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

Upon pulling my credit report as I, buying a home I was dismayed to find out I had a collection from credit systems inc in XXXX XXXX.it was for XXXX $ and from a tanning company XXXX XXXX XXXX. It was services in Colorado. I do not live in Colorado. I am a Utah resident and have not lived there. I do have some family there. I called them and gave them my police report number and they were very rude when I demanded they remove this collection immediately.they just put this on my report with no regard as to its validity. My police report number is XXXX for XXXX XXXXXXXX. I also filed a identity theft report with the federal trade commission.
Product: Credit reporting or other personal consumer reports

Re : File number # XXXX am not requesting a new reinvestigation. This is a complaint that my dispute was not completed in 30 days. 

The date paid is inaccurate according to my court documents. I disputed the accuracy of the date paid of the bankruptcy and my request was ignored and I didn't receive the results. It has now been 30 days since my dispute was received. 

Account Name : XXXX XXXX XXXXXXXX XXXX Account Case # XXXX Incorrect Date Paid : XX/XX/2017 I understood according to the FCRA 15 USC 1681i ( a ) ( 1 ) ( a ) that I suppose to receive the results within 30 days of my dispute, and I haven't received that. Which in return my rights have been violated.

The following attached : Proof of the results received. 
Proof of letter sent.
Product: Debt collection

I recently pulled my credit reports from all three credit bureaus and there is a collection company, " Penn Credit Corporation '', reporting a fraudulent account from the originator of the debt which is XXXX I have never done business with this company or held any services with this company. This account is fraudulent...
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

In accordance with the Fair Credit Reporting Act XXXXXXXX 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, credit repair services, or other personal consumer reports

I have called Equifax Several times and have been unable to see my credit report since XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Complaint ID : XXXX Account : XXXX Notice # 2 To whom it may concern, I reviewed the letter that you have sent me in regards to my dispute and there are some things you did not address. I have provided the errors that are on my account and it seems that you refuse to comply with the Laws that are provided. 

Under the FCRA data providers are to respect consumers ' rights to privacy and in which you are violating this because you are furnishing my personal information to third-party agencies. 

Reports that contain information as to transactions or experiences are to be excluded from consumer reports. 

Also, as I stated before, the name reported is incorrect which is grounds for deletion. As a data furnished, you are to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

Again, the information you are reporting is inaccurate and I demand that you promptly delete this account from consumer reporting agencies or I will have to file charges for willful noncompliance because this is my second time informing you of the errors and violations as you choose to ignore them. I will also file charges for failing to comply. 

Please address ALL violations in a XXXX period and failure to do so will be considered discharged and will need to be removed in full and removed from all consumer credit reporting agencies, not limited to XXXX, XXXX, and XXXX. 



Thanks again for your cooperation, XXXX XXXX
Product: Debt collection

Company continues to report on my credit report this debt. I settled this with another collection agency and received a letter stating it was paid. Sent all verification to this second company, Enhanced Recovery Company, and they refuse to remove it and continue to report to credit bureau. They are attempting to collect a debt already settled and paid. They continue to state " we do n't know if it 's been paid '' even though verification letter states " Paid ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX With a balance of XXXX dollars Has violated my right 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: Mortgage

Standard Mortgage does not want to assist me with a loss mitigation or loss modification. They said because they wants to be listed as the first lien holder. I am current on my first lien holder at this time.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and the following accounts and inquiries were opened or initiated without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal. 
Fraudulent Accounts : XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX  - XXXX - XX/XX/XXXX XXXX $ XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to Experian that they have listed duplicate car loans on my credit report XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX for over 60 days. This matter has been resolve and the dispute has been open with Experian XXXX and XXXX XXXX FOR OVER 30 DAYS. I do not receive any response due to an ongoing federally constructed and orchestrated civil criminal conspiracy. I have closed and paid this account and it should reduce my dent by XXXX XXXX this is being done to deliberately negatively impact my credit and way of life by certain individuals who are XXXX and criminal informants from this house and this church in my neighborhood participating in XXXX.
Product: Credit reporting or other personal consumer reports

My mortgage loan belong to XXXX XXXX in XXXX  the was sold with me not having any acknowledgement my payments where on Auto pay with XXXX XXXX when the loan was transferred to XXXX XXXX XXXX payments and payments where still in auto payment as shown in my records with XXXX XXXX I was never late and this all happen during the time of XXXX My loan is now transferred to XXXX XXXX which has never been late but when I look at my credit report in all three XXXX, Transunion and XXXX they show as late payments on a loan has never been late plus the lender is reporting on a loan that no longer the lender I need these late payments cleared with the correct information on my current lender XXXX XXXX
Product: Debt collection

The this is XXXX XXXX there is a collection company call them self UCB collections which is a third party never signed a contract with this company trying to collect and debt not owed witch was paid by my insurance company XXXX part a and b it's a medical bill from 2022 from XXXX XXXX general Mid-City it's for {$1500.00} dollars
Product: Mortgage

I have been paying late charges on my mortage with Chase Home mortgage. I have paid late fee from XX/XX/XXXX until XX/XX/XXXX. I have contacted Chase several times within the last three years to resolved this matter .My first contact with chase was by telephone 0n XX/XX/XXXX, I spoke to a XXXX XXXX XXXX he waived the late fee due to me making two payments in XX/XX/XXXX. One on the XX/XX/XXXX and XX/XX/XXXX. I thought I had resovled the issue. However, this was not true in XX/XX/XXXX I was trying to make my regular payment inside the local branch and was told I had a late payment and need to resolve the issue. I made the payment. This cause me more confusion. I have been paying late charges every month. This has cused me three years of stress and worries.
Product: Checking or savings account

Have tried multiple times by phone and through the banks online contact page to get {$3000.00} in fraud charges removed from my HSA savings account. The bank issued a debit card on the account which I never received. I did get the card stopped, but the bank refuses to respond to the fraud reversals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following errors. 

XXXX. XXXX XXXX XXXX Account # XXXX THIS ACCOUNT IS REPORTED INACCURATELY! THE WHOLE ACCOUNT NUMBER IS MISSING AND ACCOUNT CONDITION " INDETERMINATE '' CLEARLY STATING ITS BEEN TRANSFERRED TO ANOTHER LENDER THESE TYPE OF INACCURACIES ARE UNACCEPTABLE AND I HAVE A RIGHT TO A ACCURATE CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I paid an outstanding medical bill to XXXX XXXX XXXX of {$640.00}. 
They then informed me that a collection agency had the account. I called AR Resources and informed them the bill was paid. They took my info and verified with XXXX XXXX that the bill had been paid. They told me it would take a couple weeks to update on credit report. It is still on my report as of today as outstanding. I have called and left voicemail several times in the last few months with no return call.
Product: Checking or savings account

My wallet was stolen from my car on Saturday, XX/XX/XXXX. My credit card and debit card were then used to fraudulently spend {$4000.00} ( {$2000.00} ) on each card at the XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, California. I have disputed the charges with both XXXX XXXX ( credit ) and Wells Fargo ( debit. ) XXXX XXXX has said that the charge will be flagged and voided, however, Wells Fargo is still in the claims process.
Product: Student loan

I have attended XXXX XXXX XXXX since 2012 sallie Mae used to be the lender of my student loans ever since XXXX took over I have had nothing but issues, anytime I call nobody wants to help, and the representatives I spoke with were extremely rude! I have been going through a financial hardship for over 6 months, they claim I do n't qualify for any programs or they do n't offer them, my husband was out of work and I was out of work and we just had a baby in XXXX, they disregarded everything I had to say and said I needed to pay something, I do n't want to neglect my obligations but I need help getting back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two debts on my credit report that are not from me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a wring name as well as wrong address that I have no knowlege of on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX, TX XXXX. This information is inaccurate. Also, There is a name of XXXX XXXX XXXX on my account. This information is also not accurate and that is not how my first name is spelled
Product: Money transfer, virtual currency, or money service

1. I attempted to make two transfers of money ( {$2000.00} each ) from XXXX XXXX XXXX XXXX to my XXXX XXXX savings account. Unfortunately, I must have set this up erroneously by grabbing American express rather than XXXX XXXX from the pull down menu. 

2. These two transfers occurred on XX/XX/2024 and XX/XX/2024. They do appear to have gone to the routing number of American express bank ( XXXX ). They did debit from my XXXX account. The account number may not be a legitimate account since it is the account number for my XXXX XXXX account. 

3. I have discussed this at length with both institutions. XXXX agrees that the money did debit from my account. American express states that they can not find any evidence that this money came to them.
Product: Debt collection

Cash app took XXXX out of my checking account and return XXXX of it back. They still owed me XXXX. Not only that they closed out my personal cash app which is set for my XXXX. My bank and myself have written letters to the bank in reference to my XXXX and to reopen my personal cash app account. Your help in this matter is deeply needed.
Product: Debt collection

XX/XX/2020 - XXXX XXXX XXXX - {$630.00} showing on my Equifax Credit Report. 

This company continues to ignore the fact that this is not my debt. It was removed from both XXXX and XXXX  on my report. I have told them and Equifax both that this is not my debt. I have even disputed this debt and they will not remove it. They can not provide any documentation to me stating this debt is my debt other than an amount. There are no medical documentations or procedures codes to indicate this is my debt. I am attaching a copy of my equifax report along with the documentation stating it was removed from the other reporting agencies.
Product: Checking or savings account

On XX/XX/XXXX, I opened a XXXX Checking account and Savings account with Chase in response to an advertised offer for {$50.00} when doing so. I was able to do so quickly online using a regular desktop computer. When I went to download the app, I was informed during the process that the app only worked on XXXX devices. My smartphone is an XXXX device, and I do not have any XXXX products. I immediately called Chase/XXXX to get the accounts closed. The request was put in. To date ( XX/XX/XXXX ) the accounts are STILL not closed despite numerous secure messages between myself and Chase. The 2 accounts have been removed from my account login, but the accounts are still open. Why does it take 5 minutes to open an account ( no less- from a device you can not utilize the account from ) and nearly a month ( or who knows how long, as I am not willing to follow up with this forever ) to close it?
Product: Credit card

Company 's response to my CFPB complaint XXXX  neglects to include other language from the a credit card agreement. 

As long as you make your payment in accordance with the instructions on your billing statement by the date and time payments are due, we will credit your payment as of the same day it is received. 

They did not credit my payment ( though it was taken out of my checking account ) for 8 days. They had my money, paid off entire amount owed within the same month as billed, yet credit not restored as stated in agreement " credit your payment as of the same day received. '' Chase mislead CFPB by only providing part of the language from their " agreement. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent collections item on my account due to identity theft. This exact same debt was filed on my credit earlier this year, just with a different debt collector. Experian dispute XXXX was completed ( submitted XX/XX/2021 - completed XX/XX/2021 ), agreed this was not my debt and removed from my credit report. Now the exact same amount is being reported again, just from a different debt collector, and now I'm being told this is a valid debt ( which is impossible ). Dispute XXXX ( submitted XX/XX/2021 - completed XX/XX/2021 )
Product: Checking or savings account

XXXX a victim of identity theft a lot of my information was breached and stolen to make accounts and commit fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX A XXXX, MD XXXX, XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

, transunion, and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, transunion, and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

on or about XXXX/XXXX/2015 a tree fell on our house doing damage to roof. the work has been completed and wells fargo is refusing to release payment to the contractor unless we agree to a repayment plan on our mortgage. the insurance is paid by me out of my own pocket. 

XXXX XXXX ( my wife ) has spoke to wells fargo several times first time they said no problem we will send out the paperwork right away. the paperwork never comes. XXXX calls again wells fargo says sorry that we never received the paperwork that their records show it was sent XX/XX/XXXX and will XXXX the paperwork out immediately. the paperwork never shows up.XXXX calls wells fargo again this time wells fargo says they cant send the paperwork until they receive the check. XXXX and I sign the check and send to them. wells fargo told us that once the work was inspected they would release the money to the contractor. now today XXXX/XXXX/2015 wells fargo says they will not send paperwork or release money to contractor unless we talk to the mortgage division and can work out a mortgage repayment plan. 

XXXX 2015 Wells Fargo filed foreclosure in XXXX county court and my Attorney XXXX XXXX has answered the summons and has request it to be dismissed and or sent to mediation. 

XXXX XXXX
Product: Credit card or prepaid card

I transferred two balances from credits cards to Capital One in XX/XX/2018 with a promo rate of 0 %. The transfer was done on the Capital One site through the balance transfer portal but the credit card statement shows them as a purchase. Two statements later, I noticed interest was being charged. I called Capital One and the rep said the system processed the balance transfer as a purchase, it was a mistake and it would be fixed. I called back a week later when another interest amount was posted to my credit card account. I spoke to a rep, re-explained the situation and she agreed the interest was charged in error. She connected me to another rep who attempted to explain that there was no 0 % offer in place at the time I made the transfer and that the interest charges would stand and I would be responsible for them. I was charged several hundred dollars in interest. I have transferred many balances over the years and would never transfer to something that was not 0 %. Additionally, the first two reps I spoke with told me that their system made a mistake and I was charged interest in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey CFPB, Today I'm sending a message to you guys in regards in removing an inaccurate/Duplicate inquiry from Wells Fargo. I received a copy of my credit report and found that my credit report was pulled twice on the same day ( XX/XX/2017 ), which is an error. It was pulled Twice from my XXXX   credit bureau. From my understanding of CFPB, you guys will recheck the items with the creditor who has posted them. 



Also, on XX/XX/2018, my credit report was also pulled as well. Please have the Wells Fargo ( the creditor ) recheck the item. 

If you need any information or verifying who I am, feel free to call me at ( XXXX ) - XXXX -XXXX