23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I purchased this car in XXXX. The amount I owe isnt correct. This car was repossessed in XXXX due to me not being able to make payments. They keep re-aging the dates and the account is open. This has been on my account for 6 years. I have tried to get this disputed several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance {$170.00} XXXX  XXXX Balance {$2000.00} XXXX XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

I received an email from Bank Of America on XX/XX/2022 at XXXX pm regarding verifying my email address. Then on XX/XX/2022 at XXXX am, I received a second email from Bank of America regarding an Online application is in progress with a confirmation # : XXXX. A third email was sent at XXXX am on XX/XX/2022 stating : " Your new account is open '' ending in XXXX. Finally, a 4th email was sent from Bank of America at XXXX am, stating that " You're enrolled in Online and Mobile Banking ''. This account was open fraudently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting inconsistent information to he 3 credit Bureaus. They are reporting different account descriptions. XXXX  and XXXX  are showing closed and Equifax us showing derogatory. All 3 bureaus has to be consistent and they are obviously not. So what im asking for that this acoount by XXXX XXXX  be deleted from all credit bureaus!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, it was brought to my attention that Santander Bank was reporting me delinquent on two different occasions toward the end of XX/XX/XXXX. It was dropping my credit score by about 50 points. I was not delinquent and they acknowledged this in a letter to me dated XX/XX/XXXX. Problem solved after many hours of phone calls. 

They are now doing it again. This time I am not so forgiving. This is inexcusable. I called them and sent them an email. When I called, I was told that they made another error. I was not late. As a matter fact, I havent been late on anything in years. Again my credit score dropped 50 points. The problem is still not fixed. Had I not applied for a student loan refi, I would never have known about this problem. Again more hours on the phone. I am considering litigation at this point. I feel that they should compensate me for time lost taking care of these issues. I am a XXXX and have my own XXXX XXXX. I charge XXXX per hour and have spent at least 10 hours on this problem. I am sure that you get many of these but these large companies need to take customer service more seriously. 
Thank You for your time.
Product: Student loan

Im a co-signer on a loan with AES and tried to get co-signers relief and was told that 48 months of on time payments had to be made. WTH? 4 years of on time payments when most companies on require 12 months. The customer service reps are rude and they only look to ruining your credit. I cant afford to pay for someone loan due to having to pay for my own along with my other bills. This person now has a job and has been had a husband. Im divorced with XXXX kids I have to take care of of and its a hardship on my to continue to be a co-signer. My credit is being ruined that I worked so hard to maintain by someone else and its totally not fair. I personally think I have been added to some other loans this person has with them that I dont have any affiliation with. I want them to send me the contract that I signed to be a co-signer because personally, I dont recall signing one.
Product: Mortgage

This is our 5 th, Complaint about Wells Fargo Home Mortgage mismanaging our home loan. After receiving our XX/XX/2023 bill for {$1800.00}, we paid {$1900.00} dollars. then for our XXXX bill 2023, we noticed that our payment was Unapplied towards the loan. For almost a year we had the same problem with Wells Fargo Home Mortgage Un applying our funds towards our loan which resulted in Wells Fargo Home Mortgage filing an unlawful foreclosure on our home causing us to hire an attorney for Wells Fargo mismanaging our loan, ( which Wells Fargo had the foreclosure dropped ) but funds were unnecessary spent for Wells Fargo mismanagement, now in XXXX 2023, We are having the same problems with Wells Fargo.
Product: Credit card or prepaid card

I have two credit cards with Citibank. One has a credit balance ( money owed to me ) of {$660.00} ( card  ending in XXXX ). The other credit card has a balance due XXXX money I owe the bank ) of just under {$100.00} ( card ending in XXXX ). Three times I have called the bank and asked that they transfer the funds from the one credit card to pay the balance owed on the other credit card and mail me the difference. However every time I call the person taking my call acts like I am speaking a foreign language and I never get any meaningful assistance. I want the one credit card account paid using the credit balance in the other credit card account that is owed to me and the difference mailed to me. This is NOT  a request to close either of the accounts it is simply a request that money owed to me be refunded after the amount owed is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute about incorrect information on my credit report early XXXX, Equifax notified me on Mat XXXX, XXXX that the report was complete with a confirmation number of XXXX, For the first few days they stated trouble with website and kicked me out. but continued to send notifications, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Every time I go on their web and go through their steps I get to 'view document ' but it immediately kicks me out, today there is no longer a number in 'view documents ' box. I have been on the Equifax Chat line on the XXXX and talked to XXXX XXXX, XXXX XXXX XXXX was zero help, XXXX gave me a number ( XXXX ) I talked to a 'XXXX ' who was unable to clearly speak XXXX he moved me to 'XXXX ' who proceeded to ask me a 'few ' questions to verify my identity, After 30+ questions ( I stopped counting ) I asked him what was the reason he kept asking questions he stated that Equifax, not him XXXX needed the information and that his company was only contracted to talk with consumers. I was very frustrated and hung up. I then returned to the blog and talked to XXXX XXXX who told me I would have to send an email to XXXX and to include the confirmation number. I did this but with the exception of the canned email, which is useless, I have had no other response from a very uncaring company. 
The item, by the way remains on my credit report. 
Thanks for any help you can give.
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit report without my consent or knowledge
Product: Checking or savings account

PNC allowed XXXX seperate charges for {$360.00} to my checking account for tickets that I never purchased. They said they allowed them because the person committing the fraud had my addressl, name and phone number. They allowed the fraud to go through to seatgeek. They will not refund my money to my account. I would like to proceed with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not verify the mod of verification.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts listed on my credit report, which are inaccurately reported and do not belong to me. These accounts have a negative impact on my credit profile and may be associated with inaccurate addresses previously disputed. The following accounts are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made multiple attempts to have these accounts removed from my credit report without success. These accounts are not mine, and their presence on my credit report is erroneous and damaging. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws, I assert the following rights and requirements : FCRA Section 609 provides consumers the right to dispute inaccurate information on their credit reports.

FCRA Section 611 mandates that consumer reporting agencies investigate disputed items and correct or delete information found to be inaccurate or unverifiable.

FCRA Section 605B requires consumer reporting agencies to block the reporting of information that results from identity theft upon request.

Additionally, the Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 defines identity theft and imposes penalties for those convicted of the crime. 

ive also recently disputed accounts and associated inaccurate addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX MO XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is XXXX  % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : **Account Name : ** XXXX XXXX XXXXAccount Number : ** XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking XXXX XXXXXXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below.
Product: Credit reporting or other personal consumer reports

attached is my supporting documents. stop asking me for documents I don't have. my SSN XXXX XXXX XXXX XXXX confirms my name & address.
Product: Checking or savings account

Phones were removed from my account did your from cell phone was stolen wallet ID they use my cell phone to access my account and change my password do you access to my account and withdraw money the bank is refusing to help me theyre saying that it didnt happen but yet they still received and gave me a payment for some of the money but the large portion of it theyre denying me the funds of Ive tried everything to resolve this with his bank its the most crooked bank Ive ever tried to do business with they also offer a {$300.00} for opening your first account with them I open my first account with them set up direct deposit and the amount of what they said it needed to be and theyve got to release those funds to me as well this bank is very very toxic
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX
Product: Checking or savings account

On XXXX Th my phone got hacked and they took off my phone signal, changed my email password and after that drained all the money from my account. 
In the same day, I tried to contact Bank of America and I stayed on hold for 1-3 hours without solving my problem. However, on Monday, I went to the bank and I opened a new account and also made a claim related to the money transferred from my account ( as instructed ). 
Since then, I didnt have any response. So, today I went to the bank and they said my case was solved and my account didnt get hacked. I immediately collected all the proofs I could get and one of the agents helped me send it to the Bank of America costume care again. 


In short, I still waiting for my response. 
Im literally a XXXX XXXX from XXXX. All the money I had its gone and I need it as soon as possible, to pay rent and etc
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection XXXX c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is identity theft. This was submitted to EQUIFAX via EXPRESS MAIL Tracking # XXXX on XX/XX/XXXX with a signed return receipt tracking # XXXX. EQUIFAX has failed to comply. 

Pursuant to XXXX XXXX Code XXXX - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Congress defines a person under XXXX XXXX Code XXXX - Definitions ; rules of construction ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

These accounts have damaged my reputation. 

As a consumer I DEMAND a PERMANENT DELETION of these accounts. 

XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX : # XXXX DATE : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : # XXXX DATE : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : # XXXX DATE : XX/XX/XXXX As a consumer I DEMAND the PERMANENT DELETION of the following addresses : XXXX XXXX XXXX XXXX XXXX , MO XXXX XXXX XXXX of XXXX, XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Vehicle loan or lease

This company set me up with an exorbitant interest rate auto loan a few years ago. I have made payments to the best of my ability through times of job loss, income loss, and pandemic related upheaval over the years. Anyway I have fallen behind recently and have done my best to not be more than 60 days late at the very least. I have made payments biweekly for some time now and keep getting exorbitant late fees piled on with seemingly no amounts being applied to principal. I have recently gotten a repo notice even though I have not not hit 90 days late ( and don't intend too ). I constantly get phone calls and as a medical provider have no time to talk to their agents. I have used their emails and messaging system on their website to no avail. They send no info or advice through these systems only try harrasing phone calls multiple times a day. Exeter needs to dispense with the constant late fees, phone calls, and whatnot and show results toward principle of their auto loans and do better to help people who are upside down on their loans instead of making the situation worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus and have forwarded them a letter from the bankruptcy district court clerks off and record division that states that they do not report to the credit bureaus. If the courthouse says itself that they do not report to the credit bureaus then there in no way to be 100 % accurate of any reporting of any bankruptcy of public record. The following bankruptcy is not mine and in addition it is unverifiable. 

Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX And Please Remove this late Payment From Your Records : Account Name : XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/XXXX XXXX See Attached Letter From Bankruptcy Court*
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax hack. My identity info was stolen and they knew about it. Plaintext files are you kidding
Product: Debt collection

Waypoint Resource Group sent a notice to collect a debt dated on XX/XX/21. I responded with a a USPS certified letter sent on XX/XX/21. I have proof that the certified letter was delivered on XX/XX/21. In my response I included a request for proof of debt. I also provided bank statements proving that the debt they claimed was paid to the original creditor over 2 years ago. Waypoint failed to respond with proof of debt within 30 days, or all all. They did respond by submitting a knowingly false debt to the credit reporting bureaus on XX/XX/21. I received the alert and began the dispute process the same day. During this period Waypoint spoofed local phone numbers in an attempt to contact me at work. When the calls were answered Waypoint refused to identify themselves or the reason for the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not investigated nor notified me of disputed medical collections on my Experian report. 
I have tried multiple times to provide proof that these are legitmate bills owed, they fate back to 2013. 

Experian has failed on multiple occasions to provide any information on XXXX XXXX $ from 2013 XXXX XXXX {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID 19, my XXXX  and income took a drastic casualty. We were unable to pay on personal loans for the past three months. Because of this, we made the efforts to contact each of our lenders to arrange payments. Each of the lenders enrolled us into their programs to delay payments and reporting. 

However, two credit card companies have still reported missing payments. I followed up with each of the lenders, but they simply reply saying " Any credit issues should be dealt with by the credit bureaus. '' Both companies have acknowledged that their records show I am enrolled in the programs. 

The credit card companies are XXXX XXXX and Citibank. 

It is my honest assumptions that this is a system glitch. However, there could very well be something on my part that I did not do, primarily due to ignorance. This has never happened to me before! 

As my records will show, prior to COVID 19 I only had one missed payment in the last 9 years, which was my first credit card ever. 

It is my great hope and desire that my credit history and your grace will stand in the gap for me in this instance, because I am not sure what else to do. The past 4 years of my life I have maintained above a 680 credit score. In the last thee months it has dropped to almost a 500. 

In my best efforts to fix this matter, I have also taken the measure of seeking help to restore my credit. And growing in my education as much as possible.