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

Wells Fargo Bank is not providing info to XXXX XXXX my bank info like they are requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD OBTAIN A COPY OF MY CREDIT REPORT SEVERAL TIMES WITHOUT MY PERMISSION, CALLED COMPANY AND SPOKE WITH REP SHE ADVISED ME THAT THIS WILL BE DELETED OFF MY CREDIT REPORT. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Product: Credit reporting or other personal consumer reports

The loan is not mine. It belongs to my exwife who is court ordered to pay it and its still on my Transunion report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$50.00} i ask to deleted this fraud account no method giving XXXX  XXXX  {$120.00} I ask for method of action for this account nothing giving XXXX XXXX XXXX {$560.00} I ask for method of method of this fraud account XXXX XXXX XXXX {$82.00} I ask for method of this account nothing giving XXXX XXXX XXXX XXXX {$1600.00} I ask for info never was giving fraud XXXX XXXX XXXX  XXXX {$5700.00} I ask about this fraud account nothing giving
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So much is going on and I have been trying to get my credit fixed for so long, it's so much that pops up that I try to get disputed from all three major credit Bureaus ( XXXX, XXXX and XXXX ) as well as other consumer agencies. I have never personally met anyone employed at the companies but yet they judge me and hurt me, my peace of mind and my well being because they deem me to be less than worthy. I'm tired of trying to properly read, understand, dispute everything contained within all of my reports, especially inaccurate, unauthorized information. My name has always been XXXX XXXX XXXX XXXX name is XXXX ) but every time I dispute something because the name is wrong, the amount is wrong, the account history is wrong or does not belong to me, debt has been sold, HIPAA has been violated... they feel that it's ok to defame and slander my name and reputation. Why is it ok for them to practice and perform unscrupulous values, biased beliefs and judgements against me?? I'm tired and I'm frustrated, my mental health is suffering severely in trying to rectify and correct all damage done by their false reporting and distribution of information without my consent, expressed or implied. I don't hate people but I hate that businesses can disrupt reputations and cause adverse effects but it's ok and they get away with it and I'm just supposed to calmly accept it because they want to give it to me. My character, my life, my history and circumstances feel as if this is a form of manipulative XXXX and harassment. Please stop falsely reporting things and accounts that don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, experian deleted XXXX , but then it was reinserted onto my credit profile, without me being notified within, 5 days in violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dealt with an incorrect debt collection added to all 3 reporting entities in XX/XX/XXXX. It was {$1500.00} added by XXXX and NOT MY DEBT. Removed from all 3 after disputing! 

Guessing XXXX sold to XXXX XXXX XXXX late last year and the same {$1500.00} showed up in XX/XX/XXXX. AGAIN. STILL NOT MY DEBT! Got it removed from XXXX XXXX XXXX but Experian will not remove the incorrect data. I have no idea why! Have never seen ANY documentation on this debt. Called XXXX twice & they hung up on me both times. 
Please help!
Product: Debt collection

They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. Gemini Capital Group, LLC and their attorney XXXX XXXX ( XXXX, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account Gemini had purchased that was originally a credit card from XXXX XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in XXXX County Court in Colorado, and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices, and if I did n't, they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact, they almost got away with obtaining a judgment against me, illegally so, except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA, and fully believe they can bully monies by their `` XXXX '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers, out-lawyering consumers, and willfully and wantonly ignoring federal and state debt collection practice acts and laws that are in place to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am 90 days past due on XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Mortgage

In XX/XX/2021, my new mortgage servicer, Flagstar Bank, sent a letter stating that my homeowner 's insurance was not up to date and that I needed to submit documentation of the insurance. This was after my mortgage was sold/transferred to Flagstar from a previous servicer. I submitted the requested information on XX/XX/2021 showing that my HO6 homeowner 's insurance was active and up to date. I received an email stating that my submission had been received, and no further communication from Flagstar. 

In early XXXX, I learned when checking my account online that on XX/XX/2021 Flagstar charged my escrow account {$2300.00} for " Wind Insurance '' from the provider " XXXX XXXX XXXX. '' I have never received any policy documentation or explanation of the charge. 

I called Flagstar Bank on XX/XX/2021 to ask what this charge was about. The representative stated that the files indicated that the " Master Policy '' from our Condo association appeared to have expired and that this " wind insurance '' charge was to account for it. I immediately sent Flagstar the Condo policy, which was not expired. That policy year runs until XX/XX/2021 ( it has since been renewed ). 

Despite the fact that the condo policy was not expired, and I acted speedily to comply with all the document requests from Flagstar, they have not rescinded the inappropriate {$2300.00} insurance charge from my escrow account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX
Product: Checking or savings account

In 2015, I added my sister to my checking account while she was visiting me so she could have access to it. After she left, I requested that Citibank remove her since she no longer needed to use the account. Last week, I received a letter from Citibank addressed to my sister, and I realized they had never removed her from my account. 

Today, I contacted Citibank via chat to request her removal once again, as I am the primary account holder. However, the representative was unwilling to assist me. They informed me that I would have to close my account, which I have maintained for over 10 years, and open a new one. I refused this option and requested an explanation, but that was denied as well. I then asked to speak with a manager, but that request was also denied.

It's frustrating that a bank would deny a straightforward request and refuse to provide an explanation or allow me to speak with a manager. If adding my sister to the account was a simple process, it should be just as easy to remove her. For this reason, I am seeking your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

received a letter from a company called LexisNexis Risk Solutions stating I have 4 negative reports on my file. I checked my credit history and there are no reports of any kind. They want me to go online and get the report but I will not pay for something I can get for free, nor will I call them due to the fact they most likely will continue to call and harrass, as other companies have done. This is an on going problem with me, I keep getting calls and letters and I do my research and find if the companies are legit. Any help will be appreciated in this matter.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account number : prestige financial service
Product: Checking or savings account

Wells Fargo advertises that they may make funds available for direct deposit payroll checks two days early for payroll checks, pensions, and government assistance checks. 
Since XX/XX/23, I have received my payroll check two days early into my account. I work for a government agency. Due to this, I was under the impression that would be the process going forward. I then scheduled bill payments based on this. This is a pay week for me and I believed the money would be in my account on XX/XX/23 as they have practiced this in the past. The actual pay date is XX/XX/23. On XX/XX/23, the money was not applied and I incurred overdraft fees based on the bill pay I had scheduled. On XX/XX/23, I contacted the Wells Fargo Customer service line and spoke with an agent. The agent stated that the two day early funds program is not guaranteed and is not always available. I understand that and the same verbiage is listed on their website, however this a is payroll check from a government agency in which the funds have already been sent. There is no difference in the account of where the payroll check is coming from nor is the amount different. I am paid the same amount every two weeks. It is not best practice to allow early deposits on some payroll deposits and not others on the same customer account. I asked for the overdraft fees to be reduced and the agent would only give a partial credit. When I ask for a supervisor, the agent stated that they could send it for another review while I was on the phone with them. Then the agent came back and credited the entire amount. Wells Fargo continues to enter into deceptive practices that marginalize those who make minimum wages and struggle to pay bills. I plan my bill paying around the days when I have seen the funds available. I will tell you I will never make that mistake again, nor will I rely on Wells Fargo to make my funds available early. At this point, they are making it look like they are helping their customers by offering early pay day but that is not what is truly happening. If I had not pushed to speak to a supervisor and accepted the partial credit, Wells Fargo would have profited off the mistakes I made due to believing that they are truly doing the right thing with their customers by offering early bill pay. Consumers should be educated on this practice and how it can be deceptive since Wells Fargo picks and chooses at their leisure to provide a consumer with the funds early or not. There needs to be a standard that is followed to see that once a consumer receives funds early, this would be the case with every payroll check going forward.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus about inaccuracies on my credit report, but my letters have been ignored. Instead, I've been receiving responses accusing me of using a third party. I have attached my ID and the relevant letters for your review. If the XXXX bureaus did not take any action about my complaint, I will file a lawsuit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was instructed to no longer include medical debt in collections under {$500.00} on credit reports by new Biden Administration regulations. I have a medical debt from the negligence of a doctor that is being investigated by the State of Pennsylvania and therefore I did not pay the uncovered debt. It was reported to the collection agency and it is under {$500.00}. I reported this to Equifax as a dispute and they sent a letter stating it is valid and left it on my credit report.
Product: Debt collection

The phone number calling is:XXXX. I received XXXX calls between XXXX XXXX and XXXX XXXX ; sometimes getting XXXX calls a day. Most of the time I would answer and they would hang up. Once in that time a recorded message said " Please be advised this is not a telemarketing call ; this is a business call for ... CLICK ''. 
On XX/XX/XXXX the same ph. # came up, I picked up and said " hello '' several times, nobody said anything but they did not hang up right away, so I said '' You interruppted a very important call, you 'd better say something this time or DO NOT CALL BACK, STOP CALLING THIS NUMBER! Then they hung up. 
Later that same day that number called again. I answered, again, they said nothing. I said, " I TOLD YOU NOT TO CALL BACK, I AM REPORTING YOU. STOP CALLING ME ''. I then submitted a claim to the Do Not Call site, as I have been on that registry for years. 
On XX/XX/XXXX they called not once, but twice. The first call that came in I was able to say '' YOU HAVE BEEN REPORTED, DO NOT PHONE THIS NUMBER AGAIN ''. 
On XX/XX/XXXX another call came in on the answering machine, so I again submitted a complaint. 
Today, XXXX XXXX, The message on the answering machine was different. Still a recorded message. The message said XXXX XXXX was a debt collector looking for? XXXX XXXX? If I continued to listen to the message then I was acknowledging that this person was at this number. 
I was not home when this call came in. This entire call was a recorded message. I do n't know who they were looking for. I could not understand the name, It sounded like XXXX XXXX, XXXX XXXX,???? I do n't know. But, I do know that this phone number has continued to call here after being reported XXXX, and told several times to stop calling. This is the first time they gave any names. Of which I do not know any of them. I do not know who this XXXX XXXX is. I do not have any debt anywhere. The end of the message said if I had any questions to call XXXX. 
I did not and do not plan on calling that number. I do n't need another number phoning me all the time looking for someone who does n't exist, at least, not at my home. and is n't a name I recognize. 
If you can do something about this, that would be great I am not happy with this caller phoning now a total of XXXX times between XXXX XXXX and XXXX. It is very annoying, and harassing, and I really would like it to stop if that is possible. Thank you for your time in reading this. 
***I WOULD LIKE TO SUGGEST THAT YOU NOT GIVE THEM ALL OF MY IDENTIFYING INFORMATION AS I DO NOT HAVE ANY DEBT OF ANY KIND WITH ANYONE. AND THE PERSON THEY WERE LOOKING FOR, WAS NOT ME, BUT SOME PERSON, BY A NAME THAT I DO NOT KNOW.
Product: Credit reporting or other personal consumer reports

Experian has failed too fulfill its legal obligation under the Fair credit reporting act FCRA too conduct reasonable reinvestigation of disputed Information on my credit report leaving inaccurate unverifiable accounts unresolved the consumer financial protection bureau cfbp has recently filed a lawsuit against Experian alleging systematic failure such as failing too forward consumer provided evidence too furnishers accepting unreliable responses and failing too adequately notify consumers of dispute outcomes these failures align with my experience where Experian has neither corrected or removed disputed items I provided causing on going harm too my credit standing I am requesting immediate corrective action too remove or amend disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

My father became ill about XXXX years ago, and I started paying his bills. I was his power of attorney. He has since passed away. It has been over a year since he has passed. I became the successor of the Mortgage loan. Before he passed away, I noticed that they continue to place forced place insurance on his mortgage when he always had insurance. After he passed away, they continue to do the same to me. They have overcharged us for close to {$5000.00}. The last time that it was overcharged it was {$1900.00} of forced place insurance. I sent proof that I have insurance, and my insurance has never lapsed. I even had my XXXX XXXX representative call them and asked them to stop charging me. I am trying to get them to stop overcharging me. I know that it is going to happen again. They understand that I am almost done paying the mortgage loan off. I fear that they are trying to make me go into foreclosure, they know that I am a single parent and I have been left with my fathers debt and I had to put the mortgage in forbearance for several months. Now they are refusing to reimburse me the money that I was overcharged and they continue to put the check in my fathers name. Please help me because the money that I had to pay for the overage is the money that I have put to the side to pay the mortgage and they refuse to repay my money back.
Product: Credit reporting or other personal consumer reports

Recently, I have submitted ( 6 ) reports on this inaccurate and incomplete item on my consumer report. 15 U.S.C. 6802 a financial institution may not, directly or through any affiliated, disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies. Not only has this disclosure agreement give my legal information but my personal information as well. By law you obligated to investigate these inaccuracies and incomplete accounts. 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer report containing any of the following items of information inaccurate or incomplete. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer if the person has reasonable cause to believe that the is incomplete or inaccurate. Please remove this item immediately! 


XXXX XXXX ( account number ) XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested EXPERIAN via Certified Mailing to REMOVE credit inquiries from my file as it is not beneficial NOR EQUITABLE in ANY way to be reporting on my PERSONs report. Although it is proof of a denial of my RIGHT TO CREDIT that I will definitely be utilizing in court setting, it serves NO BENEFICIAL NOR EQUITABLE USE tp be on the consumer report nor file.
Product: Vehicle loan or lease

Yes I am XXXX XXXX XXXX XXXX XXXX and I had just lost my husband 3 years ago I had just only {$200.00} down for the XXXX payment and I was leaving the country and I had no way to get around to to be able to go to the doctors and good car people had offered me a deal that I thought it was going to be okay I thought they were honest and right after I got about the car I had nothing but problems