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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute with transunion XX/XX/XXXX regarding a closed XXXX XXXX a count reporting adverse on my report. Date of first delinquency is XX/XX/XXXX and therefore delinquency should be removed by XX/XX/XXXX. Transunion will not remove the delinquency. Other 2 cb 's have already removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I mobile deposited my paycheck with USSA. They said the check would be in holding for over 10 days. I live paycheck to paycheck and can't afford to wait over a week to pay my bills. When I requested USSA have my money returned they said they can't do anything. This seems very illegal.
Product: Payday loan, title loan, or personal loan

THIS CONSUMER FINANCIAL PROTECTION BUREAU ( " CFPB '' ) ' COMPLAINT ( S ) IS ( ARE ) RELATED TO MY PREVIOSLY FILED CFPB COMPLAINT AGAINST THE SO-CALLED, XXXX CREDIT REPORTING AGENCY/CORPORATION THAT IS ( ARE ) DOCKETED AT XXXX ET. AL. I HAD THIS WELLS FARGO PERSONAL LINE OF CREDIT SINCE THE YEAR OF XX/XX/XXXX, AND I HAD NEVER BEEN LATE WITH A PAYMENT, AND/OR EVEN MISSED A PAYMENT, AND ETCETERA. IT WAS NOT UNTIL NEGATVE INFORMATION PURPORTEDLY APPEARED ON MY SO-CALLED, XXXX CREDIT REPORT, AND AFTER BEING TOLD I HAD TO MAKE AN ANNUAL FEE PAYMENT, ON OR ABOUT, XX/XX/XXXX, TO RE-ACTIVATE MY WELLS FARGO BANK PERSONAL LINE OF CREDIT, WAS WHEN YOUR WELLS FARGO BANK, TOTALLY ILLEGALLY AND TOTALLY WRONGFULLY AND TOTALLY FRAUDULENTLY CLOSED MY WELLS FARGO BANK PERSONAL LINE OF CREDIT EVEN AFTER I HAD PAID THEM THE ANNUAL FEE, WHICH THEY HAD PROMISED THAT THEY WOULD RE-ACTIVATE MY WFB PERSONAL LINE OF CREDIT, WHICH THEY HAD THENIMMEDIATELY CLOSED.-
Product: Credit card

During the middle of XX/XX/2017, I applied for the Brand Source Card at XXXX XXXX located in XXXX XXXX. I spoke with a customer service representative via phone to verify all of my personal information ( SS #, DL #, etc ) including my income. My information was verified via the Credit Bureau. I was approved immediately for a {$4000.00} credit line to be used solely at XXXX XXXX. Fast forward to two months later, and they are currently requesting my income tax return when my credit limit is not even high. I called their customer service department today and advised that their business is shady and they only approved me for the credit card in order to finalize the sale with XXXX XXXX. I advised the representative, who did not identify herself, and gave her my authorization to speak to my wife. She advised my wife, that they were notified by an outside source that my income had changed significantly and that is why they are requesting our income tax return. Since I experienced identity theft before, I do not feel comfortable sending my tax return information to this credit card company. I advised the representative to close my account. It is unfortunate that XXXX XXXX has lost our business. With all due respect, this is a store credit card. I have owned several credit cards through out my life and have never experienced this bizarre and unethical situation with a credit card company before. I researched Brand Source Store credit card issued by Citibank and there are several negative reviews posted by account holders which describe shady business practices.
Product: Mortgage

Select Portfolio Servicing Inc. is my servicer. XXXX XXXX is the note holder. In XX/XX/XXXX we applied and submitted for a Loan Modification on our XXXX, Owner Occupied Home. We were granted a modification in XX/XX/XXXX. We signed and returned the modification agreement, as did our servicer. In XXXX, the servicer unilaterally attempted to change the terms of the modification. Our payment would rise and our Balloon Payment was going to rise from {$200000.00} to over {$800000.00}. We have refused to accept the change as it is NOT beneficial. Recently, Select Portfolio Servicing refused to take our payments and attempted to foreclose on the property. We have reached out to them on a constant and consistent basis. We requested a review on XX/XX/XXXX and were given a 45 day window for a resolution. It has been over 50 days and they have NOT responded in any way. They continue to add late fees even though we have been current since the modification. 
The Servicer has verbally responded that they will NOT honor the signed modification from XX/XX/XXXX, given that we did NOT accept their revised modification offer. They have NOT furnished their response in writing nor in a timely manner. We informed them that we will be filing a complaint against them.
Product: Debt collection

On XX/XX/XXXX, a dispute on a collection was placed with Central Financial Control in regards to medical bills placed on my credit reports by this company. I received proof of medical bills on XX/XX/XXXX a week after the 30 days they were allowed to prove this information. The letter is postmarked for XX/XX/XXXX, however it took over a week and a day before I received this letter in the mail. In the letter proved they showed the hospital I owe a medical debt including the hospital bill, my child 's medical record number, dob, and access to her medical diagnosises. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my child 's current or prior medical providers to release any of my child 's medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. I would like to see a signed agreement with this third party showing I owe this debt to their company after it has been sold by the hospital. They also stated they will have a cease and desist unit as well as damage my credit and will not delete as it is not warranted. However, this deletion is warranted as they have validation my child 's HIPPA rights in order to collect a debt as a third party. There were no agreements or signatures I signed with this company as it is unfair, I should not have to pay for a debt that is not owed to them when they are not the orginal debt collectors. I demand deletion on all debts associated with this company.
Product: Credit card

THE STATEMENTS WERE MAILED TO MY ADDRESS INSTEAD OF MY XXXX XXXX XXXX XXXX. THERE IS NO MAIL DELIVERY TO MY ADDRESS OR ANY IN THE TOWN OF XXXX, ONLY XXXX XXXX XXXX. I DID NOT GET THE STATEMENTS AND, THEREFORE COULD NOT PAY THE BILL. I WAS NEVER LATE ANY OTHER TIME.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you of my intent to take legal action against Experian, XXXX, and XXXX due to the reporting of fraudulent accounts in my credit report, which has resulted in severe financial and reputational harm. I have previously submitted an identity theft affidavit to your organization as evidence of the fraudulent nature of these accounts. Despite my efforts to rectify this situation, the damaging information continues to negatively impact my life. 
The law is clear that credit bureaus are required to report all accounts accurately. The alleged accounts in question were not opened by me ; my identity was stolen, which is the sole reason these fraudulent accounts exist in my credit report. To resolve this matter and avoid legal action, I demand the following information and actions : 1. Provide a complete log of all dates and times you attempted to contact me regarding these alleged accounts. If these accounts were established by another party, you must specify your relationship with them, whether you are reporting this information as an " assignment '' or if you have purchased the alleged accounts outright. Additionally, provide all account details for at least a year leading up to this action, including any collection fees or interest incurred. If you are a third-party collector, please furnish proof of your license or bond to collect in my state, allowing me to confirm your identity.

2. Present evidence of my wet signature on any relevant documents associated with these
Product: Mortgage

Wells Fargo is the servicer of my home mortgage. They delayed the closing of my mortgage because the bank was not aware of how to calculate interest on federal savings bonds. I have reason to believe that, due to my relative youth ( XXXX XXXX XXXX at time of purchase ) they gave me a worse interest rate than what was available to them, thereby taking advantage of my relative ignorance in the process. They promised to close the day after my receiving my closing disclosure in clear violation of TRID. Wells Fargo has also participated in fraudulent account creation which I believe affected my interest rate. This fraudulent account creation is illegal and immoral. I no longer have confidence that Wells Fargo will handle my money responsibly. I do not believe that they are acting in my best interest. Their fraudulent and illegal actions have affect the price of the service they offer. That is a violation of the mortgage agreement I signed with them. They also demanded escrow payments months after they went into the red on the account thereby hiking my mortgage payments significantly.
Product: Checking or savings account

Hello sir, This is XXXX XXXX XXXX. A friend of my online business friend we have been friends for 3 years so one day I ask him to help me out with money so I can get food and pay my bills becuase I have no job beacuse of my condition. I have not been walking for long year now so he got me a check to deposit on my pnc bank so I deposited not knowing that the check was faking without alaer or other and my pnc account was closed becuase of the mistake. Please I really need help with a new account so I can be able to pay my bills and get food etc. Please sir This is fro m jmy heart nevrwill I take a check from anyone Please I will not make msure mistake again.
Product: Credit card

I am filing a complaint against American Express regarding 2 charge-off credit card accounts on my credit report. I believe these charge-offs are in violation of 15 USC 1681eb , which mandates that information reported to credit bureaus be accurate, and 26 USC 6050P , which requires the issuance of a 1099-C form when debt over {$600.00} is canceled. Violation of 15 USC 1681eb ( Fair Credit Reporting Act ) : American Express has reported 2 charge-off accounts on my credit report, which I believe are inaccurate or outdated. According to 15 USC 1681eb, creditors must ensure that the information they report to credit bureaus is accurate. I dispute the validity of these charge-offs, as they do not reflect the true status of the accounts. These entries may violate the requirement to report only accurate and current information. Failure to Issue a 1099-C Form ( 26 USC 6050P ) : I have never received a 1099-C form from American Express for the discharged debt. Under 26 USC 6050P, creditors are required to issue a 1099-C when {$600.00} or more of debt is forgiven. If the charge-offs was due to debt cancellation, I should have received this form, but I have not.
Product: Debt collection

Key Bank was notified in writing that my mother had passed and included was a copy of her death certificate and a copy of the death certificate was also hand delivered to the local branch where my mom also had a checking account. Key Bank continued sending threatening letters to a dead person adding additional finance charges, late fees etc. Then Key Bank turned over the debt to XXXX XXXX XXXX. Upon receiving the notice from XXXX, I responded that the amount they were trying to collect was incorrect and there was no monies remaining in the estate ( at the time there was none, recently I was made aware that additional monies will be coming to the estate ). XXXX sent another letter address to me with a notarized document giving the appearance that the document came from XXXXXXXX XXXX Court of the State of New York - XXXX XXXX. This is a fake document as this is out of XXXX XXXX 's jurisdiction ; my mom died in XXXX XXXX. Additionally, I called XXXX XXXX  - XXXX XXXX and the representative I spoke to confirmed the file number XXXX referred to was not from XXXX XXXX, their numbers don't start like the numbers provided and the representative informed me that XXXX XXXX Court would not send anything out on behalf of a collection agency.
Product: Debt collection

Filing action with court multiple times even though I have a payment agreement inplace. I believe they searched out my name a acquired any accounts and filed claims, knowing that they could collect more.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding a serious issue that has arisen following my recent application for residency at The XXXX apartments address : XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

I submitted an application to rent an apartment at The XXXX. However, I was dismayed to discover that my personal information was shared with Rent Plus, a credit builder agency, without my consent. Subsequently, Rent Plus conducted a credit check on me without my prior knowledge or authorization.

This breach of privacy and unauthorized credit check are significant concerns for me. As you may be aware, sharing personal information and conducting credit checks without explicit consent are violations of privacy laws and consumer protection regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, after 120 days late, knew I couldn't pay, and intentionally financially abused me through ballooning the amount up to file a large tax credit with the support of Transunion.
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 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 XXXXXX/XX/XXXX
Product: Credit reporting

had requested experian to investigate a credit inquiry for XXXX card dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX card. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Product: Checking or savings account

I have a custodial account and a personal account at discover. When I turned XXXX, Discover froze my custodial account pending my completion of forms to transfer that custodial account to being a personal account owned solely by me. This freeze prevented me from logging in to their online banking portal, also preventing me from accessing my personal account with which there was no issue. I called Discover customer support several times in XX/XX/2020, after which they claimed that they had mistakenly blocked access to my personal account and allowed me access to that account again. Recently, I have had my access to the personal account blocked again. Today ( XX/XX/2020 ) I called Discover again to ask for access to my personal account. I was told that, per Discover policy, I can not be allowed to access my personal account until the custodial account issue is resolved. This is not consistent with what I had been told previously, and regardless seems to me to be Discover preventing my access to an account with which there is no issue.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681o - Civil liability for negligent noncompliance. Case Number ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Experians Failure to Investigate Credit Report Disputes Description of the Issue : I am filing this complaint because Experian has failed to investigate or address my credit report disputes over the past 120 days, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to resolve fraudulent items on my credit report, Experian has disregarded my disputes and provided vague, unsubstantiated explanations. 

Since initiating my dispute process more than 120 days ago, Experian has repeatedly claimed that someone else is disputing on my behalf, but they have not provided any evidence or details to substantiate this claim. This response is both inaccurate and insufficient. I have never authorized anyone to dispute on my behalf, and Experian has not provided any explanation, proof, or resolution to my concerns. 

Additionally, I have called Experian multiple times over this period and spoken with several representatives. I have escalated my concerns to their supervisors, yet no action has been taken to address the fraudulent items on my report. Each representative I spoke to either reiterated the same vague excuse or refused to take meaningful action to investigate my claims. 

Key Details :
Product: Checking or savings account

I recieved 2 different Visa debit cards from TD bank which I never have or even heard of them. I called them a few weeks ago and got their fraud XXXX. and they said they took care of it. Today I recieved checks from 2 different accounts which I did not order, as I am typing this I am waiting for them to take my call for these checks. I did not nor do I want these. I have locked all3 Credit Bureaus a month or so ago because I recieved a card from XXXX XXXX XXXX which they informed me they caught and stoped it before I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a complain against Experian, complaint # XXXX. This was in regards to a derogatory credit account illegally being reported on my Experian credit report. On XX/XX/2019, Experian responded back to my complaint explaining that the account I was disputing was not being reported on my most current Experian credit report, and that they would mail me an updated Experian credit file. Today, XX/XX/2019, I received said Experian credit report, and the item that Experian told me was not on my credit report, is in fact, on the updated credit report they sent to me, report # XXXX, dated XX/XX/2019. I have scanned page 4 of the report that continues to illegally report this negative account on my Experian credit file.
Product: Debt collection

Upon checking my credit report I noticed an unusual account stating that I was leasing a phone and that a balance of XXXX was owe. I have never and I repeat never leased a phone, so immediately I knew this was apart of identity fraud
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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
Product: Debt collection

I USED THE PAYDAY SERVICE TO BORROW XXXX DOLLARS MADE FIRST INSTALLMENT HAD AN ILLNESS NEEDED 30 DAYS TO GET BACK ON TRACK EMONEY WAS NOT ABLE TO PROVIDE RELEIF PUT A STOP PAYMENT ON ACH WITHDRAWL AND EMAILED THE COMPANY STATING WOULD BE CONTACTING AND SETTING REPAYMNET OPTION BEGINNING OF XX/XX/XXXX RECIEVED A CALL AT MY WORK NUMBER XXXX AND FATHERS NUMBER XXXX SPOKE WITH REP AND STATED ONLY CONTACT ME BY EMAIL, TEXT OR CALL XXXX CAN NOT RECIEVE PERSONAL CALLS AT WORK 7 DAYS AFTER THIS CONVERSATION STILL RECIEVING CALLS TO MY WORK NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, I sent a follow-up dispute (XX/XX/19) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. ACCOUNTS	XXXX XXXX XXXX XXXX		XXXX	not mine	XXXX XXXX XXXX		XXXX	not mine	XXXX XXXX XXXX		XXXX	not mine	XXXX XXXX XXXXXXXX	not mineXXXX XXXX XXXX XXXX		XXXX	not mine
Product: Debt collection

On XX/XX/2020, I was notified by XXXX XXXX regarding a substantial decrease in my credit score due to the appearance of a new account. Upon reviewing my credit reports through all three credit bureaus I noticed the appearance of a collection filed by SEQUIUM ASSET SOLUTIONS , LLC, regarding {$120.00} debt owed to XXXX XXXX. I have never been notified of such debt by XXXX XXXX, nor by Sequium Assat Solutions, and my account with XXXX XXXX has routinely been timely paid.