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

In accordance with the Fair Credit Reporting Act the accounts listed below have 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 XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX and XXXX
Product: Debt collection

I have been contacted repeatedly for the past two weeks by a company named financial asset management systems. Their number is XXXX ( XXXX ) XXXX. I do not have any outstanding debts or balances to any creditors, debtors or businesses. However the persist in calling me. Today, XXXX XXXX I received a call and the representative XXXX XXXX Washington, I believe ) asked for my birthdate and last four digits of my social. When I gave her the information she said thank you and hung up the phone. 

I called back to speak to a supervisor and A XXXX transferred me to a XXXX, XXXX ( I can not recall ) and told her what had happened with the previous call and that I believed this organization to be a fraudulent one and to stop calling me or I would report them. She then said it was not a scam and asked me for my social and birth date again. I told her I would not supply this information, and to send a certified letter to the address on file. She said she would not and persisted to threaten me. So I ended the call.
Product: Payday loan, title loan, or personal loan

My father received financing from XXXX XXXX XXXX  XXXX, Green Sky Financing. He passed away and I am the executor of his estate, I paid off the loan but received a bill after the fact for {$6.00} late fee. He is deceased and therefore couldn't pay-I paid as soon as I received the information to do so. The company refused to refund the late fee even though he is deceased and unable to inform him. I did so as soon as I received the information. It seems to me that the XXXX should have been refunded and the loan allowed to be closed. They go out of their way to make things difficult and continue to charge more fees even though I've sent the necessary paperwork to them as of XX/XX/2018. This is absolutely ridiculous. THey were also rude and harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX mortgage incorrectly credited a payment to principal and then reported a 30 day late, when in fact, they had the payment and a I had sent a second payment once I was notified ( only via XXXX XXXX almost at the 30 day limit ) so they had a double payment. I am on a credit monitoring service. I complained to both the monitoring service and XXXX XXXX. I have tried spending hours on the phone to get no where with XXXX XXXX. Their customer service is rude. I have uploaded the complaint letter and documentation to this website. XXXX XXXX never even acknowledge receiving my complaint. In frustration with them, I paid that mortgage off and now that account is closed. I would like to get my XXXX credit score back. Their reporting has dropped my score to XXXX. Please help me fix this error which XXXX XXXX will not even acknowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft Ive noticed 7 credit accounts opened under my name that i never authorized to be opened.I first noticed these accounts opened when I interested in purchasing a home and the realtor i was working with did a credit check on XX/XX/XXXX. The accounts opened date back to XXXX I dont believe in having debt so i never use credit cards. The actions that ive taken is file an identity theft claim at my local police department in XXXX, New York like my lawyer advised me too. I then went ahead and submitted the police report and affidavit to all 3 credit bureaus ( XXXX, XXXX, Transunion ). They failed to act on the information provided and did not provide me with their verification methods. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The consumer bureaus only added a fraud alert to my credit report no accounts have been removed even though they have not been able to verify this information my life and my families life has been drastically affected by these malicious actions and the failure of the credit bureaus to uphold the law.
Product: Credit card

Sometime in XXXX I received an email congratulating me on my application for a Victoria 's Secret credit card. I immediately phoned the number and advised that I did not file for a card. At this point, the agent asked me to identify myself and supply my social!!! I said no, I will not supply my social -that doesn't make sense- it wasn't me who applied for the card. I gave my address and phone and advised that I wanted all accounts closed and my information expunged from their database. After that, I received a letter dates XXXX  stating that I needed to confirm before the application would be honored. Obviously, the agent did not do as I asked and remove my information from the database.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a Note contract with XXXX when I fell behind and requested help XXXX TRANSFERRED my account to XXXX XXXX  around XX/XX/2015. Although, XXXX XXXX gave me a new account number it still the same original mortgage. My credit report should not be reported as 120 days past due with XXXX every month when now there is a zero balance. 
My credit report shows I have two mortgage companies but I only contracted with XXXX  they chose to place me with another mortgage company because clearly I was having difficulty with my FHA loan and they off loaded me to another mortgage instead of helping me with my hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Hard Inquiry from XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct this account ASAP : XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment reported on my account with your institution ( Acct # : XXXX ). This notice of dispute is made pursuant to the principles set forth in XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

In that case, the court recognized that a creditor has an obligation to maintain and provide accurate records to substantiate the validity of claims regarding account activity, including alleged late payments. Therefore, I respectfully request that you provide the internal records that verify the payment in question was, in fact, late. These records should clearly demonstrate : The due date of the payment ; The date the payment was received ; The processing timeline for the payment ; and Any other documentation supporting your assertion of tardiness. 

Without proper documentation, any negative reporting or charges associated with the alleged late payment must be corrected to reflect accurate account activity. If you are unable to provide this proof, I request that you promptly remove any associated late fees or negative credit reporting and confirm this in writing. 

Please respond to this dispute within the timeframe required by law. Your timely attention to this matter is appreciated. 

Thank you for your cooperation. I look forward to your response.
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus are still leaving items remaining on my credit report that are not mine. I am a victim of identity theft and have my police report of when my home was vandalized. I have been fighting these matters since 2015. My attorney is assisting me by disputing these items and Experian is not removing them when my information has been compromised.
Product: Debt collection

I was a victim of identity theft. Someone proceeded to rent an apartment and cable in my name at XXXX XXXX XXXX. I spoke with the NCC Business Services and all three of the credit bureaus to advise of this problem. I also made a payment to NCC Business Services just so I can have this removed from my credit report. They are still reporting a negative, remaining balance that does not belong to me. I asked for a settlement to at least attempt to have this derogatory remark removed from my credit report but have received no luck. When I tried to dispute with the three credit bureaus, I still had no luck. This derogatory remark is making it very hard to rent a home and affecting my credit report. I would like to have this removed from my credit report immediately. The debt does not belong to me.
Product: Mortgage

On XX/XX/XXXX, a customer service representative named XXXX informed me that my mortgage escrow account had been affected by another customer 's homeowner 's insurance being incorrectly applied to my loan. She assured me that the issue would be resolved. 

On XX/XX/XXXX, I received an email from XXXX XXXX stating that the issue had been resolved and included an apology for the inconvenience. However, I continue to receive late notices and credit alerts from New American Funding, which suggests that the issue has not been fully corrected. 

Ive had to repeatedly call and re-explain the situation to multiple representatives. During my most recent call, I spoke with a representative named XXXX, who, after initially resisting, quietly told me his supervisors name was XXXX but did not offer a clear resolution or follow-up path. 

This ongoing issue is affecting my escrow balance, my monthly mortgage payment, and my peace of mind. Im requesting that my XXXX  account be reviewed and corrected using the correct homeowners insurance, and that I receive written confirmation of the updated analysis and resolution.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I was searching an XXXX XXXX XXXX on XXXX. Found one selling for {$400.00}. On the website, it has a feature to contact seller in a chat. I did and sent the seller a message, the person replied back with a phone number ( XXXX ) XXXX-XXXX and told me to text him there. 
I texted him about condition of the phone and if it is unlocked, and other questions of the phone. he sent me few more pics of the phone besides the one on the website. I still have all the text message on my phone as evidences. He said he accept apply pay or XXXX. I remember XXXX is being advertised on my bank before in some spam email, so I decided to try it. After sending the seller the money, he no longer answered my texts and phone calls. I immediately felt suspicious and informed Wellsfargo my bank and file a claim for fraud. someone from wells fargo was on the phone with me about 40mins filing the complaint. 

Yesterday, XX/XX/2019, I got a letter saying the company denied my claim. I have the letter. it said I was the one send the money. I am not denying if I did. I am claiming I am being scammed. There is no buyer protection using XXXX. Product was never received.
Product: Checking or savings account

Last night my account was randomly restricted for no reason. 

I called to figure out the issue and was told it was a security concern and they could provide no info. They asked me to verify my identity so I did. They then said they would submit it to their team to review and confirm and then unlock my account. 24 hours later nothing has happened despite several calls. The security department has no answers and this bank seems to be running rogue and doing whatever they want. I have clearly verified my identity and their app prompts me to verify transactions to confirm its not fraud. Despite that. Theyre keeping my account locked. I have read several complaints of others having this exact issue online. This is not acceptable. They also have no local US customer service that they will let you talk to. This seems to be a XXXX XXXX using foreign resources and infrastructure but soliciting US customers. Please investigate.
Product: Vehicle loan or lease

I missed 3 payments in a 6 month period due mainly to a medical hardship that required a XXXX. I had called Wells Fargo Dealer services who owns my loan to catch it up. At that time they were in process of repossessing my vehicle and did so at my place of work jeopardizing my job. I called the dealership to stop the repossession and Wells Fargo flatly refused to stop the tow truck driver. My 3 missed payments total {$1800.00}. Wells Fargo dealer services insisted I pay them {$3100.00} and do so within 9 days to get my car back. I told them I am willing and able to pay {$1800.00} plus a late payment of {$250.00}. They rudely refused my offer of {$2100.00} total and used strong-arm tactics to attempt to coerce me into paying the {$3100.00}. Inquiring what the additional {$1000.00} was for they told me {$750.00} was for the towing and impound. I called the tow company who is also the impound yard. They said their charge was only {$150.00}! So what gives Wells Fargo the right to coerce me and gouge me {$600.00} additional?! If theyd just accepted my catchup payments plus late fees to release my car and reinstate my loan, this problem would be resolved. And they didnt need to repossess my car at my work. It jeopardizes my job as a 25 year XXXX XXXX XXXX ( a difficult field to get a job in these days ) and my ability to earn for my family. If theyd accepted my better than good offer, this wouldnt have needed to happen and both me and Wells Fargo wouldve been good.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and XXXX, XXXX, and Experian as well as secondary credit reports XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. 

These credit cards and hard inqiruies need to be removed immediately! Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. 

Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting INCORRECT information. This account is PAST the 7 year mark to be removed from my 3 credit reports. My last payment with PROOF was on XXXX XXXX  2014! in the amount of {$330.00} The car was a lemon and I have proof engine blew from the attorney general XXXX XXXX of the state of Florida. This account needs to be removed ASAP over the 7 year mark. Account # XXXX This information is only to be used to remove this zombie debt from my 3 credit reports and is not to be used for inside arm debt collectors.
Product: Checking or savings account

I was XXXX in XXXX XXXX and my phone was stolen from my hand. The next day i woke up to my email noting that i was subject to fraud. The person who XXXX me somehow reset my XXXX and got into my XXXX XXXX on my phone and liquidated my bank of America account. I have provided policy reports, signed Afadavits and screenshots of my email to Bank of America and they keep denying my claim. They are stealing my money even thought it's clearly fraud and have all the evidence to back it up.
Product: Student loan

On XX/XX/year> I received a bill from from Mohela dated XX/XX/year> for the amount of {$2.00}, due on XX/XX/year>. On XX/XX/year> I received a bill from from Mohela dated XX/XX/year> for the amount of {$1700.00}, due on XX/XX/year>. Per Mohelas own company policy, they are to send notice of bills no later than 21 days prior to payment being due. 
I applied for loan consolidation through the XXXX XXXX XXXX XXXX on XX/XX/year>, at which time I selected the XXXX XXXX plan. Per the XXXX website this XXXX plan is still under review. 
Complicating matters, my MOHELA app shows that my account balance is {$0.00} and the total due is {$0.00}, which is at odds to Mohelas website.
Product: Debt collection

I am so sorry to have to contact you again, but I am having an issue again with the debt collector MACHOL & JOHANNES, XXXX XXXX XXXX, XXXX XXXX, XXXX CO XXXX. XX/XX/2015, you assisted me in reaching settlement with this debt collector. 

At that time, I informed XXXX XXXX XXXX, that I could give them {$4000.00} to clear this debt and remove the lien from my home. XXXX XXXX spoke with his supervisor and was told they would only accept {$7000.00} to clear this debt and remove the lien. I did n't have that amount so I settled for payments of {$100.00} a month, beginning XXXX XXXX, 2015, with no interest being charged. I have never missed a payment. 

On Friday, XXXX XXXX, 2015, I called XXXX XXXX XXXX at ( XXXX ) XXXX, and informed him that I now had {$6000.00} to be used to clear this debt and release the lien on my home. I told XXXX XXXX that his supervisor wanted {$7000.00}, but I asked XXXX XXXX to ask his supervisor if he would accept the {$6000.00}. XXXX XXXX said he would speak to his supervisor and would call me back, and could he leave a message if I did n't answer. 

I did not hear anything from XXXX XXXX, so on Tuesday, XXXX XXXX, 2015, I called XXXX XXXX and left a detailed message for him to call me back with an answer regarding the {$6000.00}. 

I got no response, so on Thursday, XXXX XXXX, 2015, I again called XXXX XXXX and left another message for him to call me back regarding the {$6000.00} to clear the debt and release the lien from my home. 

As of today, XXXX XXXX, 2015, I have not had a response from XXXX XXXX by with a phone call, message, or by any written communication. All I want, is to know whether or not they will accept the {$6000.00} to clear my debt and release the lien on my home. How hard is it to answer that question? 

Thank you in advance for any assistance that you can give me in this matter as I ca n't seem to get any type of response from this debt collector. /XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to a XXXX XXXXXXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

The Onemain company opened XXXX XXXX, 2015 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed 1 of the XXXX XXXX  accounts, but the other account where the original creditor is XXXX XXXX is still reporting. Please refer to complaint XXXX since I have already tried to get this resolved. I do appreciate Experian conducting an investigation and removing the other account. Unfortunately, this account has the same account number as the other collection that was reporting which is inaccurate. Also, I have no liabilities with XXXX whatsoever. The balance being reported is incorrect. Please remove this account from my credit report immediately. I have attached the cfpb complaint for reference.