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

Incorrect information that has been disputed since  XXXX . False Act information concerning employment, insurance and other information. What it has affected and still affects several issues : Deformation of Character, False Claims entered, Employment and Financial stabilities. Wrongful Garnishment and a host of other issues. In  XXXX - XXXX , I asked   XXXX   XXXX   to assist with these issues, but they did nothing in my disputes because they work for  XXXX  and also have their own company which is  XXXX . I work for a company, who uses their services, and because of this reporting, I would have to take drastic actions like Wage Fraud and EEOC. Even Social Security has been tapered with.
Product: Checking or savings account

I bought a few prop firm challenges from a company called The XXXX XXXX and earlier this year, they randomly shut down for a month. They were supposed to re-issue the accounts once they relaunched but I never received them. I had about XXXX accounts with them that I could no longer access and when I requested a refund, I did not receive a response. 

So, I filed a dispute with my bank, Chime, and they gave me a refund for XXXX of the challenges but not not for the other XXXX. When I asked why, the agent agreed that it was strange that XXXX dispute was approved and the rest were denied for the exact same thing but they are not able to directly contact the dispute team to ask questions and neither can customers. 

I recently tried contacting the prop firm again for a refund and did end up getting a response. They said that since I filed a dispute, it's not their issue anymore even when I tried explaining that they weren't even approved.
Product: Credit card

I set my autopay to pay last statement balance in XXXX ( Citi agent said that the online edit was made XX/XX/XXXX ). When the autopay was processed on XX/XX/XXXX, they did not take out the last statment balance but a lesser amount and charged me interest in the amount of {$120.00}. When I called to say there was a mistake and I should not have been charged interest, the account supervisor was able waive the interest. My complaint is that I should not have had to call as the autopay option appears clear but is actually misleading on their website. A normal person would assume that last statement balance means last statement balance, not a smaller amount. What if I had not noticed? What other consumers have been unfairly charged interested when autopay did not take out the last statement balance as indicated?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, was sending my final bill of {$910.00}, to the wrong address. I had moved and they failed to send the final notice or notices to the right mailing address. They then sent the debt to I.C. Systems, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, who also failed to notify me in any way. They reported this debt on my credit report to all credit agencies as Late. They claim to have mailed me but I have not ever received any mail from this company or any form of communication at all. 
I will pay the bill but they need to remove this negative remark from my credit file and send me a notice with the balance due to the correct address or even call me on my cell phone. 
Can you please assist with this matter. It has impacted my credit score in a negative way. 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained of a fraudulent collection attempt by " XXXX XXXXXXXX XXXX '' for made up, fraudulent charges against my account. I sent proof documents to Experian via Certified mail, which verify these to be bogus charges. Yet, Experian continues to not delete the phony charges. 

Other credit companies like XXXX and XXXX have acknowledged the fraudulent collection attempts, and my credit scores are up to XXXX XXXX higher.

Further, Experian will not allow me to place a letter of explanation into my account for others to see. When I try, it kicks it out as " already disputed ''. 

Experian is extremely difficult to contact, as they do not answer phone calls or allow online explanations to be placed. 

Further, I received notice from my ex employer that my account has been hacked through Experian. They are far less than helpful with this matter.
Product: Payday loan, title loan, or personal loan

Complaint against XXXX XXXX. 

** I received a flier to attend a presentation on these amazing traveling adventures to thousands of destination. Once at the place of presentation, people were described how you could buy a travel package that would allowsnyou to take vacations very affordable. In end, I and my wife were convinced to buy a package. The arrangement was buying a package without down payment. During the presentation, the place was packed with people. Then time to sign the document arrives. The people rushed us through signing stack of document with excuse that they were running short on time. Few days later, we got a call from a representative of the company asking to go over package we signed. To our surprise, they made us sign documents with dollars amount totally different to what agreed on during the presentation. At that time, we disputed those numbers and the understanding was that a manager would get back to us to straighten out the issues. No one ever got back to us. Since then, it has been a nightmare with this company. All the phones have only voice mail. We never heard from these people as to how someone takes advantage of their package. To make it worst, thus company is taking money from my bank account and they have send information to credit bureau despite not agreeing on the terms of the company. {$15000.00} are being reported on my credit file and {$4500.00} being reported to my wife credit report. We are disagreeing with these dollars amounts. I am helpless as to how to resolve issues with this company. I am asking to cancel this contract with this company since it is a scam. I am asking them to stop stealing money from my account. I am also asking them to remove information from my wife credit report and mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the four individuals leading the XXXX. 

Appreciate assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I Was Trying To Dispute Collections From My Credit Report With Credit Glory, I Paid {$270.00} For The First Month In Which They Said I Had A 90 Day Money Back If I Wasnt Satisfied. Its Been 90 Days And Nothing Has Change Within My Credit Report. I Called About 5 Times For A Refund. They Keep Saying The Person That Handles A Refund Isnt Available. So I Went Online To Look At Reviews And Everyone Has Said Its A Scam.
Product: Debt collection

I initially disputed the barred debt- not claiming it to XXXX  due to original date of debt last payment and the collection agency Contract Callers responded back to XXXX  that the information is correct that they put on my credit file. They also have on the account that a payment of {$1.00} was some how received and that is not true.I hereby wish to submit a complaint to your office to assist in getting this issue of wrongful collection debt reporting to consumers credit file. 

I am uploading the following items : 1- dispute submitted online to XXXX  that shows the company responds that all information is incorrect and that is not true.

2 - Letter I sent to the company of the item not being claimed but is of barred statute and needs to be removed from my file.

3 - Credit profile pulled XX/XX/2006 showing this same account as a collection account and was disputed. 

Please assist to help me get this removed from my credit files. 

Thanks!
Product: Mortgage

After a rigorous application process and having told the lenders that we wanted our mortgage to be l {$1500.00} or less, we decided to not proceed with them on financing our home purchase. A very aggressive and intimidating man made many harassing calls to our home using different phone numbers attempting to pressure us. 
He resorted to making threats and boldly told us to work with him otherwise, he would sell and misuse our financial and personal information to tarnish our stellar credit reputation. This is a VERY SERIOUS and disturbing threat to hear from a mortgage lender. This is unethical, illegal and crime of moral turpitude
Product: Credit reporting, credit repair services, or other personal consumer reports

We have repeatedly contacted XXXX XXXX about the account on our credit report. 

They have been advised this is a fraud account and it was not opened by myself. We have files with IdenityTheft.gov, we filed a police report, and we have written and mailed copies of all the above to XXXX. 

They have not removed the fraud account from our credit records. 

XXXX XXXX does not appear to want to remove this incorrect fraud account they opened without our knowledge or permission
Product: Credit reporting or other personal consumer reports

As per 15 USC 16c-2, please eliminate any unauthorized hard inquiries from my credit report, as I did not consent to them and they are harming my credit.
Product: Checking or savings account

On XXXX XXXX I received a notification that {$520.00} was taken out from a Chase ATM and XXXX was spent at XXXX XXXX I had called Chase immediately when I got the notification for the withdrawal. I also told them the XXXX XXXX charged was also not me since I was sitting at home before work. They had asked me if I gave my pin to anyone or my card and I had told them no I didn't. They said they would look into it and they gave me the money back for both charges while they were " investigating ''. Someone from chase had reached out to me and said along the lines of well you probably gave your information to someone and since it's in the same vicinity of where you live at we will take the money back.The person I had talked to was very dismissive and it felt like they were telling me I was lying and trying to scam them. I kept getting the same answer with no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ) .The disputed information are reporting to my credit file held with 3 credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have several accounts on my credit report that need to be removed from my credit reports.
Product: Debt collection

Debt collection agency issued me a collection letter for a medical service never authorized. The collection agency is Wakefield & Associates, Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX. After receiving the letter I wrote them back and disputed the debt with proof and stating the fraudulent nature of the debt. After attempts to have them fix the account in which they stated they would in writing, it has now been reported to my credit report. I'm am speaking with an attorney this week to sue the company for harassment and fraud. After looking up reviews on this company, these people are crooks and I am one of hundreds they have done this to illegally including ruining people 's credit for lies and illegal practices. I will provide all letters and documents upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Chase Bank on four separate occasions in the past year to disenroll me from " Chase Credit Journey '' and stop accessing my credit report. 
I am no longer a Chase customer as of XX/XX/2018, yet they keep accessing my credit report on a monthly basis in violation of my privacy.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

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

XXXXXXXX XXXX XXXX is currently showing XXXX late payments on XXXX XXXX for XX/XX/XXXX which I explained to XXXX XXXX XXXX that I did not receive my card in the mail at that time and it shouldn't be reporting as past due and XX/XX/XXXX which I explained that I was affected by XXXX XXXX and this should be Covid protected. Equifax is showing XXXX late payment for XX/XX/XXXX which should be Covid Protected and XXXX is showing XX/XX/XXXX which should be Covid Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date. 15 US Code 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Mortgage

I am, XXXX XXXX XXXX XXXX XXXX natural person in full life, in propria persona, XXXX XXXX, XXXX XXXX. My Nationality/Citizenship 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 I Domicile at the property located at c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXXXXXX XXXX  I have conclusive evidence and proof that XXXX XXXX, ( acting as ) President ( CEO ) of XXXX XXXX XXXXXXXX XXXX XXXX XXXX as ), President ( CEO ) of Freedom Mortgage Company never loaned me any money or anything, they never conveyed Title to this land that I inherited, fee simple is not a Title, is what the Deed shows, constantly requesting and accepting payments in the form of Federal Reserve Notes and other forms of FIAT, when the Constitution for the United States of America Republic clearly states in Article I, Section 10 only Gold and Silver Coins and Bullion can be used as tender to make payment for a debt, which constitutes fraud in the inducement. I have Aboriginal Title to my Estate in Reversion by way of Birthright and Inheritance. I have conclusive evidence and proof via Certified Mail where someone signed proving proof of Due Notice of Affidavit of Dispute, also proof via Certified Mail where they received my Adverse Claim of Ancestral Estate and Memorandum of Trust and never answered my Affidavit of Dispute, not did they rebut my Adverse Claim of Title to this land that I inherited which I have Aboriginal Title to it and I'm going to defend it. I am currently preparing to verbally object to the fraudulent defacto FORECLOSURE SALE of Mortgage on XX/XX/2025, and publically make Adverse Claim to my Ancestral Estate by way of Birthright and Inheritance, etc.
Product: Consumer Loan

My name is XXXX XXXX. I was XXXX aware of the CFPB and DOJ 's Resolution effective XXXX/XXXX/XXXX. As a XXXX women who have purchased XXXX vehicles from XXXX since XX/XX/XXXX, I am concerned that I may have been affected the discriminination. I contact Toyota Financial Services today, and was directed to their Fair Lending Website instead of giving me information about the discriminatory pricing policies. I 've been paying $ XXXX-XXXX amount in car notes since XX/XX/XXXX, and would like for someone to assist me to make sure that I was not directly affected by this discrimination practice.
Product: Credit reporting or other personal consumer reports

Incorrect Late Payment Reporting and for student loan deferment I am filing this compliant because my student loan account has been reported incorrectly on my credit report. 

The account shows a late payment for XX/XX/year>, even though my loan was in deferment. 

This error negatively impact my credit score. 

I have disputed this issue with Experian, XXXX and XXXX to request correction to my credit report.
Product: Mortgage

My mortgage company and servicer (XX/XX/XXXX/Shellpoint ) continues to send me letters threatening foreclosure, that my loan is in default, demanding profit/Loss and Dodd-Frank paperwork, placing me under Loss Mitigation status despite my being protected by Covid-19 hardship mortgage relief since XXXX ( CFPB case # XXXX ). XX/XX/XXXX/NewRez switched me to another mortgage servicer on XX/XX/XXXX, just Prior to my requesting an additional 180-day extension as provided by the CARES Act. Despite my sending multiple requests for extension via email XXXX XX/XX/XXXX and XX/XX/XXXX ) and fax ( sent XX/XX/XXXX ), the threats continued as they pretended to not receive them because I didnt use their online portal which binds you to their limited repayment options. After receiving foreclosure threat viaXX/XX/XXXX I called and spoke to an agent who confirmed my Covid relief had been extended through XXXX and to call back then. Yet the threats continue ; they say I must keep in contact while under Loss Mitigaton, yet when I call they have no agents available because of Covid. So they have ramifications from Covid but their customers dont? NewRez also erroneously claimed ( in a letter dating XX/XX/XXXX ccing CFPB ) that my mortgage is not federally backed and not eligible for relief under the Cares Act.
Product: Credit card

I was incarcerated and now have a couple late payments on my credit report. I just need them to be removed so that I can have a future please!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for a car loan online. Through the company I was applying for, they ask for a credit report from Transunion for {$1.00}. I put my credit card information to pay for the credit report. I was then directed to the Transunion website to create a username and password to put in my information to get the credit report. I completed the tasks and the credit report was sent to the company I applied to. On XX/XX/XXXX, Transunion took out {$19.00} out of my checking account. When they took out {$19.00}, my account went into the negative which {$27.00} was also charged to my account for overdraft fees. On XX/XX/XXXX, I called Transunion to speak with them on why they deducted the {$19.00}. I was told that when I paid for the {$1.00} report and was directed to create a username and password they automatically put me in a free trial. I told the lady that I spoke to that I did not agree to a free trial. I asked her to cancel what they had me signed up for and I asked to be refunded my money. I was told that Transunion does not do refunds. I then asked to speak to her Supervisor she said there were no supervisors there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion,   XXXX  , and   XXXX   are reporting inaccurate creditors and inquiry in my credit profile. I have called every single credit bureau to have them remove the inquiries that were not done by myself have been there for more than two years and they have not removed them from my credit file.   They are also reporting accounts that have been removed from my files and then reinserted back into my profile. I just spoke with a lady on the phone from TransUnion and she states that she can not remove any inquiries even if they are fraudulent, so what they are telling us is that anyone crooks can now go ahead and use our identity and it is ok.   they have taken more than 30 days to send my review and most of the time have no respect for the consumer. I am so fed up with the   XXXX   from these companies ruin lives and only pay attention to customers that are paying them monthly for them to monitor their credit it is right now a business.   this type of business need to stop ruining people lives and be fair, I have a closing coming up in  XX/XX/XXXX  and I need them to fix my credit report asap, please.   CTPB please help.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Failure to Provide Requested Information XXXX XXXX XXXX  Account I am writing to formally dispute the failure of the credit reporting agenciesExperian, XXXX, and XXXX provide the proof of account ownership documentation I requested regarding the XXXXXXXX XXXX XXXX  account, which I am disputing. On XX/XX/XXXX, I sent a formal request to each agency under the Fair Credit Reporting Act ( FCRA ), demanding that they obtain and provide signed documentation from XXXX XXXX XXXX verifying my ownership of the account. 

I requested the following : Signed documentation proving that I personally applied for and opened the account with XXXXXXXX XXXX XXXX 
Any other verifiable evidence linking me to this account. 
Despite this request, none of the credit reporting agencies have provided any documentation or proof within the required 30-day period. This failure is in direct violation of the FCRA, which mandates that a credit reporting agency must investigate and verify disputed information within 30 days of receiving a request. The failure of all involved agencies to comply with this law is an infringement on my rights. 

The XXXXXXXX XXXX XXXX account continues to be reported inaccurately on my credit report, and as of today, I have received no response or verification from any of the agencies to prove the legitimacy of this account or its association with me. 

I request that this matter be escalated immediately, and I demand that the credit reporting agencies either : Provide the requested signed documentation and verification proving my ownership of the XXXXXXXX XXXX XXXX  account, or Remove the account from my credit report as it remains unverifiable. 
The failure of all involved credit agencies to comply with my request is causing continued harm to my credit profile and violates my rights under the Fair Credit Reporting Act. If this matter is not resolved promptly, I will be forced to escalate it further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals office. 

Please provide me with an update on the status of this dispute and your next steps as soon as possible.