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

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is XXXX XXXX. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. XXXX YOU ARE FURNISHING INACCURATE INFORMATION TO THE CONSUMER REPORTING AGENCIES. The Reporting of this Account as a Debt is Inaccurate. The Legal Definition per the IRS OF a Charge off is Income. Income does not get Reported on a consumer report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The Reporting of this Account as a Debt is Inaccurate. 
XXXX XXXX THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT. XXXX CONTINUES TO VIOLATE MY RIGHTS BY REPORTING GROSS INCOME AND ORDINARY INCOME ON THE CONSUMER REPORTING AGENCIES BREAKING THE LAW. THIS ACCOUNT IS A " CHARGED OFF '' THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. THE REPORTING OF THIS ACCOUNT AS A DEBT IS INACCURATE. THE IRS STATES CLEARLY THAT ANY GROSS INCOME OR ORDINARY INCOME CAN NOT BE REPORTED INTO A REPORT BY ANY FURNISHER OR CREDIT REPORTING AGENCY.A CHARGE OFF IS GROSS INCOME PER THE IRS. DELETE THESE ACCOUNTS MENTIONED IN THE COMPLAINT ASAP AND I'M REQUESTING {$1000.00} PER EACH VIOLATION. XXXX XXXX XXXX Continues to Violate multiple laws from Congress 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). CHARGED OFF is considered a certificate of indebtedness per the IRS and income can not be reported making The Reporting of this Account as a Debt is Inaccurate. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORTS BY LAW AND By Definition PER the IRS Clearly says a Cancelled debt or Charge off is Income. ADDITIONALLY THE LAW CLEARLY STATES Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report DOES NOT include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX, ) making the report. ADDITIONALLY I never received a 1099-C FROM for the cancelled debt. XXXX is writing off debt with the IRS years Ago WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGAL. You are hereby put on notice that you are reporting incorrect inaccurate information. DELETE THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i have noticed a lot of inaccuracies on my credit report that are harmful to me. i would assist with removing these items, so that i can secure a home loan for me and my family. 

I request that you investigate these discrepancies promptly, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. Please conduct a reasonable investigation and provide me with the results within 30 days, as required by law. 

XXXX XXXX : Account Number XXXX
Product: Debt collection

Midland Credit Management have erroneously reported on my credit report. 


On XX/XX/XXXX, I reviewed my credit report and discovered that Midland Credit Management had reported an alleged debt. This was surprising to me as I had no prior knowledge of this debt. 

On XX/XX/XXXX, I sent a dispute letter to Midland Credit Management requesting validation and verification of the alleged debt. I have attached a copy of this letter for your reference. 

Midland Credit Management responded to my dispute, but failed to provide proper validation of the alleged debt. Instead, they included a court record document showing a default judgment. 

To my shock, I was never served or made aware of any lawsuit, court date, or judgment.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). 

The debt in question is as follows : 1. Account Name : XXXX XXXX XXXX Amount Alleged Owed : {$500.00} 2. Account Name : XXXX XXXX XXXX XXXX Amount Alleged Owed : {$560.00} Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action. 

Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report. The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately. 

Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ). 

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted. 

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. If you need further information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to both companies and the credit report agencies to have the correct information updated. On XX/XX/2024 I submitted a dispute with the credit report agency and reported back in less than thirty minutes stating the information was correct. I do not know what kind of investigation was conducted and who did they speak to at the business. On XX/XX/2024 I called XXXX and Navy Federal and asked them to look at my account, never late why would I start now? An investigation was not conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an identity theft issue and there is still an account on credit report. I previously filed an FTC and a XXXX Police report indicating the account does not belong to me. I am trying to purchase a home but unable to do so because of the fraudulent account that is showing on my report as two different items : XXXX XXXX
Product: Mortgage

I was approved for a loan modification trial on XX/XX/XXXX. My trial was supposed to go from XX/XX/XXXX to XX/XX/XXXX. I paid all trial payments on time and actually kept paying trial payments up to XX/XX/XXXX at which time my modification was cancelled by Wells Fargo. The reason Wells Fargo said they cancelled my modification was due to the fact that my second lien holder would not sign a subordination agreement. My attorney has since spoken with my second lien holder and they are now willing to re-consider signing the subordination agreement. In addition my bankruptcy attorney also states they might be able to get my bankruptcy judge to sign the subordination agreement as well. However, as is customary both are requesting my first lien holder to issue an updated proposed terms ( Approval ) of the XXXX lien modification before they sign the subordination agreement. Wells Fargo did this back on XX/XX/XXXX, however those proposed terms are no longer valid due to the time that has passed since then. In order to obtain updated proposed terms from Wells Fargo so I may present them to my second lien holder, my attorney sent a complete financial assistance package to Wells Fargo on XX/XX/XXXX ( as per WFHM instructions to do so ). Wells Fargo Home Mortgage now has a special department to block people from being able to re-apply for assistance. The department is called the " Re-Entry '' team and their sole purpose is to block ( Evade ) people from being reviewed again for assistance. To date that department is blocking me and refusing to allow my account to be reviewed for assistance. They simply state they will not review my request without the signed subordination agreement submitted to them first. They know this is impossible without them ( WFHM ) first opening a new review and if approved, issuing a new approval with new proposed terms so I can then take those updated terms to the second mortgage and ask them to sign it. This is simply an excuse by the re-entry team. Every time we call and speak with anyone, they play dumb and act like they do n't understand, or they understand and say they are not the ones who are handling the case. My attorney has faxed XXXX very long extensive letters ( Attached ) explaining the situation and also called repeatedly to the person at the Re-entry team who is assigned to my loan. Never have they responded. All we receive is the run around.I know I qualify because I was approved before. The only reason I was denied was because my second lien holder at that time would n't sign a subordination agreement. Now they will sign the subordination and Wells Fargo is refusing to do the process over again so I can save my home. It 's not more complicated than that. XXXX messages have been left in the last 30 days for XXXX XXXX XXXX - Executive Mortgage Specialist ( Wells Fargo Home Mortgage ) with ZERO returned calls. Clearly Wells Fargo is evading my most recent request and full financial package faxed to them and confirmed received on XX/XX/XXXX. They are evading reviewing me for assistance and playing games blocking me from being able to re-apply.
Product: Student loan

XX/XX/XXXX : Payment of {$18000.00} made to Wells Fargo for a private student loan The 'Details ' link shows : Private Student Loan Principal XXXX Interest XXXX Late Fee XXXX Total XXXX The Wells Fargo   online banking shows I owe {$130.00} as an Outstanding principal balance. 

Further, the online banking shows I owe {$280.00} on XX/XX/XXXX. 

The loan is paid off in light of the Principal, Interest, and Total which was paid in full on XX/XX/XXXX. 

I spoke to the Executive Office at Wells Fargo ( Case ID XXXX ) but they insist that more interest was being added.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. State I have the right o privacy.

15 U.S.C 1681 section 604 A section 2 : It also state a customer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

The total balance of the transaction was {$1900.00}, after disputing the transaction with my bank and communicating with XXXX. There is still a charge to my Wells Fargo Account for {$980.00}. My receipt on the XXXX Account Online has a balance of {$890.00} that has not been refunded. Normally, when XXXX has issued a refund for the entire purchase, it will read {$0.00} after the total has been refunded XXXX Please see example from a previous receipt attached ). However, XXXX has not issued the full refund, there is still {$890.00} on the receipt that has not been refunded online at XXXX 's Online Receipt, and {$980.00} posted my Well 's Fargo Account as withdrawn by XXXX. Please help, as have reached out to both XXXX and Well 's Fargo for a refund. Please see the attached XX/XX/XXXX order, as an example of how the receipt should look when XXXX has refunded the entire order, there should be a zero balance. As opposed to the attached XX/XX/XXXX order in question, which reads a balance of {$890.00} which has not been refunded. This should read, {$0.00} if all items were refunded. The initial receipt of {$1900.00} is also attached only {$1000.00} has been refunded to the account. There is still a total of {$890.00} as reflected in the Online XXXX Receipt, and the similar total which is still posted and has been withdrawn from my Wells Fargo Account. I have also attached my bank statement which reflects a charge to the account XXXX from XXXX for {$980.00} that is still posted as a charge to the account. This amount has yet to be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a letter to the court house record clerk on how do they verify records with the credit reporting agencies .and they send me a letter that says the courts do not verify information directly with the credit reporting agencies I sent a copy of this letter to all three credit agencies and XXXX XXXX deleted this off my report .but XXXX and Experian would not deleted the / USBankruptcy dismissed /XX/XX/2013 I have sent them four letter to delete this item
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, Experian Creditworks has been attempting charging my XXXX card {$100.00}. South Carolinians are entitled to free Experian monitoring due to the state security breach. 

Yet, Experian has repeatedly attempted to charge my XXXX card for services. I have been unsuccessful reaching Experian to stop charging my account. I am prevented from logging into Experian to delete my XXXX card ( see attached ). Also, reaching Experian by phone is impossible. The phone number on the website is automated and will not cancel the payment.
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus have a different name other than - XXXX XXXX- on my report. In XXXX, I was divorced and a victim of identity theft. Someone used a name with a middle initials. I contacted XXXX, Equifax, and XXXX. Upon showing them proof, their fraud departments have failed to remove the other name from my report. This has impacted me on purchasing a new car with high interest rates. Ive tried to have my report fixed but have been unsuccessful. On my report, there are still old accounts on there that are over XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the stuff on my credit is not me
Product: Mortgage

Due to a failed business with a fellow XXXX XXXXXXXX, I entered into a five-year XXXX XXXX bankruptcy in XXXX. I was ordered by the bankruptcy court to not make any payments to creditors, to include my three Bank of Americas mortgages. Bank of America also changed all of my account numbers and blocked me from online portal access. The bank told me this is standard operating procedure for mortgagors that go into bankruptcy. A few years into bankruptcy the bankruptcy judge orders me to refinance my home. Being in bankruptcy, no lender would touch me. After being told no by 68 different lenders, a shark lender offered me a high-interest, interest-only loan. 

This was my one shot to make Bank of America whole and part ways.

Given that I didnt have Bank of America online portal access to check my accounts, I had to rely on my real estate attorney who was managing the loan refinance process. 

This is where the bank error occurred that created this entire new mess. My attorney had requested a payoff from Bank of America. The bank responded that I only had two mortgages with the bank and proceeded to send her two payoff amounts. I immediately challenged the attorney ( see the attached documents ) but she said the bank stated there were only two mortgages and only sent two payoff amounts. This made sense since Bank of America only had two liens on the property. Everything seemed to match up.

Anyways, long story short, the attorneys and title professionals proceeded as-is with the two payoffs and I successfully refinanced the property. 

It wasnt until I exited bankruptcy in XXXX of this year ( XXXX ) that Bank of America started to report me being late on the third mortgage. Which, apparently, still existed. This is when I realized that the bank and my attorneys were in-fact wrong and that a third mortgage still existed. 

I've requested relief from Bank of America and was subsequently denied ( refer to the included documents ). 

Bank of America completely failed to send the HELOC payoff documentation to my real estate attorney. Thus, causing her to not include it in the mortgage closing documentation.
Product: Debt collection

I belive the date was XXXX/XXXX/17 between XXXX & XXXX PST, when a XXXX XXXX from XXXX XXXX XXXX called my job on our recorded line and after being advised that the call was recorded asked for me using my first & last name. I was on the phone with a customer at the time, but sit right next to my manager that took the call. I could here him as he repeated my first & last name and asked XXXX if her call was personal or business related. She must have said personal or something related because I heard him tell her the employees could n't take personal calls at work twice. However, instead of ending the call, Citi Costo Card, XXXX XXXX XXXX & their rep. XXXX XXXX proceeded to embarrass, humiliate me & caused me to get repremmended by insisting on leaving a non-prompted message for me. Next thing my manager is handing me a sticky note and telling me what sounds like a debt collector called & insisted on leaving a personal message for me after he advised we ca n't take personal calls. He said XXXX XXXX from XXXX XXXX XXXX said she was calling to give me some information. Then had a few words with me about personal calls. 
XXXX left the XXXX # for XXXX XXXX XXXX along with her extension XXXX. Which is misleading cause they call from a different # which is a TX state phn # XXXX XXXX XXXX XXXX. Now I 'm XXXX because this can come up during a group random call review in training. Anyway now my job has this on record/recording which is not only humiliating but can be damaging to my reputation and profession and could cause me to lose my job. Later i found that Citi Costco Credit Card div is having them call. How could they have them do this to me?
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inaccuracies that requires immediate review and correction as is my right under FCRA 15 USC 1681 ( i ). This letter is a formal dispute and request for a procedural investigation. the company this letter is addressing is Regional Finance with the account number XXXX thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. SEBRITE CORPORATION Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Checking or savings account

Citibank did not send interest associated with a matured CD. CD was matured on XX/XX/year>. We have contacted Citibank numerous times and was told varying answers by different customer service agents. XXXX of the supervisors at Citibank even promised to issue a check for the interest XXXX weeks ago. We have not received any thing. Its been very frustrating dealing with Citibank. People working there are incompetent. We had another issue with Citibank. They let a hacker changed our phone # and email address in XXXX this year. Since XXXX, weve had so many issues with Citibank. They kept on telling us to go to a local branch to open a new account. Unfortunately, there is no local Citibank branch within XXXX miles. Please dont do any business with Citibank and be careful with any online banking.
Product: Debt collection

ON XX/XX/XXXX EQUIFAX MAIED ME A COPY OF ITEMS ON MY CREDIT FILE THAT HAS BEEN THERE FOR OVER SEVEN ( 7 ) YEARS, ONE WAS XXXX XXXX. THIS COMPANY HAS BEEN OUT OF BUSINESS SINCE XX/XX/XXXX. THE ACCOUNT HAS BEEN CHARGE-OFF AND CLOSED. EQUIFAX CONTINUE TO SHOW THIS ACCOUNT EVEN THOUGH THE COMPANY HAS CLOSED THE ACCOUNT WITHOUT SELLING THE DEBT TO A COLLECTION COMPANY. THE CEO OF XXXX PASSED AWAY AND THE COMPANY IS IN THE PROBATE COURTS. NO COLLECTION AGENCY HAS BEEN ASSIGNED. WHO IS XXXX XXXX. I HAVE ASK FOR COPYS OF SIGNED PAPERS WITH MY SIGNATURE BUT XXXX XXXX HAS FAIL TO PRODUCE. XXXX PRIMARY PHYSCIAN HAS USDED SEVEN ( 7 ) COLLECTION AGENCIES TO COLLECT {$100.00} FOR THE LAST ELEVEN YEARS AND EQUIFAX HAS NOT PAID ATTENTION TO THAT. 
THIS COLLECTION AMOUNT HAS BEEN ON MY REPORT BY SINCE XXXX. THE STATURE OF LIMITATION HAS PASSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible