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 the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

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

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding REGION/AMS, REGIONS BANK, XXXX XXXX XXXX due to their violation of the Cardholder Agreement and improper credit reporting practices. Upon reviewing my credit report, I discovered that REGION/AMS, REGIONS BANK, XXXX XXXX  XXXX reported negative information to the XXXX major credit bureaus despite failing to uphold the arbitration clause outlined in our agreement. 

According to the terms of the credit card agreement I accepted, all disputes were to be resolved through arbitration. However, REGION/AMS, REGIONS BANK, XXXX XXXX  XXXX failed to initiate or engage in arbitration, which constitutes a material breach of our agreement. Additionally, after charging off the debt, the bank proceeded to sell the account to a third-party debt collector, further violating the terms and conditions of our contract. 

I believe this conduct is unfair and deceptive, as it not only disregards contractual obligations but also harms my credit profile. As a result, I am requesting the following corrective actions.
Product: Debt collection

XXXX XXXX filed a lawsuit against me in XX/XX/XXXX in small claims court on behalf of Bank of America for a credit card that was charged off on XX/XX/XXXX for {$3100.00}. 

I am currently a XXXX XXXX barely making ends meet utilizing my student loans and financial aid. The circumstances which led to the default of the credit card was that I was furloughed from my part-time job when the pandemic hit, I haven't worked since then, I contracted XXXX, and lost my father tragically -- all within the past 12 months. Additionally, I am taking medication for my XXXX and XXXX, while trying to remain enrolled in school to keep my financial aid. 

I have made several good faith attempts to negotiate a settlement offer with XXXX XXXX but they are refusing to accept my offer of {$1300.00}. When trying to speak with the XXXX, I felt belittled and threatened by him. He spoke to me in a condescending manner suggesting that I should go find a job like everyone else so I can pay this balance and then threatened me that they will see me in court soon if I can't pay the amount they are demanding.
Product: Debt collection

Credit acceptance illegally reports false information to your credit report. 

They initially denied knowledge of my vehicle but upon first complaints via CFPB they all of a sudden had every detail about a car they failed to properly report to the credit bureaus. They have fake people calling posing as counsel, theyre still improperly reporting the status of our account despite the account legally needing to be dismissed or charge off status. we gave all military documentation and orders to further prove and yet theyre still sticking to the theatrical tactics on a 7 year old account Their latest charade
Product: Credit card

Dear Goldman Sachs Bank USA, I am writing regarding a charge on my Apple Card for flight tickets ( Booking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX purchased through XXXX for {$2100.00} on XX/XX/year>. 
Due to unforeseen circumstances, I was unable to take the flights scheduled for XXXX XXXX XXXX I have already taken the following steps to resolve this issue : 1. Contacted XXXX to request rescheduling options, credit for future travel, or a partial refund with a cancellation fee. Unfortunately, they were unable to accommodate my request. 
2. Attempted to contact XXXX XXXXXXXX directly, but was unable to do so because the booking number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) or other references I had were not recognized in their system. This has prevented me from exploring options directly with the airline. 
Throughout this process, I have expressed my willingness to pay a reasonable fee for changes or to receive credit for future travel. However, I have been unable to reach a satisfactory resolution. 
I am not seeking a full refund, but rather a fair solution that takes into account my willingness to accept a partial loss or to apply the value to future travel. Given the diXiculties I've encountered in resolving this directly with the merchant and airline, I would greatly appreciate your assistance in : 1. Investigating the validity of this charge, considering that XXXX XXXXXXXX does not recognize the booking number. 
2. Mediating with XXXX to explore possible resolutions, such as partial refund or credit for future travel. 
3. Advising on any other options available to me as an Apple Card holder in this situation. 
Please find attached copies of my correspondence with XXXX and the original booking confirmation. 
Thank you for your attention to this matter. I value my relationship with Goldman Sachs and the Apple Card, and I look forward to your guidance on this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in relation to my previous complaint I filed against WellsFargo. I have attached a copy of my previous complaint confirmation as reference. WellsFargo responded to my complaint but FAILED to address the issue of my complaint. WellsFargo essentially provided me a history of what happened on the account but failed to address the 120 days late I was assessed for the month of XXXX 2021. I settled the wellsfargo account IN FULL on XXXX 2021. How can I be late if there was no balance?? The new 120 day late tanked my credit score and this is a complete violation. XXXX  seems to be the only bureau to report this error. I am not asking to have the whole WellsFargo account deleted, but I am asking to get the new 120 day late payment deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed XXXX XXXX  account on my credit report due to it being a fraudulent account, due to myself providing supporting documentation being a FTC report and a police report. On XX/XX/2022 Experian reinserted the XXXXXXXX XXXX  account back on my credit report stating that XXXX XXXX requested the account be reinserted. Experian did not follow the law in regards to the Federal Credit Act ensuring that they sent documentation within 5 business days of the reasoning of the XXXX XXXX account being reinstated to my credit report. Also XXXX XXXX did not provide any supporting documentation of validating the account. The FRCA law has been broken by Experian and XXXX XXXX
Product: Debt collection

I got a message from XXXX XXXX that a collection was added to my credit I clicked it and it was Holloway debt collections. They never ever bothered to contact me via phone or in writing that I even had this debt before putting it on my credit. This is the 2nd time Holloway has done this and they are violating my rights and I plan to seek legal advice concerning this. They are not informing me or giving me a chance to disputed the debt they took it upon themselves and just assumed the debt was valid and its not. Im tired of this company doing this they are purposely affecting my credit and my livelihood.
Product: Debt collection

XXXX, XXXX & XXXX, XXXX, XXXX, XXXX AND NOW DITECT IS TRYING TO COLLECT A DEBT NOT MINE.
Product: Mortgage

I had to accept work out of state. I maintained my citizenship while working out of state. I got behind on my mortgage payments and put the house up for sale. The house sold for a quick cash sale with a closing date set. I informed Wells Fargo of the sale and immediate closing date of the cash sale. Wells Fargo refused to allow me to sell the house for {$130000.00} which was more than the amount owed on the mortgage. Within about 30 days the house was foreclosed on and sold at a sheriffs sale. The purchaser was Wells Fargo that in turn sold the property for approximately {$40000.00} less than the cash sale that was ready to close.
Product: Credit card

Back in XXXX of 2013, I came in to contact with a company called XXXX XXXX talked with several people. I do n't remember all their names but XXXX was the last one I spoke with. The bottom line was that I could quickly be found on the first page by XXXX Search, that I could finance the costs and make money to pay off the finance chargers. They asked me how much I wanted to make per month and I said {$4000.00} to {$5000.00}. They said that would be no problem. After signing the contract, I became very disappointed in the first coach : XXXX ( XXXX & lt ; XXXXXXXXXXXX & gt ; ) It just did n't seem like he knew what he was doing and it became obvious that he did n't have a successful online business. I was switched to XXXX ( XXXXXXXXXXXX ). He was better but was really grouchy. I offered my complaints about XXXX XXXX and a few other issues. He did n't want to hear about them. The start with him slow but we finally got to a point where he started on the website. He and some helper made a first pass and then asked for changes. I provided a list but there was no action. Once then all of a sudden he was gone and the XXXX was shut down. I had a partially built website that was incorrect in many ways. I contacted XXXX and with their help built the website myself. To date, the entire operation is a loss. I feel taken advantage by this company which is in cahoots with several other online businesses scammers, they prey on unsuspecting consumers these career criminals even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I feel that this falls under the claims and defense guidelines that state that you have anywhere from 365 to 540 days to respond, if services were not rendered as described. I have tried to reach out to the merchant on several occasions, but it was to no avail. I really need my credit card company to look into remedying this situation. I need this to be taken care ASAP.
Product: Mortgage

I received multiple refinancing letters through mail from different entities. I decided to call  Chase  my current  Mortgagee  and started the loan process. But to get started they charge me a {$500.00 } Good f aith estimate that will be applied towards the Closing Cost. I provided the loa n officer with a ll documentations on the day same day we lock the rate of the loan for 60 Days. Appraisal of the my how was done with in a couple of weeks and came back at  XXXX   LTV. w hich means the loan to the value is about half. I contact my loan officer and said everything was fine. Then i get a call about a couple of thing that i need to provide for current information. Two weeks before the closing i try to contact lo oan officer  through voice and email. I would get emails back will call you back this after noon, but ofcourse never received the call. It has been over the 60 days and do not know what i need to do. I decided to dispute the charge on my Debit card and guess what? it is a debit card from chase and can not dispute the charge. I call this a ponzi scheme. The person had told me that is a billing department issue and i am just getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous notices to this consumer reporting agency regarding inaccurate reporting on my credit file. There are numerous dates that dont match across all 3 credit reporting agencies, numerous balances that dont match, and even numerous account numbers that dont match. Ive reported this information and their system only comes back to be verified. I have never received any type of investigation report, nor how the information has been deemed accurate. These items shall be deleted from my consumer file immediately.
Product: Debt collection

Debt collection agency hired by XXXX XXXX XXXX for services rendered on XX/XX/XXXX. I called XXXX and requested a copy of the itemized bill in XXXX and did not receive it. I did not get a call, or any additional information until XX/XX/XXXX from Optimum Outcomes XXXX XXXX XXXX, Set XXXX XXXX, NC XXXX XXXX Collection Agency. I then called our XXXX XXXX who sent over the samples to be tested, and they stated that XXXX claims they sent the itemized bill. My concern is how does this agency not validate a debt before posting on our credit report as required by the F.D.C.P.A. The bill has been paid in full, on XX/XX/XXXX, the damage the credit report was done, and they do not want to take any responsibility for not following up on our request for itemized bill.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my anxiety and present a protest to TRANSUNION with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection. Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, XXXX will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

Someone applied for a car in my name without my permission on XXXX XXXX
Product: Debt collection

I need to negotiate my debt to as minimum as possible. I 've try bringing it lower do to my financial hardship.
Product: Mortgage

My mortgage co, Flagstar Bank has refused to remit insurance monies to me for {$1700.00}, paid by insurance co, XXXX XXXX. This check was mailed to Flagstar Bank on XX/XX/XXXX and again on XX/XX/XXXX, without my endorsement, each time then returned to me asking that I endorsed. The check was mailed a third time on XX/XX/XXXX, this time with an endorsement by me. Three previous checks, totalling {$45000.00}, were all returned with an endorsement by Flagstar Bank, WITHOUT my endorsing them previously. On my mortgage statement received XX/XX/XXXX, the {$1700.00} was notated as being placed in " Restricted Escr Dep '' on XX/XX/XXXX. My escrow account had recently been reevaluated in XX/XX/XXXX and was reconciled for the year prior to XX/XX/XXXX statement.
Product: Vehicle loan or lease

Ally is a predatory lender i got a lian in 2013 with them they had a settlement against them in 2013 for XXXX and minorities that gpt a loan 2013 i wrote them a letter recently to attempt to settle my loan they cashed the check my interest was 14 percent over a 6 year term they got almost double their money from me i want my title
Product: Debt collection

On XX/XX/XXXX, a woman from Halstead Financial called and threatened to sue me for a debt that is almost 7 years old. At that point, I had no idea about the debt and confirmed it over the phone. Seeing that debt did belong to me over a CFPB complaint, even though I asked for a prior explanation. I have since received countless emails asking for payment through a portal and even still receive calls from them in the wee hours of the morning or around the time it is designated as " bedtime. ''
Product: Credit reporting or other personal consumer reports

You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for XXXX  non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. XXXX has since removed this account. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the date last active and payment history. ABSOLUTE RESOLUTIONS I has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account from my credit report.
Product: Credit card

I was denied a credit card due to my XXXXXXXX XXXX but per their own prospectus they state " XXXX XXXX XXXX XXXX XXXX are based on independent, third-party information, the accuracy of which we can not verify. '' I was not given valuable consideration in this process and they are violating their own policies
Product: Credit reporting, credit repair services, or other personal consumer reports

The company " TransUnion '' is knowingly and actively restricting online access to my credit report- in spite of any red flags would've been resolved by now- in spite of I have been restricted for more than six months- in spite of my having already proven my identity several times via postal mail submission and retrieval of such prior credit report - and in spite of my having manually removed the prior fraud alert. At this time there is no cause for a restriction of my credit report. No basis in law can be cited that allows them to restrict and/or unevenly afford online accept to some yet not to others. I want online access to my credit report that's what I want and I am over sending postal mail and I will not repeat the process a fourth time like a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute 1 : Nationstar Mortgage XXXX Mr. Cooper XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX, XXXX XXXX. Unauthorized account review, XX/XX/XXXXXXXX. There is an ongoing civil court matter pending with this company. 

Dispute 2 : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized account review ; XX/XX/XXXX, XXXX XXXX XXXX XXXX  and XX/XX/XXXXXXXX. This account was charged off and closed XX/XX/XXXX XXXX. 

Dispute 3 : XXXX XXXX ins. XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX. Unauthorized account review. XXXX XXXX, XXXX  Dispute 4 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All occurring on XX/XX/18. Experian has made it nearly impossible to access my free credit report, instead it gives me a continual run-around, ultimately requiring me to physically mail documents ( not free ), to receive my report. While XXXX  and XXXX issued my report without complications, Experian gives one disingenuous excuse after another ... first, " my current address isn't an exact match '' which shouldn't be the case if both XXXX and XXXX had no issue with my address. Then, Experian gave me the option of uploading " proof of identity '' documents such as my license and a current bill. I did so, and each time I clicked to upload and submit the documents I was given a new error ( which wasn't even stated an issue in the upload instructions ). The website states that both PDFs and TIFFs are acceptable formats, but, when I attempted to upload a photo of my license which as in color, it was denied because it had to be a gray-scale TIFF, which wasn't stated prior. The second time I uploaded a gray-scale TIFF, the file size was stated to be too large, again, the second file was smaller than the first, yet I was not instructed to submit a smaller image file. Finally, having corrected both of the aforementioned issues, on my third submission attempt I was redirected to a web page that stated I have exceeded my maximum number of attempts to upload the documents and that my free credit report request could only be processed by mail. Experian is truly the lowest common denominator of the credit reporting world, they make requests so complicated and difficult that most people would give up -- not to mention they try to trick you into paying for a report, even though I'm entitled to an annual report. Truly tired of their fabricated complications and diversionary tactics, this isn't the first time I've had issues with Experian specially when accessing my annual report ... meanwhile XXXX  and XXXX always work without issue.