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

I currently have a freeze on my credit report with transunion and have reported not being able to remove the freeze to apply for credit. I have contacted them several times and no can seem to find out why when I login to my account there is issues with accessing and removing my freeze on my credit report. They have been no help either via email or phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my 3 credit reports and the negative information found is not accurate.I have disputed these items. But without accurate and fair resolution. The items on my report in question are from " Capitol One '' " XXXX XXXX XXXX '' " XXXX '' " XXXX XXXX XXXX '' 15 U.S.C 1681 section 602 A. Rights to Privacy 15 U.S.C 1681 section 604 A. Consumer Reporting Agency can not furnish reports without my consent.

15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting and ( b ) Reasonable procedures
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

On XX/XX/2023, I ordered a new Wells Fargo card and in this process they offered a low-rate balance transfer. I provided a sixteen-digit account number from XXXX XXXX XXXX and they did not confirm it but later showed me that it was sent to XXXXXXXX XXXX XXXX I called immediately and said I am not requesting funding go to XXXXXXXX XXXX and they said they did not see any pending and would likely need to be re-processed. XXXX week later the card account showed the balance of {$4600.00} ( the {$4500.00} balance transfer with the {$130.00} balance transfer fee ). I called on XX/XX/2023 and Wells Fargo said contact XXXX XXXX to see how to get it sent back to Wells Fargo but they had no number to contact at XXXXXXXX XXXX. I called XXXXXXXX XXXX as they were on the phone for nearly XXXX minutes attempting to locate this lost funding. 

Wells Fargo should do a much better job verifying where they are sending funding and assisting consumers when a card is not applied correctly as requested. A simple mailing address and verification of the recipient of the funding would go a long way. Obviously, the customer service person from Wells Fargo did not care to hear suggestions for improvement.
Product: Debt collection

I opened a XXXX XXXX Credit Card in XXXX, and kept my account unused when I was notified that my account was closed. This year ( in  XXXX ) I was served a notice to court to either appear for or pay past due balance of {$2300.00} from Blitt & Gaines, PC ( a bill collecting attorneys office ). When I contacted XXXX about the issue and the fact that had no idea about the charges to my account and therefore had no knowledge to take actions against the apparent fraud against my account I was told that there was nothing they could do because they had sold the account already. When I got in contact with the dept collector, they told me that there was nothing they could do but settle for an amount that was more than {$1400.00}.
Product: Debt collection

XX/XX/21 I was never told I can validate my debt. Pursuant to 15 USC 1592g. 
I would like to get everything back from them to do so.
Product: Mortgage

My loan has been delinquent for years I explained to the mortgage company my hardship which was my home was severely damaged during the XXXX storm and was not able to reside in my home and for two years no one lived there while I finished all repairs and started the renovation process since then I finished quit a few packets for loan modification and have provided every paperwork that they requested. I have proven to afford my home and have passed state and county home inspections to occupy my home, I would like assistance in my loan because I can afford my home and I want to keep it.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
Accounts : XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my Equifax credit report on XX/XX/year> XXXX I noticed incomplete and inaccurate information. According to the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports, as stated in 15 U.S.C. 1681e ( b ).

Additionally, under 15 U.S.C. 1681i ( 5 ), inaccurate or unverifiable information must be addressed as follows : 1.If, after a reinvestigation under paragraph ( 1 ), any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) Promptly delete the item of information from the consumers file, or modify it to reflect accurate information. 
This failure to comply with these federally mandated procedures constitutes a violation of my rights under the FCRA. I request immediate action to correct these errors and ensure compliance moving forward.
Product: Debt collection

XXXX XXXX, 2015 I received a XXXX page document from Southwest Credit Systems, L.P. stating that a delinquent account they claim is allegedly mine in the amount of {$310.00} for an apparent XXXX XXXX XXXX cell phone bill. On XXXX XXXX, 2015 I spoke with a representative who went by the name of XXXX. I requested for XXXX to re-verify the account was in deed mine. He claimed that his firm had already validated the debt by using my address. I attempted to explain to him and disputed the debt was not mine. I also requested he cross reference my social security number, middle initial, any previous addresses and the phone number that is in question. He stated that his firm had already done so. He then suggested to transfer me to the customer care dept. Immediately after the transfer I was disconnected. I believe that at the date and time of this call that the account was disputed. After several days of not hearing back from anyone associated with Southwest Credit Systems , L.P . I sent a letter disputing the same and included any and all information required to verify this account. On XXXX XXXX, 2015 I called back to Southwest Credit Systems. I spoke to a supervisor by the name of XXXX. She confirmed to me that the firm had indeed received my letter, however the account was still confirmed as mine. I explained to XXXX this call was an attempt to resolve the matter before the 30 day period of notice ends on XXXX XXXX 2015. I explained that I would seek to remedy this matter with legal action. After attempting to request for her to verify the debt as legitimate. She claimed the debt had in fact been verified. I called back approx. ( 1 ) hour later and spoke to a XXXX in the customer care dept. After not being able to get anything resolved and talking over each other I asked to speak to a supervisor. After a brief hold XXXX returned to the call and stated, " they said to take your number and someone would call you back. I question that comment due to the fact that all incoming calls and phone numbers are identified. With no other course of action I ended the call. This company filed the collection account to all three major credit reporting agencies on or before the XXXX of XXXX. Without making any attempts to contact me to verify the account. They have stated on more than several occasions and from different representatives that the account had been verified as belonging to me. Southwest Credit Systems has also failed to submit to my request for information documented in the XXXX XXXX letter ( see attached ). In addition they have violated the FDCPA statue [ 15 USC 1692e ] section ( 2 ) ( a ) and ( b ). Southwest Credit System failed to do due diligence in investigating and confirming the account was in deed mine and only used my personal home address in their verification process.
Product: Debt collection

I requested Debt validation and recieved no response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX HYUNDAIXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Unauthorized Credit Inquiry Dear Sir / Madam, I recently obtained a copy of my credit report. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. 
HYUNDAIXXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - This is not mine - please remove this inaccuracy from my report! 
Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
I have sent this letter via certified mail as it requires your prompt attention and response. Please forward any documentation that you may have in regards to the removal of this credit inquiry. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the fair reporting act everything must be reported 100 % accurate to the credit bureau. the credit bureau stated that my account was properly investigated. Based on the recent credit reporting my the date of last activity, last report date, open date and last payment date is incorrect. account number XXXX XXXX  XXXX
Product: Mortgage

My forbearance began in XX/XX/XXXX thru XXXX XXXX XX/XX/XXXX was Informed by Bank of America XXXXhat I had three possible options, repayment plan, modification, or deferment of payments to the end of the loan. I was later told I did not qualify for deferment since I had a missed payment. After evaluation, it was determined that repayment would not be an option because the payments would be too high. The best option would be to apply for a modification. I completed my initial application for assistance in XX/XX/XXXX and provided the requested documents. In XX/XX/XXXX Bank of America had questions about bank statements that were submitted. I provided letters of explanation. 
My initial paystubs were deposited in my daughter 's checking account-provided letter of explanation to Bank of America XXXX In XX/XX/XXXX was informed that the letter was not satisfactory-BOA was requesting my daughter 's bank statement. My daughter did not want to share the information .BOA would accept letter from my daughter 's bank verifying account. The bank did prepare that letter for BOA. In XX/XX/XXXX, I was informed that the information was not sufficient and assets could not be verified. I have resubmitted a request for mortgage assistance -my paystubs are now deposited into my account. I received a letter from BOA that assets could not be verified. I spoke to BOA and was asked to re-submit the application. I re-submitted the application and again received the same response. Bank of America has received all updated documentation but is sending the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt has been paid in full to the original creditor ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Idaho XXXX ) and should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I reach out to the companies and asked them to remove the inquires off my credit report on XXXXXXXX XXXX XXXX  They said they would it is now XXXXXXXX XXXX and I still the inquires on my credit report.
Product: Debt collection

not my debt.. XX/XX/20 credit monitoring company sent alert of suspicious activity.
Product: Credit card or prepaid card

On XX/XX/XXXX I booked a stay at a hotel through XXXX using my American Express credit card. I realized I did not use the rewards card I had intended to during my purchase so I cancelled it and made the same purchase again with my rewards card ( again, paying with American Express ). I received confirmation of cancellation from XXXX with an email saying that my American Express would be refunded for the initial cancelled stay. This did not happen. I reached out to XXXX several times to inquire about the refund and no one responded. I even gave them several months given COVID and the chaos I'm sure many companies were dealing with at the time, I thought it could take a while to sort out. When the day of the hotel stay arrived, I brought up the cancellation with the hotel, which said XXXX would take care of it since I had booked the stay through them. 

At this point I raised a ticket through American Express. I thought it was a pretty straight forward case - especially since I SHOWED them the email that confirmed my cancellation FROM XXXX. Recently I went in and looked up the status of the claim and found it was closed with no explanation and American Express wasn't refunding my funds. I was absolutely amazed since I was told by the merchant I would be refunded and XXXX FAILED to do so and despite having this cancellation confirmation in WRITING, American Express failed to honor it. I opened the case again. Recently, I was given a letter from American Express. In it, they explained that my initial dispute was closed in a " technical error '', but unfortunately now my case is " too old '' to investigate - which is their fault since they were the ones that closed my initial case in error in the first place. Also according to the letter, anything they do for me at this point is a " courtesy ''. 

I want the refund that I was clearly promised the DAY I cancelled this hotel stay. I have more than enough to prove that I am owed my funds back and American Express has dropped the ball enough. 

This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold to XXXX and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, USCB Corporation has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

Hello, I received a call from my XXXX XXXX XXXX grandfather that I received a piece of mail for me about a week before XXXX around the XXXX of XXXX, 2022. Having received a few pieces of junk mail in the past due to co signing on an auto loan many years back, I didn't rush to go pick it up. In fact, he called me a few days before XXXX to let me know that there was another letter that he received for me. I told him to bring them with him on XXXX eve to our family gathering. 

Flash forward to XXXX XXXX, my grandpa brought me a big envelope from a law firm called Stenger & Stenger from XXXX XXXX, MI. The other letter was from my local city Municipal Court. 

The law firm envelope had the entire lawsuit laid out in the envelope of a debt that I do admit I do owe money too. The very top document in the envelope was a Motion for Default Judgement against me essentially stating since I have not responded to the court documents issued on XX/XX/2022 that I should have a default judgement be made. 

The Municipal Court letter was to show that on XX/XX/2022. The Motion for Default Judgement was approved and now I owe them all the money and they won the lawsuit including court costs and a 3 % interest rate. 

My issue with this is that I've lived at my same residence for over the past decade. The company they are representing is XXXX and we lived here when this debt was incurred. How shady is it that when legal documents are issued, they sent info to the courts, not the address that they had on file for me, but to my XXXX XXXX XXXX grandfather 's address. Seems like they didn't want me to get these documents to be able to plead my case. Instead now I'm facing a judgement on me from the court system and it will be on my credit report that I have been working hard to get my score up on. 

Sad part of all this is, if they would have reached out to my correct address, I would have worked with them to get them paid down without any legal action. They just need to send information to my correct address for me to do so. As stated above, I've been working at getting my credit repaired and would have loved to help get this one off my list. 

Did I mention that I've never lived at my Grandfather 's address in my life? There is no reason for them to think I lived there. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

So every since I got my car with the bank Santander consumers theyve been charging my card and taking my money and then not applying it to my bill so then my bill is XXXX something dollars on top of that Im paying almost {$700.00} for a car thats having issues already. They are aware of them double charging me and they refused to refund me. So then they told me theyd just apply the money they took out my account to my future bills and now they are saying they lost the payment and that I had to pay XXXX dollars when they are already taking money out of my account, they say my bank reversed it but my bank did not reverse it. They even got on the phone with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 
XXXX XXXX  XXXX  : Last reported : XX/XX/2022 Open balance : {$3100.00} XXXX XXXX  XXXX XXXX : Last reported XX/XX/2022 Open balance : {$700.00} XXXX XXXX  XXXX  XXXX TX : Last reported XX/XX/2022 : Open balance : {$430.00} XXXX XXXX  XXXX XXXX XXXX : Last reported XXXX XXXX, 2022 : Open balance {$250.00} XXXX XXXX XXXX  : XXXX XXXX XXXX : Open balance {$230.00} XXXX  XXXX XXXX XXXX : Last reported XX/XX/2022 : Open balance {$62.00} 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 authorization.
Product: Payday loan, title loan, personal loan, or advance loan

I contacted RSVP on XX/XX/year> throught their support email stating I could not make payments and asked if there was other options to resolve my account. I never heard back about the email, only a text that my payment did not go through on XX/XX/year>. 
I tried XXXX times to call RSVP on XX/XX/year> and each time it would act like the call was picked up, then immediately disconnected. 
I tried on a different phone on XX/XX/XXXX with the same response. 
I called again on XX/XX/XXXX, same response. 
I called again on XX/XX/XXXX, XXXX different numbers and sent a complaint email, phone disconnected with each number and there was no response to the email. 
Now account has been sent to collections. Collector has incorrect information from RSVP. This should Not have gone to collections, I made several attempts to contact RSVP and resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to these companies numerous times about the inaccuracies on my report about an XXXX XXXX XXXX XXXX XXXX XXXXXXXXThey have continued to report my credit report as accurate when it is in fact inaccurate.They have yet to delete this false information. I would just like for this account to be deleted I didnt give permission to have these accounts furnished to my report. Below is inaccuracies circled that are reported from each credit bureau Transunion XXXX and XXXX
Product: Credit reporting

I have inquires on my credit report that do not belong to me. I have not applied for loans or cards from these companies but I still have hard inquired on my credit report Here are a list of inquires that are NOT mine see below. 
XXXX XXXX XXXX XXXX XXXX