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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXI XXXX Balance {$0.00} Bankruptcy XXXX XXXX XXXXXXXX Date Filed XX/XX/2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$1.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for a XXXX XXXX XXXX XXXX I did receive ; however, via XXXX XXXX, a suggestion I apply for the XXXX XXXXXXXX XXXX XXXX  as I had a high chance of approval and the subsequent approval and issuance of the XXXX XXXX XXXX could improve my credit score. 

I DID NOT APPLY FOR THE XXXX XXXX XXXX XXXX I AM NOT CLEAR IF XXXX XXXX OR WHO/WHOM SUBMITTED THE APPLICATION FOR THIS CREDIT CARD ON MY BEHALF. 

I DO RECEIVE PRE-APPROVAL OFFER LETTERS FROM XXXX XXXX XXXX XXXX  ON A WEEKLY BASIS STATING I AM PRE-APPROVED FOR THIER CREDIT CARD. 

I IGNORE EVERY LETTER THEY SEND TO ME AS I DO NOT WANT THE CREDIT CARD.
Product: Checking or savings account

I had an account with Revoult for a year now. Randomly they shut down my account and told me to withdraw. I have {$440.00} in their robo-investing account and they will not allow me to withdraw it.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit reported and noticed that XXXX and XXXX are still reporting XXXX XXXX XXXX which is a charged-off debt to my account after two attempts to resolve this matter. I contacted XXXX and XXXX in XX/XX/XXXX XXXX  and XX/XX/ and have yet to receive any update. 
Furnishing discharged debt, which is now being claimed as taxable income is violating my consumer rights, specifically 15 USC 1681E ( B ). XXXX and XXXX have not done their due diligence of reporting maximum accuracy to my credit profile. Income CAN NOT BE REPORTED to one 's credit report. I have requested that information be removed as I have been issued my 1099c form. I would like to resolve this amicably.
Product: Credit reporting or other personal consumer reports

On my experian credit report theirs a negative item called XXXX XXXX has a balance of XXXX it supposed to be removed from my credit report I filed a federal trade commission identity theft report on file its a fraud account my social security number is XXXX and the three hard inquiries are fraud too
Product: Payday loan, title loan, or personal loan

It shows in my credit report that I owe XXXX XXXX {$25000.00} that I NEVER applied for it and Never received, although I have never received any info or requests from them all of the sudden very suspiciously it shows I owed them that amount from XX/XX/2016. I spoke to someone in customer service that had no idea what she was doing, completely clueless said the TEAM '' will get in touch with me of course they have NOT. I have sent them many emails they do not answer, finally they send me an email that says LOG IN to my account, which I DONT KNOW what they are talking about since I do not have accounts with them, and send them my name birth date phone number which I did and still they have not answer. This co is a SCAM do not answer back, do not show the documentation or disbursement of funds and they are ruining my credit.
Product: Checking or savings account

Dear Ms XXXX XXXX Wells Fargo Bank thank you for your letter unfortunately it contained no legal evidence from your Bank to prove your claim. Evidence I have been requesting from Wells Fargo Bank for the last four months since this case was brought to the CFPB. If the bank has transferred my fathers estate legally then the bank should not any problems to send me my lawyers and the CFPB the legal documents you used to transfer this estate. If the bank does not wish to send me these documents on the Wells Fargo secure email then please send them here it does not get any secure than the CFPB website. The bank is kindly requested to present the following documents so I can close this case and spare me two lawyers fees and to take the bank to court. The documents are as follows the name of the beneficiary entitled to this estate. The original death certificate you received from XXXX notarized by both the XXXX Government and the US Embassy based on it you transferred this estate. The original signed XXXX form with both signatures signed by my father and the beneficiary. The date of the estate transfer. The Oregon tax returns you filled to transfer this Estate. Please send me and the CFPB these documents to review and to close this case. If the bank will not prove the legal transfer of this estate then I will continue with the legal proceedings thank you for your understanding. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently contacted the company XXXX and Experian about fraudulent activities I recently discovered on my profile that they have control over. I contacted them and let it be known that this activity had occurred and that I had several accounts that needed to be disputed as well as my address along with my name on the profile as well. I have also tried to dispute directly thru the company website but I can seem to reach any accomplishments. On XX/XX/2023, I was able to dispute one item. once I checked my profile all other negatives has been updated. I've Furnished documents such as identity theft reports along with ID verification uploads for addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with XXXX incorrectly reporting to the 3 credit bureaus that I have missed up to 9 payments. Then when I call and speak with them, ( 57 times in the last 8 months ) they tell me they have not reported anything. I have paperwork from XXXX proving that I have not missed ANY payments, yet they are reporting that I've missed up to 9 payments. This has caused me to receive multiple rejection letters that explicitly list the XXXX missed payments as the reason for denial of credit. The last time I spoke with XXXX  they told me after all this time that I'm supposed to mail them a special form, that I can only get from them, in order for them to do what is REQUIRED BY FEDERAL LAW. I am still waiting on that " special form '' to be e-mailed to me. Over a week now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft. Please Delete these items immediately. I have reached out to all creditors to let them know as well.
Product: Mortgage

I was notified in am email on XX/XX/XXXX that Bank of America would be updating their home loan system between XX/XX/XXXX and XX/XX/XXXX. After XX/XX/XXXX everything was supposed to be finished and I should have been able to access my account. As of XX/XX/XXXX I was still unable to access my account as it had been removed from my user account profile, so I sent them a message to ask what was going on with the account and if there was something that I needed to do on my end. On XX/XX/XXXX I received a reply back from them informing me that my issue would be best resolved if I contacted them by phone. I called the phone number provided and was informed once I got into the queue that the wait time would be over 90 minutes. This is an unacceptable amount of time to wait to have this issue addressed. I wrote them in the first place, so I did not have to wait an eternity on hold only to get dropped part way through the call, which I did.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX & XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit card or prepaid card

I had an XXXX XXXX XXXX for years and used this card very often when planning and booking trips. In XXXX, XXXX, I booked a trip to South Carolina for travel in XXXX, XXXX, for my Husband and I through XXXX and charged my airline tickets on my XXXX XXXX. Shortly after the purchase, I received notice that the XXXX XXXX XXXX was going to be discontinued and that would mean my XXXX XXXX XXXX would be closed and a new XXXX XXXX would replace it and any balance on the XXXX XXXX would be transferred to the new XXXX XXXX. However, I had a XXXX balance so obviously no balance was transferred. We went on our trip in XXXX, XXXX. However, due to a cancellation of flights, XXXX XXXX refunded a portion of our airfare. When speaking to XXXX XXXX, they said they would only refund my money to the original form of payment which was my XXXX XXXX which, by then, was closed. My refund was completed on XX/XX/XXXX. A few weeks later, I called the number on the back of my new Comenity card to find out why the refund was not credited to my account. Through the months ( going on 4 months ), I've spoken to at least 8 customer service representatives and 4 or 5 supervisors ( some very rude ) but NO ONE could help. They all said they would put through a " dispute request '' when several were already. The supervisors I spoke to saw the charge I made in XXXX on my XXXX card but can't find the refund. On one call the representative asked if I could upload supporting documentation of the airline 's refund which I did while on the phone with her.

The amount of a refund of {$680.00} that is suppose to be credited to my new XXXX XXXX. 

If you would like to discuss this further or need additional information, you can reply to my email or contact me on my cell phone at ( XXXX ) XXXX. 

I look forward to hearing from you and a quick resolution in this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I have an account with Barclays Bank. 

I was on a balance transfer promotion with 0 % APR. Under the promotion, Barclays would quote the amount that needed to be paid each period to avoid paying interest. For every monthly statement period while under this promotion, I paid at least the amount quoted that would prevent me being charged interest. On my statement ending in XXXX, I was instructed to pay the amount of {$3700.00} to avoid paying interest. This amounted to the full statement balance. I did so by the due date. 

Despite this, I was assessed interest on the arbitrary amount of {$2700.00} at my purchase rate. I reached out by secure message online to Barclays to have this explained. They claimed that residual interest is assessed when attempting to pay off a balance transfer in full. This would appear to contradict what is written on their statement as the amount required to be paid each month to avoid interest. 

Further follow up messages from me to Barclays were ignored and not responded to. As such, I am reaching out to the CFPB for assistance as I believe that either a mistake was made by Barclays that should be rectified, or that deceptive conduct has been engaged  in.
Product: Student loan

I signed up for recurring ACH payments to take care of my perkins loan balance on XX/XX/XXXX. the XXXX XXXX confirmation # is Heartland ID : XXXX. 

These payments proceed without issue until my final payment. Heartland cancelled my recurring payments without my authorization and without notification a year and a half later on XX/XX/XXXX. 

My final payment was never deducted, I was not notified of an outstanding balance, and I was eventually placed into collections in XX/XX/XXXX. I was only made aware of an issue when I applied for a mortgage loan and was told there was an outstanding collection balance and late payments bringing my credit score down with XXXX XXXX. 

I attempted to rectify the situation with the servicer who told me that they tried to call me once the payment wasn't received and left a message. I obtained my phone records for the time that they claim and there is no record of a missed call, a received call, or voicemail from them on that date, or any other date. 

I inquired why my recurring payment was stopped, and I was told it automatically cancelled after a year which is inaccurate because they have almost a full year and a half of payment records from me on a recurring agreement. 

I believe there was some sort of clerical error within XXXX XXXX and instead of taking ownership, they are blaming me. 

I have phone records, and I have recurring payment enrollment receipts showing I made every attempt to pay this debt off in good faith. There is no verbiage on their website, or within my registration receipts that substantiate a claim of only 1 year term on the recurring payment structure. 

I have paid this in full, but due to their clerical errors would like the erroneous reporting of a late payment and collection removed from my credit reports.
Product: Debt collection

I have been sued with no paper service, found guilty by default ( because I did not know about a court appearance ) and have had and continue to have XXXX dollars garnished from my wages for debt that I am not sure is even mine. The amount garnished ( over {$400.00} each XXXX week pay period ) barely leaves me money for bills and groceries. It always seems to Miller and Steenos that are collecting these. I do n't have a clue about any of this until I get a notice from HR that another garnishment is in effect. Once they get a judgement they seem to continually find more, real or otherwise. Any help will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this.Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I had a XXXX XXXX XXXX that was returned to Kia in XX/XX/XXXX, and another lease was started for my XXXX XXXX XXXX. At the dealership, I was told that all payments made that day would include last payment for XXXX XXXX as well as first payment for XXXX XXXX. Four months pass, and my credit score drops around 70 points. I see that I have late payments for the XXXX XXXX XXXX account because the last payment was not made. Unable to clarify with the Dealership and Kia motor Finance, I decide to make the last payment at that time and close the account. However, there continues to be an {$18.00} balance from Kia Motor Finance on my credit report. Everytime I call Kia motor finance, I get a different answer saying they don't see it on their side, another agent sees it and says he will contact the credit agencies, and another agent today says I should be " thankful '' my credit report shows {$18.00} because to her, it shows {$16000.00} and that the dealership never processed the car as returned. There is absolutely no transparency in Kia and never a clear answer to their mistakes. I called the dealership and conveniently, the manager and agent that sold me the car are fired, and still have not been able to settle the issue with Kia.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX I sent a wire transfer of {$4000.00} to Coinbase Inc. As of today XXXX/XXXX/XXXX my money still has not been allocated to my account. I have contacted Coinbase on a daily basis only to receive no update or information. I have had a case created and escalated 10 times to be told there is a hold on my account. No employee can tell me what the hold is for or where my {$4000.00} is. I have verified my account 10 times and am not able to get an answer on where my wire is or when my funds will be available. I am not able to get any answers and need help!
Product: Money transfer, virtual currency, or money service

PayPal without notice nor explanation closed my account, first claiming I violated their terms of use, and then later telling me that I was a high risk of fraud. The cryptic responses continued to talk about refunding buyers but thats not how I used this account. I sold nothing for which a refund would be due. 
As Ive been an identity theft victim, including through their platform, I should be able to know basic information when such immediate and drastic action is taken. If they know something I dont, then speak up. 
Their customer service is universally bemoaned as abysmal, and for good reason. Im shocked this companys practices arent illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my XXXX credit report and noticed that you are reporting inaccurate information as a result of identity theft- in the Accounts with Adverse Information section. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

Account Name Account Number Balance XXXX  XXXX XXXX {$550.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} You are required to do what I am asking ( Title 15 U.S.C. 1681c-2, a1-4 ) and block this transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed, mailed and uploaded my disputes. I went to police and got a report, and I filled out the FTC as I was told by all three bureaus now that I have done all that and I spent money to send my disputes certified mail. I get no response. I called Transunion and they said I needed to get their credit monitoring service and that would ensure I could talk to a person and they made me feel like if I pay for their service they would remove the fraudulent items. They are not the only ones the other two bureaus did similar things all wanting me to pay {$25.00} a month in order for them to follow the FCRA. This isn't right and I am hoping the CFPB can correct the bureaus.
Product: Credit card or prepaid card

I had a secured credit card with Wells Fargo from XXXX to XXXX. Only recently did I find out that they were reporting on the 3 credit bureaus as if I currently had an account with them. 

I reached out to Wells Fargo on several occasions about this and each time I am told they have no record of me in their systems. 

On XX/XX/XXXX I wrote a letter and went into the branch to have it faxed. I also wanted to inquire on whether or not the funds from my secured credit card were returned to me. 

It is difficult for anyone to find out due to the fact that they can not find any record of me having an account with them. 

I do not owe Wells Fargo any money and closed the account on my own admission.
Product: Mortgage

Hi, I had applied for a loan modification through Chase Bank for my mortgage held by XXXX XXXX XX/XX/XXXX. I have had several SPOC ( single point of contact ) and been in touch with executive office as well as escalation department. This application was denied and I have since sent in a new application per advise from the executive office. I am having extreme trouble getting the correct information to help me with the process. Everything from, no phone calls and return calls from my SPOC, executive office, to verbal miss information about my modification qualifying or not. I could not get a solid answer of why I was denied. I was told I could n't get a modification because my property was n't owner occupied and then I could but needed more income. I feel Chase is violating OCC rules by not sending me this information in writing and not submitting a COMPLETE MODIFICATION PACKAGE which was complete XXXX/XXXX/XXXX and not being submitted until XXXX/XXXX/XXXX. In limbo for more than two months. On XXXX/XXXX/XXXX a representative XXXX read the notes and told me the modification package was ready for underwriting on XXXX/XXXX/XXXX. I have tried to reach my most recent SPOC XXXX XXXX several times with no success. He has been my contact since XXXX XXXX, XXXX when he was assigned to my file. A month will go by before he calls me back. has told me he " has XXXX accounts and is very busy ''. He said he " will get off the phone with me and get right back on, he is on the phone all day ''. I have called his supervisor about this matter and that did n't resolve the issue. On XXXX/XXXX/XXXX XXXX told me Chase took me " off his portfolio '' my " file is in limbo. I have since submitted a new application on XXXX/XXXX/XXXX through XXXX fax sheet Chase provided. I called XXXX XXXX XXXX/XXXX/XXXX he was not available nor has he called me back. I spoke with XXXX XXXX and let her know I faxed application. I called XXXX/XXXX/XXXX XXXX not available spoke with XXXX XXXX she said they received application. Explained to her the issues I have had so please have XXXX call me so we can go over it. No call from XXXX! 
I got a call from XXXX XXXX in the escalation department he says to call him if I have a problem. When we went over my application he told me I would not qualify because my sons income was too much. When I asked for an explanation he was taking 2 months of pay stubs and using it as 1 month income. I pointed out his mistake and also let him know if he would look at the contribution amount on the application it states exactly what my son contributes. I have no confidence in this representative from the escalation department, my SPOC, or executive office. I am dealing with untrained representatives. Getting different answers to same question. misinformation and not getting it in writing. I have taken detailed note of who I speak with, dates and their extension number. Please contact me if you need all the details.