23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX/XXXX/2015 ... I called Equifax and explained that XXXX XXXX XXXX is illegally re-aging the debt on my credit report. I explained that I am a subscriber to their " Equifax Complete Premier Plan ''. So, I am able to review my credit report as often as needed. I explained that on my Equifax report dated XX/XX/XXXX XXXX XXXX XXXX reported the date of XXXX delinquency as XXXX ( report # XXXX ). The item had been removed off my report. On XX/XX/XXXX I pulled my Equifax report and discovered that XXXX XXXX XXXX was put back on my report. They were now reporting the date of XXXX delinquency as XXXX ( report # XXXX XXXX. I explained to a rep and then Supervisor " XXXX '' ( Agent # XXXX ) that I wanted to dispute this because it was an illegal act. XXXX STATED that collection agencies can legally do this. She stated collection agencies can re-accounts in perpetuity. This statement is false. Re-aging debt is called zombie debt and it is illegal. The " supervisors '' and representatives need to be cautioned against giving bogus imformation. I would really like to have this investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has caused me to lose a job opportunity because I have been waiting almost 2 months for a background check from a company that falsely claims they complete 90 percent of background checks in one day yeah right. I have received numerous emails saying my completion date is this date just for that date to come and they push it out another 2 weeks. Here we are it is now XX/XX/XXXX this background check was submitted XX/XX/XXXX and when I now request a status update they will not send an email. The background check is still not complete and I will be taking legal action due to losing this job opportunity.
Product: Debt collection

In XXXX of 2015 according to XXXX my account was closed out. Their attorneys continue to take money from me through XXXX County courts without XXXX consent. The law firm Finkelstein, Kern, Steinberg & Cunningham robbed me with Bank levies and garnishments after the case was closed and paid off.
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. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was XXXX I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX  and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address and names not mine XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : auto loan never late XXXX XXXX FCRA Violation : credit card not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other loan never late XXXX XXXXXXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companie : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) ( dupicate ) please remove one of these inquires. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Vehicle loan or lease

I purchased a vehicle from U.S Auto Sales XXXX XXXX XXXX XXXX XXXX XXXX. I paid {$1300.00} down and since XX/XX/2023 paid {$2100.00} of payments towards the vehicle. I received a letter that the company was closing in XXXX, XXXX XXXX XXXX I received a letter from Westlake Portfolio Management , LLC about taking over the loan for {$22000.00}, the starting cost before I paid the down payment and any payments towards the vehicle, so basically what I paid in I loss, and that's not fair to me, because I'm not the reason the company went out of business.
Product: Debt collection

XXXXndependent Recovery Resources herein IRR, was notified multiple time both by mail from the court, personal email, and by dispute with XXXX that the debt listed by their company was no longer valid and discharged in bankruptcy. Despite these notices IRR continues to inaccurately report this discharged debt as letting in my credit report.
Product: Checking or savings account

Direct deposits have not been processed through the bank is withholding millions of funds and direct deposits across millions of customers has not given an ETA on resolution refuses to address any concerns regarding the missing money
Product: Mortgage

I can be contacted for my file. We have been undergoing mortgage modification for over a year. During this time, Wells Fargo has consistently lost documents, not had a working my loan tracker, made us fill out multiple applications, change interest rates, make us take PMI despite having over XXXX percent of our loan paid off, undergoing several payment trial despite paying on time, getting my name wrong on the loan documents 3 times ( so that the notary wouldnt notarize and Wells Fargo didnt want to change the name despite their original error ), telling us they needed our marriage license and requesting is 3 times, and on and on. 

Also, during one of the calls to Wells Fargo, I had a representative tell me, she didnt know why people in my country have such a problem with these things, when it came to the incorrect name. I explained that the name Wells Fargo erroneously used was that of my exs and it was bad enough that I was told wells Fargo would fix the deed on closing. Now shes telling me I have to live with a document that the notary wont notarize and to add salt to the wound my ex, SAd me. Yes, I love to have the home I worked for associated with my XXXX ex, and have a worker tell me its an issue with people from my country. 

My husband filed a complaint for that. The supervisor said he listened to the entire call and although she didnt do things by protocol, he didnt hear anything derogatory. He said shed get training as what she did wasnt to standard but it wasnt because of how she spoke to me. What?! 

Then, after all of that, when they finally get the signed paperwork, they say we need to start over.
Product: Credit card

I have contacted Conn 's and XXXX that the original delinquent date is incorrect- This account was included in my bankruptcy in XXXX XXXX. My original delinquent date was XXXX XXXX which I will attach supporting documentation from Conn 's investigation if you look in account history XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 3 ) - This would make this account over 7 years old- I want it DELETED from my report-
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for a utility account that did not belong to me.
Product: Bank account or service

I have a line of credit through Wells Fargo Credit Card company. Due to a loss of a job I was unable to pay my account. I reached an agreement with them once I was able to start making payments which I have been making on time for over two years. They are reporting on my credit report that my monthly payment is the current balance due which is incorrect. I pay XXXX per month, my current balance is XXXX. I called to ask them to fix this as it is effecting me getting a car loan etc as it shows I have a monthly payment with them of XXXX. They refuse to fix this mistake until the balance is paid in full. I still have over 2 years of payments to make and this information is wrong and is impacting me on getting a loan for other things that I need. I have disputed this with all the credit agencies and they refuse to fix it since Wells Fargo saying the information is correct. I have contacted Wells Fargo on several different occasions, the last one being this evening and they refuse to correct this information with any of the credit agencies. This is just wrong on so many different levels and I want this fixed. They also have my account status as charged off which is not correct as I have been paying the bill for over two years with no missed payments. I have suspended payments at this time until they fix my current credit reports. I am just asking them to change the currently monthly payment to reflect what I am paying monthly and they refuse.
Product: Checking or savings account

Complaint Description : I had a bank account with XXXX, which was recently closed and charged off without giving me an opportunity to reclaim any remaining balance. I am filing this complaint because I believe the banks actions were unfair, and I am seeking clarification and resolution regarding the funds in my account. 

XXXX of Events : I contacted the banks customer service to request an explanation. They informed me that my account had been charged off and that the remaining balance had been used to cover fees and debts. 
I requested a detailed breakdown of transactions, fees, and charges applied before the charge-off. The bank refused to provide a full breakdown. 
I spoke with the liquidation team, and they informed me that nothing could be done to reverse the charge-off or reclaim any of my funds. 
I contacted the bank again and asked if I could dispute the charge, arguing that some of the fees may have been unauthorized or excessive. The bank refused to allow me to dispute the charges. 
My Concerns : Lack of Notification & Transparency : I was not properly informed before my account was charged off, and I was not given an opportunity to reclaim any remaining balance. 
Unclear Fee Assessment : The bank has refused to provide a full breakdown of the fees and charges that led to the liquidation.

Denial of Dispute Rights : I attempted to dispute the charges, but the bank refused to allow me to file a dispute or investigate the matter further.

Potential Mishandling of Remaining Funds : I want to confirm whether any remaining funds were transferred to my states unclaimed property office and whether I am eligible to reclaim them.

Resolution Requested : A full explanation and breakdown of the charges and transactions that led to the charge-off. 
Confirmation of whether any unclaimed funds were transferred to my state treasury, and if so, how I can recover them.
Product: Credit card or prepaid card

What a way to start the day! 

My checking account at Chase was hacked in great detailed and all my information was used to fraudulently order over {$350.00} worth of a dietary supplement from a company in California that is easily available locally for about {$75.00}. 

Chase can not help since all my information was " verified '' by the California company and it is now incumbent on me to prove my honesty! They suggested that I call the merchant directly to perhaps " work something out ''! 

I called the California company directly and a person with unintelligible English at an obvious boiler room call center tersely told me that I had to deal with my bank, wished me a good day, and unceremoniously hung up!

I called Chase back and they once again told me that the merchant had verified all " my information '' which, if all the current info on hacking on the internet is correct, can be easily lifted by hackers. They even said that the merchandise had been delivered directly to me!! 

Anyway, the Chase fraud staff told me to XXXX XXXX XXXX and I have been stuck with the {$350.00} charges! Oh ... ..but they did wish me a happy holiday!!!! 

Ya know, XXXX, the scammer went as far as telling Chase that the stuff was delivered directly to me!!! 

The " stuff '' is XXXX XXXX and XXXX XXXX. I opened an email from from these people offering trial samples of each product for {$3.00} ... ..I deleted the email when I read the tiny print that said an automatic shipment of each product would start at {$90.00} each if I did not contact them to cancel my " contract '' within 10 days ... ... that 's when I deleted the email and that was the total indirect contact I had with that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact this collection agency on numerous of occasions asking them to verify information relating to a debt that they say I owe. I ask for validation within 15 dates of my request to only have XXXX XXXX to send an email saying the account has been updated but none of the information I requested has been verified. I need validation of date of service and original owner of per said debt.
Product: Payday loan, title loan, or personal loan

XX/XX/21 Previously applied and approved for vehicle title loan. Signed all company documents and was sent away with out money for loan. 

Subsequently, told by One Main Financial that I needed an updated deed to reflect XXXX XXXX as lien holder. I did so and have attached the correct lien. 

Later told by XXXX and XXXX that they wouldn't deal with me as I filed a complaint with the CFCB.. This feels discriminatory and retaliatory in nature. I qualified and able but they now refuse service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Experian -- Today XX/XX/XXXX I talked to XXXX XXXX also know as XXXX XXXX | Restoration Specialist | XXXX, a part of Experian XXXX Experian XXXX XXXX XXXX XXXX XXXX Ext. XXXX -- I notified XXXX about the XXXX XXXX XXXX  identity theft. She advised me of the reinvestigation that will take place. I also emailed her the documents that are attched to this compliant as proof that I was residing at my present address when the identity theft took place. XXXX XXXX XXXX  sent me a letter asking for proof of address when the identity theft took place in XX/XX/XXXX. I attached my XXXX, XXXX and XX/XX/XXXX as proof of location.
Product: Credit card

The bill for my Discover card clearly stated that my payment was due XXXX XXXX, 2015 ( see the attached ). On XXXX XXXX, 2015 at approximately XXXX XXXX Central time, I called the customer service # ( XXXX ) and used the automated system to enter my account #, the payment info, and my checking account information. The confirmation message said that the payment would post " on XXXX XXXX ''. Since the payment was due on the XXXX and I paid it on the XXXX, I was concerned. I managed to connect to a customer service representative ( CSR ), who said I was supposed to have done the payment before XXXX EASTERN time. I pointed out to the CSR that this part of the deadline does NOT appear anywhere on the statement! 
She said their policy is to waive the late fee, and to remove the trigger that would cause my interest rate to increase, but ONLY because I questioned it immediately. 
XXXX issues of concern / questions:1. Is it LEGAL for them to have a SECRET cutoff time? I.e., a cutoff time that they do not show on the monthly billing statement. I.e., they literally say " Payment Due Date XXXX XXXX, 2015 '' and " Late Payment Warning : If we do not receive your minimum payment by the date listed above .... ''. But they do NOT tell customers that it 's only XXXX XXXX Eastern time on that date!!! ( see the attached copy of the statement I received ) 2. Is it LEGAL for them to then charge late fees and impose increased interest, because customers fail to complain about the SECRET CUTOFF TIME? 
It seems to me that this falls under the heading of things like " bait and switch '' and certainly goes against the intent of the consumer protection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccuracies on my credit report regarding a fraudulent address ( XXXX XXXX XXXX, XXXX, Va ) and a fraudulent XXXX XXXX account number : XXXX. Experian has failed to delete these inaccuracies. I have proof from XXXX that this a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my account was properly investigated but how is that possible if Date Of Last Activity, Date Opened, Account Status, and Dispute Status are INACCURATE. This is grounds for REMOVAL. 

They also violated my rights under FCRA Section 623 ( a ) ( 1 ) ( C ) says that you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate.

FDCPA 807 ( 8 ) - Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 605 ( c ) - " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.

They also took well over 30 days to investigate and respond to my written disputes within 30 days which violates FCRA Section 611 Part ( A ) ( 1 ) My certified tracking number for Transunion ( Delivered on XX/XX/2022 ) is XXXX. My certified Experian ( Delivered on XX/XX/2022 ) tracking number is XXXX and my XXXX ( Delivered on XX/XX/2022 ) tracking number is XXXX. 

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, 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 adjustment of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened an account with  5/3  bank on   XXXX   XXXX   to take advantage of a {$200.00} promotion they were having. I did all of the requirements to receive the bonus but never got it. I m ade four phone calls to four repres entatives and they simply transferred me around without actually putting a note on my account to receive the bonus even though they acknowledged that I have met all of the criteria.
Product: Credit reporting or other personal consumer reports

I am writting to you as a holder of the account # XXXX from XXXX XXXX  XXXX for my credit card to report an issue negatively impacting my credit report. this issue appears to be in violation of the provisions of 15 U.S CODE 1666B and other relevant sections of the fair credit reporting act ( FCRA ).

Additionally the FCRA specifically sections 15 U.S CODE 1681i and 15 U.S CODE 1681S-2.

I formally request that you investigate and correct any innacurate information related to these late payments on my credit report. 
Below are the details affected payments : Experian XXXX and XX/XX/year>. 
XXXX XXXX XXXX. 
XXXX XXXX and XX/XX/year>.
Product: Credit reporting

I just received a notification that " XXXX obtained a copy of your EXPERIAN Credit Report '' from XXXX credit monitoring service. I have not authorized a credit pull and need this removed!
Product: Mortgage

Second complain I have been trying to resolve mortgage escrow act since XXXX, XXXX after previous issues with lender ; my loan amount was corrected on XXXX XXXX, XXXX and current ; now after trying to resolve an escrow dispute lender has decided to avoid correction previously made and increment my loan amount for amount I do not owed.