23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The customer service representative told me I didn't have an account. As I continued to login, she said I didn't have an account. Then the system, showed the account was open and had a security freeze that i lifted yesterday. 
I have been frauded and working my whole life for nothing. This country is terrible, and no one is helping me. 
PLEASE HELP ME.
Product: Mortgage

Selene Finance and their foreclosing attorneys XXXX have violated the " dual tracking '' statute under XXXX XXXX regulations. I have been actively negotiating a short sale with loss mitigation at Selene Finance. We are still in the negotiation process and in active open loss mitigation file and while trying to negotiate the short sale they simultaneously are foreclosing on my property. I ask the CFPB to intervene in this matter. For Selene Finance, a debt collector and their debt collector attorneys are violating the dual tracking laws. The sale date is set for XX/XX/2017 According to XXXX XXXX, Selene 's negotiator/underwriter on my loss mitigation file stated that the short sale offer to purchase the property needs to higher. We asked for a copy of the XXXX or information regarding the XXXX and they refused to give any information. We would like to reach a fair price but they need to disclose to the consumer their justification of the higher offer. I ask the CFPB investigate Selene Finance and their attorneys for acting in bad faith. Placing a foreclosing sale date in the middle of a short sale/loss mitigation negotiation.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding certain accounts on my credit report. I noticed that these accounts are being reported to Equifax, but not to other credit reporting agencies, such as XXXX. This raises concerns about the verification process for these accounts, as it appears that they may not be consistently reported across all credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I requested a copy of my credit report, and in it I saw several difficult queries that I did not make or authorize, and they are the following ordered by date and credit bureau : - 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 XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed an incorrect XXXX XXXX XXXX that was reporting on all 3 of my credit reports. I also reached out to XXXX directly via US Postal mail and received no response. In the middle of disputing the inaccurate reporting, I was informed by my State Attorney General 's office that my original contract with XXXX had been voided due to a class action lawsuit against XXXX by the State of North Carolina and many other states. Per the order, this account was to be deleted from all 3 of my credit reports. I filed additional disputes with all three bureaus, XXXX, XXXX and Experian. Both XXXX and XXXX deleted this account from my credit report but Experian continues to " update '' this account. I have asked Experian to send me whatever documentation they have that absolves them from deleting this account that was involved in litigation and has a court order attached. They fail to provide this information and continue to report this account illegally. I mailed a direct dispute to XXXX on XX/XX/2020 requesting a 1099A, Bill of Sale, and original contract and never received a response. I filed disputes with Experian on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 and they continue to update the account even after violating my rights from the very beginning by not listing that this account was in dispute. I even sent Experian the court order in regards to the lawsuit that states that this account has to be deleted.
Product: Debt collection

I received a letter on XX/XX/2017 stating I owed a debt. I called and told them I was disputing it, and requested all information, and proof of debt to be mailed to me. The person refused to give me a email address, but stated he would put the dispute into action. 

XX/XX/XXXX I received a 2nd letter, and called again. They told me they had no record of my previous call, and that I would have to email them to dispute the debt. When I made a point to complain that they failed to provide any information to me within 30 days, they stated that I should not be able to dispute the debt since the debt was more then 30 days old. This is not true, and misinformation about what the law states. I then emailed the collector with the email address provided on the 2nd call. 

I feel they are trying to give misinformation about my rights, as well as " lose '' records of my previous conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 cannot furnish a 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.
Product: Debt collection

I am unaware of this debt and did not receive proper notification of this debt which violates XXXX XXXX XXXX ( B ) ( XXXX ) but yet this has been placed on my consumer file. Debt XXXX must notify you within 5 days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to XXXX CFR XXXX ( c ) ( XXXX ) ( i ) if you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature.
Product: Credit reporting or other personal consumer reports

I have some creit inquires that are fraud and I did not authorize. I will fill out a ID Theft form but these inquires need to be deleted. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Became XXXX called Wells Fargo for advice was told I 'd be able to get my mortgage payment down and a call after I paid it off or pay what I could I emptied out my 401 ( k ) paid off XXXX % of it was left with a small balance of {$11000.00} and they would not readjust the mortgage so I was paying less which put me in a big bind .they now refuse to lower my payment stating that the person who owed owns my mortgage one allow that after-the-fact I was told this is way too late for that
Product: Credit reporting or other personal consumer reports

around XXXX of 2023 I noticed a collection account on my credit report that did not belong to me. this would be with a collection agency called tek collect. I made several attempts with this collection agency to remove this information. tek collect refused to accept my police report and ftc affidavit they had one goal in mind and that was for me to pay the amount I did not owe. after I failed to get tek collect to remove this from my report I filed a dispute with Transunion and XXXX via us mail. ive received no response and now need the cfpb to step in and assist me in getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE APPLICATIONS THAT HAS BEEN FILLED OUT USING MY PERSONAL INFO AND MY INFO HAS BEEN USE FOR MEDICAL SERVICES THAT I DID NOT GIVE CONSENT I CONTACTED TRANSUNION, XXXX AND XXXX TO HAVE THEM REMOVED THEY WOULD ASSIT ME OVER THE PHONE SO I MAILED THEM THE DISPUTE ASKING THEM TO BLOCK THE FRAUDLENT COLLECTIONS AND INQUIRES.
Product: Mortgage

In XXXX I asked XXXX XXXX of US Bank if he could help with a loan I was trying to get on a home in Montana. He said yes and connected me with XXXX XXXX of US Bank in XXXX. Btw both people are very nice and were cordial all thru the process. Closing was for XXXX XXXX, 2020. During the process I got to them all the underwriting items they asked for. They told me I had " Conditional Approval '' on numerous occassions. 2 weeks before closing they said they could not do the loan in the XXXX name as my XXXX brother in laws did not fit their underwriting guidlines. They said they could do it in my name though. I told them since day 1 I had a $ XXXX deposit that was not refundable. They knew this but kept telling me that they could close it. 3 days before closing they told me that their outside attorneys said they could not close the loan in my name if we bought it in the XXXX  name. A complete reversal of what they said 2 weeks ago. Instead of closing on it with financing I closed with cash. what they did was VERY wrong. It was not XXXX it was her bosses who really XXXX  with me. I dont want anyone to go thru this again and I want action taken against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate reporting. I disputed an account with XXXX XXXX XXXX and they did not respond. I dispute this account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I opened a Home Equity Line of Credit in the amount of {$50000.00} with Wells Fargo in XXXX. A {$50000.00} lien was placed on my deed by Wells Fargo at XXXX XXXX XXXX XXXX Of Deeds on XXXX XXXX. An additional {$50000.00} lien ( duplicate ) was placed on my deed by Wells Fargo on XX/XX/XXXX for the same account. The line of credit was paid off and closed. Wells Fargo filed a satisfaction on my deed for the XX/XX/XXXX lien on XX/XX/XXXX. The lien filed by Wells Fargo on XXXX XXXX is still showing as not satisfied. 
I am selling my house, and it is under contract. I was originally scheduled to close XX/XX/XXXX. The home can not close until Wells Fargo corrects the mistake they made, and file a satisfaction on the lien filed on XX/XX/XXXX. I have made multiple phone calls, and spent hours on the phone with Wells Fargo to get them to correct their mistake. I am getting shuffled around, and each person tells me " its in process ''. I finally spoke to one person on XX/XX/XXXX that said I need to fill out a Lien Release Checklist and return. Wells Fargo could not email it to me, and they said they could only fax it or send it in the mail. That person said they would request the Lien Release Checklist to be faxed and mailed. It was never faxed. I have not received it in the mail. I have had 3 closing dates scheduled, and all 3 have been moved due to this issue. Wells Fargo gave me a reference number of XXXX on XX/XX/XXXX. When I contacted them on XX/XX/XXXX they gave me a reference number of XXXX. The account that was closed is XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX I deposited an XXXX distribution for {$3000.00} to my bank, U.S. Bank. The next day I saw in my online account that it had posted to my account. I presumed it had gone through processing overnight. I wrote payments through the same account to pay for two insurance policies. The next day, XXXX I saw online that a hold had been placed on the check. I called US Bank and was told it was because they did not think that the check /from my XXXX would clear. After calling again on Saturday, and then Tuesday XXXX I finally got to the right department at US Bank, " XXXX ''. They repeated that it was a suspicious check. He said they believed it would not clear because I did not regularly deposit {$3000.00} checks! But when I asked them if it had yet cleared, he said " we do n't have access to that information ''. So it was pretty clear that this was not evidence based, but simply a policy of arbitrarily holding funds without reason. They finally released the funds seven BUSINESS days later.
Product: Credit reporting

Fraudulent inquiries/Equifax not investigating properly. 
All inquiries are fraudulent.
Product: Debt collection

Contacted ProCollect Inc based in XXXX, TX on XX/XX/XXXX about a debt that's on my rental history. I never received any letters from them, but when looking at my rental history, there is two separate amounts {$2400.00} and {$500.00} in collections. I contacted them to try make a payment plans, but they do NOT take payments in increments. The representative I spoke to wanted the money upfront aggressively and was extremely confrontational, then she offered me a settlement of nearly 50 % of what was owed on the two accounts. I told her I couldn't make the payments that day, I was just calling to get more information on theses accounts, but could make them in the next two weeks. She declared, " I'll just have to put refusal to pay. '' Confused and at this point, nearly having an anxiety attack, I told her I could make the payments as soon as I could with noting, I needed both account numbers. 3 DAYS later, on XX/XX/XXXX, the same exact representative leaving a voicemail on a Saturday stating I " needed '' to return her call. Confused again, I reached out and told every Procollect representative when speaking to a rep 3 days prior, I thought we had an understanding that I was going to pay in a few weeks. I ended up speaking to the same representative that spoke to XX/XX/XXXX and the conversation didn't go anywhere. When I told her they were breaking the law, she stated, " I'll just put refusal to pay today on your account and now you'll have to owe all of it instead of 50 % '' rudely with hanging up in my face. After the call, I had an anxiety attack, but definitely sought legal advice. We looked into Procollect 's track history of collections with horrible low rating reviews and according to several consumers they do NOT report to the bureaus when people do pay breaking federal laws extremely. Knowing this information, I contacted Procollect XX/XX/XXXX again asking for a different representative, but noticed the pressure to collect and was told I could use XXXX XXXX to send the payments to them. When putting the account number on their website, you don't see what you owe or or ANY statements. We held off on the payments, but contacted the original rental property to validate the debt and property manager told me there was no record of any debt. Procollect Inc should NOT be in business. If there is a debt legitimately, I don't mind paying, but to handle business one must know how and that's for sure. Aggressively harassing consumers and can't validate debt isn't one of them. As far as I know Procollect has put intentionally debt on people 's credit ( including mine ) that isn't validated. The reviews also report the company doesn't even send letters to verify payments. Speaking with my bank personally, they highly advised to never send XXXX XXXX and if I needed to make a payment make sure a receipt is given because with XXXX XXXX, once the money is sent off, it's gone. THAT'S SCARY and not to mention extremely illegal.
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 604 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my permission or consent of acknowledgment. 

XXXX XXXX XXXX XXXX XXXX XXXX/account status OPEN/ XXXX $ XXXX XXXX XXXX / Account Status OPEN/- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Service/ Account Status OPEN/ XXXX XXXX XXXX XXXX XXXX Account Status /. OPEN - XXXX XXXX XXXXXXXX XXXX- PAID IN FULL / Account Status Open/ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today  XXXX   XXXX  I spoke with a   XXXX    Manager by the name of  XXXX   XXXX  about removing a couple of unauthorized inquiries on my credit file. Before I even spoke to him  XXXX  had a automatic message stating there was a glitch regarding inquiries and if we were affected by the glitch to have the inquiries name and date. Furthermore  XXXX   XXXX  was the manager that answered my call and he said to have inquiries removed I would have to contact the creditor and have them write a letter on my behalf to get the inquiries removed. I stated to him that the inquiries I wanted removed had already been removed and they were readded because of their glitch which is not my fault. He further stated there was no glitch but   XXXX    has a automatic message stated so. I then went on to ask him how do they investigate inquiries since I have recently disputing these inquiries once again and that same day they came back factual. He stated that they do n't investigate, that once something hit my credit report it 's factual and will remain. I told him that 's not an investigation and that by law if a credit reporting agency such as themselves want to add and remove things that they have to do so in writing within 5 days and they have yet to do so.
Product: Credit reporting

I have sent equafax a request to investigate a few inquiries on my credit report multiple times. They do not seem to do a proper investigation. I have tried multiple times to resolve this issue but they keep sending me the same response back.
Product: Credit card or prepaid card

I applied for a XXXX Visa card and was sent this load of XXXX in return : Customer feedback has caused us to review our relationship with the XXXX. As a result, First National Bank of Omaha will not renew its contract with the XXXX XXXX XXXX to issue the XXXX Visa Card. 

I want to know if this bank holds the same policy with XXXX XXXX, XXXX, or some other group!
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting all wrong : Account Name XXXX XXXXXXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2000.00} Terms NA Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY DEPT OF EDUCATION/XXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXX/XX/XXXXDispute DEPT OF EDUCATION/XXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXXXX Dispute DEPT OF EDUCATION/XXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$1400.00} Date OpenedXXXX Dispute
Product: Debt collection

This Maryland number has been calling me repetitively. They did not leave a message, but when I hid my number and called it back, the message said that it was Transworld Services Inc. I, in fact, do not owe any delinquent debts. A cease and desist letter will be sent, and if an attempt to collect any debt will be pursued vigorously. I am an attorney and will not stand for this.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Since then the accounts has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these accounts properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX