23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Home mortgage discharged in bankruptcy. Debt collection company sends collection letter. I call and notify them debt is discharged in bankruptcy. Debt collection company tells me I am still responsible for penalties and fees. They refuse to accept validity of bankruptcy discharge. Internet research reveals this company is running a well known scam to illegally collect money that is not owed to them. They are running a con that relies on uniformed consumers fearing them.
Product: Checking or savings account

Date acct was opened XX/XX/2022. No funds were added to acct. I received an email that an acct was opened in my name. I was able to close the acct. They opened bank account using my social security #
Product: Mortgage

I was in the Wells Fargo Home Mortgage forebearance plan since losing employment in early 2019. 

Starting in XX/XX/2019, I have been in contact with Wells Fargo Home Mortgage once I found new employment. 

I submitted all documents to Wells Fargo Home Mortgage that were needed for the modification of my mortgage to avoid foreclosure and to pay the late balance. 

I provided WFHM with 1 ) pay stubs, 2 ) WFHM Modification Application, 3 ) Bank Statements showing direct deposit, 4 ) Notarized Signed Affidavits of Employment, 5 ) Employment Verification.

I submitted the required documents several times to WFHM via ; Fax and Upload on the WFHM - HomeTrack website.

After my last document upload, WFHM now is requesting additional verification. I believe I am being targeted and discriminated against by WFHM, because they are continuing to ask for additional information.
Product: Credit reporting or other personal consumer reports

XXXX & Transunion NEVER Did Proper Investigation according to the FCRA Into the Identity Theft On Accounts with XXXX XXXX XXXX Everything about this account is Inaccurate Dates, Balance down to the status of the account The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They did not do this. 

Because if they are getting verified information from the same SOURCE why is the information on both Credit Bureaus Inconsistent with whats being reported on my report Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE!! 

The credit bureaus stated this account was properly investigated but how if I am a victim of IDENTITY Theft They Also Violated the law because according to 15U.S.C 1681 Sec : on 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Sec : on 604 A States a Consumer reporting agency can not furnish an account without my written instruction. I have not giving anyone permission to furnish any information regarding this mattEr
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to submit an online credit report dispute to XXXX and TransUnion for over a month and have gotten multiple technical difficulty notices on both websites one month ago and again today. Ive tried calling both agencies then and today, and have been told that their server is down or that they are closed. Ive even seen a notice that my information is wrong and they arent able to find my credit report when I got reports from BOTH of these agencies in mid XXXX. I was able to contact XXXX last month and theyve already corrected the erroneous late payment note on my report which immediately got my credit score over 700! Im trying to refinance my house and the credit scores from XXXX and TransUnion are killing my chances of even getting a loan, much less getting a decent rate. PLEASE contact those folks and tell them to quit blockading their website in order to avoid doing their job!
Product: Credit card or prepaid card

HSBC BANK XXXX froze my bank account in early XXXX, and I lost access to my online banking. 

They did this for suspected fraud and asked me to come into branch with valid ID and to provide evidence regarding a XXXX credit coming into my account. 

I did all of this, submitting statements and official letters that validated the payment. 

The review was completed swiftly and on XXXX XXXX I received a letter stating that with requested evidence, the bank completed our enquiry and all restrictions on your account have been removed. 

In fact, no restrictions have been removed and the bank has continued to unlawfully hold my money without unblocking the account. It has now been over 6 weeks since I received this letter and well over 2 months since the account got restricted. I have not had any contact from the bank and they have just illegally been holding my account, I know they are not allowed to do so by XXXX law for over 6 weeks. 

I am a XXXX  and all my money is in this bank account as well as my XXXX  overdraft. Also my XXXX XXXX  from my university ( XXXX XXXX ) came into this account and I am unable to spend the rest of it which means I have no food. I am starving and cant pay my bills and cant focus on finishing XXXX XXXX XXXX because of this. I have developed XXXX XXXX and XXXX XXXXXXXX and XXXX XXXX. I have been seeing many XXXX and doctors because of the ongoing situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report and discovered many account that were not opened by me and i received no benefit. Please help me remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Dear XXXX XXXX XXXX I am writing to dispute any and all debts associated with my name in your records. As per the Consumer Financial Protection Bureau ( CFPB ) guidelines, I revoke all communication rights and request validation of this debt. I demand full disclosure, including the purchase agreement between your agency and the original creditor, as well as proof of your licensing and bonding. 

It has come to my attention that despite my requests, you have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Yet, you have reported this debt to consumer reporting agencies, which is a violation of my rights under the same regulation.

Furthermore, I have not been given an opportunity to dispute this account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Your actions constitute false, misleading, and deceptive practices, which are prohibited by the Fair Debt Collection Practices Act [ 6 ]. Moreover, your furnishing of this account to consumer reporting agencies without proper disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) [ 5 ], [ 4 ]. 

I demand that you cease all collection activities and remove this debt from my consumer report immediately. 

Sincerely, XXXX XXXX
Product: Credit card

I have a credit card account with Capital One. The limit on this account is {$500.00}. I took a couple of cash advances when the account was first open. I have made purchases also. Never have I exceed the {$500.00} dollar limit. However on each monthly statement, " Balance subject to interest rate '' on purchases amount changes after each payment. It either goes up on down depending on purchases and payment. The interest on " Balance subject to interest rate '' is the same as Cash Advances. The balance on CASH ADVANCES has only decrease less than {$2.00} over the last two years, BUT the interest rate is the same as for PURCHASE. Payments have been made over the last 2 years. No portions of my payments have been applied to CASH ADVANCES. There were times that I paid more than the minimum on this account and NOTHING has gone toward the CASH ADVANCES balance. HOWEVER, I am being continually charged the same interest rate and not seeing a declining balance. Each month this company is getting an extra couple of dollars buy not applying any of the payments toward cash advances. All payments goes to purchases until this account is paid off. But there is the interest charges continuing on cash advances even if you make more than the minimum payment amount.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report despite your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are significantly affecting my credit score. 

Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified this account, so I may follow up.

Please also send me an updated copy of my credit report following your reinvestigation.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

in XXXX I opened a XXXX account and after 2 years, closed the account. The balance on the account was {$1000.00} at the time of closure due to a balance on a new phone. I paid the balance with my XXXX XXXX card and received a FINAL BILL in the mail from XXXX around XXXX showing a {$0.00} balance. The words " Your account has a XXXX balance, no payment is due '' and " Thanks for paying your last bill of XXXX on XX/XX/year> ''. 
I also have a receipt from XXXX XXXX that shows the payment to XXXX on XXXX. 

About a year later I had a collection account show up on my Experian credit report for T-mobile with a balance of {$1100.00}. I submitted a copy of the final bill as well as payment receipt to Experian who subsequently removed the collection account and restored my credit scrore to it's previous rating. About a year later, the collection popped up again, so I repeated my submitted paperwork and it was again removed. About a year later, it popped up again, so once again, I repeated my process, only this time the credit reporting agency refuses to remove the collection and the only response is that the " information has been verified ''. I have tried to reach out to XXXX XXXX XXXX, but they will not speak to me until I pay the balance they think I owe. 

I am tired of fighting with Experian about this bogus colleciton account. Prior to this beginning, my credit was very good with a XXXX XXXX of XXXX. Since, I have had it drop as low as XXXX and it currently hovers around XXXX. 
XXXX doesn't show the collection account. XXXX does. I have disputed it with XXXX and they removed it initially, but it is now showing again on their system as well.
Product: Debt collection

I've attempted to have this item removed from my credit file because the debt collector has never contact me regarding the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has inaccurately reported my account with a balance of {$710.00} dollars. It accurately reports there were no late payments and the account was closed in XX/XX/2017. My credit report is showing this account as a charge off. The account was sold to XXXX XXXX. Please investigate further.
Product: Credit reporting or other personal consumer reports

An incorrect account information has been discovered on my credit report. This incorrect information is being reported for XXXX by the 3 Credit Reporting Agencies , XXXX, XXXX, and Equifax. Below are the incorrect account status as reported by the agencies. 

Last Verified : XX/XX/XXXX ( XXXX ), No date ( XXXX ), No date ( Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), -- ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Closed : XX/XX/XXXX I have requested a Reinvestigation for the inaccuracy to this information reported by XXXX, XXXX and Equifax but none of these companies has responded with absolutely certainty of the accuracy of these information.
Product: Consumer Loan

We applied for home equity loan through TD bank. Apparently, the processor left TD before we closed on loan and now new processor took over and is basically starting from beginning. We started this process in XXXX, and yet to close. The local TD branch where we initially applied is basically not doing anything to help us close. They only answer my emails or calls. I have been in touch with the loan agent every week, several times a week. I have been promised this now will be " rushed '' but we are now XX/XX/XXXX and still no closing date. I have done many hours of paper work for this and I am beyond frustrated. I am sorry I ever started this.
Product: Vehicle loan or lease

td auto is reporting a charged off loan for XXXX, XXXX on my credit report, td auto sued me without proper notice this was during covid 19 time i never got summed or nothing im hiring a fcra lawyer to help me take td auto to court for doing a automatic judgement. 

so the balance on td auto should be XXXX not XXXX once we go to court we can see what we can up too i might have to file bankruptcy depening on what laywer says
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX Inquiry : XXXX. XXXX, 2021 XXXX  XXXX Inquiry : XXXX. XXXX, 2021
Product: Credit card or prepaid card

I am the victim of a data purge and somebody is trying to use my social and credit to take out credit cards and buy merchandise from 3rd party vendors like XXXX ( a XXXX $ XXXX XXXX was bought and sent to my address but I returned it ). I have already spoken to the people at XXXX  XXXX XXXX and told them that the credit card applications being sent are fraudulent. I have just received a letter in the mail from a denied discover card application. Some one is actively trying to use my identity and I have filed a police report with my local authorities and froze my credit on the 3 major credit companies and also place an initial fraud alert. I am at a loss of what to do next.
Product: Student loan

Load servicer says I'm qualified and met the requirements to receive a school misconduct application but have now been denied twice without specific answers as to why. I have provided all information, evidence, claims, job history, and additional information on federal portions of my loans that have been forgiven for the same reasons. I'm met with a blanket statement with no specifics as to my specific reason for denial. I'm forwarded around and told multiple times that the department that services these requests can not be contacted over the phone or e-mail directly to give me answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I opened a complaint against Equifax for not allowing me to manage my credit freeze online. On XX/XX/23, Equifax closed the case without resolving my issue. As of now, I am still unable to freeze or unfreeze my credit file as needed. For the past year, whenever I login to my account and request anything, I was given the error message " We are temporarily unable to complete this request. Please try again later. '' I believe temporary means a few hours or a few days, but not a whole year.
Product: Checking or savings account

I tried cashing personal check with chase bank from my grandfather XXXX XXXX XXXX  we can't stop payment on his end because they already processed payment. Even though bank has spoken to him on multiple different phone lines they can't verify him? wont let us come in with an id for verification so we have called both numerous times for it is a large lump some of cash we need that back!!! {$25000.00} we have tried giving them his banks number and everything.
Product: Debt collection

I have a debt collector who keeps calling me-Sometimes 2-3x a day- I called them back to find out what they needed- They are looking for my brother XXXX- I have told them, He does not live here, I have not seen or talked to him in a long time, and to stop calling me or I am seeking legal advice- I have told them that twice- They proceeded to call again, leaving voicemails, I still have some of them. I have spoken to an attorney about this I have deleted alot of the voicemails because my answering machine was getting full- but the most recent voicemailare from XXXX at XXXX ; XXXX XXXX at XXXX ; XXXX XXXX at XXXX other call times are : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX They call from like 2 or 3 different numbers some of these days they have called twice with two different numbers After speaking to attorney I am now writing them a letter and sending it certified
Product: Credit card or prepaid card

1. XXXX XXXX ( XXXX XXXX of XXXX $ in collection since XX/XX/XXXX. 
Fraud 2. Bank of America XXXX of XXXX $ Credit card opened XX/XX/XXXX. 
Never had this Fraud 3. XXXX XXXX they put an application for a bank of America card and I called to stop it. 
Also not me Fraud
Product: Credit reporting or other personal consumer reports

I do not recognize these XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This information is incorrect XXXX XXXX XX/XX/XXXX This inquiries were not authorized XXXX XXXX CO XXXX DC XXXX XXXX
Product: Credit reporting or other personal consumer reports

see attached I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 
Here are the specific items in contention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 
Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 
The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 
I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 
Thank you in advance for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I sent multiple letters regarding this inaccuracies on my report. But I never received any response or resolution about this matter. These account are paid on time and was never late. 

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 These accounts are not mine, I never signed any agreement or contract with them. I don't have any business to any of these following accounts. 

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

n accordance with the Fair Credit Reporting act 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 st
ates a consumer reporting agency can not furnish a account without my written instructions What certified documents were reviewed to conclude your investigation? 
Please provide me a complete copy of all the information that was transmitted to the data Furnisher as part of the investigation as required by the FCRA : who did you speak with? What was the date? How long was the conversation? what was their position? What number did call? what is the name of the employee that spoke directly to the creditor? What is the position of your employee that spoke to the creditor? 

According the the fair credit act 15 U.S.C. 1681g ] 609 ( a ) Every consumer reporting agency shall, upon request, subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer accurate information on their consumer report. Section 611 2b ; the consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer. 15 U.S.C. 1681 section. 617 1a states Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure. 
I have attached responses I received from the creditors proving that they have no Knowledge of these accounts The address these creditors have for me on file I never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This fraudulent reporting has caused me severe financial and emotional distress
Product: Checking or savings account

I moved my funds out of my account in order to get a XXXX balance, which was needed in order to close the account. This is an account that had not charged a service fee in the past. As soon as the account level went to XXXX, a charge was levied such that my account now shows a negative balance of {$12.00}. When I called, they told me that a fee was levied because the account balance did not meet their criteria for a fee ... but they would refund the {$12.00} and close the account. So that is nice but they need to be called out on the whole mess.