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

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

I perched my home on XX/XX/XXXX with a second mortgage at approximately {$60000.00} at time of funding. I've incurred late charges over the years but haven't had an extended period of nonpayment. On XX/XX/XXXX, Wells Fargo ( WF ) assumed my loan with a reported balance of {$57000.00}. I disagree with the balance due as it implies that the paid down of the loan over a 12 years totals {$3100.00}. For this reason, I've requested a payment history from WF to address the accuracy of the reported balance. There are several other loan issues that I've tried to address with WF on numerous occasions but I've been unsuccessful. Following numerous request for a history of payments, WF provided a " Customer Account Activity Statement, dated XX/XX/XXXX, which notes account activity from XX/XX/XXXX to XX/XX/XXXX - an 8 year period. See attached Activity Sheets. The information provided is incomplete but clearly notes that Escrow and other fees were applied to my account on a regularly. To prevent further charges for insurance to my account by WF, I had my insurance provider, XXXX, provided WF copies of my insurance policies on XX/XX/XXXX confirming coverage from XX/XX/XXXX to XX/XX/XXXX. Copy enclosed. On XX/XX/XXXX, WF acknowledged my insurance coverage yet indicated their intent to purchase insurance on my behalf from the escrow account. There was no indication by WF for reimbursement of escrow fees and related charges. Shortly thereafter, I was issued a check in the amount of {$1500.00} for escrow overages. The date for this reimbursement was not identified. Despite proof of insurance coverage thru XX/XX/XXXX, WF continues to charge insurance to my account. See attached bank letter. Another concern is a fee in the amount of {$400.00} the day WF assumed my account on XX/XX/XXXX. The reason for the charge was not provided. The charge appears suspicious as it is highly questionable that WF was able to complete a comprehensive Financial Analysis of my account within the first 24 hours of assuming my loan to justify the charge. I became aware of the {$400.00} charge 7 years later when reviewing the Customer Account Activity Report dated XX/XX/XXXX. I was never given the opportunity to address or resolve this issue. It is unclear if the {$400.00} imposed to my account has resulted in accrued interest and applied to the principle. Without a complete history of my payments and fees applied to my account, I refuse to blindly accept WF 's reported balance. With a never ending increase of charges to my account, I am in need of your assistance. Therefore, I am formally requesting a detailed payment history from WF and all related charges to my account so that I can pursue an independent and comprehensive assessment of my account either by an independent Financial Consultant or Government entity. I am overwhelmed by the financial issues imposed onto my account and do not believe that I have been treated fairly and honestly by Wells Fargo.
Product: Mortgage

I applied for a forbearance due to COVID-19. I was approved, and my forbearance ended on XX/XX/XXXX. However, Mr Cooper ( the mortgage company ) called me at the beginning of XX/XX/XXXX, to ask if I was still having problems with resuming payments ( I stated yes ) and they said they would give me a few options to assist for XX/XX/XXXX. I explained to the lady that I was driving and could not write down the various options she offered. So, she said she would mail the papers to me ( and that I would not need to provide any additional documentation ). About 2 weeks later, I received a phone call from Mr Cooper asking if I received the paperwork, and also said I needed to make an appointment for a notary to come to my home to have me sign the papers and return them. I told they lady at that time, I had not received any papers. She said they were coming from XXXX or XXXX ( with a tracking number ) and I should receive them in the next few days. 

On XX/XX/XXXX, I received the papers. After reviewing them, I was very upset!!! Mr Cooper is NOT offering a variety of assistance! They only sent modification papers which are making me START over with a 30-year loan, with a HIGHER interest rate, HIGHER monthly payment, and the total sale price is MUCH HIGHER than my original closing amount in XX/XX/XXXX!!! I will NOT be taken advantage of! If I couldn't pay $ XXXX per month ... how do they expect me to pay over {$1600.00} per month and my household 's finances and/or situations have not improved SINCE COVID??? I also, explained that my dad ( who was a Veteran ) died of XXXX and I have the death certificate as verification!! I have verification my husband and & I were terminated from our jobs and we both were denied Unemployment. They REFUSED to give me any other option, and although I told them the lady initially called me stating I had more than one option, they keep saying I do not! That this is HIGHER modification is my ONLY option!!
Product: Credit reporting

An account titled XXXX was opened in XX/XX/2012 under my name, Jointly, and I never authorized this account to be opened. I am not even sure what the Account is for. This account was past due multiple times and is negatively affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SP XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NATLCRSYS - They have accepted payment in full as negotiation of settling debt. The attachments to this complaint contain a {$1.00} money order front and back, and a screenshot on XXXX XXXX  showing they accepted the {$1.00} money order. They have refused to remove item off credit report and update my owed balance to {$0.00} even after processing payment.
Product: Credit reporting or other personal consumer reports

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Mortgage

I recently tried to close my escrow account with my new mortgage provider PNC Bank because they want to raise my escrow payment over $ XXXX/mo because they keep a 2 month " cushion '' as opposed to just 1 month which is all my previous provider required. They approved my request to close the escrow, but are now wanting to charge me {$530.00} for an escrow account closure fee. Their explanation for this fee is that I waived it when I originally closed on the home, 4 or 5 years ago, and now they have to charge me for it. After finally speaking to someone in the escalation dept.of PNC, they explained this fee is on my closing disclosure and an explanation is given that I am waiving it. After going over my paperwork and the closing disclosure, there is NO explanation whatsoever of an escrow cancellation fee. It is listed on there, with no amount or explanation. I have attached a copy of the escrow portion of my closing disclosure. 
Also, not one time did the customer service representatives I spoke to mention that there is, or potentially can be, a fee for cancelling escrow.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home in XXXX 2018. My loan was with XXXX XXXX XXXX. I was told at the end of XXXX, during the closing process, that the closing would satisfy the remaining payments of the loan. I now show 2 late payments over 30 days for XXXX and XXXX of 2018.
Product: Prepaid card

I purchased what appeared to be a PayPal issued reload-card at XXXX. PayPal issued its own reload cards in the past, which were very helpful for loading funds to your account. These cards were misleadingly and deceptively packed to appear as those former PayPal reload-cards, until after you removed the packaging and clearly see the word " Debit '' on the card. On the back of the card is the owner & issuer which is XXXX XXXX XXXX  XXXX and 'Netspend Corporation . ' I couldn't activate my card for some indeterminate reason ; The process of getting refunded was very arduous, convoluted, and time-consuming ( All were foreign based customer service agents ) ; And I was charged a {$10.00} fee for reimbursement, on top of the activation fee which I paid at XXXX when I initially purchased the so-called PayPal card. I was supposedly sent a refund-check by mail that I'd NEVER received.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint and dispute regarding a collection account reported by Atlantic Capital Bank , National Association, with NMLS ID : XXXX, related to account number XXXX. 

I dispute owing any debt to this company and request the immediate removal of this account from my credit report. Additionally, I revoke any and all permissions for Atlantic Capital Bank to contact me through any means, including phone calls, text messages, emails, or any other form of communication. Any further communication in violation of this request will be considered a breach of 15 U.S.C. 1692k, and I will pursue appropriate legal action.

Violations of My Consumer Rights : 12 CFR 1006.34 ( b ) ( 5 ) : Atlantic Capital Bank has not provided the required validation information for the alleged debt but has nonetheless placed a collection account on my consumer report. This is a clear violation of the law.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute this account before it was reported, which is a violation of my rights.

False, Misleading, and Deceptive Practices : Atlantic Capital Bank is using false, misleading, and deceptive practices in their collection efforts, which violates my consumer rights.

12 CFR 1006.34 ( d ) & 15 USC 1681-S2 ( 7 ) ( A ) : Atlantic Capital Bank has no authority to furnish any account to consumer reporting agencies without providing all legally required disclosures. Their failure to do so is a violation of these regulations.

In addition to these violations, I request the following : Debt Validation : Full validation of the alleged debt, including the original signed contract with the original creditor.

Purchase Agreement : The purchase agreement between Atlantic Capital Bank and the original creditor.

Proof of Licensing and Bonding : Proof that Atlantic Capital Bank is licensed and bonded to collect debts in the state of Georgia.

I demand that this account be removed from my credit report immediately and that Atlantic Capital Bank cease any further collection attempts. Failure to comply with these requests will result in further legal action. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Product: Debt collection

I received a letter from XXXX. XXXX XXXX on XX/XX/2023 regarding a debt from XXXX that I did not recognize. I sent a letter back to XXXX. XXXX XXXX on XX/XX/2023 advising that I did not recognize this debt and wanted them to provide a verification of the debt within 30 days. I have not heard anything back from XXXX. XXXX XXXX since then. I contacted XXXX, which is where I currently have my service, and they had no record of this debt in their system. I put in the letter to XXXX. XXXX XXXX that I didn't want this to go on my credit report and wanted to avoid that at all cost and wanted to get this resolved before then. Debt Acct # : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report " XX/XX/2023 '' and there are several wrong personal identifiers in the file ( address, employer and name ). This will keep jeopardizing my identity if they are not changed immediately! I want all inaccuracies removed as soon as possible please before any bad consequences happen to me because of these incorrect things, it is really harming my life. I've been trying to get my information updated for over 3 months now but never got results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX {XXXX} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed XXXX with TransUnion and they are just completing the investigation XX/XX/year> which is in violation of my rights and illegal
Product: Credit reporting or other personal consumer reports

Experian took it upon themselves to furnish my birthdate and telephone numbers that not correct, and my employer name their furnishing without my permission. I never gave them a written letter stating to provide those personal information on my credit report, furnishing my employer thats a violation of my safety.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.
Product: Credit reporting or other personal consumer reports

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Student loan

I currently owe money to XXXX from private student loans. This debt has been disputed and I have filed a Defense to Repayment and the collector is not only calling me repeatedly but also calling my mother in law and my husbands grandmother ( whom neither of them signed anything for me, and one of them does not even speak English ). They have no right to constantly call my family looking for me when they have no ties to me financially. This is unacceptable and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a {$XXXX} credit report and free trial for credit monitoring services from Transunion on XX/XX/XXXX and then cancelled the service the day after so that I wouldn't be charged for their services on a monthly basis. I have an email verifying that I cancelled the service on XX/XX/XXXX. At the bottom of the email it says " You may REACTIVATE anytime by simply logging in. '' I was receiving free credit monitoring services at this time from another company due to a security breach when I worked for the XXXX. I confused the different services and mistakenly logged back into my Transunion account at some point in the weeks that followed. Upon me logging in, Transunion automatically signed me back up for monthly services without my knowledge. They provided no notification that they had enrolled me and had began charging me on a monthly basis. They began sending me monthly " credit update '' emails, but none of these indicated a monthly charge was taking place. I was still under the assumption that these emails were related to my other free credit monitoring service. The first monthly charge occurred in XX/XX/XXXX and continued until I realized what was taking place in XX/XX/XXXX. 15 monthly charges of {$XXXX} had taken place, totaling over {$XXXX}, that I never knowingly authorized. I called Transunion and explained that I never agreed to these charges and had not been using the service, but they refused to refund any charges. I consider this way of business to be extremely dishonest and unethical. I don't think it should be legal for a company to operate in this way. A customer should be notified if he or she is being charged for a service and EXPLICIT consumer consent should be obtained prior to any monthly service initiating.