23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After I filed the first CFPB report the company is acting like they removed all the unauthorized accounts from my report but they have not. Anything Experian has requested of me I provided. Instead of completing the request that I put in through the CFPB they wanted to create and entire separate investigation outside of the one that still shows as open under the CFPB knowing it will only delay the process I have been struggling through for months. I went through the CFPB for a reason I will like to keep the CFPB involved with the communication. Why hasn't Experian replied to me through the CFPB but replies separately with a very broad and general response with no results when they have everything they need from me to support Ive been a victim of ID theft. I feel Experian is taken advantage of me not showing any consumer protection what so ever. Why are they saying one thing and doing another. Why are they claiming to have removed false information from my report but it is still showing its there. Why am I being denied a credit freeze? Why haven't they replied to my first report under the CFPB but emailed me separately requesting a picture of my drivers license and then did NOTHING when I sent it in immediately
Product: Debt collection

XX/XX/XXXX-received a call to pay remainder of debt by XXXX XXXX XXXX, I insisted the debt was paid in settlement on XX/XX/2017, which was ignored and alleged that a payment was not met. On XX/XX/XXXX-learned MCM failed to report accurate information to the credit bureau and to my account in an attempt to keep the debt open and active. Now, refuse to speak to me after I have obtain the validity of the settlement agreement MCM, XXXX XXXX made with Banks, XXXX and XXXX attorneys of XXXX XXXX XXXX.
Product: Debt collection

Medical revenue services has XXXX. Several of the illegal complaints. I can not put more than XXXX on the consumer finance.gov website, although that should be an option since they have violated multiple things. 


I picked this threaten to contact my relative But thats actually what happens. They continue to call me despite me being the mother they continue to wake me up multiple calls a day and harassed me telling me that I just need to give them my sons contact information. 

Medical revenue services continue to threaten of the calls will still happen And they do. 
They threaten to ruin my sons, credit and state that he gave us the number which is not the case either.
Product: Money transfer, virtual currency, or money service

For my concerns regarding the Zelles handling of disputes, after seeing a report about CFPB lawsuit. After Zelle being the most common used part of my bank, numerous times and reporting discrepancies, Zelle has not yet to help me with my claims adequately. They informed me that my lost claims were not retractable anymore or basically telling me that we can not help you at all anymore. The lack of accountability for Zelle is unacceptable and needs to be up to date for the safety of everyone. Everyone needs help especially with the money we all work hard for.
Product: Mortgage

My home was damaged by hurricane XXXX. Wells Fargo is my mortgage company. I recently received a supplemental insurance check for {$130000.00} and Wells Fargo refuses to endorse it. My home has been repaired completely. Wells Fargo inspected the home over a year and a half ago and declared it was 100 % repaired. I have been given conflicting information by the company and do not know how to proceed. 
I have always paid my mortgage on time. 
I believe they have my account flagged as retribution for my previous complaint to the CFPB for their prior mismanagement of insurance proceeds. 
I repaired my home in good faith, invested my own money to preserve its value, and even paid my mortgage down {$50000.00} since the storm. I submitted to multiple inspections by Wells Fargo and always comply with whatever they ask.
Product: Payday loan, title loan, or personal loan

I CALLED THE LOCAL BRANCH OFFICE ON TODAY WHICH IS XXXX XXXX,2018 AND APPLIED FOR A PERSONAL LOAN IN THE AMOUNT OF {$300.00} FOR MEDICAL BILLS AND WAS TREATED RUDELY, SNAPPED AT AND DENIED BECAUSE OF MY HOUSEHOLD SOURCE OF INCOME WHICH IS SSI FOR MY XXXX CHILDREN WHOM I AM THE PAYEE.I FELT LIKE I WAS DICRIMINATED AGAINST BECAUSE I HAVE GOTTEN OTHER LOANS IN THE PAST INCLUDING THE RENTAL APPROVAL OF THIS HOUSE WITH THE SAME SSI INCOME.I CALLED THE HEAD OFFICE IN SC ON THE SAME DAY AND SPOKE TO THEM ABOUT THE PROBLEM THAT I WAS HAVING WITH THE LOCAL BRANCH MANAGER AND THEY SAID THAT IT WAS NOTHING THAT THEY COULD DO ABOUT IT BECAUSE EVERY STATE HAS THEIR OWN RULES. I TOLD THEM THAT NOTHING DIDNT SOUND RIGHT ABOUT WHAT THE LOCAL BRANCH MANAGER TOLD ME. THE COMPLAINT IS AGAINST WORLD FINANCE STORE # XXXX /XXXX XXXX XXXX XXXX/XXXX, MS/XXXX/PHONE # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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.

I submitted 1
5 disputes in 12 months to the credit bureau that my name was incorrect, the accounts were paid and not updated as well as additional inquiries showing on my account after I sent a police report that my information was used fraudulently. 

My name is XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX, NC XXXX. My social security number is XXXX. 

The incorrect information on my credit file is the following : XXXX XXXX XXXX XXXX XXXX The incorrect addresses on my credit file is the following : XXXX XXXX XXXX XXXX, NC XXXX Incorrect info on my file : XXXX XXXX XXXX : XXXX Account was paid in full and should be removed XXXX XXXX XXXX XXXX  Acct : XXXX Account paid in full and should be removed. My child is XXXX XXXX XXXX and case closed when he XXXX XXXX XXXX. 

Inquiries that are unauthorized, please remove : XXXX XXXX  XX/XX/2020 I did not authorize them access to my credit file XXXX XXXX XXXX XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 I did not authorize them access to my credit file. 

XXXX XXXX XXXX XX/XX/2020 I did not authorize them access to my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

Yes .my XXXX card is reported lost and I asked for emergency cash option, well the option bva exercises is that you have to have a XXXX XXXX transfer done with a XXXX charge and was tolled 3 to 5 hours for a XXXX XXXX pick up .I 've been trying to to get a tracking number for 10 hours now and was now tolled it could take days for to get one .why do they call it an  emergency cash transaction if it could take days long?
Product: Vehicle loan or lease

A {$4500.00} security deposit was paid in XX/XX/XXXX, at lease inception, and also paid an insurance premium for excess wear to the vehicle. 

Turned in a leased XXXX XXXX XXXX on XX/XX/XXXX to XXXX of XXXX XXXX, Maryland. 

Received notice of security deposit being returned in XXXX, showing a charge for excess wear. 

Telephoned Volvo Financial Services ( VFS ) ( XXXX ) to inquire. Was told that VFS was not properly advised by returning dealership of excess wear insurance purchase. Policy was found and VFS submitted claim against excess wear insurer. 

Received notice of full security deposit being returned in early XXXX. Telephoned VFS in XXXX to inquire on timing and told that a check would be mailed " next week ''. 

Received no check, so called VFS again in early XXXX, and was told again that the check would be mailed " next week '' Received no check, so called VFS again today, XX/XX/XXXX. Customer service associate took time to review ( about 15 minutes ) and said that the check would be mailed " next week '' I have little faith that the process is working as intended and that my {$4500.00} security deposit is stuck in their processing system.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to section 15 U.S. Code 1692g ( Validation of debts ).

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 we had a forberance agreement in which XXXX added two payments on the end of our loan in the mean time Carrington Mtg bought the loan and XXXX went out of business. We are trying to get a new mortgage with XXXX XXXX and they are telling us that on the credit report they are seeing a modification with Carrington which we never had and can not finish up the refinance until this is removed from our credit report in the mean time the rates just keep going up. We both have contacted Carrington Mtg and they just keep saying we do not owe anything but can not produce an agreement and will not remove from our credit report.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 

CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize the following inquiries. 
XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to the credit bureaus, my U.S. POSTAL SERVICE CERTIFIED MAIL RECIEPT tracking numbers are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in regards to remove personal information that is reporting incorrectly, and to make sure that all my credit reports match up. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. also according to 15 USC 6802. no Financial Institution can share my information with third party people. THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have settled my goldman sachs account over 3 months ago with a third party company representing goldmen. I cant get account to show settled with no balance I have a letter from the third party which I will enclose
Product: Debt collection

I received a phone call saying that I owed BofA {$16000.00} from an old line of credit in 2006. They won't provide me with any information and said I can log into a website and pay {$1100.00} and not have to go to court. I repeatedly asked for an explanation of the debt and they said they can provide it once I pay. I tried to pay and my bank refused the charge, saying it was a cash advance charge. I called back and he the guy said he could do it over the phone for a fee and I hung up. It sounds like a scam and I have nothing on my credit report for this account and never have. The debt collection/lawyer website is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent debt validation to XXXX XXXX, they did not respond. alleged amount {$380.00}. 
On XX/XX/2018 I sent a dispute letter to the Credit Bureaus, XXXX, TRANSUNION, and XXXX, and they did not respond.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX BALANCED {$16000.00} XXXX XXXX  XXXX BALANCED {$18000.00} XXXX XXXX  XXXX BALANCED {$10000.00} XXXX XXXX  XXXX BALANCED {$13000.00}
Product: Credit reporting

FAIR COLLECTIONS & OUT Account Number : XXXX look like this account is not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply. I also never received a statement from their original creditor before sent to collection why??? 
Experian is really not helpful, this is my right ( XXXX & XXXX deleted, why Experian does not follow the basic procedure what proof do they have??? ). Please assist
Product: Debt collection

The company has been paid off, and now they just filed a judgement of debt for {$220.00}, the first contact letter was XX/XX/XXXX, now it 's XXXX XXXX, 4 years and they filed a judgement to get money that is not owed. NC has a 3 year statute of limitations. XXXX and XXXX has removed the collection because it was old and paid for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IN XXXX XXXX XX/XX/year> Dear TRANSUNION, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount owed no longer outstanding for the following items : Party owed : XXXX XXXX Amount : {$490.00} XXXX Party owed : XXXX XXXX Amount : {$410.00} Account : XXXX Party owed : XXXX XXXX XXXX Amount : {$2100.00} Account : XXXX XXXX owed : XXXX XXXX XXXX : {$830.00} Account : XXXX XXXX owed : XXXX XXXX  Amount XXXX {$720.00} Account : XXXX XXXX owed : XXXX XXXX  Amount : {$720.00} Account XXXX XXXX I am Disputing these claim due to : I HAVE NO KNOWLEDGE OF THESE ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted off my credit report. In accordance with the fair credit Reporting Act. The list of accounts have violated my federally protected consumer rights to privacy and confidentially under 15 USC1681B. 

XXXX : XXXX
Product: Credit card

I have along history of credit excellence with an excellent credit score and no missed payments over 34 years. 
I applied for a Chase XXXX card in XXXX, a Chase XXXX Business Card in XXXX and an XXXX Rewards card in XXXX. All XXXX applications were rejected. When I called to inquire about the rejections, Chase stated that the rejection was based on having more than XXXX cards opened over a 24 month period. I pulled my credit report that showed I had XXXX cards open over two years. If I would have known this information, I would not have applied for the credit cards. In fact, all XXXX cards had offers on the for bonuses if you spend a certain amount within a stated time period. Of course, my credit score decreased because Chase pulled my credit report three times. 
Because the XXXX rule was never stated or some kind of warning as the possibility of rejection with more than XXXX cards open over two years, I believe Chase has harmed my credit score my requesting the " hard pulls '' on my credit report. If I would have know beforehand that rejections are common for XXXX cards or over, I would have not applied. The consumer is being harmed by Chase because of their unstated rules. I would like Chase to remove the XXXX hard pulls from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$460.00}
Product: Credit card

I've always ensured payments are made on time for this account, never letting them become overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have needed to pay bith XXXX and XXXX student loans through Navient. My payments were morr than what i could afford. I was only working part time. Supposedly Navient signed me up in an income driven repayment plan and that was the calculation. Due to not being able to pay in full my credit was affected. I returned to school to pursue a different career path, should n't my loan payments be stopped until i finish my school?
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe {$160.00} with this company.
Product: Credit card or prepaid card

I have a fixed rate of 6 % on my citi credit card. Several years ago, they changed some terms ( raising the rate ) and the offer stated that if I rejected the new terms, they would close my account, but the rate would remain at 6 % until I paid off the card. The rate has steadily been creeping up and now it is at 7.49 %. When I contact them about it, they tell me I have to open the account again, to even negotiate a rate with them! They are not upholding the original deal, which I had no choice but to accept, by the way. I pay on time and have an excellent credit score.I want my 6 % rate back, as I was promised. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

So Ive noticed that my credit file have incorrect information on it. I have contracted Experian over 8 times they declined to remover the last two. After removing none the first 6 times. I would like for you to assist me on removing this its hurting me. It was 6 bankruptcies reported to a social security number that does even match what they have on file for me. The public records that they got from XXXX Isnt even my information that Experian place on my file the last 4 digits of the social is wrong. I have notified them of this they still havent removed it. And I have wrote them multiple time they have yet to remove all of them. I just want you to help me with the whole removal process. I have wrote them letters and contact then via email and app.
Product: Debt collection

Portfolio recovery associates contacted my place of work to attempt to collect a debt. I 've also has XXXX XXXX call my place of work to collect a debt as well. They have contacted me repeatedly after I 've told them to not call my place of work. They have also left information with managers and our HR department along with messages asking for me.