23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I signed up with a company XXXX XXXX that promises over the phone that they would help settle my debt fast. 

The man who spoke with stated that I would need to stop making payments to my creditors, and that they will begin negotiations for a low settlement. They stated it will lower my credit but only for a short time while they quickly made negations and settled my debt. This all made sense and was all advertised to be something they get done quickly.

A year past and they were only able to settle with one company. I called the company frequently throughout the year, following up asking why it was taking so long to settle with the last three companies. Every conversations I would have it was never clear. They would always have an excuse and they blamed it on the other company stating they were waiting to hear back. The last time I called and the reason why I stopped working with XXXX XXXX was that they stated that in order to come to a settlement I would need to pay them more money. I was confused because I was told they would quickly negotiate a settlement with the companies and I would pay XXXX XXXX Instead they wanted the money upfront which was not explained to me over the phone. What did not make sense was they were not reaching any settlements so my creditors were not getting payed and my credit was destroyed when they promised my debts would be settled fast. 

I ended up having to pay them over a XXXX dollars in attorney fees to stop working with them. It was a complete disaster and lie from the beginning. This company has taken advantage of so many people by lying say they will work very fast at settling debts and I feel I deserve some justice. I had great credit before I signed up with XXXX XXXX and they destroyed my credit and now Im left with a horrible credit score. 

I was hoping to get some information on how to dispute these charges on my credit report to explain my situation and see if this can be fixed. 

Thank you, XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited a check for {$2500.00} via mobile banking at KeyBank. Before clicking to confirm the deposit a window came up and said any funds deposited would not be available until Saturday XX/XX/XXXX at XXXX XXXX and asked if I still wanted to proceed with the transaction. I clicked ok and finished the transaction. Saturday XX/XX/XXXX at XXXX XXXX  I tried to pay a bill online and my card was declined. I called customer service and found out they had put another hold on my account until XX/XX/XXXX. They would not take the hold off and they would not cancel my deposit. Had I known this was going to happen I never would have deposited the check there. They lied to me and it has completely destroyed me. I had a work deadline to meet and was counting on that money to finish. Now I have missed the deadline which has cost me thousands. How can this bank tell me one thing and do a complete other? It's ok for them to lie?
Product: Credit reporting or other personal consumer reports

verifying information electronically means checking if data is accurate according to a system or source, " validation '' implies a deeper level of scrutiny, often including assessing the data 's reliability, context, and source credibility, which might require additional steps beyond simply checking electronic records. Lexis Nexis claims to have verified my personal information about a bankruptcy from a court source " XXXX '' electronically basing it solely on information listed on a public site... XXXX have never filed a bankruptcy and any information listed is false... misleading and incorrect ... .I demand that this bankruptcy be deleted from my records. There is no way without committing aggravated identity theft that you can say without a doubt that the information that you have shared with all XXXX credit reporting agencies is 100 % accurate and completely true!! I demand VALIDATION of the information you are supplying about the bankruptcy or delete it immediately. The courts don't supply any third party with any information and who name the person that verified this with XXXX?? who is the person at XXXX/ the courts who verified the accuracy of the information being reported? court information is known to be false and misleading and therefore without XXXX you are also doing the same thing!
Product: Mortgage

XXXX XXXX  at Statewide Mortgage lying to clients and not returning phone calls, text or emails
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX is reporting a Authorize user account on my profile that I did not authorize and I need to have this removed from my consumer report immediately.
Product: Checking or savings account

my name is XXXX XXXX this is a complaint for wells fargo i have XXXX checking accts with wells fargo everyday and XXXX  wells fargo sent me letter stating that they will closing both accts on XX/XX/XXXX however to this date XX/XX/XXXX the accts are still open however wells fargo fraud dept has holds on these accts prevent me from access history transaction, on XX/XX/XXXX mt attrny wired transferred XXXX into my wells fargo everyday checking acct and i transferred XXXX to my wels fargo checking acct by XXXX the money was gone according to wells fargo however on my wells fargo prime checking acct statement for XXXX the balance according to the statement was XXXX howeve it was XXXX funds in both accts, wells fargo XXXX XXXX completed a claim for me resulting in XXXX being transfered to between both of these accts meaning if it is not in XXXX it should be in the other, i still have not received my XXXX check for this claim, all of my online bank transfers were transfers from XXXX wells fargo everyday checking to wells fargo prime checking acct, these accts are suppose to be closed meaning i will have XXXX yrs acces to my history transcation on all closed accts that is my right, i dont access because these accts are still open but have a hold on them preventing me from avcessing history transaction proving that wells fargo XXXX my XXXX settelment money in 30 days, and since these accts were never closed i am suppose to be receiving monthly statements i havent got XXXX since XX/XX/XXXX it is XX/XX/XXXX, i had over XXXX pending claims that wells fargo mishandled but i will submit another complaint for that issue, i want access to my accts and the hold remeoved also i had XXXX transfered from my prime checking acct to my everyda checking acct on dates XX/XX/XXXX through XXXX  i never received the money after completeing the transaction, and XXXX transfer from everyday to prime was taking out of my prime acct but never put in my everyday acct, that is why wells fargo do not want me to see history trasnaction through online services they cant alter those transcations
Product: Mortgage

My wife and I recently opened an Heloc account with USBank. When I went through the process of shopping this account I was sold on one feature. With this Heloc you had the ability to lock your draw for up to 10 years at interest only payments. At 10 years the principle would convert to an amortized principle & interest loan for up to 20 years to pay off balance. We were assured of this multiple times, even up to day of signing XX/XX/XXXX where our loan XXXX XXXX XXXX explained to my wife and I again that we could do this. He assured us we lock an interest only payment online, in person or by phone. He also told us we could do this up to 3 timesXXXX XXXX also increased our line of credit from XXXX that we requested to {$220000.00}, when we said we did not need that much, he said it gave us a better interest rate and he already did it. Fast forward to XX/XX/XXXX. I signed in online and tried to lock an amount at a variable rate and it would not let me. I emailed XXXX XXXX on the XX/XX/XXXX and explained what happened. He responded on XX/XX/XXXX I said I should be able to lock in interest only rates and he would assist. He later called me on the phone and assisted me and explained during the conversation it would be no problem and needed more time and would call me back. The next conversation was that sorry, can't do it. I added management to conversation and they told me after weeks of delay that they could only do 5 years, one time. This was an outright deception and they should be required to fulfill the guarantee of their representative. It was a bait and switch. Please help me
Product: Credit card

My wife and I have XXXX  credit cards through Barclays and for the last 2 months we have sent check payments via USPS 12-15 days before the due date, but yet the didn't post the payments until after the due date, charged us a late fee, and even shut off our cards. After talking with them over the phone and explaining that we had mailed the checks with plenty of time for them to get there before the due date, they took off the late charges, and tried to get us to let them take their payments directly from our bank account. We have never had a late credit card payment before, and our credit score is in the high 700 's, but has come down from XXXX due to Barclays stalling our payments in order to place a late fee on our last 2 payments. 12-15 days in the mail should be plenty of time to get our mail and is plenty of time for all our other credit payments. Barclays is the only one we are having a problem with and it seems to me that they are deliberately delaying our payments in order to do away with paper payments and take money out of our bank account. They also tried to XXXX us out of our reward points from XXXX credit when they were XXXX and switched to Barclays and they were supposed to honor the accrued rewards from XXXX. We had to fight to get the rewards before they would apply them. When XXXX made the switch, Barclays automatically gave us a Travel Rewards card when we were supposed to get the option between that card and the Essential Rewards card which pays rewards for medicine and groceries that was much more useful for us. We had to fight to get our optional card. Not happy at all with the way Barclays is treating us.
Product: Debt collection

I had a second mortgage with XXXX  XXXX XXXX. I was in the process of refinancing the mortgage. XXXX XXXX XXXX sold the debt to XXXX XXXX then that company sold the debt to Specialized Loan Servicing. The company started putting notices on my door saying I owed them a debt. A person would come to my house, tape a letter to my door then take a picture. They would also have people say they were inspectors taking pictures of my home to foreclose. I mailed a certified letter to Specialized Loan Servicing on XX/XX/XXXX. They signed for the letter on XX/XX/XXXX. I have the receipt and a letter back from them. Their letter states that my case is under review. In my letter, I asked Specialized Loan to provide me with the documents for the loan with my signature and the information for the loan. I asked Specialized Loan to verify the debt. I asked for the name and address of the original creditor, the account number and the amount owed. I waited for them to provide me with the information I requested in my certified letter. On XX/XX/XXXX, I sent another certified letter to Specialized Loan Servicing. They signed for it on XX/XX/XXXX. I informed them that they have failed to follow state and federal timelines. I informed them that they must stop contacting me, remove anything from my credit report and stop taping letters to my door. I informed them that sending a bill is not proof of a debt. I asked them to provide the method that they used to verify this account and what method did they use to make certain that the account was accurate. I provided them with the Michigan Attorney General timelines via a website link. I never heard from them regarding my request. They only send out bills. I recently received a letter from them stating that I was in default and their intent to foreclose on my home. XXXX  XXXX XXXX was not my first mortgage. They were the second mortgage. Specialized Loan Servicing is requesting {$5100.00}. Their request isn't for the loan they feel I owe. They are requesting what they want in fees. They have stated that if I don't pay by XX/XX/XXXX, they will be foreclosing.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to XXXX XXXX and Transunion. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX and Transunion and 30 days Non Response to XXXX. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to XXXX and Transunion. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to XXXX, Transunion and XXXX. The three credit bureau continued to report this Unverified Account. 

At the same time I sent 4 dispute letters to XXXX XXXX XXXX which the first 3 letter were sent certified. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter stated We have completed our investigation of your dispute concerning this account and included a copy of a billing statement. XXXX XXXX XXXX continued to report this Unverified Account. They failed to validate the account and provide me with any contract or agreement that I signed.All they have sent is letter saying this a valid debt and a billing statement. 

XXXX XXXX XXXX, XXXX, Transunion and XXXX   needs to be held accountable for their misleading, false reporting and lack of a investigation. 

XXXX, XXXX and Transunion has NOT provided me with who verified these accounts? 

a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be  verified. 

XXXX XXXX and Transunion has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws. 

All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated.
Product: Checking or savings account

CITI Bank is holding my money on no grounds! They stated that my account is closed but then took my work check and will not release my funds. CITI BANK doesnt have a branch anywhere in the USA and no one can understand me. Please can someone help me.
Product: Mortgage

I've had a mortgage with Bank of America on a secondary home in California since the original purchase of the home in XXXX. A couple of years later I established a line of credit on the same home with XXXX XXXX. Given today 's low rates, I decided to contact Bank of America for a refinance of the mortgage ( XX/XX/XXXX ). 

A few weeks into the process, I noticed that one of the conditions of the refinance was to pay off and close the XXXX XXXX line of credit. After noticing this, I raised a flag and clearly stated to Bank of America that I would like to pay off the XXXX XXXX HELOC but would like to maintain the account open as I use it frequently ( I emailed BofA on XX/XX/XXXX ). 

The BofA loan officer, stated that it was possible to keep the XXXX XXXX HELOC open, but that it would be better to close it, and once the refinance process was complete he would apply for a new HELOC at Bank of America. Since the rates were the same, the process would be smooth, and there were no fees of any kind, I accepted the suggestion. ( XX/XX/XXXX ) The closing for the refinance happened on Tuesday, XX/XX/XXXX. I immediately emailed the loan officer and informed him I would like to now proceed with the HELOC at Bank of America. I did not hear anything until XX/XX/XXXX. 

Once I finally received a response I was informed that I can no longer apply for a HELOC with Bank of America because of COVID-19. 

Because of the loan officer 's sales pitch, I agreed to close the XXXX XXXX HELOC and to consolidate everything with BofA. But now I don't have my original HELOC with XXXX XXXX and BofA is no longer willing to help me.
Product: Checking or savings account

My card was put on file for a XXXX subscription and the company automatically charged me one of the highest subscriptions with no warnings. I did not put my card on file as far as my knowledge so this charge caused my account to go negative and I need it reversed.
Product: Debt collection

I had 3 debts charged off in XXXX due to financial hardship. Portfolio Recovery Associates all 3 accounts which were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I disputed all debts through the credit bureas process since the debts were charged off Portfolio had no legal way to recover the debt. Unfortunately it did no good and couldnt get Portfolio to stop calling and harassing me about the accounts. Portfolio Recovery has these accounts on my credit report even though they have been charged off. In XXXX I was able to pay of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX still is collections with Portfolio Recovery and I still get phone calls about it. 
Heres the information on the accounts. 
XXXXXXXX XXXX XXXX XXXX charged off in XXXX amount {$3000.00} XXXXXXXX XXXX XXXX XXXX charged off in XXXX amount {$1000.00} XXXXXXXX XXXX XXXX XXXX  charged off in XXXX amount {$3900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS.15 U.S.C. SECTION 602A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C. SECTION604A SECTION2 IT ALSO STATES NO CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Account : XXXX  ( XXXX ) I am writing to formally dispute inaccuracies on my credit report which are in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). In particular, these inaccuracies pertain to reported late payments that should be reversed to reflect " Paid as Agreed. '' Per 15 U.S.C. 1637b, credit reporting agencies and furnishers are obligated to ensure the accurate reporting of consumer credit information. The inaccuracies in question are clear violations of this statute, as the information being reported does not accurately reflect my payment history.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to address this issue. The reported late payments must be promptly corrected to show " Paid as Agreed '' to ensure compliance with 15 U.S.C. 1637b and to protect my consumer rights.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + XXXX + Hunter Warfield, On my XX/XX/2022 it says there is a collection account from HWARFIELD- not only do I not know whom this creditor is- they have re-aged this collection account which is a violation of FCRA compliance. 

Attached to this complaint are : - drivers license - social security card - address - written complaint + screenshot from credit report where its located I demand this account, which does not belong to me, and has been illegally re aged, be removed from my XXXX credit account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is open, yet you report it as closed. You have stated, falsely, that it is Transunion, XXXX  and XXXX, who are to blame. You've told me that they only update my information every XXXX, XXXX, or 90 days, which is a lie. They've contacted you with disputes, which you responded to, with fraudulent information. You lied and said, yes, the account is closed.
Product: Credit reporting or other personal consumer reports

Over the past year I have been trying to get an accurate credit file. I had no response from XXXX other than " verified '' without any proof, so in XXXX and XX/XX/XXXX I sent multiple Affidavits and Notices by certified mail stating the incorrect addresses, names, and accounts that are reporting in error and are not associated with me. XXXX has ignored all attempts to correct my credit report and are violating 15 UCC 1681, 15 UCC 1681b, 15 UCC 6802, 15 UCC 6805, as well as the 1974 Privacy Act. By continuing to report these accounts that are not mine, incorrect, or sold ( a sold account is now income for the company and can not be reported on a credit report ) - XXXX is guilty of racketeering, mail fraud and violating the RICO Act of 1970.

UCC 1-308 Without Recourse