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

It has been a battle going through this and I am writing to delete the following fraudulent information inmy file. The items I need deleted are listed in the report. I am a victim of identity theft and did not makethe charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft ofmy identity to the Federal Trade Commission and I also have enclosed copies of the Federal TradeCommission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or givenanyone access to my private and confidential records and certainly not the alleged with the items listedbelow. ) showing on my credit report. I, therefore, request that you immediately remove this accountfrom my credit report with your firm, or provide me with the exact source where you received suchinformation, so I may take appropriate legal action. Please delete these items as soon as possible. 
XXXX XXXX XXXX XXXX, A XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

It has been four years noe that I have been trying to keep my homr out of foreclosure. I have filed numerous complaints about the servicing of my mortgage by Wells Fargo and XXXX. These complaints have all followed the same course. They get forwarded to the company, the company responds denying they did anything wronh. Case closed. During this period of time I have had to educate myself about the laws and regulations for the mortgage industry. I have without a doubt had every law and regulation that exist violated once or more. I understand that the XXXX gathers informwtion and uses it to try and enforce adherence to these laws. The problem is that it isnt working and the way it is trying to be enforced does nothing to protect the individual that is experiencing the issue. Imposing fines on these corporations after the fact doesnt stop it from continuing. For the consumer there is no agency to assist with the issue as it is taking place. If by chance the consumer is aware that these laws are being broken then if they have the funds they can hire legal help. This in itself makes the consumer hopefully finding an attotney that knows yhe laws and then rely on the issue be brought inbfront of a court ( judge } that knows these lsws as well. As I have experienced first hand that probably isnt going o happen. As stated by the XXXX there seems to be a lack of understanding by the courts on the meaning of these laws. This has allowed mortgage companies a open opportunity to wrongfully foreclose on homes. I face a sell date on my home whichnis a VA backed mortgage that had the initial foreclosing started in XXXX of XXXX as I was awaiting the documents needed to start the reconsideration of my modification request because I didvnot agree with the denial I received. At thebtime of my request for reconsideration my mortgage had just been brought under 90 days lat. When I finally received the modification packet in XXXX, Wells Fargo had already started the initial foreclosing on XXXX XX/XX/XXXX. XXXX as how my request had not been denied, this is in violation of the Dual Tracking Law. After a period of two years and many other violations the servicing of my loan was transferred to XXXX XXXX in XX/XX/XXXX restarted the foreclosure while I was in a documented forbearance. At that time I had to file emergency bankruotcy o stop the sell dateof XXXX XXXX as my wife was on XXXX XXXX st home. Once this happened my mortgage was placed back in forbearance. Now, my home is facing a sell date of XXXX XX/XX/XXXX on a VA backed loan that never was presented to the VAbto seek a modification that is available. How is it that every hearing for my home was done in violation of a federal law and is proceding in violation of more federal laws. So now the mortgage company is using the law to enforce its illegal activity. This has been rough4 to the attention of the VA but at this point I am but weeks away fom a sell date. Making the mortgage company pay a fine for doing this after the fact is not an acceptable answer.
Product: Debt collection

Alliance One was notified by the XXXX Clerk of Court of outstanding monies for non-payment of traffic citations I owed. These citations were removed from collections by a County Court Judge. The amount owed for the citations was lowered by 40 % and I was allowed to make payment thru the Clerk 's Office. Unfortunately, I was not aware of this when I made a payment of {$3400.00} to Alliance One via my bank credit card. Alliance One FAILED to verify the amount owe, took the {$3400.00} payment and applied it to SOME of the oustanding citations. Even with the 40 % collection fee, that they were no longer entitled to, this amount was {$2700.00}. I have spoken to numerous representatives and requested my money back. Indicated they failed to verify the monies owed, because if they had they would have known the traffic citations had been removed collections. Even so, they still took more money than required and did not apply the payments. There is an overpayment of {$620.00} that they refuse to return plus the 40 % collection fee they were NO LONGER ENTITLED TO. My attorney called Alliance One to discuss the matter and their position : Write a letter to a XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I have a capitol one credit card that I am current on and my husband is an authorized user as well XXXX XXXX. I just pulled my credit report and I have found quite a few missing items or inaccuracies on my report that I would like to have. Fixed as this is hindering my credit. 1. The dates are of reporting are not consistent with each other 2. The day e the account was open is not consistent with each other 3. All 3 agencies reports for ( ok ) are missing months for reporting Per the fcra they must all be consistent o one can report differently than the other one
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the IRS. A canceled debt ( charge off ) is *considered as gross or ordinary income ... a 1099 was issued for this account. * *Income does not get reported to your consumer report. * Making this a violation that the creditor ( XXXX XXXX XXXX  ) acount # XXXX. 
address XXXX XXXX XXXX, XXXX NC XXXX. Since XXXX of this account creditor & all consumer reporting agencies has *violated my rights* reporting this inaccurately account information for more than *3 years* this is unfair to me the consumer. 
And according to 15 USC 1681e Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates .... in my case none of the consumer reporting agencies didn't do so.
Product: Credit reporting

i am a victim of identity theft and was XXXX from XX/XX/XXXX until XX/XX/XXXX. I got released from XXXX Correctional Facility- XXXX XXXX on XX/XX/XXXX. Attached is a letter from the XXXX XXXX XXXX XXXX showing proof, I was XXXX and the following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX Bank, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Bank and XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$44000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I made a complaint to the CFPB regarding Experian 's persistent refusal to correct inaccuracies on my consumer report regarding the inaccurate dollar and cents amount owed on my XXXX XXXX credit card account. Experian continues to be reckless and negligent in fixing the error ( See Attachment ). Additionally, XXXX  XXXXXXXX credit card ALSO is in violation of 15 USC 1681e by reporting inaccurate balances to Experian because they are missing the dollars AND CENTS amount. Thus, BOTH Experian AND XXXX XXXX are in violation of my federally protected rights under FDCPA, FCRA, UDAAP, 15 USC 1681a, AND 15 USC 1681e. They MUST ensure ACCURACY of the account on BOTH my consumer report AND credit file. BOTH XXXX XXXXXXXX, the furnisher of the information AND Experian, the consumer reporting agency are LIABLE for these continued violations of laws!
Product: Checking or savings account

For the last few months our business account was charged for insufficient fund fees when money was there. Also, we were being charged weeks later for our purchases that the bank showed that we had already been charged prior too. The months that are in question are XXXX, 2022- XXXX, 2022. We have spent countless days and hours disputing our claims and the only response we received was that we should keep track of our money and mobil banking does not do that for you. We also was told that mobile banking does not show the same amount that the banks system show because of the delay from the merchant to authorize the charge or the bank itself who may be understaffed. Whatever to he reason money has been taken out if our account on numerous occasions with no explanation. We were also told that we didn't have to file a complaint about this matter that the bank would send a letter out. We have yet to receive any letter. It's been over a week.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX : Balance : {$540.00} Account Name : XXXXXXXX XXXX XXXX  XXXX : Balance : {$420.00} Account Name : XXXX XXXX # XXXX : Balance : {$310.00} Unauthorized Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid down debt, and had an error corrected that XXXX XXXX  put on concerning a mortgage I have I had in forbearance reporting incorrectly. The scores stayed the same. I believe these private reporting companies keep scores down to sell their high interest credit cards and loans, etc as they make suggestions for these entitie My scores were at XXXX now at XXXX XXXX, here 's your credit snapshot XXXX XXXX Learn more Experian Data XXXX XXXX XXXX 2021 XXXX Fair XXXX Credit Usage
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I have talked to the bank and they agreed to REPAIR the account in my file. So what's happening there at Equifax? If Equifax failed to comply with the condition and continues the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported incorrect names and address on my credit report. I also requested a copy of my Consumer File. NOT CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Mortgage

Reopen XXXX. Chase has not released any funds based on past written correspondence. Chase is in violation of DEED OF TRUST. Chase has provided zero guidance as to the terms of how the funds to make repair are to be released as requested by 3rd parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or discard the following items right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On or around XX/XX/2020 I applied for a refinance at home point financial corporation, despite having positive income From self employment the loan officer ( XXXX XXXX ) refused to count my income on valid file tax returns. He and his team claimed I did not show liquid assets even though my bank statements totaled XXXX, they chose not to conform to guidelines and rejected my documents. I lost 3 months finding a new lender with higher closing costs and a higher interest rate while I located another lender. Their lending practice was subjective and discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

: From XXXX I asked three credit bureaus XXXX, TransUnion, XXXX to update my balances with all of my credit cards along with payment history. They wont update them. XXXX is a closed paid off account. All three bureaus have my owing money. My loan from XXXX XXXX need to be updated with the balance being only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Need to be updated on the balance. 


Remove negative activity from all credit cards and loans and update the credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I bought airline ticket with XXXXt also applied and was accept for credit card through Chase. I waited the 7-10 business days for the card and still have not received it. Ive tired to reach to Chase via there customers Service number with no information on my account I can't even get through and talk to an actual person. On XX/XX/XXXX I went to chase bank, at this time my ID is expired and can't even get any information from the banker. Now I'm stuck between waiting for my DMV date to get a new ID and not being able to fix what's going on. The Credit Card is also being reported on my Credit Report as closed. Im not sure what to do and I don't want my credit to be damaged because of this.
Product: Debt collection

On XX/XX/XXXX, I had this XXXX  XXXX  in the XXXX XXXX of my XXXX XXXX and I was rushed to the XXXX  of XXXX XXXX XXXX Hospital in XXXX Delaware, I was seen by a female doctor, she asked me if I had Insurance and I said no, she requested an XXXX and she diagnosed XXXX, she wrote a prescription to take to the pharmacy, I was not able to treat the XXXX until I got a job with XXXX XXXX XXXX XX/XX/XXXX, I received a Medical bill of XXXX dollars and change and I started making prompt payments, through an arrangement that reduces the amount to {$790.00}, to my surprised, I called to make a payment and I spoke with this female representative who told me that she could not find any bill in my name or address at the time because of that she could not receive the payment, since then I have not received any corresponding letter from the doctor 's office or XXXX XXXX Hospital . My Credit was flagged on XX/XX/XXXX, via XXXX by TRANSWORLD SYS INC/XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, PA, XXXX, I immediately called the above collector, spoke with a female customer service agent, who was very intelligent and accomodating also put in a Dispute on my behalf to the XXXX XXXX XXXX Hospital. I have worked over the months to bring my credit score to a Good score and this scenario have drastically reduced my score, I'm kindly requesting CFPB immediate intervention to help restore my Good Credit Score, thanks,
Product: Checking or savings account

Hello. My name is XXXX XXXX and I am a XXXX XXXX veteran. I just saw an article about Wells Fargo Bank ripping customers off by charging high fees. I use to be a customer of Wells Fargo a few years ago and canceled my accounts because they were charging me high fees for no reason. When I confronted them on the issue, they said they could not give me my money back because I did not make a complaint within 30 days. This made no sense because I contacted them numerous of times about the fees and they still charged them anyways. 

Wells Fargo was miscalculating the fees and telling customers they would remove them when they did not. Since it did not stop, I canceled my accounts. I was very disappointed in them because not only were they ripping other customers off besides myself, they also targeted XXXX XXXXXXXX with their so called " XXXX XXXX '' accounts. I got no help trying to file a complaint against them and just gave up because these big banks were just doing whatever they want when they want. I was also dealing with another big bank XXXX that was also ripping their customers off. Something needs to be put in place so these big banks can stop discriminating and ripping-off their customers. 

How can I join in on the class action lawsuit against Wells Fargo? 

Cordially, XXXX XXXX
Product: Credit card

I called XXXX " XXXX '' exchange numbers on my Capital One XXXX XXXX card. First connected to XXXX, spoke with customer service representative, then transferred to Senior Account XXXX XXXX XXXX, in the XXXX, at. The XXXX number on card XXXX. XXXX said shecould not transfer me further, said I had to accept 29.99 % for Good credit rating. I have Excellent credit rating which was the reason for the 0 % for 15 months offer.She and first representative that Capital One can encourage people to apply with offer, then gice another card, which I believe is bait and switch. For further dispute of this switch, I then called XXXX for XXXX XXXX XXXX and was connected to representative in XXXX. I was next transferred to XXXX in the XXXX, who refused to tell me his identification number. He said I was not approved for 0 % 15 months, but it was on the account when I was accepted and no information was provided about switching terms in the card mailing material. There was no statement with interest rate for the new card on the XXXX XXXX XXXX, 2024, the webpage now shows 29.99 %, but that is new and not the offer to people who have Excellent credit rating. I believe it is a bait and switch. Not only of the offer, but the switch in my consumer credit category seems to me to discredit and misrepresent me. The huge increase, from XXXX to XXXX was not necessary for me, I have Excellent credit, cards with lower interest, as well as the ability to use my savings to pay off any balance when necessary, so I would not have applied or used this card if I had been told of the potential to switch the interest rate.
Product: Debt collection

Upgrade - reporting a charged-off account on my credit reports. I received multiple contradicting emails about having an account, not having an account. I never took out a loan or line of credit with this company and have told them this many times via email. I have disputed with XXXX XXXX with no results in my favor. I had many issues with identity theft and fraud charges since the pandemic. They will not speak to me at all. No one calls back, no one will talk unless I provide personal identification such as social security number which I refuse to do over the phone with a company I have never used.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  At EQUIFAX, Refuse To Update Mt Credit Report ( They Hate To Raise My Credit Score ). I Don't Want Them Touching My Personal Financial Information Anymore. They Refuse To : Show My XXXX Balance Of {$2000.00}, PAID OFF Weeks Ago. They Refuse To Show My XXXX XXXX CREDIT CARD Balance Of {$17.00}, PAID OFF Weeks Ago. The Refuse To Show That I Paid {$1000.00}, To My XXXX XXXX LOAN. They Just Finished A Investigation Of My Credit Score, And They Refused To Update My Credit Score?????. What Is Their Problem? I Want To Sue Them, For Intentional, Manipulating, My Credit Score.
Product: Mortgage

I have a loan with Ocwen mortgage company. On my statement is says I owe them {$6800.00}. I went to their website to pull a payoff statement. I tried a few times but their system was to working. I wanted to pay this off so to be safe I sent them a payment for {$6800.00}. I called the company today and they said they out the payment on hold ( and it is still on hold ) because it was more than the statement said. I asked why they did not pay the loan of and send me a small refund? Their representative could not really speak to it. I then said the statement still is the same pay it off today and send me a small refund. He stated that is against their policies. Now they are sending it to the payoff department to see what they can do. I am not going to be paying another 11+ days of interest because Ocwen could not simply apply my payment that I overpaid. I thought this would be a very easy process and it seems that is not the case. I did tell them I did this exact same thing past year with Ocwen as well and the process went exactly how I hoped it would go this time.