE OPEN XX/XX/XXXX THIS NOT MY ACCOUNT NEEDS TO BE DELETED HAVE XXXX ACCOUTS HOW WHEN XXXX WAS NOT OPEN BY ME HARD INQUIRIES XXXX. XXXX WAS NOT INQURIE BT ME THIS IS FRAUD THIS NEEDS TO BE DELETED XXXX. XXXX XXXX XXXX NEEDS TO BE DELETED I DIDNT APPLY FOR THIS XXXX. XXXX XXXX XXXX XXXX WAS NOT ME THAT APPLY NEEDS TO BE DELETED XXXX XXXX XXXXXXXX XX/XX/XXXX NEEDS TO BE DELETED XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX XXXX XXXXXXXX NEEDS TO BE DELETED XXXX XXXX XXXX XXXX NEEDS TO BE DELETED XXXX FROM MY UNDERSTANDING IT WAS A DATA BREACH MY PERSONAL INFORMATION WAS EXPOSED AND ACCOUNT NEEDS TO BE DELETED THAT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ADRESS NEEDS TO BE DELETED NOT MY ADDRESS HARD INQUIRIES XXXX XXXX XXXX DATE XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX XXXX XXXXXX/XX/XXXX NEEDS TO BE DELETED
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX, IL XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information reported on my credit
Product: Checking or savings account

On XX/XX/XXXX, my online banking, debit card, and checking account were compromised. I spoke to Wells Fargo in XX/XX/XXXX and was told that my online banking, debit card and checking account would be frozen. On XX/XX/XXXX, a fraudulent transfer of {$1900.00} was made from my credit card ending in XXXX to my checking account. {$700.00} of this money was fraudulently withdrawn from my checking account. Once I was made aware of this fraudulent transfer and withdrawal, I contacted Wells Fargo to file another claim for my credit card. My claim was denied by credit card claims because they stated since the {$700.00} was withdrawn from my checking account, I would have to file a claim with the checking department. I was transferred to the checking department and spoke with XXXX who stated I would need to speak with the debit card department and assured me that I would be transferred to the correct department. I then spoke with XXXX who was extremely rude and stated that she needed to double check something. When asked what she needed to check, she falsely stated that she could not tell me what she was checking for my own privacy. I asked to speak to a supervisor and after placing me on hold for 5 minutes, she stated that a supervisor would not be able to speak to me. XXXX then stated that she would have to transfer me to credit card claims. I reiterated that I had already spoken to credit card claims who transferred me to checking who then transferred me to debit card claims. I asked XXXX how the funds were withdraw from the account in an attempt to clarify why I was transferred to debit cards and she refused to answer my question. XXXX then went silent on the call and would not speak and I subsequently hung up after not hearing from her for several minutes. I would like assistance with recovering these funds without getting bounced around as I have been.
Product: Credit reporting or other personal consumer reports

I have inquires on my report that resulted in unauthorized usage
Product: Credit reporting, credit repair services, or other personal consumer reports

In putting my personal information in so I can have access to my credit report on XXXX XXXX XXXX From EQUIFAX Credit Report I click Equifax it said ready to get your report? Please enter the last four digits social security number to confirm your request and access your personal credit data. I do all that it ask it still will not let me have access to my credit report .I answer all security questions correct.still no access to my credit report on line. Equifax will mail me out one with no problem just received my report by mail 3-weeks ago. Equifax will let me access MY EQUIFAX.COM that they offer online but refuse to give me online access annual Credit report.