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

I've tried for close to a year now to validate the alleged debts Equifax continues to claim verified and falsely leave on my credit report. I have written request to validate letters to the address they have on my credit report and my mail comes back to me as undeliverable. I have tried to call the XXXX number listed for them as well and it is a complete spam number that leads to someone in XXXX. I have attached screenshots of my credit report with the information they have reporting as the contact information for the US DEPARTMENT OF EDUCATION. This has been an ongoing issue with Equifax to properly address my concerns and I have frankly been an emotional wreck. I can't sleep or function because my brand and character are being negatively impacted by this false debt being attached to my credit report. I am demanding once and for all as a federally protected consumer that Equifax REMOVE THIS false claim before civil litigation is pursued. Equifax states this information is accurate and true, updated every month but it isn't. As a credit reporting agency they are completely violating the Fair Credit Reporting Act and emotionally destroying a consumer.
Product: Mortgage

We requested a payoff statement from United Wholesale Mortage in XXXX. Multiple versions were completed to account for a large payment made on XX/XX/2023, after multiple phone calls to credit the payment correctly. The principal payment was placed in suspense and not applied to the principal as required by law and our agreement. Two supervisors from UWM told me that making a large principal payment will not reduce the interest payments, so I did not need to worry about when the principal payment was applied. My mortgage broker was also on the line when one of these false statements was made. 

On XX/XX/2023, we received a payoff statement with the large payment applied correctly, but the balance of our temporary buydown suspense was not applied as required in our agreement. I called UWM and notified them of the error on XX/XX/2023, and was told a correct payoff statement would be sent by XX/XX/2023. On XX/XX/2023, I called UWM again and informed them we have not received a correct payoff statement and was told it should have been completed and would be completed on XX/XX/2023. We have still not received a correct payoff statement. 

The UWM supervisor I spoke to on XX/XX/2023, stated we would have to call and make an additional request from the special products group to receive a correct final payoff statement before we close on our refinancing. We should not have to make multiple phone calls and wait weeks to have a correct payoff statement for refinancing. UWM continually makes mistakes that benefit UWM including false payoff amounts and attempting to hold a large principal payment in suspense.
Product: Mortgage

When I am late on my mortgage payment to Wells Fargo I have in the past added the late fee, which is {$25.00}, so that I am current. For the last 3 years I have had to battle with them to get them to record this as a late fee instead of subtracting it from my loan balance. When they do that they say I owe the fee and it just piles up. I call them to tell them to fix it and all I get is it will be done but it rarely gets fixed. They say I owe {$200.00} now in late fees but the truth is I owe only about {$75.00} because I quit making those payments when I realized nothing was getting done. I have been into the branch to make my payments and told them to make sure that it gets credited as a late fee and still when I get my notice the next month it is still showing I owe the fees. I can not be the only one this is happening to.
Product: Mortgage

Constantly submitting documents for a loan modification. 
We have submitted at least 10 modification full packages and each time there is a different story of needing more documents. We need our home for our children.
Product: Credit reporting, credit repair services, or other personal consumer reports

This attachment was sent to Experian on XX/XX/2018 received signed by certified mail XX/XX/2018. The first sentence on the letter reads THIS IS NOT A DISPUTE however Experian disputed the information and stated the information was accurate. I asked for the CONTRACTS bearing my signature verifying ownership of the alleged accounts. I asked for names and phone numbers of individuals verifying the accounts from XXXX XXXX. It has been almost 2 months and I have received nothing from Experian. Experian used XXXX to perform a unrequested dispute. Please evaluate my complaints and consider a class action lawsuit against Experian. I have provided evidence that I am not the only one enduring this frustration.
Product: Credit reporting or other personal consumer reports

My credit repair specialist has sent in multiple documents to XXXX, Transunion, and XXXX as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of XXXX, Transunion and XXXX about their unethical practices at their companies. On XX/XX/XXXX, there was a CFPB complaint sent in. This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. I filed with the CFPB again on XX/XX/XXXX. This is my last time doing this and I will sue all XXXX companies. Everything that I have ever filed will be attached to this complaint for proof. Additionally, there have been new things added to my credit report that do not belong to me. What will it take for the credit bureaus to stop allowing false accounts to be added to my report?! 

Personal Information needs to be updated : Name : XXXX XXXX ( no middle name or initial ) THIS IS THE ONLY NAME THAT SHOULD SHOW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS THE ONLY ADDRESS THAT SHOULD SHOW ) Accounts that are STILL reporting, that need to be deleted : XXXXXXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX  # : XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Accounts that need to be updated. The late payments are inaccurate! 

XXXX XXXX XXXX  # : XXXX LATE PAYMENTS Shown are inaccurate. I've also contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # : XXXX Late Payments - I have also contacted the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # : XXXX Late Payments - I have also contacted XXXX XXXX XXXX XXXX Self with no help in return. 

XXXX XXXXXXXX XXXX XXXX  # : XXXX Inaccurate Late Payment XXXX XXXX XXXX  # : XXXX  Inaccurate Late Payment
Product: Debt collection

I have been receiving repeated phone calls from the company Central Portfolio Control Inc . I received a phone XX/XX/XXXX stating that I owed a debt on a XXXX XXXX and needed to make payment or setup a payment plan right away. If I did not do so then I would be sued or my wages garnished. I however refused a payment as I am still unaware of the collection in question. I was never sent any information regarding the said debt from the original debtor or from CPC. My spouse is now receiving phone calls to his place of business with the same threat : If I do not pay the debt they will garnish my wages. Latest phone call was -XX/XX/XXXX at XXXX XXXX. I am aware that the debt in question is well out of the statue of limitations. The threats and harassing phone calls made to my spouse 's place of employment are unlawful. The threats and phone calls made to my personal cell phone number are unlawful. The CPC has not provided any hard copy proof of the said debt in collection : I have no judgement or collection on my recent credit report - printed XX/XX/XXXX : nor have I ever received any information or contact from the original debtor.
Product: Checking or savings account

On XX/XX/2023, a parent on my youth XXXX XXXX sent her payments for her XXXX and XXXX XXXX to my account via XXXX. The XXXX fee was {$90.00} and the XXXX XXXX  fee was {$75.00} and both sent to me the same day but 2 different transactions. Wellsfargo was notified on XX/XX/2023 by XXXX XXXX that the transactions were fraud. I advised Wellsfargo that the transactions where not fraud but they suspend my account XXXX token. Wellsfargo advised me to notify XXXX that she must cancel the fraud claim with her bank and once that done then my account restrictions would be reinstated. I spoke with XXXX and he stated that there is nothing he can do and he would not advise me of XXXX account. As for a supervisor and they stated no one is available and sent to escalation line. He stated that there is nothing to do with the claim and provide me with no way to help me.
Product: Checking or savings account

On XX/XX/2019 I went to the Chase branch on XXXX in XXXX XXXX, MI to obtain a copy of my checking statement. I found myself outraged that my statement cut-off is XX/XX/XXXX so I have to wait an entire month in order to provide a copy of transactions to another institution. The branch alleges they no longer have the capability to print my statement nor can I print statement information after the cut-off date. Why, not? I utilized the ATM via debit card to obtain a copy of my receipt which displays the last 10 transactions. This action didnt denote if a transaction was an ACH or give a running balance. I cant provide another institution a screen shot which is the only option Chase left me with. How can I handle business that requires a statement if I have access to a certain portion of my account regarding dates. 
Its fine if Chase doesnt want to print the information. However, to take away my right and control to manage my account is unacceptable. In addition to, not providing any alternative resolution such as an interim statement that can show my posted transactions after cut-off. Allow me the option to select certain days after statement cut-off. Yet, to force a customer to wait a whole month demonstrates a lack of understanding on Chase behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report XX/XX/XXXX and noticed that I had a lot unauthorized inquiries on my report. I called the inquirys directly and was and advised to call the credit bureaus. I called XXXX and XXXX and had no issues. When I called TransUnion they said they could do nothing to help. When I asked why they told me I would have to contact the inquirys directly. I told them the inquirys told me I had to go through the bureaus because they couldnt do anything so I needed a different solution. TransUnion told me they could do absolutely nothing nor was there a supervisor or anyone for me to talk to. 

The inquirys that were unauthorized were XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

I called JpMorgan bank to request a day of when my funds would be sent out to me. They lady told me no date. Just that they are trying to reach somebody else. it's already been over 45 days of my account closing. After 90 days I'll have no option but to take JpMorgan to court.
Product: Credit card or prepaid card

Wells Fargo ripped me off with their company operating as XXXX XXXX
Product: Checking or savings account

I opened an account with chase using a bonus coupon of {$200.00} I received in the mail for opening a new checking account with chase. I opened the checking account on XX/XX/2019 and met all of the requirements to get the bonus. I set up a direct deposit of at least {$500.00} to enter into the account within 60 says of opening the account. I never received my bonus. I contacted customer service and they said that my bank teller, XXXX XXXX, never uploaded the bonus voucher to the account. He took it to the back along with my {$25.00} deposit to open the account so I do not have a copy of it. I contacted XXXX XXXX on XX/XX/XXXX via email, but he was on vacation until XX/XX/XXXX and I was told that I would be contacted back when he returned. I called again on XX/XX/XXXX because I hadnt heard back yet and he said that he was looking into it and he apologized for not returning my email and that he just got back from vacation. On XX/XX/XXXX, I emailed again about an update & never received a response. I called on XX/XX/XXXX at XXXX & XXXX was in an appt, but she took my name and number and said XXXX would call back in about an hour. Its XX/XX/XXXX & I havent received an email or call yet.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX have illegally taken my public records regarding my XXXX XXXXXXXX and XXXX XXXX Bankruptcy Court Cases and have put them on my Credit Reports. I reached out to all three Credit Bureaus to request them in both writing and over the phone to remove the Bankruptcys from my Credit Reports by filing disputes. They refused and said they received my public records from the US Bankruptcy Court, XXXX and XXXX. I have reached out to the US Bankruptcy Court and XXXX and received a response back from them stating they do not report and did not report my Bankruptcy Court Cases to XXXX, XXXX or TransUnion. 

I followed back up with XXXX, XXXX and TransUnion with variable information from the US Bankruptcy Court Letter to me and from XXXX that says they did not give the 3 Credit Bureaus my Bankruptcy Court Case information. My rights to privacy and to safeguard my privacy has been violated and published illegally on my 3 Credit Reports and the 3 Credit Bureaus are refusing to remove them. I told them I will file a CFPB Complaint if they still chose not to remove them from my Credit Reports. 

They have not been able to provide me with proof and verified documentation of how they obtained my Bankruptcy information. They only lied on the US Bankruptcy Court and XXXX. They are violating FCRA Consumer Laws. 

XXXX and XXXX also illegally received and reported my Bankruptcies to the 3 Credit Bureaus and are refusing to remove it.
Product: Debt collection

I have reached out this Debt Collecting Company I mentioned that I do not acknowledge this debt that they are making efforts collecting on. 
I requested a Validation of debt. 
They mentioned they have no validation of the debt they are collecting on and asked me to provide proof to them that the debt isn't mine that they are making attempts to collect on behalf of a creditor. 

However they are in violation of Utah Code Law. That clearly states that need to provide validation of debt in order to make attempts to collect debt. 

There is lots of inaccuracies with reporting This collection company is inaccurately reporting information to credit bureaus that is affecting me negatively and has costed me lot of money. Along with that it has hurt my ability to obtain new accounts such as mortgage and has affected my credit rating. 

I now demand that this information be removed if they are not able to provide validation of debt immediately so my credit report is accurately being reported to the credit bureaus.
Product: Checking or savings account

NSF CHARGES {$29.00} I have overdraft fee protection but it doesn't work
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to this company, WELLS FARGO XXXX XXXX, on XX/XX/2021 to cease and desist communication with me. They replied saying they would cease communication in regards to " account ending in XXXX ''. However even after receiving this letter they have harassing me by calling me at all hours of the day and stressing me out. They are continuing to communicate to the credit reporting agencies and damaging my reputation. I never gave this company permission in any form to communicate with me. Yet they still are communicating to the credit reporting agencies and both directly and indirectly communicating with me. I stated in my Cease & Desist letter that I did not authorize them to do so. It has been very stressful for me because I'm in the process of purchasing a home and this account on my credit report is not legally suppose to be there. The FCRA has afforded me legal protections from predatory companies like WELLS FARGO XXXX XXXX and I would like them to follow the law and remove this account from any and all credit report agencies.
Product: Student loan

I have no knowledge of this Dept supposedly opened on XXXX XXXX, 2016 in the amount of {$7700.00}
Product: Checking or savings account

I have a small business checking account for my real estate brokerage with Bank of America for over 25 years. In the last couple of years my business has been very slow and I have not been making large deposits. In XXXX of this year I had a closing and had no problems making the deposit and having it clear. This XXXX I made a larger deposit because the sale was for a larger transaction. - Unfortunately, the title company made out the check to a slightly different company name - Instead of XXXX XXXX XXXX it was made out to XXXX XXXX XXXX which is the name of a different company in a different city in my state. Despite I stopping in person and the branch manager informing me that was the most likely reason the hold was kept for 10 business days! It cleared the title company 's account the next day- which the title company verified for me. Despite me telling them that the check had cleared the issurer BOA did not lift the 10 day hold and I was told by their customer service department that NO ONE at BOA had the authority to lift the hold! I tried 2 different times and escalating both times. No one could help and no one cared. Needless to say after not having a sale in so many months I had bills that were past due and personal loans that needed to be paid. I had another commission check deposited today for under $ XXXX and again I come home after making the deposit at a teller at a different branch with the message that they thought the check was going to be returned by the XXXX XXXX XXXX XXXX XXXX and the hold was put on it! I just don't understand how they can get away with this. Checks in that account are usually from Title companies, HOA 's, or when I had them landlords for services that my company had done for them. I never had issues like this when I was making more deposits and real estate was fairly good. I have never had a large account since real estate comes and goes in cycles. I just don't understand all these holds from funds that are as good as they come since Title companies get wired funds from lenders and/or homeowners wired to their accounts to fund the transaction. I will be calling customer service again and being told the same thing- we can't do anything once a hold is placed on a check!
Product: Credit card

I have an account with Capital One that was charged off on XX/XX/XXXX, with a balance of {$470.00}, as confirmed by Capital One in their correspondence. After the charge-off, I noticed that Capital One continued to report late payments on the account until XX/XX/XXXX. Late payments should not have been reported after the charge-off date, as the account was no longer considered current at that time. 

The account was transferred to XXXX XXXX XXXX XXXX on XX/XX/XXXX, but was returned to XXXX XXXX XXXX Department on XX/XX/XXXX. Despite the account being charged off in XX/XX/XXXX, late payments were continuously marked on my credit report up to XX/XX/XXXX, which I believe to be inaccurate. 

Additionally, the balance of the account was paid in full on XX/XX/XXXX, which should have resulted in a XXXX balance. I am requesting that Capital One review this account and correct the reporting, removing the late payment marks beyond XX/XX/XXXX and accurately reflecting the XXXX balance as of XX/XX/XXXX. 

I am providing the correspondence from Capital One that confirms the charge-off date in XX/XX/XXXX for your reference.
Product: Money transfer, virtual currency, or money service

All money taken without consent that was reported was not received
Product: Debt collection

This company is trying to collect a debt on charges they allowed to run up after being notified that my pet passed away. When I spoke to them they told me that they would update their records but I still had to pay them for care on my deceased pet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my credit report highlighting the fraudulent inquiries on my credit report along with a POLICE REPORT and sent it on XXXX XXXX. Transunion received my dispute letter within a week and never reached out to me or my creditors. i called Transunion on XXXX XXXX XXXX to ask about this dispute and was told that the police report will not do anything to remove the fraudulent inquiries on my report because the police report will need to list out every single inquiry that should be removed, ( i can not go to the police station and tell that ). i was always told that if i get a police report then the inquiries will be removed. Another problem is that i submitted a dispute about a late payment from XXXX XXXX bank and was told by the agent that they received it on XXXX/XXXX/XXXX and i was never informed and the credit took more then 30 days to reply, and Transunion had 2 files opened under my name ( I was told that by the agent on XXXX ). i believe that if a dispute takes longer then 30 days then it should be removed from my report.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the folloeining items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number XXXX Inquiries : 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