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

False and not agreed upon information was reported to the XXXX & XXXX  that hows now affected me and my husbands credit in a negative way. On XXXX, ISPC reported that the account we have with them that was " paid as agreed '' with the agreed upon amount by them and us was reported as a negative/adverse account. It was wrongly reported as " closed & not paid as agreed ''. They also reported the same negative/derogatory incorrect information with the date of XX/XX/2017 to XXXX. All the information reported to both of these credit bureaus is wrong and was not what was agreed upon after they received payment for the account. I believe there intent was after receiving their money, they wanted to ruin our credit maliciously which has now affected us in a negative way. I have made numerous attempts to reach out to them to have them correct the information on out credit and they have stated they will not change the information. They are sharks and scam artist with the goal of ruining peoples lives and credit with " 0 '' understanding and do not keep their agreements after payment received.
Product: Debt collection

Original Creditor is XXXX, XXXX, then it was sold to XXXX , XXXX and now XXXX XXXX XXXX has the account XXXX. This is not my loan, I have a police report and a fraud affidavit I sent numerous times to all XXXX companies. I have also sent XXXX information on this too and they are still reporting Springleaf on my credit report. This is not fair that I have provided the information and I am still be punished for something I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on Equifax credit report. 



Fraudulent accounts appearing on my credit report. XXXX. XXXX XXXX {$3900.00} XXXX. XXXX XXXX {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my credit report, this is a violation of my consumer protection rights.
Product: Checking or savings account

on XX/XX/XXXX I paid sent {$5000.00} to a vender via chase bill pay. on XX/XX/XXXX, Vender informed me that they never received the check. On XX/XX/XXXX i placed a stop payment request on the bill pay check. I was notified by chase that the stop payment was completed. On XX/XX/XXXX, I called chase as the {$5000.00} was not credited back. The rep stated that the check was stopped and it took XXXX business days to be refunded and that I would receive the credit that day or the next ( XX/XX/XXXX ). The stop payment was never credited. I called today and was informed that the check was never stopped. that I had to call in to stop a bill pay check. now I have to wait another XXXX days for the credit. Additionally, they refused to stop payment unless i agreed agree accept liability if the check was fraudulently cashed for another 2 days. I was forced to agree to their " disclosure '' or they would not now stop the check. I believe that chase has purposely and intentionally created a difficult process to stop bill pay checks to cause delay in crediting the account in order to hold money that is not theirs interest free. Additionally, they are coercing consumers to accept liability before stopping a check. These terms, conditions, and liability are not disclosed to consumers when opening an account. Their customer service intentionally misinformed me about the status of the stop payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the Equifax data breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, Equifax, XXXX didnt make sure it was reporting 100 % correct. I reached out to them and nothing was done. In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt or credit management

I have been using the Bright Money service app for a couple years. I had to stop using them these past 2 years because they would promise me a better credit score and debt settlement if I paid them a monthly fee of $ XXXX. Nothing has changed and they are charging me unexpectedly after canceling their services for 2 years. I tried to look at my account again since they are still emailing me about charges I owe but my account was deleted as said by their representative.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Subject : ** Dispute of Inaccurate Information and Unauthorized Inquiries Dear CFPB, Im writing to dispute inaccurate information and unauthorized credit inquiries on my credit report.

1. **Inaccurate Information** : There are some entries on my report that I do not recognize or that are incorrect. I believe these should be removed or corrected.

2. **Unauthorized Inquiries** : There are credit inquiries listed that I did not authorize. According to the Fair Credit Reporting Act ( FCRA ), inquiries should only appear with my permission, and these should be removed. 

Please investigate these issues and help ensure my credit report is accurate. If you need any more information from me, please let me know. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing 3 accounts with EXPERIAN that those accounts have items with inaccuracy information : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], I am requesting : 1. Immediate RE-investigation into the disputed items listed above.


2. Removal of late payments and also correction of the inaccurate information. 3. An updated copy of my credit report reflecting these corrections. 
I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law.
Product: Credit card or prepaid card

To Whom It May Concern : Much like many other financial institutions I have had problems making payments. Barclays during an extended period of time didn't give me access to their website to make payments. They locked me out. They didn't give me an alternative to pay. The only institution that didn't want to accept money. I believe this was done in a malignant way. Since this is a XXXX Company I had a very hard time getting through. I eventually got a hold of the CEO in XXXX and I got a response. But nothing got resolved. I spoke finally after about 10 calls to a person that opened the website to me and gave me the opportunity to make payments. By this time I was very late and delinquent because they didn't want to accept money. After having them open the website I was able to start making payments but they were reporting everything to the credit agencies as delinquent. It has hurt me in every way financially. I am now in better standing but they have not reinstated the credit card. They continue having it cancelled and therefore hurting my credit score. It has taken a tremendous amount of time from my work and therefore hurt my family financially.
Product: Credit card

some open a account in my name citi card I do n't know how who did it a address has been add to my credit report spoke to citi Bank nutting has change it has affect my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Chapter XXXX Bankruptcy Case Number : XXXX XXXX  XXXX Account Number : XXXX XXXX, XXXX Account Number : 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.
Product: Checking or savings account

Hello, I received a letter from Wells Fargo about a change of address notification for a checking account and a platinum debit card. Checking account ending XXXX and debit card ending in XXXX. They also mentioned that they have updated the address and they are checking whether it was me who did that change. I called them immediately and told them I do not have any Wells Fargo card or ever had any banking relationship with Wells Fargo. It's a fraudulent account and I want them to freeze it and kindly investigate it. Upon requesting to freeze and give a letter in writing about the action fraud department employee started questioning me and asked me unrelated financial questions and my social security number. I told them that I am not comfortable giving you that information knowing that I am a victim of identity fraud and the next thing they are asking me is my social is a cruel thing. They told me they can not do anything in this regard and closed the case. I told them wells Fargo opened a fraudulent account using my name and address and now that person is trying to change address with USPS to divert my mails. I reached out to USPS and mentioned to them I am not changing any address nor have I made any request. I seek a resolution and in meantime, during my online search, I found that this is a modus operandi of wells Fargo to increase customers.
Product: Mortgage

In XXXX of 2017, My wife and I closed our loan for our new house in XXXX, CA. It is a VA loan issued through XXXX XXXX XXXX. This complaint is NOT against XXXX. Since closing, we have received several offers in the mail to change our loan from different companies. One we received was from Credence Funding, NMLS # XXXX. On the one page letter, it states the " Payments based on 30 year fixed rate of 2.25 % and the original loan amount of {$250000.00} '', and " Payments are fixed for 30 years. '' I contacted the company today to discuss getting this loan. I talked to XXXX at XXXX. During the discussion, XXXX indicated the current rate was 3.25 % and my P & I would go down approximately {$80.00} per month, ( not the {$240.00} quoted on the notice ). When I questioned him on the published rate on the notice the company had sent me, XXXX said that was for the XXXX  ARM loan, not the 30 year fixed. I explained to him that the notice I have in hand from his company specified it is for a 30 year fixed loan, and did not mention a XXXX ARM at all on the notice, XXXX said it was probably just the marketing group that put out the notice and it is only for XXXX ARMS. I thanks him for his time, and informed XXXX that I was not interested in an ARM, and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a collection in the amount of {$27000.00} partial account number XXXX. ( Please see page 22 of the attached credit report. ) This account is over 7 years and reporting of this item is a violation of the Fair Credit Reporting Act. This inaccurate reporting is harming my credit score. Please delete this line item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. I sent them a certified letter XX/XX/2021 and got noticed that they received it. Pursuant to 15 USC 1681a ( 2 ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41. Your office is on notice you have 30 days.
Product: Money transfer, virtual currency, or money service

{$100.00} transaction to an unknown company via XXXX XX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I applied for a " loan '' or " open line of credit with net credit. like everyone else I was in a severe desperate pinch for money and fast, im newly XXXX XXXX XXXX. and im drowning from trying to keep up with the payments from this company and im not understanding how their repayment process is even allowed in this country. 

XX/XX/2023. 
- applied for {$3100.00} credit advance. 
- charged 10 % " fee '' received only {$2700.00} I have made 10 payments ranging from about $ XXXX {$180.00} and my balance is only at {$2700.00}. 

I made a big mistake working with a company that operates like this.
Product: Money transfer, virtual currency, or money service

I was coerced into trusting someone to send funds through zelle to revieve a computer graphics card, i sent around XXXX dollars but then was blocked by the person after sending, My bank denied my claim and I haven't been able to get any info from zelle
Product: Debt collection

ON XX/XX/2021 I CONTACTED PAYLIANCE THAT HAS REPORTED 2 FRAUDULENT ACCOUNTS ON MY CREDIT REPORT AS COLLECTIONS WHICH ARE NOT MINE. I HAVE DISPUTED WITH XXXX BUT THEY HAVE YET TO REMOVE FROM MY CREDIT REPORT. I HAVE SENT PAYLIANCE A LETTER AND MY IDENTITY THEFT REPORT OVER 2 MONTHS AGO AND I HAVE YET TO HEAR FROM THEM. THESE FRAUDULENT COLLECTION ACCOUNTS HAVE CAUSED ME SO MUCH GRIEF AND HAVE HINDERED ME FROM OBTAINING CREDIT. THESE FRAUDULENT ACCOUNTS NEED TO BE REMOVED. 
I LOOKED UP THIS COMPANY PAYLIANCE AND THEY HAVE SEVERAL COMPLAINTS WITH THE XXXX FOR ADDING THESE FRAUDULENT ACCOUNTS ON CONSUMERS CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

submitted disputes online with XXXX, Equifax XXXX and the report number for experian is XXXX on XX/XX/year> to verify collection account with XXXX XXXX but the information comes back as accurate and verified yet the information is still incorrect. I have reached out to the company multiple times to verify debt collection and I also have yet to receive debt validation from the company or company trying to collect an invalid debt. I have attached all of the letter I have sent to debt collection companies.
Product: Mortgage

RE : CFPB Complaint # XXXX Thank you for the update on my complaint filed on XX/XX/17 regarding my situation with PHH Mortgage. Interestingly, I just received another advertisement in the mail from PHH ( see attached copy ) regarding the exact thing they offered me before and later denied. They bait people in saying, because of our excellent standing and estimated home value we may be able to receive cash out funds. I understands it says may, but then when you speak to one of PHHs ( I assume ) commission driven representatives, they further encourage you with statements about how we are in a great position to proceed. Then they basically steal over {$700.00} from you in a blink of an eye. Depending on the response I receive from PHH, which should not even take this long to resolve, I will decide if I will proceed with other avenues available to me. In the meantime, however, I will await a response from you. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked Experian to remove this inquiry because it was not mine. Experian is the only one to not remove.
Product: Credit reporting or other personal consumer reports

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I was approved for a financial relief program offered by XXXX XXXX XXXX Under the XXXX XXXX, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law. 

Fair Credit Reporting Act ( FCRA ) XXXX the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report. 

Truth in Lending Act ( XXXX ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

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

Received a letter dated XX/XX/2023 amount {$660.00} This is a ongoing issue and concern with this creditor they are misinformed This is additional information submitting
Product: Student loan

On XX/XX/2014 American Education Services sold my student loan to XXXX. The problem is that I was having difficulty making the payments due to numerous medical issues that had occurred in our family, but I tried numerous times to work with them. They had horrible customer service, and when I finally resorted to going to speak to an attorney about the issue, they quickly added {$10000.00} to the loan and sold it off. My original loan amount was around {$14000.00} and now today it sits at over {$25000.00} due to this. I have tried many ways to look into this matter and how it is ethical to tack on a hefty profit prior to selling off, but not until today did I find this website to report them to. How is this legal for them to do that? They had threatened to garnish my wages which is what led me to an attorney, and unfortunately I chose a poor one who misguided me on how I could get resolution. I would appreciate any assistance you can offer, since the government should also have an issue with a company representing the government doing this to people. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In checking my TransUnion report I noticed an account XXXX XXXX XXXX with no account number showing on my report as last reporting XXXX XXXX with an open balance showing {$1300.00}. To my knowledge I do not, nor have I entered into an agreement for repayment to XXXX XXXX XXXX. XXXX XXXX XXXX has no authority to collect from me. XXXX XXXX XXXX is hereby in violation of my consumer rights afforded to me under the Fair Credit Reporting Act. According to the Fair Credit Report Act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that is listed on a consumer report. 

I demand from XXXX XXXX verifiable proof where I have lawfully consented to enter into any contract with XXXX XXXX. If this can not be provided, I demand an immediate deletion from any and all credit reporting agencies that they may furnished this inaccurate information to.
Product: Debt collection

I received a notification on my credit monitoring app that my credit score went down 31 points. When I looked at my report, there was an account with from Credence Resource Management. I keep contacting them because I have never done business with them and this is not my debt. XXXX  XXXX was paid almost a year ago. Now the account is reporting closed. I want it off of my report.
Product: Mortgage

My prior CFPB complaint was closed by Wells Fargo in error. 

Representative reviewed only information related to smaller payments and mediation claim. She had no connection with the mediation team and no justification to close my complaint. 

XXXX XXXX XXXX stated that XXXX has distributed all payments regarding the financial miscalculations experienced when our home mortgage was serviced by them. 

The original complaint was regarding the CFPB settlement. Was told by XXXX that my eligibility was being investigated by an outside company. 

I wasnt provided the company name or any tracking information. 

I have contacted XXXX and updated my contact info every time. I then receive sorry, but we couldnt reach you letter because they never updated my phone number in system. 

This is the same thing XXXX did in the XXXX. Deny they got the paperwork. Delay the process by simple incompetence by design ( not updating records ), blatant lies ( paperwork not received ), closing files when they should have been resolved and communicated by the appropriate parties. 

Any research a customer tries to do that holds XXXX accountable will not receive accurate or appropriate service. 

I have been severely and irreparably harmed by the fraudulent and criminal behavior of Wells Fargo Home Mortgage. My documentation includes medical records dating back to XXXX. Those documents details the sudden and rapid decline of my physical health due to heightened stress and extreme anxiety due to XXXX  business practices. 

I need to know the status of my settlement from the Wells Fargo Class Action suit. Is my file under review? If so, with what company or organization? How long has my file been under review? Do I need my attorney to coordinate my application and record of deposition to them in addition to XXXX XXXX?
Product: Debt collection

I reached an agreement with Schlee and Stillman to pay {$600.00} of a {$800.00} judgement. A few months after paying the {$600.00} they levied my XXXX XXXX XXXX account for {$300.00} and are still holding my account hostage. I was never served or notified of a levy. I am experiencing economic hardship because of this company actions.