23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/year> I tried to log into my online account. It accepted my credentials, texted me a code which I received and entered, then the system told me there was a problem, to call XXXX. I did, and spent XXXX minutes on the line with no progress. I had to do something else on my calendar, and ended the call at that time. 
XX/XX/year> I still couldn't log on. I was now told I need to contact the fraud department at XXXX. I planned to call later, since I had to join a meeting. They offered to call back, but the time frame was within 2-3 days so I refused that option. But then I got an email saying my account email address had been changed to something I didn't initiate or know. I dropped out of my meeting, called XXXX. Someone named XXXX answered, verified my personal details, asked if I'm calling about the funds transfer. I replied that I can explain why I'm calling. He then said, " Hold on '' and transferred me back to the XXXX customer service line. I hung up. I then called the XXXX fraud line back twice, and each time, after about XXXX minutes, the hold music came on with a recorded message that the BMO mailbox is full and not accepting messages. I called the XXXX customer service line back with more urgency and spoke with XXXX. She said I'd need to call the fraud line, but once I explained what I'd already experienced, she called over together, conferenced with me. We did finally reach someone at the XXXX fraud line named XXXX. XXXX explained to XXXX that she has no access to BMO Alto accounts and can not help me. XXXX asked XXXX what to do. XXXX explained that XXXX should be the one to unlock my access. This was counter to the information the XXXX customer service people seemed to understand. XXXX had me hold while she discussed this with her supervisor, to get permission to unlock my account. When she came back to me on the phone, she told me my online access was cleared. She stayed on with me to confirm I can get in, which I could. 
IT SHOULD NOT TAKE 2 DAYS, XXXX CALLS AND XXXX HOUR XXXX MINUTES ON THE PHONE TO GAIN ACCESS TO MY ACCOUNT. 
Moreover, nobody can explain why it was locked in the first place. Nobody seems concerned about a pretty legitimate looking email saying the email address on the account was changed ( they don't see this on their end ). I don't seem to be able to identify the BMO Alto fraud department to clear that with. Nobody can tell me if XXXX in fraud *was* able to access my account information before transferring me. Also, if I XXXX for " BMO Alto fraud phone number, '' I get an entirely different number - XXXX. If I call that, I arrive to the same prompts as for the regular customer service line of XXXX. I also find this complaint online from other customers. I will be moving these funds to another institution with proper customer service and fraud support, but this is still not ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 a dispute was faxed to Equifax to dispute a fraudulent hard inquiry by XXXX. The dispute included a listing of the inquiry that was the result of the identity theft, a copy of a driver 's license, social security, utility bill, identity theft police report, and a notarized FTC ID Theft Victim 's Complaint and Affidavit. The fraudulent hard inquiry remain on the credit report.
Product: Debt collection

I have been getting numerous calls from XXXX over the past month 4-5 times daily. I would normally ignore the call because i am unfamiliar with the phone number. The times i would answer the call no one would respond, what would happen is that the line becomes silent and then the phone would hang up. I was a bit curious of the person that could be calling and wondered if it was someone who probably changed their number or probably just an important call and so i decided to dial the number on XXXX/XXXX/XXXX after which a female voice answered and said " Is this XXXX XXXX '' so i responded and asked " Who do i have the pleasure of speaking to '' the female voice kept asking if my name is ... ... ... .., to which i responded that it is only mannerly to introduce yourself and say what you are calling about, the person still decided to kept asking me to verify my name, address, and last XXXX digits of my social, I did not verify my social but i gave my name and continued to asked what was the reason for calling but the person kept asking me to verify my address and my SSN to which i did n't. They eventually started to tell me that this is an attempt to collect a debt since XXXX and if i was ever an XXXX customer. they still refused to give me the name of the collection agency they represent and kept saying i owed {$100.00}. I told them sorry they have the wrong person because i never was indebted to a XXXX. However i told the person not to call my phone ever and i will report this call. she ended by saying that this will go to dispute. I can say with all conviction that my credit report does not indicate i owe an XXXX and i am convicted that this is a scam
Product: Credit reporting or other personal consumer reports

In accordance wit the fair credit reporting act 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  15 USC 1681 Section 602A States I have right to privacy. 15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction.
Product: Debt collection

I previously made a complaint about a collections company representing XXXX XXXX XXXX company regarding an auto insurance policy that I canceled. A few months after I canceled the policy the company, XXXX XXXX contracted a debt collector that made allegations that I owe {$1700.00}. I questioned the accuracy of this balance since I paid monthly and canceled the policy before the coverage expired. I also asked the company to send me a breakdown of these charges so I can verify accuracy of what they are alleging I owe. This collections company did not send me this information, and also stated in the last complaint that they would stop contacting me as this debt is not valid because they can show no proof or breakdown on what it consist of. After they made this claim, I received another letter dated XX/XX/18 that also stated I owed this same amount with no description of what this debt actually consists of, with no breakdown whatsoever. This company clearly has no respect or concern for the statement they made to the CFPB regarding them no longer contacting me in regards to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Request for Deletion of Unverifiable Accounts from Credit Reports I am writing to formally request the removal of two disputed accounts from my credit reports maintained by your agency. As of XX/XX/year>, an investigation was completed by XXXX regarding the following accounts : XXXX XXXX charge-off in the amount of {$460.00} XXXX XXXX  XXXX in the amount of {$1400.00} The investigation concluded with the deletion of these accounts from my XXXX secondary credit report due to their inability to verify the accuracy of the information. As a result, I am requesting that these accounts also be removed from my credit report with your agency, as required by federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure that all information reported is accurate and verifiable. If XXXX has deleted these accounts based on their inability to verify the information, your agency must also remove these accounts to ensure compliance with the FCRA. Failure to do so would result in the continued reporting of unverifiable information, which is a violation of my rights as a consumer. 

Additionally, FCRA 611 ( a ) ( 5 ) ( A ) mandates that if information can not be verified, it must be promptly deleted or corrected. I kindly request that you complete your investigation and remove these accounts from my credit report within 30 days of the receipt of this letter, in accordance with FCRA guidelines.

If the accounts are not removed within this timeframe, I reserve the right to take legal action as provided under FCRA 616 and 617. These sections outline my right to seek damages for noncompliance, including actual damages, statutory damages, and attorney 's fees. 

Enclosed, please find a copy of my XXXX credit report showing the deletion of the accounts, along with any supporting documentation that may assist in your investigation. I expect a written confirmation of the actions taken regarding these accounts. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit XXXX date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Product: Mortgage

Ive been working with Wells Fargo since XXXX XXXX to sell my house as a short sale. I have provided Wells Fargo all the documentation they asked for to process this action but they keep telling me they havent received my documents and that I also need to send in more documentation. I also have sent in cash offers to the bank from a buyer interested in purchasing my house but Wells Fargo rejects all the offers or they say they never received the offers. Im always assigned to a new home preservation specialist every three weeks so when I call the bank I have to go through the whole process all over again. My house could have been sold three months ago with a cash offer of {$150000.00} from the remaining balance of my loan of {$170000.00} but they rejected it and the buyer walked away now Wells Fargo is sueing me and putting me into forclosure. Ive been working with Wells Fargo and I have corporated but Wells Fargo isnt working with me or corporating with me. I have done everything Im supposed to sell my house to pay my loan off but Wells Faro is putting me into forcloseure on purpose. When I call I can never get anyone on the phone. I just want to sell my house and get my loan paid off. Wells Faro has been a nightmare for me. They are comiting criminal activity.
Product: Credit card

I called to the fraud department and reported that I didn't purchase any gift card. I called them multiple times for them reporting, I have been frauded with both Macy 's card and Macy 's XXXX card. Macy 's fraud happens in the XXXX XXXX XXXX. Ironically, it shows that it was the same day when I purchased ring for my gf on XXXX XXXX  sale. 
I am writing to you ; they are not admitting their fraud mistake at store level. They are putting on me. They have updated my information in my profile which is not related to me at all. I have requested to verify my security code. they don't verify at all, Then I have decided to close my account. Customer report told me to destroy the card. last 4 digit of the card XXXX. I cut the card. I have been going back and forth with them. I am getting any resolution. Calls go to XXXX ; they customer service rep is not doing anything besides just give me an excuse of 2 billing cycle. But I have been calling in XXXX, and XXXX, and XXXX. 
I need your assistance on resolutions on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAY XXXX WHILE GOING OVER MY CREDIT REPORT I SAW SEVERAL ACCOUNTS A ADDRESSES ON MY XXXX XXXX, EXPERIAN, AND XXXX  REPORT THAT DO NOT BELONG TO ME. MY DATE OF BIRTH WAS WRONG AS WELL. THERE WAS SEVERAL PHONE NUMBERS LISTED THAT DO NOT BELONG TO ME. THERE WAS ACCOUNTS WITH THESE COMPANIES NEVER DONE BUSINESS WITH THESE ORGANIZATIONS.XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I AM UNABLE TO RENT OR BUY A HOME NOW WITH THESE UNRECOGNIZED ACCOUNTS ON MY CREDIT REPORTS. 
MY CURRENT AND ONLY ADRESS IS XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OR XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Debt collection

To Whomever This May Concern : First off, this is not a company or agency writing this. This complaint is being submitted by XXXX XXXX XXXX. I am submitting a complaint against Amsher Collection Services , Inc . I disputed a letter that I received in the mail from them about a debt that I do not owe. I asked for verification of the debt. They did not send anything but another letter stating that they have verified it with the original debtor. They have not submitted written proof that I requested showing that this debt belongs to me, which it doesn't. I am not appreciative of them trying to collect a debt that doesn't belong to me. I am also requesting that they cease and desist all phone calls to me.
Product: Credit card

This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. 

I first noticed this problem when I was late on a payment in XXXX of XXXX. 

I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. 

I filed a dispute with Equifax in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked today ( XX/XX/XXXX ) and it is still not showing up. 

From what I can tell XXXX and XXXX are also reporting the same error.
Product: Student loan

I had XXXX  at first and was {$24.00} monthly, I couldn't afford so I ask how to get loan forgiveness because was homeless and on XXXX. So the suggested I consolidate first, witch I did. 
After XXXX  serving send me an email stating that I qualify forgiveness Tru social security, but after Mohela send me later, saying that my request was pas due and that my monthly payment would start and is {$160.00}, so I call and try talking to one of the staff members. How I can do because I don't have those kinda of money am homeless and on XXXX. But she don't want to listen she insist I log back on and try finding options. So I did find to lower it to XXXX monthly but they stil sending me bills. I call XXXX and they say am not with XXXX  anymore so they can't help, but suggest I call Mohela again. But I told the lady is a waste of time. They either don't want to help are they just don't know how to do they work. So she said she sorry that's the best she could do by giving me Mohela number.
Product: Money transfer, virtual currency, or money service

On the day of XX/XX/2023 I was robbed of my belongings such as my wallet and cellphone most importantly, this occurred as I was in my local gym like any other. 
For a week or so I did not have any way of communicating since I didnt have my phone, when I acquired one I logged into my chase bank application realizing my bank account had been charged with some transactions not authorized by me thru XXXX XXXX XXXX XX/XX/2023 {$2900.00}, XX/XX/2023 {$2900.00}, XX/XX/2023 {$2600.00} in all {$8600.00}. I immediately called my bank to inform them, they cancelled my card and gave me a new one and they did return the money at first. 
Some time went by and in the month of XXXX it happened again but this time it was the bank whom had retaken the Money assuring that they had information against me saying that i had committed these transactions, they sent me this so called proof which all I saw where receipts of transactions from a different country under my name to some people that I have no knowledge of and have never seen them. 
I have gone to the bank and tried to prove my innocence by showing my police report of the incident and various other paperwork, till this day I dont get my calls answered and havent had any money claim case reopened.
Product: Debt collection

XXXX  {$2700.00} 2014 XXXX credit card open in with my information as result of identity theft. 
Filed and sent police report and FTC claim to XXXX as well as all 3 bureaus. 
XXXX refuse to acknowledge claim. 
Credit Control is the debt collector that sent out notice. When I disputed the claim the file was transferred back to XXXX Bank for the claim to be denied. One e denied file was reassigned back to Credit Control. I ask company to send me a copy of the original contract so that I can conduct a personal investigation just to keep receiving bill statements. This is causing hardship due to credit denial
Product: Mortgage

Completed a Loan Modification on a mortgage and have been paying the mortgage payments consistently since XX/XX/XXXX. It was my understanding that after the modification was completed that the loan would be recorded on the three credit repositories. Note, a BK XXXX occurred, the loan was included in the BK XXXX, with the request to reaffirm the mortgage since the modification was approved and the trial period was successful. To date, the mortgage is being paid on time every month. It is unfair that these mortgage payments are not being reported to any of the credit repositories, evidencing the payment history. I would like to have these payments commencing from XX/XX/XXXX to present to be recorded with the three credit repositories. The modification process required me to execute an additional mortgage and promissory note, which was recorded at the county level so why then is this information not being carried over to the credit repositories? Any assistance you may offer would be greatly appreciated. 
The attachments supplied to this complaint show the modification balance, the payments made since the loan modification up through XX/XX/XXXX with the new escrow balance being required. ( Note : WF Paid outstanding water liens on the property which were missed during the modification closing - in order to clear them, I requested that payment is made to the City so that everything was clear from the property ) An increased payment will commence in XX/XX/XXXX. 

Thank you for your efforts in advance and I do hope that this matter may be resolved quickly.
Product: Credit card or prepaid card

I was at a Wyndham XXXX XXXX  presentation in XXXX  with my wife. The sales rep said they needed my social security # in order to see what type of time share package I would be eligible for. At no time did the two representatives that did the presentation said anything about me applying for a credit card. We spent 2-3 hours at the presentation and about a half hour after we left, I got an email stating I have been approved for a Wyndham credit card. I never authorized anyone to apply for a credit card in my name. I immediately called the credit card company, explained my situation and closed the card. I tried to contact the Wyndham XXXX XXXX presentation site, but was unable to find a way to call the location directly. I spoke to a sales rep who is unable or unwilling to find out who opened a credit card in my name without authority. 

Secondly, they also did a bait and switch on us. We were told we could sign up for their " XXXX XXXX '' and try out all the time share benefits as a time share owner without commitment. After signing some documents and handing our credit card and financial info over, we discovered the XXXX XXXX have limitations and DID NOT have the same benefits as a time share ownership. The Wyndham XXXX XXXX might have been a decent product, but the sales tactics are so manipulative and deceiving! We were told one thing and then given something else.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that you will investigate these accounts for me to ensure accuracy Here are the account I am asking you to verify as accurate : 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, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount number