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

I feel disrespected because for the past two months, I had nothing but so much effort in asking your company to remove these accounts immediately off my report and yet here we are- they are still reporting from my file and it's so frustrating to constantly ask for something that should've been attended to months ago. It is really affecting me and my credit scores and it is starting to negatively affect my life as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid -Purchase Contract I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide proof to me, of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX lists a credit card account with multiple accounts with the actual opening of card on XX/XX/XXXX ( # XXXX ) credit limit XXXX with high balance of XXXX, updated on XX/XX/XXXX (  showing date closed XX/XX/XXXX ). Credit limit increase to XXXX ( # XXXX ) on XX/XX/XXXX with a carry over balance of XXXX. ( date closed XX/XX/XXXX ) Acct : XXXX shows a high balance XXXX on XX/XX/XXXX without credit limit info. XX/XX/XXXX ( # XXXX ) shows a credit line decrease of XXXX with high balance of XXXX four years later! There are no late payments or fees involved and clearly this is erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to you CFPB response " We were not able to verify that you were advised that Wells Fargo Dealer Services ( WFDS ) would be waiving the final payment on your loan, nor was there a reason for the payment to be waived '' I was not advised that Wells Fargo would be waiving the final payment, but that option was presented to me by whomever I was speaking with in the Presidents office at that time. What I did not know at that time was that I should have been provided a CASE NUMBER ( none was offered ). 

In the interim, I waited for a response from Wells Fargo for the request to waive the last payment offered to me by the Presidents office employee. 

No response arrived and my wife made me aware that the account was delinquent. 
The final amount was not an issue and I would have paid it IMMEDIATELY had the offer to waive that same payment had not been made to me. It makes NO SENSE to me at all to ruin my credit by shirking my responsibility of paying the last payment after paying EVERY OTHER PAYMENT. 

Due to the incompetence of the Wells Fargo PRESITENTS OFFICE staff, this situation has been created this absurd round of communication by myself and my wife and is usurping a great deal of my time to try to get Wells Fargo to take responsibility for the situation that they created. 

I dont need Wells Fargo to admit that they made an error ; I dont need Wells Fargo to admit that they have incomplete notes and are not able to verify that their employee made an offer to waive the last payment, I do need Wells Fargo take responsibility for creating this situation and correct the credit reports delinquency entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report accounts XXXXXXXX XXXX and USAA savings bank as open when it was closed XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Shows incorrect balance and the account shows incorrect late payments. Acct. Was granted for Financial Forbearance was granted 3-Times. By XXXX XXXX XXXX. Financial Forbearance was granted for 3-Months XXXX XXXX XXXX, It's Written in the Lease, No Late Payments and No Missed Payments will Not be Reported to the. credit bureaus, XXXX XXXX XXXX, Reported to all three credit bureaus as 7-9, Late Payments. 
According to the Lease Agreement. When A Financial Forbearance is Granted, All Payments will be Added to Loan and must be paid at the back End of the Loan. 
XXXX XXXX XXXX Also recently added {$750.00} In Collections Added to the Account. 
This is Incorrect info to the car loan. 
{$750.00} is from a old collections XXXX. 
Vance and Huffman , LLC. 
On XXXX, XXXXXX/XX/XXXX Acc. Bal = {$12000.00} Loan Amy. = {$12000.00} Collection Acc.Added = {$13000.00} Incorrect Collection Account was added in the amount of {$750.00} This should be Removed. 
This Information was reported by ;XX/XX/XXXX Request Corrections to be made with XX/XX/XXXX
Product: Credit card or prepaid card

Card was opened in my name prior to my XXXX birthday. I have continuously disputed that I opened the card and have made several attempts to provide information proving this. The collection agency keeps contacting me during my work hours. However they have not provided proof as I have. I did not authorize the opening of this credit line.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my Verisk Insurance Solutions report, under the Fair Credit Reporting Act. I amrequesting a copy of my Verisk Insurance Solutions report sent to me via mail.
Product: Checking or savings account

I received an email today XXXX, XXXX from chime letting me know that my debit card should have arrived and to activate it. 

I called in to Chime immediately at XXXX and got XXXX who I explained the situation to. He stated he closed out the account and that I would not be liable. I asked how was the checking account even opened and debit card mailed out when all three of my credit reports are frozen as it typically requires a credit check to finalize the opening of a checking account. He was unable to answer this question. I requested to speak to a supervisor and he stated that there was no supervisor available to speak to me in regards to fraud/identity theft and would not provide his immediate supervisors name. I then ask him to transfer me to the Fraud Dept and he transfer me to another costumer service rep XXXX. 

I then explain the situation to XXXX and request to speak to a supervisor and he transfers me to XXXX. 

I then explain the situation to XXXX and she was unable to provide me any information because I could not confirm the physical address used to open the account. The physical address used to open the account was not actually my address which is why I have not received any paper mail in regards to this account. 

Chime appears to not take Fraud/Identity Theft Seriously and skips basic measures to ensure they are not enabling fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. XXXX is reporting inaccurate information on my credit. It is a fraud account. I have sent over my identity theft report and a copy of my police report over to them and each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received yet another ping notifying me of my credit score decrease. I open to look into the situation and see that tbis company has reported me 4 times once on a weekly basis to the credit bureau for the same account. I called to discuss the situation at hand and asked specifically if i could speak to a supervisor or manager. XXXX introduced herself as one. After explaining the situation at hand to her in refernwcing to her recurring reports for the same account on a weekly basis. Her response was, " Yes, we are allowed to do that. '' I asked her if she was sure because I tought that it was suppose to be 30 60 90 days and she told me not so. They are allowed to report this on my credit weekly. I responded fine and began to do a little research and have not come across any changes specifying this action. So I called back and spoke with a gentleman this timw. Gave him all the requested information needed to bring up the account in which we did and was able to look into the situation. And he was more focused on retriwving my social security number and update my information rather then address the fact that they are continually report the same account on my credit which has affected my score. So I told him to have a nice day and I will be reaching out to you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( Georgia Student Finance ) Account # XXXX, has violated my rights on XX/XX/2023. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Please remove the negative payment history and update the account to positive and paid as agreed.
Product: Credit card or prepaid card

On XX/XX/XXXX a charge was made to my card of {$98.00} from XXXX XXXX XXXX XXXX, I contacted my card company and mentioned the situation, they took months to decide that they could not do anything, and they did not provide me with any evidence of that purchase. 
I did not make that purchase paypal credit card is a company that treats its customers with discrimination and racism
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXXXXXX Balanced {$150.00} XXXXXXXX XXXX XXXXXXXX Balanced {$12000.00}
Product: Debt collection

This is my sons debt for the amount of XXXXdollars that opened XX/XX/2019 for season tickets to XXXX XXXX  XXXX XXXX me and and my son both reached out to Midwest recovery systems to explain this is my sons debt but I have had no cooperation from them I have filed disputes with XXXX  and XXXX  I had very good credit rating and exceptional payment history this my sons debt we share the the same same I am a XXXX and he is the XXXX  and some how they used my name I have not received any billing statements or emails regarding this it was opened with my sons email account and phone number and credit card!
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. The completed FTC Identity Theft Report. Copies of my identification documents. Any additional information requested by your office. Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 
It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to report CREDENCE RESOURCE XXXX with there bad business practices and violating my rights as a consumer and violate the Fair Credit Reporting Act. 

CREDENCE RESOURCE XXXX with account # XXXX, and a balance of XXXX I stated that I never receive a loan or receive service or products from CREDENCE RESOURCE XXXX, I have have no transaction experience with this company. 
As a consumer I have the right to request a copy of a contract that i personal signed with CREDENCE RESOURCE XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX Account # XXXX ORIGINAL CREDITOR : XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear XXXX XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

For the past few months I have been making large lump sum payments to pay off the loan early. Every time I call and begin to ask about my daily accrued interest the representative hangs up on me and I have to call back. Ive asked my last few payments to go towards the principal interest of the vehicle and they advise me that the company will first apply the payment towards interest that is owed and then the remaining balance will go towards the principal. The following day when I check the Westlake Financial App it shows that my payment had not gone towards the principal balance. Instead it has gone towards unknown fees. I would have to call back again and ask that the payment applied been reversed so that it would go towards interest and principal fees instead. Most representatives would hang up on me when making this request so I would have to invest hours of my day in resolving this issue. 
Once the payment reverses I had called to ask about the remaining balance and costs and every representative says they can not give me a direct answer. When I received a payoff letter it shows that Ive had a balloon payment towards interest. The system that Westlake Financial uses excluded some interest fees along the way and now that I am looking to pay off the remaining balance they have a large balance of interest that theyre forcing me to pay but no where in the contract does it stipulate that I would be responsible for paying a balloon balance towards interest that theyre system didnt calculate and apply towards my payments. 
I have been getting the run around from this company for months now and they have been unprofessional, unreasonable and dishonest. Ive asked to speak to accounting departments and higher people in charge and the customer service department does not provide me with further contact information to do so. I have the names, dates and notes of every person I have spoken to since XX/XX/2023 and will hold every person accountable for what they told me regarding my loan. My last payment of {$1500.00} was supposed to pay off the remaining principal of the vehicle but instead it went towards unreasonable fees and interest that the company saved for the end of the loan. Its never ending. According to the Westlake Financial App after my {$1500.00} payment I still have a balance of {$1500.00}. The payoff quote never seems to be available or accessible online either. At this point I would like the title to my vehicle and if the company does not provide that to me I will need to take further action.
Product: Student loan

MOHELA hasn't processed my IDR plan since XX/XX/year>. I keep getting outrageous payment due amounts which exceed half of my take home pay. I have received administrative forbearance a few times while they " process my paperwork '' but when are they ever going to do it? I submitted my IDR information starting in XX/XX/year> and didn't get any updated payment, and then submitted again two or three times. The last one on record is early XXXX. What is going on? I thought MOHELA had received instructions to correct the delays.
Product: Mortgage

My loan was sold to a new bank. I've always paid my own taxes, homeowners insurance and flood insurance. Tha transfer took place two months ago from XXXX XXXX to p n c. I called both my flood and homeowner companies notifying them of the new lender. The new lender sent me a statement indicating my flood insurance is now escrowed and quoted me a federal law indicating they have that right. I have paid my own flood, homeowners and taxes for years. This doesn't seem right. I never agreed to it and my previous lender was okay with me paying everything without an escrow. I was not in control on the loan being sold. What can I do.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2800.00}.