23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX/XXXX/XXXX at approximately XXXX XXXX I called Ditech regarding a credit alert I received from XXXX Credit Monitoring, provided through the Fed Govt, regarding a past due payment of 120 days or XXXX or more payments that had posted on XXXX XXXX, XXXX. The XXXX email was sent to me on XXXX XXXX, XXXX. On XXXX/XXXX/XXXX I noticed a credit score on my XXXX XXXX had dropped from XXXX down to about XXXX which was confusing and concerning so I got on my computer to recheck the CSID email that showed the alert from Ditech XXXX 
When I called Ditech I spoke to XXXX and explained that what I had found on XXXX and that I did n't know who or what Ditech was, XXXX informed me they were previously Green Tree. After pulling up account info they had under my name it had reflected a prior loan that I had with them which was sold back in XXXX XXXX which I had done a short sale on. XXXX had never seen this issue before and put me on hold to ask a supervisor about it. When XXXX returned she informed me that Green Tree / Ditech had updated some previous accounts that had been missed in the past and that mine was XXXX of them. She told me that these updates should not reflect a negative impact or score on your credit, at which point I informed her what started my inquiry into all of this was noticing my credit score drop on my XXXX XXXX XXXX then told me that because this was something unusual that she was going to email my information up her chain to a supervisor so they can get it resolved and make sure my credit has not been negatively impacted. I provided XXXX my phone number and she stated that I should be getting a call back within 7 days with everything resolved. I checked back with Ditech 7 days later and was informed that XXXX had sent my case to the wrong department and it was kicked back sitting idle with nothing being done to resolve the issue. The Ditech representative assured me that she would forward it to the correct department for resolution, I am still wating for a response. 
On XXXX/XXXX/XXXX I contacted XXXX and they informed me that Ditech showed me as having XXXX accounts, XXXX of which was closed back in XXXX XXXX with no outstanding balance and the second account showing active with a balance of {$140000.00} and being 180 days late in payment as of XXXX and XXXX of XXXX. XXXX stated that the second account did show the same loan amount as the first account and stated it looked as if Ditech resubmitted the first account again. I submitted a dispute with XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Noticed unauthorized new account on my credit report contacted company and disputed with XXXX XXXX XXXX XXXX. Told them it wasnt me and claim was denied and to date Im still responsible. Also received call from XXXX XXXX  number XXXX whom I thought was legit in the case and after giving my info ( social etc. ) found out its a scam so now Im even more concerned and need my accounts frozen
Product: Debt collection

Affirm is stating I the consumer owe an alleged debt which is false they are using obscene and profane language, which is a violation of 15 U.S.C. 1692d ( 2 ) and a host of others violations which I have stated to them via a cease and desist letter. They have been illegally contacting me and abusing FDCPA laws.
Product: Credit reporting or other personal consumer reports

This complaint is against LexisNexis XXXX XXXX, which provides information about consumers ' driving history to auto-insurance companies. My auto policy with AutoOwners recently came up for renewal, and my rates had increased substantially. When I asked why, I was told it was due to inflation. I made inquiries with other auto insurance companies and got quotes which were mostly in line with my former company. I then tried on the XXXX website, and found a quote which was {$300.00} lower than AutoOwners. However, when I pressed the " submit '' button, the quote increased by over {$300.00}. I called the company to find out why, and was told by a XXXX supervisor that a company called LexisNexis had reported an accident on XXXX as being my fault, when it was, in fact, a hit-and-run which I personally reported to XXXX XXXX, and to which there were several witnesses. I asked my former insurance company if they showed it as an at-fault accident, and they said no, and sent me proof that they had recorded it as 0 % responsibility on my part. I then called XXXX back, and was given the original quote of {$300.00} less than my renewal rate with AutoOwners. 

I made several attempts to call LexisNexis, but was unable to get a live agent online. I was able to request a report, but it will not be delivered for a month. After filing the original complaint with an agent at CFPB, I realized that the agent completely mischaracterized my complaint and left out essential information. I did receive a response for LexisNexis stating that they did not have sufficient information to identify me, and therefor they could not investigate my complaint. Subsequently, I made at least 6 attempts to contact the company at the phone number they had provided, but each time I called I was transferred to a call center in the XXXX, and the agents refused to transfer my call to a US agent or to notify a supervisor. I have no intention of divulging my Social Security number to an overseas call center agent on an unsecured phone line. 

Tonight I tried to report the poor job the original CFPB agent had done in detailing my complaint, but I was transferred to 2 supervisors who refused to discuss it with me. The first was named XXXX, and she demanded that I verify myself a second time, which is a mistaken protocol for government agents. The second was named XXXX, and he refused to correct the existing complaint and would only withdraw it. He refused to take my new complaint. 

I now insist that CFPB review this complaint, and particularly the performance of the CFPB employees involved. I also request that CFPB notify LexisNexis that I will not provide my SS # to an unsecured overseas call center without assurances that I am safe in doing so, something they will not provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

2022, filed fraud on the self lender account
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two issues with XXXX XXXX on my report that are concerning.

First, I was a customer of XXXX XXXX   and I see that they pulled a report in XX/XX/XXXX. I was a customer for a few months but they were new in Montana and they service was sketchy, they promised to port my number ( business phone ) and could not for many months. the is a note attached to that activity : Permissible Purpose : XXXX XXXX XXXX/written authorization/investig fraud. I feel this is very strange and I did not authorize this nor did I commit fraud. I feel this is a negative commentary that I don't deserve.

about 6 weeks ago, I received a box from XXXX XXXX and opened it to find that XXXX XXXX had sent me 2 brand new in the box XXXX XXXX. I did not order, I was not a customer of XXXX, and I did not really know what to do.

I called XXXX but they kept asking for my SSN -- and since I have no way of knowing to whom I am speaking, I did not provide it, and they can't find an account by my name or address ( again, I am not a customer ) I took both phones to XXXX  in XXXX. I asked for the manager XXXX, and he helped me, he took both phones and sent them back. I have copies mailing documents that XXXX said indicated acceptance of the phones. I also have a recording of the entire conversation between XXXX, XXXX, and myself on the day I returned the phones. XXXX said it was the 4th set of phones returned in the same manner.

Today, I got a letter from XXXX  Reference Number : XXXX  saying [ dated XX/XX/XXXX] about the time that I that I was not approved for a phone in accordance with a recent credit pull ( I never requested it ) and I am concerned about this repeated activity and no assurance that XXXX is taking this seriously nor acting on my behalf. And, seemingly, they appear to be making my credit report with negative commentary. This is not fair to me.

Please note that the identifying information they provided in the XXXX  request on XX/XX/XXXXhas my name and address but the number is not mine. Never was mine, and is an apparent indicator of fraud and a possible link to the perp.

Furthermore, I believe XXXX  sold me phone that had a number from Idaho originally and that the phone was not new as it should have been. Why eles would there be a XXXX number assigned to it?
Product: Bank account or service

XXXX Bank charged me {$10.00} plus interest at 19 % for an overdraft of {$0.00}. 
I have been with this bank from the 1950 's when it was XXXX XXXX XXXX For most of that time I have had an overdraft LOC. I have not used it in years. When I last used it, I was much poorer than I am now and was NEVER charged a fee for using it. 
Now they have instituted the fee without any notification that I can recall. 
It is not a lot of money but I think this fee is uncalled for. I have requested a refund and so far have been denied. I have told them that I will be closing this account if the fee is not cancelled and refunded. 
I guess these days one can not contest the 19 % but it does seem to be very high. People of limited means can be seriously affected by this fee and the interest rate. 
Whatever happened to service?
Product: Mortgage

We initiated an application to refinance our mortgage with NewRez, the holder of our current mortgage, on XXXX XX/XX/2020. Nearly six months later our application has not been approved. We receive repeated requests to submit information we have submitted multiple times before and that NewRez has acknowledged receiving. So our application drags on month after month, and we pay interest that we would not have had to pay if our application had been approved in a timely manner. Our loan officer s have frequently not responded to phone calls or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX  day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you
Product: Checking or savings account

Identity theft this account was open by whom I had no authorization of this account. I XXXX XXXX am filing a identity theft report on the account with Navy Federal.
Product: Prepaid card

I tried to use my american express virtual gift card at many online retailers and they all declined the transaction stating that american express said the transactions were fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a theft robbery and burglary cases involving me lately. My XXXX XXXX me with weapons and stole my account several times. I made report to dispute the hard inquiries that are on my credit reports and the soft ones. I reported this to XXXX XXXX tx police dept. They made attempts to keep me safe. But this man came back an ssf took my cards and finding some way of using it to get a room at XXXX XXXX  and withdraws XXXX dollars from a store. Then with my identity he been trying pass it off as me and make out online or at stores and apply for loans to XXXX XXXX XXXX XXXX XXXX XXXX  and a numerous others. Please as she remove these negative items.
Product: Credit card

I had a SPARK business credit card with Capital One, I have been using it actively and was paid automatically with no delay, then, my credit card stopped working and I thought I ran the magnetic stripe. Never thought anything of it as my bills were always paid and I froze my credit account last year in avoidance of hacking or identity theft. 
Then, I called on XX/XX/XXXX and I was told that my account was closed by the bank because they sent me mail requesting my business XXXX number, and address and my failure to respond caused my credit card to be closed. After hearing this from the representative I immediately, paid off my remaining balance right there and then because that is who I am I pay my debts. Then, when I asked about my points, I was told that it was already redeemed when I have not redeemed a single point. During that call, on XX/XX/XXXX, the representative said that to call back because it's on redemption. 
My reason of complains are the following : 1. Capital One did not ensure that I will receive the postal mail that was supposedly mailed last XX/XX/XXXX. It was not a registered mail, there was no follow up mail or letter to assure that's its been received. 
2. I never received any text or courtesy call regarding this matter.

3. I never heard back from Capital one at all.

4. I only realized that the problem was not the physical credit card when my automatic bill pay was cancelled. I could have lost my benefits from my insurance company because of this action from Capital One. 
I deserve to be treated kindly and with respect and fairness. 

This is an unacceptable action from Capital One. I want my points back, I paid for it and own it. This company needs to change their procedure in contacting clients, it is wrong and ineffective to assume that a single non registered letter is sufficient to get the attention of their clients when we now live in the digital age. 

Thank you for your help! 

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

please be advised that a copy of this letter has also been sent via certified mail. the XXXX, and experian credit reporting agency both continues to be dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, it was confirmed that the company XXXX was the supplier of this invalid account being reported, but they could not validate these bankruptcies with XXXX and therefore XXXX  deleted the items, however XXXX and XXXX continue to say that this company is their supplier of this invalid info.I hav never lived at the address this bankruptcy was filed under, so I called them to request that I have this validated and they stated that they have not validated this debt with XXXX, experian, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter  attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). please provide me with the courthouse name, address, phone number of who verified this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request for an account on my report that does not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and  fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.  I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

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

I submitted a dispute for XXXXXXXX XXXX XXXXXXXX XXXX to be remove from my report on XX/XX/XXXX on XX/XX/XXXX the report came back as Accurate. However I have no knowledge of this account and I feel this is fraudulent. I feel as though Equifax didnt do a thorough investigation because this account does not belong to me and I would like for it to be removed immediately as it has cause detrimental impact to my credit report. there is no contract or any agreement between this company and myself. Also Equifax XXXX XXXX reported an on time payment that has not XXXX updated to my credit report.
Product: Mortgage

I participated in XXXX XXXX XXXX COVID 19 mortgage forbearance program. Well before it's expiration, I requested that Wells Fargo Home Mortgage pursue on my behalf a FlexModification with my mortgage holder, XXXX XXXX XXXX. Rather than follow my instructions, Wells Fargo proceeded with a payment deferral program, rather than the XXXX I requested. Wells Fargo admitted the error and agreed to proceed with my request for a XXXX. After multiple unrequited calls and emails to my Wells Fargo " home preservation specialist '' I have received no documentation, no emails and no telephone calls in response to my request for an update to my XXXX request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Account has never been late and the credit bureaus are reporting inaccurate information. As well as many other inaccuracies in their report. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now its not time to update, I demanded that you IMMEDIATE DELETE THE LATE PAYMENTS from my credit report. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, They 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX XXXX. I have given XXXX XXXX XXXX the authorization to communicate with you on my behalf regarding my case. I am a victim and I hate that I must relive this moment of XXXX XXXX. It replays over and over in my head, and it is causing major distress to me. Especially as it is ruining my credit in the process. 
There is information on my credit report that requires blocking and I hope that by adhering to 12 C.F.R. 1022.142, 22 U.S.C. 7102 ( 12 ) and 22 U.S.C. 7102 ( 11 ), you take this matter seriously or you will be in violation of many of my rights as a consumer. This account on my credit report with the information listed below is an unjust financial obligation and does not belong to me and I am not liable for it. I have attached all necessary documentation. Again, this documentation is coming from me and only me, XXXX XXXX, as the consumer. I am an XXXX veteran, and I would hope that you take this matter seriously. Please contact me if you feel the need to, however, a fair resolution would be for you to remove this account from my credit report as it is in violation of my rights and I am not liable for this debt. 
Additionally, this account must be removed as it relates to 15 USC 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. This account has not been validated and is misleading and false reporting failing to comply with 15 USC 1681. Please have it blocked from my credit report within four business days. 
Information needing blocking from my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/2014 balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report that was not reported accurately. the consumer reporting agencies need to report all info with complete accuracy. According to the IRS when an account is charged off, it becomes income. I requested proof but haven't received anything. It has a balance of 0 and shows closed and the dispute says deleted but still shows on my report. I'm requesting that this account be updated and deleted from my report because of its inaccuracy. if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and remove this. It is showing as closed but its also showing as an inquiry and will fall off in XXXX XXXXThis also shows the last status update was in XX/XX/XXXX but Experian is XXXX that is charged off as of XX/XX/XXXX. This account should be deleted for the inaccuracy that is reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a natural person, who is federally protected I did not give this consumer reporting agency written permission to furnish any accounts on my consumer report according to 15 USC 1681 ( a ) ( 4 ). It is an invasion of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Also, according to 15 USC 1681a ( e ) factual information shall not be included on a consumer 's credit record. This consumer reporting agency is in violation of three federal laws. I demanded her to remove the accounts referencing federal laws as a protected consumer exercising my rights.
Product: Debt collection

XXXX XXXX XXXX has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. XXXX XXXX XXXX has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Product: Credit reporting or other personal consumer reports

Please take a look at my reports and take a look at my carefully crafted documents take a look at your specified letter if you're XXXX look at the document stated XXXX each file corresponds to its respective bureau now the law states each bureau should have the exact same information dates and balances showing, the banking system depends on it but currently I'm unable to get approved for anything because of all the errors showed on my reports I ask that you not use e-oscar and carefully have someone go through each and every line item to ensure these companies batch data is accurate, if not remove it and tell the companies to try again next month I refuse to bare the weight of inaccurate data that's not carefully reported it is not a reflection of me nor my character.
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent as some of personal information is reporting inaccurately.