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

I have started receiving emails feom community bank and receiving calls. I then blocked all numbers and started receiving no collar id calls. Which was again from comenity bank. So I started not answering. Then I began receiving emails from XXXX XXXX. I blocked them because I had never even heard of them before and the emIls were getting ridiculous. Yesterday I received a bill from comentiry bank for XXXX XXXXXXXX. The bill is addresses to me. The info has only a account number blocked out except for the four last digits of an account. For a {$230.00} the only place on the bill that has my name on it is the return payment with a XXXX XXXX . I called them and the person that picked up had a pause and delayed reaponse and tried to ask me for personal information
Product: Credit card or prepaid card

For my Marcus XXXX Rewards Card I was charged a late fee and interest. The company refunded me the late fee and interest but charged additional interest on the late fee and interest that was refunded. No other card charges interest on a refunded fee.
Product: Vehicle loan or lease

I went through the process of filing an out of state title transfer for my vehicle. The original RI title was mailed from Wells Fargo to the Maine XXXX on XXXX XXXX, XXXX. The Maine XXXX transferred the title to Maine and mailed back the title to Wells Fargo in the provided Wells Fargo envelope on XXXX XXXX, XXXX. Neither the Maine XXXX or Wells Fargo have a tracking number for the envelope mailed. I need a copy of the Maine title to be faxed from Wells Fargo to someone else so that I can sell the vehicle and get out from under the loan. Wells Fargo has told me that they have n't received the Maine title, even though it is past XXXX business days. I believe that since they know I am in the process of selling my vehicle, they are purposefully giving me the run around in order to continue to collect interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. 
Following that I informed all creditors and credit bureaus of this. In XXXX of XXXX I realized that all except Equifax had updated my name. I also realized at this time ( due to a mortgage loan application ) that creditors were unable to pull my credit from Equifax. 
I contacted Equifax in XXXX of XXXX. I was told it would be updated as I sent in documentation. 
I tried to pull my own file with Equifax through myfico.com and they also were not able to pull my Equifax and refunded my the money. 
I was told by Equifax over the phone, it's correct it just isn't reflecting however it is definitely under my name correctly. I noticed in my account with Equifax on their website. It shows my name as XXXX XXXX on my account page, however in my credit file under personal information, it still shows XXXX XXXX. Under, " Formerly Known As '' it is blank. 
I would also like to state my credit file with Equifax has not changed nor been updated in years, even though I have two different mortgages, two refinances, different and new credit cards etc, in this time. 

There is no freeze on my report, Equifax website tells me there no freeze. I figured it would work itself out as I know sometimes corrections can take time. 

XXXX of XXXX, I apply for a cash out refinance. My Lender tells me they are unable to pull my Equifax credit report. Luckily my loan was still approved. 

I logged into my Equifax account, and realize that my name is still not accurately reflecting and that my credit history, etc, has not been updated in YEARS! 

I contacted Equifax again, through the dispute center online via their website. Confirmation number XXXX and brought the issue to their attention. I also re-uploaded my name change documents. A couple days later I received an email saying my issue was resolved and that in short, told me to make sure my lenders were sending in accurate information when they go to pull my credit. The entire response was essentially a none answer, and still did not resolve my issue. 

Lenders, including myself through myfico are unable to pull my report, my report has still not changed or updated in years, and my name change STILL has not been done nor reflected on my credit report. From the lenders side Equifax just doesn't send back anything, it is blank. 

I am at my wits end and I am here seeking your help.
Product: Debt collection

I paid off a debt that First Progress sold to XXXX XXXX. XXXX XXXX has removed the collection from my account, but First Progress is still reporting the debt on my credit report, showing an unpaid balance of {$190.00}. Ive reached out to them but keep encountering obstacles..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # has 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX acct # xxxxxxxxxxxx XXXX Reported Balance {$420.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$220.00} XXXX ) XXXX  XXXX XXXX Account Number XXXX XXXX Reported Balance {$2900.00} XXXX ) US DEPT OF ED/XXXX  Account Number XXXX XXXX Reported Balance {$26000.00} XXXX ) US DEPT OF ED/XXXX  Account Number XXXX XXXX Reported Balance {$34000.00} XXXX ) XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXXY Account Number xxxxxx XXXX Amount {$1800.00} XXXX ) XXXX XXXX  Account Number xxxxxx XXXX Amount {$3200.00} has 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 a account without my written instructions
Product: Mortgage

Carrington mtg not sending over documents for XXXX funds to perform a modification on my loan. Home was in deferment during XXXX but XXXX has me 180 days late.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. Amshercollection services Bal. 2,191
Product: Mortgage

I requested Proof of Claim, and I paid the amount in full.They did not reply. I requested for a notice for Paid in Full.They did not reply. I dont owe nothing and I have paid it all off.
Product: Credit reporting or other personal consumer reports

The modifications to credit reports in XXXX of XXXX were a direct result of a lawsuit settlement against the XXXX major credit bureaus Equifax, XXXX, and XXXX. This settlement resulted in the creation of the XXXX XXXX XXXX  XXXX ( XXXX ). 

XXXX mandated that the XXXX credit bureaus could only report public records, i.e., bankruptcies, civil judgments, and tax liens, if sufficient PII ( personally identifiable information ) existed on the record and if the records were updated at least every 90 days. PII includes name, date of birth, social security number, and address. 

XXXX XXXX XXXX is reporting a judgment from a landlord obtained in XXXX on our credit reports, and the credit bureaus are all reporting this judgment. While it does not say " judgment '' on the credit report, XXXX XXXX XXXX was the attorney in charge of not only securing the judgment but also the collection agency. 

Despite collecting consumer debt and reporting to consumer credit portfolios, they are not licensed to collect debts in the state of California. 

The civil judgment in question is a public record that only has XXXX of the XXXX PII required to report on our credit bureau report, as such it must removed according to the XXXX settlement. 

Furthermore, the entry is incorrect because it indicates the original creditor is XXXX XXXX XXXX. This is incorrect, as the person we rented the house from was an owner, not a property management company and the property management company has not right to collect the debt.
Product: Credit card or prepaid card

On XX/XX/XXXX I had paid with my American Express the last amount for a trip with the invoice being a total of {$2100.00}, the invoice included the travel insurance. Each call to the travel agency ( XXXX ) resulted in a transfer to nowhere or not receiving the information that was promised. I have contacted the credit card company on XX/XX/XXXX to help resolve the issue but they are not able to provide the refund even the clear fraud that the web page is doing. I have contacted as well XXXX XXXX XXXX to no avail. 
I have no received any information from any party what are the intentions or required documentation to resolve this issue.
Product: Payday loan, title loan, or personal loan

Acct :  XXXX   XXXX   XXXX   XXXX  Payment was iniatted and completed o n  XX/XX/XXXX .    XXXX  Internal transfer occurred in approx.   XX/XX/XXXX  Auto paym ents were disabled, due to unkown reasons.   XXXX  Customer,  XXXX   XXXX , reported difficulties making payments.   XXXX  Other payment attempted for varying amounts but were not successful. We believe that  this may be a  wells fargo system issue. Attempts to clarify with Wells Fargo were non-conclusive to date.   XXXX  Currently, the account is is collections and has adversely affected th e credit score of both the owner (   XXXX   XXXX   ) and the guarantor (   XXXX   XXXX   ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, we noticed a transaction for {$60.00} had been taken from our checking account via XXXX XXXX. As we do not have the app, we reported it to our bank Wells Fargo. We then discovered 11 other transactions totaling {$84.00} had been taken over a period of 3 months. We opened a claim with Wells Fargo and were told they would normally only go back 60 days, but it would be sent to a special team with a view to getting a total refund. Was also told that the pending {$60.00} could not be stopped and would have to go through our account. Making the claim was no easy task and my wife was refused access to speak about it, even though the account in question is in her name also. Was also told that if we wanted to avoid fraud, not to use Wells Fargo debit cards. 

We then contacted XXXX XXXX with a view to highlighting this fraud and after a few emails, they stopped replying. They have now been reported to the XXXX XXXX XXXX, with no resolution so far. 

On XX/XX/XXXX, Wells Fargo refunded us just {$74.00}. This time we were told that the bank would only pay for transactions 60 days from the first fraud date - not 60 days back from the claim date as we were told. Essentially they agreed that the entire list of transactions were fraudulent, but they would only refund half of them as they had not been reported in a timely manner. This is despite us being covered by zero fraud liability and reporting this whilst a fraud was pending. 

On XX/XX/XXXX, we visited our branch and spoke with the manager who assured us that zero liability means just that and he escalated our complaint to the Resolutions Teams. We provided a chronology of events, names, discussions and lies we had been told by Wells Fargo customer service agents. This was photocopied by the branch manager and sent to the Resolutions Team. We were assured we would have an answer within 1 business day.

3 business days later, we were informed after chasing them that our complaint had been forwarded to Operations Executive Office and they had until XX/XX/XXXX to respond. 

On the XX/XX/XXXX, again we chased them and again, the agent dealing with our claim was unavaiable. Undeterred, we waited on the phone to speak to someone else. We were then informed that a decision had been made on XX/XX/XXXX ( but no one had bothered to contact us ) The decision was that they refused to refund the outstanding {$70.00} as it wasnt reported in a timely manner, despite the FACT it was reported while the charges were pending. We were told this is as far as we could go with Wells Fargo. 

There was no mention about the test of the complaint or how we had been treated and lied to. We then contacted our bank manager with a view to shutting down all 4 of our Wells Fargo accounts and he could offer no compromise. We deem this necessary has Wells Fargo can not and will not safeguard our money. We have been the victim of fraud through Wells Fargo many times in the past, but naively chose to stay. After 35 years of loyalty, they will lose a customer over {$70.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at DEPT OF EDXXXX on XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Vehicle loan or lease

My main complaint is I feel my vehicle XXXX XXXX is no longer safe to drive. I request for XXXX XXXX XXXX to apply the repurchase program. However I was told I didn't qualify for the program under the Arizona Lemon Law. However, as a goodwill gesture ( HMA ) agreed to settle my claim and offer to reimbursement of 2 car payments. 

I purchased this vehicle new in XX/XX/XXXX with less than 50 miles on it. In early XX/XX/XXXX I started to have mechanical issues and repairs on my car. Still under warranty. XX/XX/XXXX my engine was replaced with a new one. On XX/XX/XXXX I took my car in for a oil change and recall on the software ( computer system ). On XX/XX/XXXX as I was driving down XXXX XXXX, my check engine light came on and shortly afterwards my car stopped in the middle of the road. I immediately contacted the service at XXXX XXXX XXXX. At this time I advised XXXX XXXX service manager of the situation and that I was going to bring the car back in. After about twenty minutes I was able to get it started and returned back to the dealership. As i was headed back to the dealership I was not able to drive more than 35-40 miles per hour. That was  as fast as the car would go. At one point I stared to pull over and call for a tow truck, but didn't have time because the dealership was closing shortly. My car has been at the dealership since XX/XX/XXXX. XXXX and still unable to figure out the problem. On XX/XX/XXXX ( HMA ) ordered another new engine to be put in my car and again this didn't fix the problem.My check engine light is still on, with no near repair date if any. Please help.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account XXXX XXXXXXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : Not Stated on Credit Report ) Account XXXX XXXXXXXX Account Name : XXXX XXXX XXXX ( Original Creditor : Not Stated on Credit Report ) Account # XXXX Account Name : XXXX XXXX XXXXXXXX ( Original Creditor : Not Stated on Credit Report ) Account # XXXX Account Name : XXXX XXXX XXXXXXXX ( Original Creditor : Not Stated on Credit Report ) Account XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit card or prepaid card

In XXXX I disputed $ XXXX in a stolen debt card - it took days to finally get in touch to report the missing money for they kept hanging up on me- about 10days after finally reaching someone and filing the dispute I was credited the XXXX well I thought all was good but the way I felt they treated me I switched my ssi deposit to XXXX  -- well last week my stimilus check for XXXX $ was sent to direct express- well they garnished XXXX XXXX of the XXXX -- after finally getting in touch with them again - being hung up on several times first - they said after investigating my dispute they overturned the decision and took the XXXX out of my stimilus- I contacted comerica bank and explained to them what direct express did there reply was they DIDNT investigate after all- I contacted the store atm owner to see if they were contacted for investigating the stolen card use and they said no- direct express owes me XXXX $ - the president of comerica bank and all other creditors said for no reason will the second stimilus be garnished for any reason- but direct express not only took XXXX $ of my ungarnishable XXXX stimilus check they did not reach out at all to investigate my stolen card transactions- I need my money- my name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following o XXXX XXXX XXXX XXXX CA XXXX o XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX o XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX o XXXX FCU XXXX Balance : {$580.00} o XXXX XXXX Balance : {$100.00} o XXXX FCU XXXX Balance XXXX {$4500.00}
Product: Debt collection

Apple, I am requesting if this debt APPLE CARD XXXX was ever securitized and or transferred to a trust by Apple? And if so how have you been legally able to collect and report this debt to credit reporting agencies?
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXXXXXX XXXX regarding an inaccurate item on my credit report. On XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to the address listed on my credit report for XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX, AR XXXX. However, the letter was returned to me as undeliverable. 

Enclosed with this complaint, you will find a copy of the original dispute letter I sent to XXXX  XXXX XXXX, along with the returned mail envelope clearly indicating that the letter was undeliverable. This evidence demonstrates that XXXX XXXXXXXX XXXX has failed to maintain accurate contact information, hindering my ability to dispute the inaccurate item on my credit report. 

I am demanding that XXXX XXXXXXXX XXXX take immediate action to contact the credit reporting agencies and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), creditors are required to furnish accurate information to credit reporting agencies and to investigate disputed items. 

Furthermore, I assert that this account is unverifiable due to XXXX XXXXXXXX XXXX 's inability to maintain accurate contact information. It is imperative that XXXX  XXXX XXXX take corrective action to rectify this situation promptly. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX XXXXXXXX XXXX complies with federal regulations regarding accurate reporting of consumer credit information.