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

Two companies are at fault. The first agency is XXXX. I can't believe they are still in business and used by so many companies. I have tried for weeks, probably 20 times, to dispute an item and the website never works. When I finally tried to call ( as website directed ), I was transferred twice and then the " rep '' stated the system was unavailable and to call back in a few hours. She was clearly lying per script. Outrageous. XX/XX/2019 The submitting collections company is GLA Collections - I called and informed them the account in question was fully paid and asked that they inform both XXXX  and XXXX. The original creditor explained they have a 30 day rotation before they would infowm GLA and recommended I contact GLA directly. I gave GLA the confirmation number from my payment and they refused to update my report. They repeated the same excuse that they needed to verify with the creditor but, could not contact creditor and would have to wait to be updated by them. Terrible response. Item is still on my reports.
Product: Debt collection

XXXX XXXXXXXX XXXX  had made false statements regarding my rental agreement and lying about a lot things on my credit report regarding the collection. I moved into a XXXX bedroom XXXX XXXXXXXX. I have a video walkthrough and pictures of the XXXX whenever I moved in. There was multiple things wrong with this apartment. The oven did not work for three months that I lived there. My refrigerator broke a total of four times in a six month span. I reported to the office on XX/XX/year> of the water damage and the sliding glass door. Worst of all there was black mold everywhere in the XXXX. The ceiling leaked water whenever it rained and would fill up in the carpet. I had a health inspector inspect the XXXX They told me they have a total of six months to fix the issue. The issue was not properly fixed I have a list of dates the water leaked through the ceiling with dates showing the various times it rained. When I gave my thirty day notice they would not do the walk through of the XXXX They wouldnt take the key either. I put the keys and mail keys in an envelope and put it in the drop box at the office. I have video evidence of the day I moved out of the snow melting on the roof leaking through the ceiling down the wall XXXX. In Kansas- If your landlord does not provide habitable housing under local and state housing codes, a court would probably conclude that you have been " constructively evicted ; '' this means that the landlord. by supplying unlivable housing, has for all practical purposes " evicted '' you, so you have no further responsibility for the rent. Kansas law ( XXXX XXXX. XXXX. XXXX XXXX ) Ive tried reaching out to XXXX XXXX XXXX  over the phone about the collection only to be cursed out. Ive filed a dispute on XXXX against MARS INC which is the collection agency who has the information regarding XXXX XXXX XXXX. I talked to MARS INC on the phone and they received my photo documentation and videos. They have not done anything about it.XXXXXXXX XXXX XXXX are scam artists and have been getting away with stealing from innocent people. Im not the only individual that this has happened to read the reviews on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Balance : {$160.00} Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX Balance : {$1900.00} Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$500.00} Account Name : XXXX XXXX  ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$480.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$1500.00} I am formally filing a complaint against XXXX, XXXX, and TransUnion. I have been disputing these collection accounts with the credit bureaus since XX/XX/XXXX. I also have disputed this directly with the collectors XXXX XXXX and XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX. I was asking these collection companies and credit bureaus to simply validate the reporting of these accounts. I'd like to exercise my rights as a consumer to ask for the validity of the accounts I have mentioned above. I am trying to get approved for credit and I am not able to do so because the number of collection accounts that are reported in my credit report. 

I have not received sufficient documents from both the credit bureaus and third party collectors proving that these collection accounts are valid and 100 % reporting compliant with the reporting regulations as mandated by FCRA and FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient and XXXX XXXX are both reporting I have been delinquent 120 plus days on my credit report back in XX/XX/2014which is dramatically impacting my credit score. Reports show in XX/XX/2014my loans were 120+ Days late. This is I accurate I have never been late paying on my loans EVER. I have had to pay credit repair services to take the late payments off to which they successfully do but then XXXX XXXX and navient once again report these inaccurate late payments again shortly after It is removed. I want the late payments removed permanently. These problems did not occur until navient bought XXXX XXXX. I have seen through the credit repair service I have used that navient and XXXX XXXX say charge off and settlement I have no clue what these companies are doing but it needs to stop! I want to know why XXXX XXXX and navient are BOTH reporting the same thing as well? Didnt navient but XXXX XXXX? Why is XXXX XXXX continuing to hit my report It is showing 120+ Days late 4 times every time due to mynlaon being 2 separate loans however, because they both continue to report negatively It shows double!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several inaccuracies on my credit report. As a consumer, I believe it is important to raise awareness about this matter and seek your assistance in resolving it. I have attempted to resolve this matter directly with the credit bureau : XXXX, XXXX, and Equifax but my efforts have been unsuccessful. It is my sincere belief that the practices or actions in question are in violation of consumer protection laws or regulations, and I kindly request your intervention and investigation into this matter. I have chosen to reach out to the Consumer Financial Protection Bureau because of your reputation for advocating on behalf of consumers and ensuring fair treatment in the financial marketplace. I trust that your expertise and authority will help address this issue appropriately and hold accountable those responsible for any wrongdoing. In order to assist you in your investigation, I would appreciate any guidance or advice you can provide me regarding next steps or any additional measures I can take to resolve this matter. Thank you for your attention to this important issue. I trust in the Consumer Financial Protection Bureau 's commitment to consumer protection and look forward to a prompt resolution. Collection agency has not provided validation information under 12 CFR 1006.34 ( B ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( C ) ( 4 ) ( I ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006 34 ( D ) and 15 USC 1681-S2 ( 7 ) ( A ) Requesting the purchase agreement between collection agency and original creditor. 

Here are the items I am asking you to verify as accurate on each credit bureau : XXXX : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Equifax : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ XXXX ] Thank XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2023 I applied for XXXX XXXX credit card I was approved and I received a letter immediately after that they are closing my account without giving me a reason other than a vague reason indicating that my account and potentially be risk Ive called fraud prevention to find out why they closed my account as a concerned consumer, I would like to know the reason and I am given no reason whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XXXX the XXXX I attempted to file dispute on file for incorrect personal information on my Experian account. I attempted to dispute the Adresses on my report but the pagewould not load even after refreshing the page and logging in on another device. I also attempted to dispute medical information reported on my account and was unable to complete that as well.
Product: Money transfer, virtual currency, or money service

One XX/XX/XXXX, I was contacted via phone from Wells Fargo Fraud toll free number. ( I called this number from another phone to verify that the number was legitimate ). I was asked if I transferred {$3000.00} to a XXXX XXXX in XXXX, Fl using XXXX? I told them no. I had used XXXX early for two transactions and thought that was where the breech took place. I was advised in order to get the funds back to my account, I would have to XXXX the money back to myself in two {$1500.00} increments. I did as I was told. They told me they would contact me again on XX/XX/XXXX @ XXXX pm which they did. They then advised that I would have to XXXX another {$500.00} to myself and this is when I realized something wasnt legitimate. After filing a claim with Wells Fargo, they stated that they would investigate. After 9 days, Wells Fargo advised that per XXXX the money was non-returnable. I then filed another complaint with Wells Fargo directly. They have not returned the money and I am unable to get any answers. I have read several articles and under Regulation E it appears that it should be covered. Wells Fargo is stating that XXXX is a third party and my money is not insured. XXXX is an app that Wells Fargo has endorsed. I have no money at this point to pay my bills, and unable to pay for my XXXX medication. I have seen where this same issue happens and was investigated by a XXXX news station and the money was returned. I dont have much, but {$3000.00} was all I had. Could you please help?
Product: Bank account or service

My Regions Checking acct was compromised recently and about XXXX transactions took place within 3 day period that I did n't know about until about two days ago. I am in the process of buying my first home. I have been approved for a mortgage and I found a house and I have just wrote the first XXXX checks toward the purchase. XXXX for {$100.00}, the option period money. and the second for {$1000.00}, the earnest money. These are the first checks I have written out of this Regions checking account as well. Now that the account has been totally emptied my checks are going to bounce for insufficient funds, even though I called the bank to tell them about the frad, they said I could n't do anything untill all the transactions had posted to the account, and then I would have to go into a branch as fill out something and then it would take about 10 days for them to investigate the claim and after that I would have access to my funds again. The checks are going to bounce by then. Not only will I lose the house, bu the seller can sue me as well. 
I tried to explain this to the bank, and reminding them that if they followed the electronic transfer act that I was by law entitled to get the funds involved in the dispute put back into the account for my use while they investigate the claim. They wo n't do any such thing. They are not seeming to understand the seriousness of these XXXX checks. They said if they are returned then the merchant may represent them. Its not even that kind of transaction. This is to go into an escrow account to purchase a home. I ca n't seem to get them to move and even get started with the dispute. I am very angry and disappointed with the customer service and procedures this bank takes for helping people that have been a victim of fraud. I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6600.00} XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/2022 I contacted IC Systems to incur about an account that was placed with their collection agency. Original creditor was XXXX XXXX and XXXX. I was advised the debt could be settled for deletion in the amount of {$2000.00}. I advised the duration of time offer was valid, no expiration date outside of the payment in full was due within 30 days of first payment. Advised I would review payment online when funds were available to ensure full amount could be paid at XXXX time to receive the settlement. The call on XX/XX/2022 lasted in duration of XXXX minutes at XXXX and spoke with XXXX. I returned a call on XX/XX/XXXX to make full account payment for the settlement of deletion and payment of {$2000.00}, confirmed amount with rep I spoke with XXXX. She advised no deletion was available now or ever. Advised that I was advised that was available for account. I requested her to confirm with supervisor and listen to call recording from XX/XX/2022. She placed me on a two-minute hold and stated she spoke with a supervisor and listened to a XXXX minute call in XXXX minutes. I advised that was not possible and their company advised of deletion and needed to honor their provided settlement as it was advised on a recorded line. Organizations are responsible to their consumers and consumers are to rectify the accounts as agreed upon.
Product: Mortgage

I am contacting you to report ASC/Wells Fargo Mortgage company, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for fraudulant consumer business practices. I have applied for a home modification with ASC/Wells Fargo Mortgage bank, ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who is being represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 through my attorney XXXX XXXX XXXX. I was working with XXXX at the law firm who spoke with a representative from ASC ( our mortgage company for Wells Fargo/XXXX, XXXX XXXX Asst etc. ) on XXXX XXXX and confirmed the documents she sent in as well as had me to send in an additional document confirming my wifes income and that the income in its entirety goes toward our monthly financial income, which was also confirmed. My home is scheduled for foreclosure on XXXX XXXX, 2016 and my efforts where in a direct attempt to modify my mortgage payment and prevent the foreclosure sale and keep my home. From XXXX XXXX to date ( XXXX XXXX ) ASC ( Wells Fargo etc. ) has made NO effort to review my home modification information and every time I contact them for answers I am given the run around by each representative. I received XXXX written document from ASC with my loan preservation specialist information of whom I have contacted but she has not responded to me. I called the lawfirm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to see if the mortgage company had contacted them regarding my modification paperwork and placed a hold on the foreclosure date and unfortunately they had not. I called the mortgage company today ( XXXX XXXX, 2016 ) and spoke with a representative from ASC and again was told a manager would contact me to discuss my issue and complaint for the lack of communication and review of my modification but again no return call has been made which is their usual practice. I was also told they reviewed our information on the XXXX XXXX, 2016 and unfortunately because of the time it was reviewed by ASC they where not able to assist us because it was in the 7 day window. This is unacceptable and totally a lack of work ethic on ASC 's part. They are required by law to review my case in the time it was sent in and to do due diligence regarding my modification application, yet there has been slack and no real effort on their part to do so. I understand my rights as a consumer and I am asking you to please contact ASC/Wells Fargo Bank etc regarding this wrongful and unlawful activity. My house is still scheduled for foreclosure tommorow XXXX XXXX, 2016 and it is because of negligence and poor business practices from ASC. I and my attorney presented the necessary documents and followed up but where not contacted back or provided any information regarding the case. I am outraged! I have a wife and a baby daughter and have made every attempt to keep my home according to the options that are available to me. I was told filing a complaint against the mortgage company would be a good effort to possibly bring about a fair resolution and that is exactly what I am doing. Please help me keep my home.
Product: Vehicle loan or lease

I paid the company the entire amount owed and all that was left was XXXX in late fees. Get on there today XX/XX/20 and they have our bill at {$1000.00}?? We are not late and I am not paying them more money that I DO NOT owe!!! I want the bill explained and I want to know why it is XXXX when a week or two ago it was XXXX!!!!
Product: Credit card or prepaid card

Hello, I have a credit card issued by Chase and co-marketed with Southwest Airlines. The product is a Southwest Rapid Rewards Priority Card. 

The card advertises 4 free Southwest Upgraded boardings every year. In brief, at the airport, you pay $ 40-50 board the plane earlier and Chase is supposed to issue a credit for these charges. However, after over 6 attempts to use this benefit, every single time I try to use this benefit, the airport Southwest gate agents have stated that upgraded boardings are available but that that specific Chase card is declined as a payment method for this benefit ( their system errors out and says invalid payment method ). To be clear, this is not a capacity restriction, I've been told that I would receive a specific boarding positon such as A5, but when the agent tries to run the payment, there is a system error. This makes this advertised benefit impossible to use. My most recent specific example is SNA-DEN on XX/XX/21 with flight 4721 if this is helpful to the airline 's trouble-shooting. In all of these cases, the card was in good standing with many thousands of dollars of remaining available credit line.

In brief, the promised benefit of 4 free Southwest Upgraded Boardings every year is a benefit that is impossible to actually use due to an apparent technical error on the part of Southwest and/or Chase.
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus failed to investigate my hard inquiries after I provided information and report of my personal information was stolen and has been used trying to get car loans in my name .My car was stolen on XX/XX/year> " I noticed several unauthorized inquiries on my credit report that I would like removed. Inform them that according to the FCRA these unverified and unauthorized items must be removed. '' XXXX has reported a late fee for XXXX XXXX XXXX XXXX and I was never late. And they refuse to investigate my payment history Ive never been late on ANY PAYMENTS
Product: Debt collection

I signed.up for free 25 day trial with XXXX XXXX. I received it on XX/XX/2022 but the internet wouldn't work where I live on the river. I sent them email on XX/XX/XXXX telling them that so they said send it back. I did the next day so I was still in my 15 free days and it never worked so I never created account with them but they said I still had to pay. I was still in the 15 free days. I only had it 5 days.
Product: Mortgage

In XX/XX/2020, I applied to Sun Trust to refinance my mortgage of about XXXX. Up front I paid a fee of XXXX for a home appraisal, which they had told me up front was not needed but send the money NOW. I did. We are going now on NINE MONTHS and still they are asking for documents I sent back in XXXX LAST year. They do not answer my phone calls! I am no where near closing. I have to go with a new company and they want to appraised my house again. Mind you it has been appraised two times with value of XXXX. I want that XXXX back! I have to get another appraisal with my new company. They never did anything about moving this along. Thank You.