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

Ive previosly disputed this account, my rights are being violated this accounts doesnt even show the dispute status on my credit report which is is an FCRA violation. ive been with XXXX for a long time, and I have always appreciated the good value and service I have received from XXXX. Recently I checked my credit report and noticed a mistake from my closed credit card with account number XXXX. I was devastated to see a late payment from XX/XX/2023. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. Im getting a promotion from my job so they ran a credit check and thats when i discovered this. this has to 100 % be a billing error. Will you kindly send me? confirmation that this erroneous late payment has been corrected updated to paid as agreed and deleted from my credit report. 





If you believe its correct, I demand : -The date whomever validated it was correct. 
-The method used to validate this Billing error. 
-The name of the person who received the permission to validate this error. 
-The documents used to determine this error. 





I would appreciate if this matter were handled in a timely manner. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am simply asking you who gave you permission to report on my credit profile. Also, who gave you permission to furnish a debt without me knowing to a credit reporting agency? A credit reporting agency is a third party they do not work for you. You can simply remove the account from my credit report for you are violating my rights to privacy according to the Gramm Leech Bliley Act. Also since you did furnish this account without my consent and reported on it every month without me knowing that is identity theft which is a felony. According to the law, it states in 18 USC 1028A ( Aggravated Identity Theft ) that whoever knowingly possess, transfer, or uses another person 's identification without their knowledge shall be sentenced to a term of imprisonment of 2 years. I am pretty sure you do not want a huge lawsuit on your hand for furnishing this debt without the two most known forms that all companies must have in order for a consumer to consent to SSA-89 or SSA-827 form Authorization to Disclose Information. Those are the only two forms that must be sent to me to even furnish this debt with my permission. You never offered those forms to me. Also since you are still reporting the information without me knowing you are literally damaging my consumer report without me knowing. My consumer report took a hit because you do not care, and this caused me to miss the job that I initially had high hopes for. 

You are in violation of 15 USC 1692c ( b ) Which states that without prior consent to a consumer, you can not report to a consumer reporting agency. You have been doing that all along which is a felony, and that also results in identity theft. I did not give you consent and you are still doing what you want. I demand you to remove this account from my consumer report immediately and if not then pursuant to 15 USC 1681n ( Civil liability for Willful non-compliance ) you will pay me { {$1000.00} } per damages to my consumer profile and { {$1000.00} } per violation. So tell me who gave you the consent to report on my consumer report because it wasn't me?
Product: Credit card or prepaid card

Wells Fargo advertises for the WellsFargo PropelWorld card a {$100.00} airline benefit. 
I have a charge from an airline that should apply. 

On XX/XX/19 - I called Wellsfargo to see when the benefit will be applied and was told by the CSR that they've never heard of it and transferred to XXXX. XXXX told me it was a Wells Fargo benefit and transferred me back, Wells Fargo CSR than said it was a rewards thing, transferred me to GoFar rewards and they said they've never heard of it and transferred me back again. 

I again went through the whole process of explaining everything and asked to close the card since again I was told they never heard of it and the moment I mentioned closing a card the CSR started saying they couldn't hear me. So they transferred me again to the Fraud department where they continued saying they couldn't hear me and I should call again.

https : //www.wellsfargo.com/credit-cards/propelworld/terms/ - It's right there in the first line under " Airline benefit ''
Product: Mortgage

An amount of {$560.00} is owned by Nationstar Mortgage. On  XXXX   XXXX   XXXX   XXXX    XXXX   transferred my loan #  XXXX  to Nationstar Mortgage along with same loan terms. What occurred during the month of  XXXX   XXXX   XXXX  was a automatic payment made to   XXXX   by    XXXX   XXXX   XXXX    of  XXXX , along with two other payments made on  XXXX  and  XXXX   XXXX   XXXX . Nationstar claims non-receipt of payment of  XXXX   XXXX   XXXX  but the other two payments were received. Nationstar insisted that proof of record be provided that payment was made on  XXXX   XXXX   XXXX . First they wanted a FAX, later an EMAIL with justifying documentation. They insisted they had no record of receiving neither documents.   XXXX   XXXX   documentation verified all three payments were made. Nationstar on  XXXX   XXXX   XXXX  in- dicated that an error was identified, that a corrective statement would be made. No statement has been received and is anticipated. The only transactions made in  XXXX   XXXX  subsequent to  XXXX   XXXX   XXXX , were two others on  XXXX   XXXX   XXXX  for partial and principal transactions. Transactions made during  XXXX   XXXX  were the pay-off loan type. In the 5-months that we were paying on the loan was nothing but a headache, that we made the decision to terminate the loan early.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I dispute the inquiries over the pass two years and they are still on my report along with new items within the last 6 months. I have done my part reporting to the police and still I have not seen process. 

The inquires are listed below XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX
Product: Mortgage

We believe we are entitled to a refund due to being overcharged through the improper interest rate, starting on XX/XX/XXXX. In the Rate Improvement Addendum to the Note our original interest rate of 5.5 % had an automatic reduction to 5.125 % interest rate starting on XX/XX/XXXX. We believe all the conditions to the rate reduction have been met, and automatic reduction should have started on XX/XX/XXXX. 

By our calculations, we overpaid on our mortgage by {$1100.00}. We hope they can re-calculate the amount we are owed from XX/XX/XXXX when our rate was not automatically dropped from 5.5 % to 5.125 %, make the necessary adjustment, and process the refund. 

Our total loan payoff amount as of XX/XX/XXXX is {$1100.00} and we would like to reconcile the account with the amount owed to us ( {$1100.00} ). 

We made several attempts ( 4 ) to mitigate the issue through NewRez customer service phone number, making the request to review the mortgage contract, notes and addendum and look into the issue of Automatic Rate Reduction not being processed. After following up on our complaint and a request for review of the automatic date drop with their research department we made on XX/XX/XXXX ( request was made with XXXX XXXX ) ; we were told that someone in their customer service made a mistake when filing the request. We made another request for the review and a complaint on XX/XX/XXXX ( with XXXX and her supervisor XXXX XXXX who now expedited our request. When I followed up on XX/XX/XXXX ( XXXX XXXX ) I was told, again, that the customer service made a mistake when filing the request. At this point we made the request again for the research department to check on the mistake, and filed a complaint. 

After failed attempts to get resolution through customer service phone number, we decided to send a qualified written notice of error to NewRez. We sent this letter by certified mail on XXXX.
Product: Debt collection

1. On XX/XX/2018, I sent an initial letter to EOS CCA ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$520.00}.

2. I also notified EOS CCA that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to EOS CCA on XX/XX/2018 at XXXX XXXX. A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for EOS CCA to send me verification of the debt. I havent received anything.

5. The entry of {$520.00} on my XXXX  and XXXX  credit reports is entirely inaccurate, incomplete, and represents a very serious error in reporting.
Product: Debt collection

Convergent says I owe money on a XXXX XXXX bill from XXXX and XXXX. I have never been with XXXX. I do not owe this and I received a letter wanting to discount my bill if I payed now. yesterday the XXXX of XXXX, XXXX. I called the 800 number and they had a phone number they said I owe on and I do not recognize this number nor have I ever received a bill for this number nor anything from XXXX. I have excellent credit and always have. This hurts my credit.
Product: Credit reporting or other personal consumer reports

To the Reviewer or Reviewing Committee, I have received a total of 5 hard inquiries from XXXX : XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX  inquired XXXX XX/XX/XXXX I have received a total of 2 hard inquiries from XXXX : XXXX XXXX XXXX XXXX inquired on the XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX have received a couple of " Account Review Inquiries '' on XX/XX/XXXX from XXXX : I have submitted multiple hard inquiry disputes to all three credit bureaus, XXXX, XXXX, and Transition XXXX regarding this and have settled with putting my accounts on credit freeze. 

I did not apply or request for any account, business, or credit card with the following entities on these dates therefore, do not recognize these to be hard inquiries under my account. These hard inquiries have made it so that my credit score has declined, which has caused my mental wellbeing as I aspire to be a first-time homebuyer soon. The hard inquiries are stated to last until the year of XXXX. Additionally, I have been receiving letters in the mail stating that my account was not approved due to " multiple inquiries associated with your credit '' - this is untrue as I did not apply to these entities. This raises another concern of the potential of applying for new credit cards I have been considering. I need these hard inquiries to be removed from my record as they were not mine.
Product: Mortgage

I had a mortgage with Wells Fargo between XXXX - XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I immediately notified Wells Fargo of unauthorized charges that were made on my account : XXXX transactions, totaling {$3800.00}. On XX/XX/XXXX, I received communication that Wells Fargo had completed their research and determined the transactions were authorized and a processing error did not occur. XX/XX/XXXX : I was notified that my account was being closed. On XX/XX/XXXX, I received a fraud detection alert regarding the unauthorized transactions that were attempted on my account on XXXX/XXXX/XXXX. 

Wells Fargo failed to adequately investigate my claim and instead closed my account. This is something Wells Fargo has a history of doing. Not only did Wells Fargo fail to adequately investigate my claim, but they also failed to notify me in a timely manner of the attempted fraud on my account, therefore exposing my account to aggressive fraud. I wasn't notified until XX/XX/XXXX regarding fraudulent attempts made on my account on XX/XX/XXXX. Had Wells Fargo promptly notified me, the fraudulent transactions could have been prevented. Had Wells Fargo adequately investigated my claim, they would have found that an error did occur on my account, but since they did neither, they have violated my rights as a consumer and wrongfully closed out my checking account without investigating and correcting the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified you that I was a victim of identity theft
Product: Credit reporting or other personal consumer reports

I found an issue in my consumer report regarding my credit account with XXXX XXXX XXXX ( Account XXXX : XXXX ). There's an unexpected 60-day late payment entry, and I believe it needs prompt attention. 

I kindly ask for a thorough investigation into this matter, along with documented evidence like statements supporting the legitimacy of the reported 60-day late payment. I'm eager to understand the basis for this entry and hope your agency can provide clarification.

If, upon investigation, you can't confirm the accuracy of the 60-day late payment entry, I insist on a quick update of the record to show the accurate statuspaid on time. My consistent payment history reflects my commitment to financial responsibility, making this sudden deviation confusing. 

I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility, and I trust your agency will handle this with the necessary diligence.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

On  XXXX   XXXX ,  XXXX  I contacted chase auto finance regarding my  XXXX   XXXX   XXXX  financed through them. At that time I called to confirm what payment needs made to avoid charge off and the last day to make it. The rep advised that the payment was {$640.00} to avoid charge off and I can make a payment on Sunday  XXXX  via  XXXX   XXXX  or  XXXX . Meanwhile chase bank charged off my account on Friday  XXXX  the same day that I called and did not advise of this. They allowed me to send a payment on  XXXX  and did n't advise that it was charged off on  XXXX  and lied and said I had until  XXXX . I needed until Sunday so my paycheck was received Saturday in the mail to cash it and that is the only reason why I had to wait to Sunday. Meanwhile they received {$640.00} from me on Sunday but still have my account in charge off.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 

XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ACCOUNTS THATS IN MY NAME THAT I DID NOT OPEN WASNT AWARE OF IT MY PERSONAL INFORMATION WAS USE IM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello I am on the checking account for my mother who has been in a XXXX XXXX since XXXX XXXX XXXX She has XXXX. My father also passed away in XXXX of XXXX. My father added me to the account to pay the bills on his behalf when he got sick. When I was notified that my mom would not be returning home. I walked into the bank on XX/XX/XXXX to close the account because there would be no more deposits starting in XXXX. I presented the bank with a POA for my mom ( I have a letter from the bank that reads they accepted the POA On XX/XX/XXXX. ) Attached I came to find out on XX/XX/XXXX that the account was never closed and that it was negatively drawn in XXXX and XXXX and now I am responsible for the negative balance of {$1000.00}. I walked in the bank with the documentation on Saturday XX/XX/XXXX and met with XXXX XXXX XXXX XXXX Bank XXXX. He agreed with me that I should not be responsible. He said he needed to check with Legal and will call me on Monday. At XXXXXXXX XXXX I called him. He said that he has a card stating that a Person by the name of XXXX XXXX wrote on the card " left XXXX '' to have me come in and sign a card. In XXXX I was at the bank twice and signed a card. ( Honestly can't remember what the card was for. ) He said I am still responsible for the negative balance. He said that this person, XXXX XXXX, no longer works there, I asked repeatedly to speak to someone in management or someone above him. He just kept talking over me then just hung up on me. I never raised my voice but was stern in requesting to speak to someone above him. No reason to hang up on me. I have no idea why this is being ignored. I have documentation that I presented to the POA to close the account on XX/XX/XXXX. This is negligence as someone did not close the account and it was overdrawn. I was never notified at my home address my moms address is a ( Vacant Home ) No one at the bank is taking responsibility and they are saying that a XXXX written on a card by a former employee proves that I did not complete the process. This is wrong.. And hanging up on me with no other information is unacceptable. XXXX XXXX XXXX is who I spoke to today. Thank You
Product: Credit reporting or other personal consumer reports

I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. Also, I have a letter stating I don't have an account with XXXX XXXX and a letter from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - {$840.00}, XXXX XXXX XXXX XXXX XXXXXXXX - {$630.00}, XXXX XXXX - XXXX - {$310.00}. These inquiries : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted information and I want it all removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint due to the fact that these accounts are reporting inaccurate information. The account numbers do not belong to me. My accounts do not end in XXXX nor start with a -. Also if they were mine, a charge off is to show a XXXX balance. These are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX Please correct this information or remove these accounts from my report immediately! as per the FCRA, you have 30 Days to correct this. Just 30 Days and not 1 day more.
Product: Mortgage

I Sold a home via an assumption on XXXX XX/XX/2022 to an other Veteran all docs where signed with notary. I was payed on XXXX XXXX XXXX when wire cleared. 
The deed recorded on the XXXX of XX/XX/2022 with XXXX XXXX in Arizona. 
I had payed XXXX note. I stared receiving Emails and letters from Rocket mortgage. I spoke with them on the phone and via email regarding home insurance and XXXX monthly payment. On a home that was sold and keys where given to the new owner. 
on the XXXX XX/XX/2022 my Credit monitoring showed that my score dropped significantly and I had a missed payment. I have all closing docs and viewed deed via XXXX XXXX web site. I also spoke with title.