23daVinci/CFPB_Complaints huggingface dataset:
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 : {$0.00} XXXX XXXX XXXXXXXX Balance : {$120.00}
Product: Checking or savings account

On XX/XX/2021, I deposited a check for thousands of dollars at Wells Fargo Bank. This check is for medical expenses paid to me by the insurance company. However, Wells Fargo listed the check I deposited as " Unusual Deposit Account Activity '', and the check was " On Hold '' until the XXXX. During the virus pandemic and Texas snowstorm, Wells Fargos malicious freezing of normal checks deposited by customers is unacceptable to anyone.
Product: Credit reporting or other personal consumer reports

Received the following error message when trying to refresh my score in Experian app. Sorry, we can't show you today 's 3-bureau report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ). -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TO YOUR COPMPANY. YOU HAVE SEVERL ACCOUNTS REPORTIGN LATE PAYMENTS IN THE PAYMENT HISTORY. I WAS NEVER LATE ON ANY OF THESE ACCOUNTS PLEASE UPDATE EACH LATE PAYMENT TO " PAID ON TIME, NEVER LATE '' FOR EACH OF THESE ACCOUNTS. ( XXXX XXXXXXXX XXXX XXXX ) ( XXXX ) ( XXXX XXXX )
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : LOWES # XXXX
Product: Debt collection

I received a call on my cell phone voicemail that stated that person name is XXXX which is the manager she stated that they had gone to court and that if I want to resolve this I could come into the office so they could collect the collateral or if not they would be at my house today with a locksmith in the constable which I felt was uncalled for I know that they can not do this and I feel like they are harassing me in this matter
Product: Debt collection

I contacted them about a Fair Credit Report Act matter. Instead of addressing the concerns, I received a letter stating that my account is no longer being services. I attach a letter with more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally complain DEPT OF EDUCATION/ NELNET about inaccurate data reported on my credit file. This information does not meet compliance standards, has not been validated, and lacks documentation to verify its truthfulness. My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, LA XXXX and my birthdate is XX/XX/year>. I have identified potentially questionable entries on my credit report. As a consumer, I am entitled to request and/or require the prompt correction of these items based on my federal and state consumer and civil rights. This complaint serves as a means to verify that the items you are reporting comply with FACTA Title 1, Section 151, which clearly mandates a description of the verification process used.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Bankruptcy Reporting and Notice of Aggravated Identity Theft Dear Experian Dispute Department, I am writing to formally dispute an inaccurate bankruptcy record currently being reported on my credit report under my name, XXXX XXXX, and dated XX/XX/year>. 
Pursuant to 15 U.S. Code 1681b, the consumer reporting agency is permitted to furnish a consumer report only for permissible purposes. As outlined under subsection ( a ) ( 3 ) ( A ), my report may only be used in connection with a valid credit transaction involving me as a consumer or in response to my explicit written authorization. I have never provided consent or engaged in any credit transaction that would validate the inclusion of this bankruptcy on my report.

Moreover, this bankruptcy entry has been reported without my permission, which constitutes aggravated identity theft under federal law. Reporting inaccurate and unauthorized information on my credit report is a violation of Section 605B of the Fair Credit Reporting Act ( FCRA ). Therefore, I request that this bankruptcy entry be removed from my credit report immediately, as it does not pertain to me and was reported without permissible purpose or my authorization.

I demand that this item be removed within 4 days of receiving this dispute, as required by the FCRA when dealing with cases involving identity theft.

In support of my dispute, I have attached the following documents : A copy of my credit report highlighting the incorrect bankruptcy entry.

A copy of my identity theft report ( submitted previously ).

A copy of my government-issued ID and proof of address.

A copy of the " verified '' results from disputing. In the notes the Experian representative notated the item was not reporting on my credit report but it is which also makes this aggravated identity theft.

Please confirm in writing that this action has been completed. I look forward to your prompt response and resolution of this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/XXXX the company underestimated my escrow amount, leaving a shortage of over {$6000.00} that I needed to pay in full, or divide over a 12 month period. I thought a mistake occurred, as they informed me that my next months mortgage payment would go from {$1100.00} to a little over {$2000.00}. This left me with less than 30 days to figure out how I would pay the difference. I called in XX/XX/XXXX to make a payment of {$1100.00} and see if the escrow could be divided into 48 months, until I could figure out if this was actually something I needed to pay. They never adjusted the escrow in XXXX. I called back in XX/XX/XXXX and was able to speak with someone who submitted the request. However, it was only divided in 24 months, which left the mortgage high, with no explanation as to why it could not be divided into 48mths. I requested the escrow to be divided in 48 mths again, but in XXXX they only divided into 36 months with no explanation. XXXX 's mortgage payment is still over {$2000.00}, as they did not include this amount into the 36 months to divide. This has stretched me thin to make XXXX payment of $ XXXX, XXXX $ XXXX and Marchs $ XXXX, as my mortgage increased too much in a very short timeframe. I have recently submitted a hardship until I can figure out my next steps and have this reviewed by a professional, as I have never heard of a mortgage increasing over {$900.00}. When I call the company they never give me a straight answer and have failed several times to submit my request, which has delayed me and pushed me closure to my deadline of XX/XX/XXXX, in which I have to bring my account current. The company will not accept any payment less than what I owe, therefore I have they to make a payment until my hardship is approved, or they will simply send my payment back to me
Product: Credit card

I entered into a settlement agreement with Citi on XX/XX/year>. The terms of the agreement is that my balance must be paid in full within 90 days of making the first payment which I made on XX/XX/year>. The full settlement amount must be paid by XX/XX/year>. During the 90 days, my account will be brought current and all interest and fees will stop. However, Citi is reporting to the credit reporting agencies that my account is still delinquent and I did not make a payment in XXXX. Initially, Citi did not report the XX/XX/XXXX payment I made. I have disputed the information Citi is reporting twice now. The first time I disputed it, Citi corrected the last payment date to XX/XX/XXXX. However, Citi did not update that my account is no longer past due. Citi is still reporting my account as 90 days past due with XXXX, XXXX, and XXXX showing as missed payments, even though I made a payment on XX/XX/XXXX and my next two payments are scheduled for XX/XX/XXXX and XX/XX/XXXX, which takes care of the full settlement amount and Citi scheduled and approved the payment dates and amounts. These payments meet the terms of the settlement agreement. Citi is reporting information to the credit reporting agencies that violates the terms of the settlement agreement which is outlined in two letters Citi sent me. After disputing this information twice, Citi still has not updated the status of my account to reflect the terms of the agreement. My account status should be current and should not show 90 days past due with payments missed in XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I sent {$140.00} ( XXXX shillings XXXX ) to my brother ( the recipient ) from U.S to XXXX via MoneyGrams mobile wallet money transfer service. The reference number for this transaction is XXXX and the transfer fee was {$0.00}. The only reason I used this service is because due to the COVID-19 pandemic, MoneyGram constantly represented in its website that this was the fastest way to send money at a reduced fee as the funds would be available to the recipient within minutes, and prior to this, I had successfully used the mobile wallet service for other transactions. Unfortunately, the recipient has not received the money to date ( as of XX/XX/2020 ). As the recipient is currently unemployed and has XXXX children, he requires this money for his rent and daily expenses. The recipient followed up with the financial company in XXXX XXXX XXXX which I believe has a service level agreement with MoneyGram for the mobile wallet service referred to as XXXX. XXXX XXXX completes their investigations this week and according to them, they did not receive any money from a MoneyGram. Ive followed up with MoneyGram more than three times and Im disappointed with how they are handling this issue despite my request for them to expedite the matter. Each time I call, I speak to a different customer care representative who says that their investigation takes up to 90 days. 90 days seems fast to them but to the recipient, thats 3 months of economic hardship. Initially, MoneyGram gave me a case number for my complaint - # XXXX. I called later to follow up and they hadnt even began their investigation. On my request, the customer care representative escalated my complaint and gave me a new case number # XXXX and informed me to call back in 2-4 business days, which I did. Since then ( XX/XX/XXXX ), Ive been calling every 2-4 business days and requesting them to expedite their investigation and/or refund me, but all they say is that investigation may take up to 90 days per protocol. I feel that MoneyGram misrepresented how fast the mobile wallet service is. As the receipt provided by MoneyGram on XX/XX/2020 indicates that the transaction was completed, I would like them to provide the evidence of any alleged delivery to the recipient. 

Please assist with this follow up and if possible, obtaining a refund from MoneyGram. 

Thank you.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$59000.00}, XXXX XXXX XXXX XXXX {$16000.00}, XXXX  Balance {$34000.00}, XXXXXXXX XXXX Balance {$310000.00}, XXXX XXXX XXXX XXXX XXXX {$5900.00}, XXXXXXXX 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED DURING A DATA BREACH THE FOLLOWING ACCOUNTS ARE FRADULENT. THE FOLLOWING ACCOUNTS ARE INACCURATE INFORMATION ON MY CREDIT REPORT UNDER MY RIGHTS PROVIDED BY THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND FOUND THAT CERTAIN ACCOUNT ( S ) LISTED ARE NOT MINE AND SHOULD BE REMOVED IMMEDIATELY. I WANT THESE ACCOUNTS LISTED THAT AREN'T MINE REMOVED IMMEDIATELY. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Old addresses that continue to reappear no longer reside at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, as well as XXXX XXXX XXXX, XXXX XXXX, and haven't resided for the past 12 and 13 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple certified letters with documentation showing that a public record on my credit report should not be on my credit reports. Additionally, I sent letters to the 3rd party company that the credit bureaus state they verified the information with, and the 3rd party company - XXXX- sent me a letter stating that the bankruptcy information listed on my credit reports is unverifiable and has been deleted. The 3 major credit bureaus refuse to delete this bogus information from my credit reports even after sending them the proof stating it should not be there.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.
Product: Credit reporting or other personal consumer reports

The information from XXXX XXXX XXXX XXXX is incorrect. It needs to be updated to paid in full attached is documentation that this account has been paid in full years ago. I would like all derogatory information removed from my credit report, XXXX, equafax and XXXX immediately.
Product: Credit card or prepaid card

I paid and closed my Elan Visa credit card on XX/XX/XXXX. It is a secured card and the company has not reported it closed to XXXX or XXXX, nor have they returned my {$300.00}. I called and they said even though I had paid, I would have to send a letter stating to close the account. I did that in XX/XX/XXXX and they have not returned my money nor has the credit report been updated. I have a perfect credit history with them and there is no reason not to return my security deposit.
Product: Debt collection

XXXX dollars from lsu billing XXXX 2016 don, t remember date
Product: Debt collection

I am being charged {$290.00} from Fairway Capital Recovery on XX/XX/XXXX for XXXX XXXX XXXX Headquarters. I have not been a part of this organization since the end of XXXX. I have NEVER received an email, call, or notice of debt collection or fines when i was in this organization and when i had left this organization. There is no proof that I owe this.
Product: Debt collection

I have been disputing this account with XXXX XXXX from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!
Product: Credit reporting or other personal consumer reports

I have demanded that Equifax remove these accounts from my credit report. That I did not give permission to be there.
Product: Checking or savings account

I want to file a complaint with eh CFPB regarding Capitol One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capitol One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situations raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. I am currently struggling to make payments on upcoming bills and buy groceries for my family and Capitol One has not shown and customer service assistance with this issue. Thank you.
Product: Credit reporting or other personal consumer reports

Once again after one thing is fixed more outrageous things pop up only on equifax report. 

Now I have 26 hard inquiries that are showing up when my credit is pulled. But on equifax report you dont see this. Exactly how my previous complaint was when my credit would be pulled something vastly different would show up but my report when I go in would show different. I understand you say its a 3rd party but regardless of that the information they pull from comes directly from equifax but then again the sane thing has happened multiple times with lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since early this year, 2019 and I have been contacting Equifax every now and then trying to get them to remove the freeze and or the fraud alert on my credit report. I'm currently in escrow and I'm unable to close escrow due to the freeze that the lender can not pull Equifax credit report. I called Equifax multiple times and they say no freeze or fraud alert but they are locking my credit and no lender is able to obtain a copy of my report. I faxed my DL and SSN with a letter to remove the freeze or the lock they have multiple times but still not moving and I'm unable to fix this problem with them. lenders can not pull Equifax 's report, they are locking my report and I'm facing a major financial loss due to the Equifax 's system.
Product: Debt collection

I just sent a complaint 6 days ago due to this collection company harassing me and violating my credit report on a monthly basis with inaccurate information and duplicates. They stated they would close it but instead added a new one onto my report, also, it shows 2 collections for the same exact thing. It's fraudulent. I do not owe any debt to this company. They have violated FCRA and SCRA and FDCPA on multiple instances.
Product: Mortgage

I can not uploaded the items needed to correspond with my complaint XXXX. 
Wells Fargo has not provided email or fax number to send attachments either. 
As stated in XXXX XXXX correspondence, XXXX fees are my responsibility. Which you are correct, however I had a XXXX balance and a XXXX illegal lien on the property in XXXX right after my bankruptcy XXXX another XXXX lien placed with no money due except excessive legal fees, in XXXX and XXXX the management company placed XXXX other liens XXXX for XXXX and XXXX for XXXX and I knew nothing about these, they also had a judgement that I was paying. All of these liens were on title, if the title company did there job properly I would have found out about them and not incurred XXXX in legal fees and XXXX in maint fees since XXXX XXXX could have been sued for falsifying data and not providing to me. Attached is the PROPER FULL TITLE and suit. 
this is not a matter of the township or XXXX not providing or updating its a matter of the title company not providing this information to myself or Wells Fargo since im now paying this at XXXX per month and cant make my mortgage payments. 
My account was not handled properly as you can see from the proof I am providing you. 
And to top this off I went to make a mortgage payment and I am locked out of my account so your forcing me to go past the 90 days down if I can not make a payment by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion an AFFIDAIVT THAT ALL BILLS ARE PAID on XX/XX/. I advised them that they where in violation of my privacy rights because I did not nor have I ever given consent for any of my information to be disclosed to any entities. Therefore they must cease and desist with any further privacy violations. And if they continue to violate my privacy rights that I will be forced to take legal action against them. I also stated to them that all accounts must be changed to in good standing.
Product: Credit card or prepaid card

This is a SunTrust Cash Rewards XXXX with a {$21000.00} limit. It has not been overlimit. Since XX/XX/XXXX, during a single billing cycle and statement period, I made {$9600.00} in payments and {$58.00} in purchases, and while the balance reflects all the payments, the {$9600.00} paid only shows as {$6500.00} available credit. There are no pending charges and no automatic payments on this account. Where are the {$3000.00} missing from the account? SunTrust ca n't explain it and it does n't publish charges. There should n't be interest Charged against these payments since it 's inside one statement period.
My most recent cash payment of {$2000.00} on XX/XX/XXXXyielded just a {$990.00} increase in available credit. The bank does n't disclose what it 's doing with 34-50+ % of our payments, it just shows an {$11000.00} balance on an account with a {$21000.00} limit that has only {$6400.00} available credit. Where did our {$3000.00} go? SunTrust wo n't tell. I 'd expect this kind of deception from someplace like XXXX, and am sorry to see that SunTrust treats customer 's the same way.