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

I was granted a divorce from XXXX XXXX on XX/XX/2024. The divorce decree CLEARLY states that i am not responsible for ANY premarital debt. I submitted a copy of the decree and a letter asking all debt be removed from my credit report. I jabe also filed online disputes wirh the decree documents attached. My disputes are being rejected from the XXXX, USBANK for a credit line that was CHARGED OFF for {$7500.00} approximately. This charge off should not be appearing on my credit report any longer according to the XXXX XXXX XXXX XXXX. All notations of this account should be removed from ALL 3 credit reporting agencies, yet they are ignoring the court order to hold XXXX XXXX solely responsible.
Product: Credit reporting

XXXX/XXXX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
Washington, XXXX XXXX RE : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against XXXX, XXXX and Tran Union because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " XXXX '' in XXXX/XXXX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XXXX to XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XXXX/XXXX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX 24/7 and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,
Product: Mortgage

Wells Fargo is saying that they cant do anything to help me with a whole modification because of two head loans that are out still in my parents name however they clearly do not know that those two hot loans will be demolished once I go through probate court because any debts from a dead person go away, and if they had known that they wouldve proceeded forward and helped me with this process in order to get the whole modification done, but they refuse to do that. They definitely do discriminate. I do have proof of that because theyre giving me some XXXX who is definitely discriminating. I do not get a phone call. I have spoken to two lawyers who are helping me with this process and they said that it is not against Massachusetts rules for them to call us. They need to call and leave a message. It is about a business manner, not about a collection. Theres a difference. They are the most unprofessional rude people on the planet. I have requested to give me more time as I am now going through probate court, and then after that I have to go through hood to demolish the two head loans that are out in my parents name because again if they knew anything, they would know that when a dead person dies, their debt goes with them. But Wells Fargo hires the most stupidest people. XXXX XXXX The two lawyers that I have involved with this case are. XXXX XXXX XXXX. I will keep making complaints on this site until they start rectifying what theyre doing. I will do whatever it takes to shut these people down as well.
Product: Debt collection

On XX/XX/XXXX I discovered a collection account that XXXX XXXX on my credit report on XX/XX/XXXX by  XXXX XXXX XXXX when I took my child to XXXX XXXX in XX/XX/XXXX. I called the collection service and the hospital and dispute the amount of the bill which was {$1500.00} I sent them both documented proof that on the date of service I did had valid and billable insurance when I spoke with the representative at the hospital in the billing department it was discovered that the hospital filed with the insurance the wrong billing code under mental health instead of medical servics. she told me this was a hospital XXXX and since two years had passed she don't think that the insurance company would pay and this was a billing and coding error in the hospital billing department. XXXX XXXX  account was taken off of my credit reports within 90 days. yet on XX/XX/XXXX I discovered that the hospital has once again place the same account with a balance of {$1500.00} back on my credit report again with a different collection agency called XXXX XXXX XXXX and I am disputing it once again with the hospital and with the collection service with those same document showing that on a date of service I had valid and billable insurance.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX/24 I called Cash 1 to speak about my account that is very past due. I spoke to a rep and she was really helpful and stated she would be able to modify my account and drop my payments down as well as credited my account from fees etc. On XXXX/24, I agreed on a recorded line with the agent to a post dated payment of {$28.00} on XXXX/24 via a new debit card. On XXXX/24 I accessed my bank account and found a charge of {$57.00} from Cash 1. I called Cash 1 on XXXX/XXXX/24 and asked what happened since I have the copy of the agreement via email and never authorized the {$57.00} on my new card. I spoke with an agent and she stated that she saw the notes and can see the modification however for whatever reason the person whom submitted the modification never put my account into a protective status, and so they just took the amount that was agreed upon originally since they now had new banking information. She then spoke with her supervisor and the options were : 1. Leave the payment as it is, and they could move the funds to my next payment and not be due until the next month. 2. They could refund me the {$57.00} that would take up to 7 business days and they are not able to refund only a half amount they can do it all or nothing, with the exception that I would still need to pay the {$28.00} by XXXXXXXXXXXX/24 in order to keep the modification, despite it being their error by not protecting the account properly and thus making my bank account go into a negative amount, making it impossible to make the payment of {$28.00} by XXXX/24. I asked to speak to the supervisor and despite her being able to reply and speak to her rep, she stated that she was going into a meeting and would call me back this afternoon. Its currently XXXX and I have not received any calls in regards to my account. She specifically asked the rep is she refunding or waiting? Before stating whether or not she would take my call. When I stated that I would be refunding, she then said she was too busy to speak to me and would call back.
Product: Debt collection

I have a curacao Account I was tested positive for XXXX I called and explained to them I well be out of work for a few weeks they told me dont worry I wont have a late payment as long as I make a double payment which I did back in XXXX I have been calling this company over and over I can not get a manager on the phone and they take my information saying they well have one call me and no one never recaches out to me. I should not have this late payment on my credit for I was sick with XXXX  and information this company and the sales person lied to me just to get me to make a double higher payment
Product: Checking or savings account

To whom it may concern, My name is XXXX XXXX and I would like to file a complaint against Bank of America. My social security number has been compromised on the dark web. I am not a customer of Bank of America and do not have an open account with BofA. 

I have received multiple emails that BofA checking accounts have fraudulently been open in my name. I have called BofA to notify them that I did not open an online account. The only way I was aware of an open account is that the attacker/fraudster had used my valid email address to open the account. 

I asked the BofA are there any policies in place to put a stop/hold on my social security number at their institution to make sure that this does not happen again and they responded that there are not. I am materially inconvenienced when I have to continue to call them every time a fraudulent account is opened in my name. Please help prevent this from happening to myself and other civilians.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has completed a dispute for a collection on my credit report. I am unable to access the results of this dispute after trying numerous times over the course of a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter to Experian requesting that they remove an unauthorized inquiry on my consumer report. On XX/XX/22 I received the certified mail return receipt proof of delivery that my letter was received by Experian.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX  XXXX  XXXX  XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. US SM BUS ADMIN ODA XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX  XXXX  XXXX, XXXX XX/XX/XXXX 9. XXXX XXXX XXXX  XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX  XX/XX/XXXX 17. XXXX  XXXX  XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

My daughter applied for a XXXX student loan and somehow my name was added as a cosigner. I had no knowledge of this. My daughter says she did not add my name. She thinks XXXX added my name to the student loan she took out. XXXX told me if my daughter had access to a old phone of mine or my laptop she could have added my name to the student loan as a cosigner electronically without me signing and without my permission. I was told to file a police report. Due to the amount this would be a felony. I'm not trying to ruin my daughters life only to have my name removed from the student loan. The amount was originally around XXXX and is now nearly XXXX due to interest. The loan sold to firstmark services and i thought my daughter would be able to fill out a cosigner release. XXXX says this is not a option for the loan. Again I am told to file a police report. Again I only want my name removed from the loan and my daughter to not have her life ruined over this situation. The loan was originally taken out XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$510.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is STILL showing my report for them as having 22 accounts. None of the other 2 bureaus are. All of my student loan accounts have been removed. I've literally complained and mailed letters and they have NOT been updating my report with any changes even thoughXX/XX/XXXXand XX/XX/XXXXhave. It's been well over 30 days for this, also. They just keep extending everything and not changing a thing. Why? Legally they are not following law.
Product: Credit card

On XX/XX/year>, I received a notification that I had made a purchase from XXXX XXXX with an item ready for pickup in a different city far from where I live. The charge was for {$XXXX}. I immediately contacted Citi to report the fraudulent transaction. Citi promptly locked my credit card and issued a new one. However, despite being a victim of cybercrime, I was later notified that my dispute was resolved without any credit being issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

XXXX. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. XXXX Account Number : XXXX This is not mine. 

XXXX  XXXX. XXXX Account Number : XXXX This is not mine. 

XXXX  XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX Jpmcb bank XXXX Reviewed my credit report and saw that there were inquires on my report that I had no affiliation with.
Product: Debt collection

I received a bill from XXXX in XX/XX/2023. It indicated that my account was delinquent. This was the first and only bill that I ever received from XXXX. I immediately called XXXX and reported it as fraudulent. XXXX launched a fraud investigation into the account. I called back after the 10-business day waiting period for the investigation to be completed. XXXX informed me that they had determined that the account was indeed fraudulent and as such, they would remove the account. They assured me that the account was no longer associated with me and that there was no further action needed. I called back 5 business days later to verify that the account was no longer associated with me. XXXX stated that they would no longer discuss the account with me as it was not my account, based on the fraud investigation, for privacy reasons. In addition, I reported this instance with the FTC as identity theft. This, however, turned out not to be the case as the account was sent to collections. I have disputed the collections with all three credit bureaus. XXXX has closed my dispute after their investigation indicating the information is correct. I am seeking relief from this hardship.
Product: Mortgage

I have been trying to modify my mortgage with Citimortgage for 5 years. They have never turned me down for a modification. I have submitted complete paperwork per their request over 15 times. They tell me my paperwork is with underwriting. After a few weeks, they request more docs. After I submit those docs, they assign a new loss mitigation specialist to my case and the process begins again. They never inform me that the modification has been accepted or denied. They have now sent me a sale date on my property while I am still in underwriting for modification. To my understanding, this is dual tracking. They have also not exercised reasonable care to obtain docs and have never informed me whether or not my modification ever officially gets denied or approved. I am trying to get the sale stopped while I am still with underwriting but nobody will help me. The sale is shceduked for XXXX/XXXX/16.
Product: Checking or savings account

Using XXXX, on-line payroll management program for my business, and PNC Bank won't allow it to link.
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with XXXX supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Checking or savings account

I deposited a check in my Citi account in the amount of {$5000.00} on XX/XX/year>. The check was issued by XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> for a settlement. The day I deposited the money I had access to just under half of it. The following day roughly {$200.00} more was made available and by the third day I had access to the full amount. Suddenly on the evening of XX/XX/year> my account was locked. I called Citi at XXXX XXXX on XX/XX/year> to find out what the problem was and was told the check needed to be verified as it was flagged for fraud. The check cleared the account of the law group on XX/XX/year> so there is no problem on their end and they didnt report a fraud ( see attached emails ). Im completely blocked from my account and all my funds for no reason. I have wasted an entire day on the phone talking to various people and nothing has been resolved. The attorney who wrote the check has tried calling but was told the person he needed to speak with was busy. I provided the attorneys direct line but no one will call him as they claim the number isnt verified in their system. I need access to my money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. they have reported false information on my credit report and after multiple attempts to have it removed, they refuse to update it to current. 

15 U.S.C 1681 section 602 A. States that I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, US Dept of Education XXXX XXXX XXXX, XXXX  XXXX  XXXX # XXXX, has violated my rights. 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: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SENT OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVED In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.