23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In Summer XX/XX/XXXX, I closed an American Express Premiere Rewards Gold Card. 

In XX/XX/XXXX, I got an error on my account when attempting to transfer membership rewards points to an airline. I called and spoke with a representative who said I had a delinquent charge on the closed card for {$3.00}. She assured me it would be waived, manually transferred the points and said I was good. 

In XX/XX/XXXX, I noticed the account was incorrectly reporting 120 days negative on my XXXX   credit report ( while doing my annual checks. ) I called and spoke with a representative at American Express who apologized and said the amount ( the same {$3.00} ) would be waived. I called the credit reporting bureau the next week and they manually pushed an update to my credit report. 

At the end of XXXX, I got a notification that a delinquency was reporting on my account again, 30 days negative. I called American Express AGAIN on XX/XX/XXXX and they said the request for the fee waiver had been denied, but that it had been taken care of, and I could call the credit bureau to get an update pushed in 48-72 hours. 

I called the American Express credit bureau on XX/XX/XXXX and after some discussion with a representative who did not seem to understand my request, she pushed an update to my report. 

Today, my XXXX  credit report is showing that a delinquency was paid off, not that the delinquency was removed. Based on my conversations and the early XXXX update to my credit report, this delinquency should be removed as if it had never existed, not simply updated to paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A XXXX CHECK TO EQIFAX AND ALL THE REQUIRED INFORMATION BY CERTIFED MAIL. MY TRACKING NUMBER SAID THAT THE DOCUMENTS WERE RECEIVED INCLUDING COPIES OF MY SOCIAL SECURITY CARD, DRIVERS LICENSE, COPY OF MY BANK STATEMENT SIGNED STATEMENT E-MAIL ADDRESS HOME ADDRESS TO FREEZE MY CREDIT PERMANENTLY. I HAVE NOT HEARD A THING FROM THESE PEOPLE AND MY CHECK HAS NOT BEEN CASHED. I DONT TRUST THESE PEOPLE NOW.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my XXXX data.
Product: Debt collection

I found out on XX/XX/XXXX that a former boyfriend of mine had opened a credit card under my name and demographics without my knowledge and had maxed it out. I called the company it was under and asked for details. They were unwilling to give me any information as I was not an authorized user for the account. I was able to have them close it so no more chargers could incur and ask that my email and phone number be placed on the account so I could inquire on it in the future. I still have not received any charge documents and they continue to call and write notifications to me that I owe the debt. I have filed with the Federal Trade Commission, the local police, and have talked to their fraud department. I have given them the name, phone number, and address of the thief, but they continue to say it is my debt. I received a request from Capital One for a clear copy of two forms of my ID and hve the form notarized. I did this and faxed it to them XX/XX/XXXX. They later sent a brief letter stating it was still my debt. The form only asked for details for whom I suspected was the identity thief and his personal information. The information form did not request details regarding the fraudulent account or how I found out about it. I again wrote to Capital One via a letter devised by the Federal Trade Commission on XX/XX/XXXX requesting they close the account, remove any charges on the account, and take steps to remove information about this account from my credit files. I received a letter from Capital One on XX/XX/XXXX stating that they are following up on the fraud notification recently filed with one of the 4 credit reporting agencies, but again find no evidence of fraud and are taking  no action. 
I then went to my local police station and filed criminal charges against the person whom stole my identity ( XX/XX/XXXX ), as suggested by the FTC. My complaint is that Capital One allowed someone else to open an account under my name and Social Security without my signature or permission and now is pressing me for payments although I have filed fraud to all the proper authorities. I would like to see their process for signing someone up for a new account and how they verify acknowledgement and permission from the person it is being set up under. I have a long history of amazing credit, and now find myself struggling with poor credit scores and harassment from credit card companies. ( He also charged up another credit card in my name ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account with Sunrise Credit Services where in XX/XX/XXXX I sent a certified mailed letter asking for them to validate the debt with my signature stating I owed them. They failed to respond. I contacted them in XX/XX/XXXX and was told they are still awaiting the information from the original creditor XXXX XXXX, but got no response. In another attempt, I filed a complaint with CFPB against them ( complaint XXXX ). They responded by stating they aren't reporting to any credit bureaus which is false. I contacted them again and a supervisor refused to get on the phone stating I needed to contact XXXX XXXX. I have contacted XXXX financial on multiple occasions, and they have told me the debt was purchased by Sunrise Credit Services.
Product: Credit card or prepaid card

On attached XX/XX/2019 Equifax XXXX Credit report XXXX Equifax represents on page 7 that it has in its possession my signature opening these accounts. It is respectfully requested that Equifax and XXXX XXXX/XXXX email a truth verified copy of this signature to XXXX or remove XXXX XXXX/XXXX from my attached page 13 credit report. 

Equifax additionally represents on page 7/8 that it has in its possession my signature opening this account. It is respectfully requested that Equifax and XXXX XXXX/XXXX email a truth verified copy of this signature to XXXX or remove XXXX XXXX from my attached page 13 credit report. 

Equifax please email my security freeze PIN to XXXX. 

On Page 15 on account of Equifax FRAUD the XX/XX/19 inquiry must be removed.
Product: Credit reporting or other personal consumer reports

This complaint is in response to the inaccurate account information by COMENITY BANK regarding their response to the CFPB complaint : XXXX. Please do not mark this complaint as a 'duplicate ' response as I do have a valid reason to ask that you, please provide the certified receipt number with my name and signature as proof that you mailed a response in regard to my 'notice of dispute ' initially. How is it that you are telling you responded in a timely manner when I filed a complaint because have no record of your response? This is one of the main reasons I filed a complaint with the CFPB in the first place. If you can not provide such proof your previous statement is hearsay. I want the accounts removed from all CRAs based on the Furnisher Rule Regulation V 660.4 ( e ) and the FCRA 's requirement to investigate that an account must be investigated within 30 days upon receipt of the letter. Please provide proof of how you verified the accuracy of this account and proof as stated early that you did respond. The date of last payment is inaccurate. It reports that the date of last payment as seen on XXXX is XX/XX/2018, but it reports in the payment history section of the report that the date of the last payment was in XX/XX/2018 in regard to account number XXXX. That is an inaccuracy and since you stated your organization verified this info to be accurate, then it is fair to say that COMENITY BANK violated 15 USC 1681s-2 ( a ) ( 1 ). For non-compliance, The FCRA provides for maximum penalties of {$4700.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to pull all of credit reports on XXXX and I was not able to pull my XXXX  report or my equifax report. 
XXXX  didn't even ask me security questions, i received this message : A condition exists that prevents XXXX  from being able to accept your request at this time. 

Equifax did the same and i received this message : Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

I haven't had any issues with my identity so im confused as to why it stopped me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate and false reporting. Please remove it from my credit report. 



XXXX  XXXX Bankruptcy / XXXX/ {$0.00}
Product: Debt collection

I noticed something strange on my credit report when I went in for a auto loan I had a collections that was affecting my credit score I settled the debt upon buying my vehicle XX/XX/XXXX thinking nothing of it until I later on found out after hiring a creditor to monitor my credit not only was I overcharged by the insurance company it was still reflecting on my credit report a year and 6 months later Ive then reached out to XXXX XXXX and received a reimbursement letter but Ive been going back in forth with collections trying to see why it was reflecting on my credit in the first place, I received a XXXX XXXX check which was the money owed from collections and the amount overpayed XX/XX/XXXX although the letter says I should of received it XX/XX/XXXX and they had 30 days to mail regarding the issue of it being removed off my report, they asked for my original cover letter XXXX XXXX sent out in order to prove it was in fact them at fault I agreed in saw no issue with doing so but now the only difficult issue is them sending the original cover letter back because theyre now claiming They havent received the letter nor requested it, even though I have audio proof from a supervisor on the matter confirming the letter had been received on the same day as my tracking number from ups
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to correct or repair the following items from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a letter from u guys stating that I owe {$510.00} for XXXX n I want to file a claim about this situation because on XX/XX/XXXX i paid {$100.00} for XXXX n they stated that everything was good until I got paid again XXXX they ended up shutting off my devices but I am wondering y i am being charged {$510.00} when I shouldn't be getting charged for anything bcuz i paid XXXX on XX/XX/XXXX so I would like a refund of what i am being charged
Product: Credit reporting

CHEX Systems has not deleted the fraudulent XXXX credit card application and has not deleted the fraudulent address used for that which is XXXX, XXXX, CA XXXX. It is still on my file, NOT DONE. Letter from them was from the Consumer Relations dept which knows nothing about it, and said it was done, and gave me a phone number only for Consumer Relations., and on the next page all the fraudulent activity was still listed. Delete XXXX and delete this XXXX address and send me a clean copy by mail.
Product: Debt collection

I recently have been getting a call from a XXXX saying that I owe a debt. The person named XXXX does not identify the agency that she works for or says where the debt is coming from. I did get an email saying that I owe money from XXXX, but it does not give specfics of when I took out the alleged loan and that there has been multiple attempts to contact me and I have not responded. When I google Chaplain Financial it comes up as scam. The call back number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a Collections items of {$410.00} on my Credit Report dropping my XXXX XXXX by XXXX points in error. XXXX XXXX has pulled the account from XXXX XXXX XXXX as of XXXX. They didnt billed the correct Insurance company and balance is {$0.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 we unknowingly transferred {$4500.00} to an impersonator who was imitating the company we are working with to restore our home after we experienced a category 3 flood. Funds were transferred via ACH to their XXXX XXXX Account ending in XXXX. The scammers utilized the signature block of the person we had been dealing with from the legitimate company. Later that same day, we called the company to inform them that the payment had been made and they informed us that they had been hacked and a few of their other customers had fallen victims to these scammers. They then sent an email to all their customers to inform the if the issue. We called our bank, USAA, the same day to report the fraud and asked for the transfer to be canceled our reversed. On XX/XX/XXXX, they informed us that they were not going to take action because they " determined the transaction was processed as requested. '' While this is accurate, this is exactly how scammers get away with this because they convince unsuspecting people to initiate these transfers that are then " processed as requested. '' Request assistance in getting USAA to get our money back as this money is supposed to be used for restoring our home to a livable condition. 

Note : I was not able to upload the entire email string due to the PDF exceeding the 10MB limit ( it's 11.52 MB ).
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXXXXXX, # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Alliant FCU has continually attempted to collect a alledged debt from me that I am disputing. I am a federally protected consumer and I have reason to believe Alliant FCU has violated my rights as a natural person. I had a consumer credit transaction with them and now they are alleging that I owe a alleged debt on an account that has been allegedly charged off, which the alleged charged off amount is incorrect. They also have admittedly reported private consumer information about the consumer credit transaction to the consumer reporting agencies without my express written consent as required by law. I have reason to believe was done in order to coerce payment on extension of a credit, which is a violation, criminally and civilly and violators shall be fined or imprisoned not more than 20 years, or both. Lastly they stated in communication that they have confirmed that the information they have reported about me to the consumer reporting agencies was accurate. Therefore I am requesting the details on how they verified that the alleged debt was valid. What means they took, who they spoke to, what dates, and what was the communication details of those actions ( what was said or done ). I am simply asking them to provide proof that they have not committed fraud against me. If they can not provide that valid proof then I demand remedy.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that this case is part of case # XXXX 1.I encountered terrible financial hardship back in XXXX. 
2. I applied for a loan modification for my home wich was financed with Wells Fargo. 
3. I wrote wells Fargo mortgage company requesting that they assess my XXXX mortgage loan to fair market value which appraised at XXXX. 
4. Wells Fargo initially verbally agreed to do it as per the VA loan counselor XXXX. 
5. For unknown reasons, Wells Fargo changed their mind about the adjustment. 
6. I got legal counsel and obtained a lawyer in XXXX XXXX NJ XXXX XXXX. He advised me to file for bankruptcy and included the home at XXXX XXXX XXXX XXXX. 
7. I filed for bankruptcy in XXXX and it was discharged in XXXX. 
8. I recently applied for a VA loan but was denied because wells Fargo reported that they foreclosed on the above listed house in XXXX. 
9. Wells Fargo reported to the VA that they gave me a deed in lieu of foreclosure. 
10. Because of the unscrupulous acts and reporting from Wells Fargo, the VA has reported a debt on my COE. 
11. Wells Fargo mortgage has a long history of consumer abuse.
Product: Mortgage

I was coerced into a hard money loan on my primary home that I had paid off ( I found out this is illegal in the state of Md ), with he idea of getting on track and getting my credit score up. I missed a payment and they would not let me send in a payment. They said that they only debit money from a person 's account. My payments were $ XXXX/month. By the time they were going to make the next deduction it was over {$5000.00}. I was expecting somewhere around {$4500.00}. After that it was stop gap measure here and there trying to stopdelay them foreclosing on my primary home. They sold the loan to another loan company which eventually foreclosed. The sale was held and the primary company I got the loan in the first place bought my home. I have received a eviction notice. This was done by XXXX XXXX agent XXXX XXXX and Title agent XXXX XXXX. I doubt I am the only person they got caught up in this scam. I got an email from him on XX/XX/XXXX about the appraisal, to make sure I told the appraiser that the home was not owner occupied. On XX/XX/XXXX I got an eviction notice taped to my door.
Product: Mortgage

Contacted Mr. Cooper ( Nationstar Mortgage ) in XXXX XXXX about dropping the PMI on my conventional loan. Was told that appraisal would be done and I needed 25 % equity to have the PMI dropped. Was also told that the process should take a couple of weeks to get the appraisal and a couple more weeks to review. Appraisal was conducted on XX/XX/XXXX and submitted on XX/XX/XXXX. I contacted Mr. Cooper on XX/XX/XXXX after still not hearing anything about the outcome of my request. I was then told by XXXX of Mr. Cooper that " the report is subject to additional review and approval by Mr. Cooper ''. I asked for an explanation of what that meant, what exactly needed additional review. XXXX repeated that sentence and didn't offer further explanation. I also asked how long the additional review period would be and she gave multiple answers from 2 weeks to 30 days to indefinitely. Mr. Cooper emailed a copy of the valuation report dated XX/XX/XXXX and said that I should have received a copy in the mail, but I have yet to receive it as of XX/XX/XXXX. The balance of my loan is about {$340000.00} and my home appraised for {$570000.00}. There is well over 25 % equity and the PMI should be dropped immediately. I don't have confidence that Mr. Cooper is going to remove the PMI or give me any further explanation on what they are looking into. 

Since my request in XXXX to drop the PMI, my monthly payment has been increase twice by Mr. Cooper. They are referencing that there is a shortfall in my escrow account. I found that they paid the wrong home insurance company out of my escrow account even though they had the correct information. They then needed to correct the issue by issuing the correct payment. They immediately used that instance to recalculate my payment instead of waiting to be reimbursed. They also increased it another time stating other escrow shortfalls but not providing evidence, like the exact new tax bill. In reality my payment should be lower because my new home insurance is {$500.00} less than the previous year. As of XX/XX/XXXX my property taxes have not been increased for XXXX, the new XX/XX/XXXX bill has not been issued. The last payment for taxes was paid on XX/XX/XXXX. I feel that Mr. Cooper is unfairly increasing my payments and putting off my requests to lower it, while also trying to persuade me to refinance, even though that's not in my best interest as interest rates are higher.
Product: Credit reporting or other personal consumer reports

I really feel like I have been discriminated and I have been trying to talk to him about the matter but he hasn't responded since XX/XX/scrub>XXXX XXXX XXXX